Thought Leadership Resource Center
Starting January 1st, 2024, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) started enforcing the Corporate Transparency Act of 2021 designed to hinder illicit finance. The Corporate Transparency Act requires many entities to now report information about their ultimate beneficial owners to FinCEN.
Read MoreFinancial crime is changing rapidly as bad actors continually improve their methods and tools to profit at the expense of others. While many Americans are aware of this, few fully understand the scale and scope of the issue. That understanding is key to preventing catastrophe. Clearwater Capital is in a unique position to help our clients, and their families, identify and prevent financial crime thanks to the depth of our relationships with them.
Read MoreThe investing world mourns the loss of a true legend as Charlie Munger, vice chairman of Berkshire Hathaway, passed away on Nov. 28 at the age of 99. Munger had been known as Warren Buffet’s closest business partner and right-hand man since he joined Berkshire in 1978.
Read MoreIn July, I had the opportunity to attend the Family Wealth Alliance’s (FWA) Women’s Summit held in Boston—an event dedicated to "Elevating Women in Family Wealth”. The atmosphere was charged with energy and enthusiasm as women from the Multi Family Office industry gathered to collaborate, exchange ideas, and celebrate the achievements of women advisors.
Read MoreBack in March, we published a list of legislative changes the Secure Act 2.0 brought. The IRS has since released some clarifications that will impact savers.
Read MoreOn Saturday, June 3rd President Biden signed the debt ceiling bill, avoiding a potential waterfall of economic headlines. His signing comes just 2 days before the date the Treasury said the government would run out of money. Understanding this critical component of fiscal governance is vital in grasping its potential impact on the nation's economy and financial stability.
Read MoreLast month I spent a week on the UPenn Wharton Campus, the conclusion of my 2nd year of the Securities Industry Institute (SII) program. The class syllabus ran the full spectrum focusing on critical topics such as market dynamics, risk management, regulatory changes, leadership development, and strategic decision-making. More interestingly, however, is that while hitting each of these key areas, the program also affords its professors flexibility on how to accomplish each noted area of study. One theme that stuck out throughout the various topics was the rate at which artificial intelligence (AI) was brought up. Whether it was Chat GPT, AI or AI ethics, the subject arose in every single class.
Read MoreLast year the technology sector was down roughly 27% due to high inflation and interest rates. Tight monetary policy has significantly limited growth forecasts, and slowed down new startups. While some positive performance has returned to start the year, mass layoffs have instilled additional fear in the eyes of investors. According to TechCrunch there have already been over 150,000 layoffs in the first 3 months of this year and there are no signs of it slowing down. Large and small cap companies alike are experiencing the pain of having to let employees go.
Read MoreOver the past several days there have been significant developments in the financial sector that warrant a direct response from your team at Clearwater Capital Partners. This morning we convened a full session of our Investment Policy Committee, and we offer this multi-layered response to recent events.
Read MoreThe Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 brought key changes to many of the most popular retirement accounts and strategies. Three years later on December 23, 2022, the long awaited sequel, aptly named SECURE Act 2.0, was passed as part of the year end spending bill. Secure 2.0 builds upon the changes made by the 2019 legislation and will likely impact even more individuals than the original act did. The following is a summary of the main provisions in SECURE 2.0 that are likely to impact individual investors.
Read MoreWe had generally expected 2022 would be a year in which a recession was unlikely and pent-up demand lingering from the COVID pandemic would fuel continued economic growth. It looks like we may have gotten at least one of those expectations right. In our Outlook 2022 report we even observed that the Fed would likely “begin raising rates in 2022, as soon as March”, which is exactly what they did.
Read MoreSam Bankman-Fried (SBF)…his name may not mean much to you, but he has become extremely popular within the cryptocurrency space… and not for good reasons. Until this last month, Sam was a crypto juggernaut. He began by his crypto fame by co-founding a crypto trading firm called Alameda Research back in 2017. In 2019, Sam stepped down from his CEO role at Alameda Research to found FTX, a cryptocurrency derivatives exchange. FTX experienced immense success and was valued at $32 billion earlier this year. As the title of the article suggests, this success came to a drastic halt. On Nov. 11th, 2022, FTX filed for chapter 11 bankruptcy in which 130 affiliated companies are included in the proceedings.
Read MoreInflation has been the hot button topic of the year. Seemingly every article, news segment, or social media post in regard to the market or economy will include at least some reference to inflation and the role it plays. Most of these references are about its effect on the consumer or how it has changed outlooks for various companies. What perhaps is lesser known, however, is the role CPI has in many government-stipulated figures such as Social Security benefits, qualified plan contribution limits, and income tax brackets. This article will focus on the various figures that are, in one way or another, tied to the CPI and its implications for American investors and retirees.
Read MoreAs of 2019, the Millennial generation (those born between 1981 and 1996) officially surpassed the Baby Boomers as the largest living population group in the United States (Source: Pew Research). While much of our commentary and attention focuses on current trends and data, it can be easy to be so focused on the here and now that larger structural trends, like demographic trends, go unnoticed. While these current trends and data are critical for making tactical investment decisions, it is also important not to miss the forest for the trees given the time horizons our clients are typically working with.
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”). 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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