Thought Leadership Resource Center
September lived up to its historical reputation for being a volatile and stressful month for equity performance. The S&P 500 finished the month down 4.8% marking its worst month since November 2020 and the index closed over 5% below its record high for the first time this year.
Read MoreThis piece will focus on consolidated reporting and technology for managing family wealth. Across every level of wealth, it is important to have continuous insight on the immediate financial picture of the family. As the scale and complexity of wealth increases, so does the need for the ability to observe the totality of the balance sheet. Similar to an air traffic controller, it is imperative that a family office team have the ability to monitor each element of the assets and liabilities of the families they serve.
Read MoreMany of our clients receive Self Employment income each year, which is to say income earned from a business as a sole proprietor, independent contractor, or through some form of partnership or Limited Liability Company (LLC). For some, this income is generated from a business with no other employees, or through a side business.
Read MoreThis article is the first in an ongoing series dedicated to long-term care planning and the three main reasons for the increased interest and why you may want to consider this as part of your planning.
Read MoreOver the years, Clearwater Capital Partners has maintained the discipline of establishing specific targets for a variety of economic indicators and capital markets. These forecasts are intended to bring practical application and transparency to our economic thesis. Our predictions revolve around highly recognized measurements and indexes; and this tradition provides our readers with a straightforward means by which to monitor the efficacy of our outlook.
Read MoreTwo thirds of calendar year 2021 is now behind us with only four months remaining in the year. Equity returns have been generally robust while fixed income performance has lagged. This relative performance is consistent with Clearwater Capital’s Outlook and we expect this pattern will persist through the balance of the year. Click here for a more detailed look at major market index performance data, along with sector and style summaries.
Investment Portfolio Management is the first service addressed in John Sleeting’s Thought Leadership article titled, “What are Multi-Family Offices Services?” As a fiduciary, our responsibilities include being prudent stewards of client assets in achieving their long-term objectives. Objectives vary from client to client requiring differentiated solutions and services; thus, a client-centric approach toward investment management is required to tailor solutions for each family.
Read MoreFintech is the abbreviation of “financial technology” and likely plays a bigger part in your current day-to-day life than you may even know. A company is said to be involved in fintech if it dedicates a significant portion of its operations to developing or offering products that are particularly innovative in the way our current financial system works. As such, these companies have the distinct opportunity to massively disrupt current financial operations and completely change the way these functions are conducted through their technology.
Read MoreIn December 2018, our team wrote a piece called “Losing Money” as a Long-Term Investor. In that article, the primary message was for investors to stay the course with a personal long-term investment plan and to prevent making irrational decisions due to stock market volatility that occurs along the way.
Read MoreWealth transfer planning positions assets that will not be needed during one’s lifetime for efficient transfer to the next generation. An effective strategy transfers wealth to heirs in a financially sound and in some cases, tax-advantaged manner.
Read MoreEconomists and analysts began the year with relatively muted expectations for the U.S. economy. Emergency use authorizations for COVID-19 vaccines were just being issued and there was much uncertainty surrounding their availability and efficacy. Understandably, most forecasts for the reopening of the economy were cautious, if not grim. At the beginning of the year our country was still very much in lockdown mode and while hopeful, true optimism was hard to come by.
Read MoreOn June 30th, 2021 groundbreaking news broke from NCAA board of Directors. The NCAA announced they would be lifting restrictions on athletes receiving payments based on their name, image, and likeness (NIL). For decades we have seen athletes suspended for this behavior, notably Reggie Bush, Todd Gurley, and Johnny Manziel. Now, the NCAA has flipped the script and has effectively turned these amateur athletes into professionals.
Read MoreFor close to ten years, tax law rulings surrounding the Qualified Charitable Distribution (QCD) from an Individual Retirement Arrangement (IRA) to a charitable entity have flip-flopped as the tax code has grown and been modified over the years. But in 2015, the Protecting Americans from Tax Hikes (PATH) Act finally made the rules surrounding the QCD permanent, allowing individuals to give charitably while also minimizing income taxes from the Required Minimum Distribution (RMD).
Read MoreHard to believe it, but we have reached the midpoint of 2021 already and have finished one of the best first-half starts in years. In fact, with a gain of 14.4% it was the S&P's second best first-half performance since 1998. For the record, the Dow ended the first-half with a 12.7% gain, the Nasdaq with a 12.5% gain, and the small-cap Russell 2000 with a 17.0% gain!
The S&P has now advanced more than 5% in five consecutive quarters - for only the second time in history (1953-1954). Back then, stocks added another 26.4% over the next four quarters, so perhaps we should be open to the possibility for continued strength in the second half of the year and into 2022.
Everything about the past year-and-a-half has been unique and it is as important as ever to maintain an intelligent framework for decision making. To this end, we are pleased to present our Outlook 2021 Mid-Year Update. Here you will find our latest forecasts for what may be coming our way.
Read MoreAs with many aspects of our lives, Clearwater Capital relies on sophisticated technology to meet the needs of our clients while also keeping the sensitive information gathered in that process safe and secure. Protecting client information is one of our firm’s top priorities, to which we have dedicated a large amount of time and resources.
Read MoreIn 2017 we shared with readers An Intro to Family Offices in which we outlined the regulatory evolution and Securities and Exchange Commission (SEC) definition of a Family Office. Further, we referenced Dr. Kirby Rosplock’s book The Complete Family Office Handbook as she noted Family Offices are “designed to prepare family members to collectively manage, sustain, and grow their wealth across multiple generations”. We closed with a reminder that a families’ Human, Intellectual and Social Capital reflect the hopes, aspirations, and purpose of a Family while the Office helps to organize and manage the tools, financial and legal, to sustain the family and achieve their objectives.
Read MoreU.S. equities continue to grind higher as we move into the summer months. Following a minor pullback of about 4% for the S&P 500 (and nearly 7% for the NASDAQ) early in May, stocks have been broadly rebounding. As June begins, the U.S. equity markets stand within striking distance of reaching new all-time highs.
Optimism over much better COVID-19 data, the reopening of our economy and the anticipated wave of activity in the second half of the year, continues to support stock prices. While recent economic readings have been mixed, consumer sentiment remains strong and both industrial production and manufacturing activity are now up substantially from a year ago.
Read MoreLife is full of milestones. While many are joyous occasions, such as getting married or the birth of a child, others are less so. Sadly, divorce touches just under 750,000 American couples per year, equal to roughly 2.7% of the US population. (SOURCE: CDC.gov, data as of 2019) While this figure has been steadily dropping over the past 20 years, divorce is a factor in many lives. Such a life-changing decision has many aspects that need to be considered, many of which require specialized knowledge that many do not have. This lack of understanding can often be a barrier for people, preventing an unhappy couple from pursuing the course they would both otherwise prefer. Where will I live? How will I pay the bills? What will this do to my retirement plan? To help demystify the divorce process, here are a few things to consider as you begin the process.
Read MoreDisclosures:
THIS COMMENTARY HAS BEEN PREPARED BY CLEARWATER CAPITAL PARTNERS. THE OPINIONS VOICED IN THIS MATERIAL ARE FOR GENERAL INFORMATION ONLY AND ARE NOT INTENDED TO PROVIDE OR BE CONSTRUED AS PROVIDING LEGAL, ACCOUNTING, OR SPECIFIC INVESTMENT ADVICE OR RECOMMENDATIONS FOR ANY INDIVIDUAL. ALL ECONOMIC DATA IS DERIVED FROM PUBLIC SOURCES BELIEVED TO BE RELIABLE. TO DETERMINE WHICH INVESTMENTS MAY BE APPROPRIATE FOR YOU, PLEASE CONSULT WITH US PRIOR TO INVESTING. INVESTING INVOLVES RISK WHICH MAY INCLUDE LOSS OF PRINCIPAL.
This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities, insurance products, or to adopt any investment strategy. The opinions expressed are as of the date of writing and may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by Clearwater Capital Partners to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Past performance is no guarantee of future results. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. Investment involves risks. International investing involves additional risks, including risks related to foreign currency, limited liquidity, less government regulation and the possibility of substantial volatility due to adverse political, economic or other developments. Index performance is shown for illustrative purposes only. You cannot invest directly in an index. S&P 500 is a registered trademark of Standard & Poor’s Financial Services, a division of S&P Global (“S&P”) DOW JONES, DJ, DJIA and DOW JONES INDUSTRIAL AVERAGE are registered trademarks of Dow Jones Trademark Holdings (“Dow Jones”). FTSE Russell® is a trading name of FTSE, Russell, FTSE Canada, FTSE FI, FTSE FI Europe, WOFE, RBSL, RL, and BR. “FTSE®” “Russell®”, “FTSE Russell®”, “FTSE4Good®”, “ICB®”, “Refinitiv”, “Beyond Ratings®”, “WMRTM”, “FRTM” and all other trademarks and service marks used herein are trademarks and/or service marks owned or licensed by the applicable member of LSEG or their respective licensors and are owned, or used under license, by FTSE, Russell, FTSE Canada, FTSE FI, FTSE FI Europe, WOFE, RBSL, RL or BR. The two main risks related to fixed-income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments.
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