A STEWARD'S VIEW

This week, we turn to year-end money moves to help strengthen your position. When is a good time to rebalance in (and after) a bull market?  What about your retirement accounts -establishing them, funding them, distributing from them?  What if you’re a business owner?  What are the options?

These are the questions we'll help you answer - and beyond what AI can give you! We hope you capture year-end giving and planning opportunities. Enjoy!

Weekly Verses:

Do not lay up for yourselves treasures on earth, where moth and rust[a] destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also. - Matthew 6:19-21 (ESV)

References:

English Standard Version Bible, 2001, Matthew 6:19-21

Fidere Media, LLC is not affiliated with Fidere Advisors, LLC.  Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

We've heard that value and price are different. But when it comes to your portfolio, how can you tell one from the other? What are the variables to consider, and how can you assess value in the end? Those are the issues in this week's episode of our Investment Planning Series. Like, listen, follow and share!

The VALUE of this work speaks for itself. And don't forget the new "allocation premium" calculator at www.fidereadvice.com. Share with your friends and pros alike, and raise the bar on your decisions. Aggregate, optimize, measure, repeat! Remember historical data is all we have, and there is no promise of tomorrow in any respect (James 4:13, ESV). Enjoy this week's VALUABLE episode!

Weekly Verse:

As for the rich in this present age, charge them not to be haughty, nor to set their hopes on the uncertainty of riches, but on God, who richly provides us with everything to enjoy. They are to do good, to be rich in good works, to be generous and ready to share, thus storing up treasure for themselves as a good foundation for the future, so that they may itake hold of jthat which is truly life. - 1 Timothy 6:17-19 (ESV)

This week's work is about coming to clarity with your Universal Pie Chart - taking overall risk and return, charting it, and measuring it. It's about knowing whether or not value has been added in to you portolio, in terms of diversification and correlation. It's about knowing whether or not you've actually built a great plan for your financial assets, compared to the market's risk-return offer.

If you consistently score the value added to your entire portfolio through the construction process, you can answer whether or not your goals are really being funded efficiently. Please enjoy this episode, and take your analysis to the next level!

Need a hand? Just ask! We're here for you. Reach out to our sponsor, Fidere Advisors, anytime at: www.fidereadvice.com/contact, or schedule at: www.calendly.com/fidere-advisors.

Have a blessed week!

The ASV Team

Verse of the Week: No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money. - Matthew 6:24 (ESV)

It's difficult to sum up a multi-step process designed to optimize assets, but this week's topic does just that. We march closer to asset optimization scoring, as we examine the Universal Pie Chart. Discover the aggregate risk, return, and Shape Ratio - across multiple time periods, and then compare those metrics to the market and to an optimized model. Seek to extract risk and enhance return... and get ready to evaluate your holdings, the fees, and the value of any advice received!

Weekly verses:

I have said these things to you, that in me you may have peace. In the world you will have tribulation. But take heart; I have overcome the world.” - John 16:33 (ESV)

And let the peace of Christ rule in your hearts, to which indeed you were called in one body. And be thankful. - Colossians 3:15 (ESV)

This week we turn to the benefits of Asset Aggregation. We discuss what diversification is, and what it isn't, and we move closer to a conversation about Optimizing Assets.

We hope you enjoy this week's foundational work on the benefits of a singular investment plan, including genuine diversification, tax optimization, and a correlation analysis. We continue to encourage you to take time to aggregate assets independently, and invite you to use our sponsor's FUSION tool anytime: www.fidereadvice.com/fusion

Weekly Verses:

If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him. - James 1:5, ESV

But the wisdom from above is first pure, then peaceable, gentle, open to reason, full of mercy and good fruits, impartial and sincere. And a harvest of righteousness is sown in peace by those who make peace. - James 3:13, ESV

Fidere Media, LLC is not affiliated with Fidere Advisors, LLC.  Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

Don't miss this critical episode in the new ASV Investment Planning Series!

This simple but robust episode focuses on the value of asset aggregation in the context of Investment Planning. It articulates the universal view of assets that is needed to begin building an investment plan, and the cost of inefficiency if the work isn't done. Most importantly, learn the process and ongoing benefits of aggregation and monitoring assets in a single view!

Special Guest Richard Robertson from Genesis Publishing House joins us to talk about the Life Cycle of Wealth book expansion, and more about Genesis Publishing House.

Listen and share this week's ASV! You just may decide to take the day off and aggregate!

We hope you enjoy this week's episode on the practicalities of projecting your cash position into the near future, so you can properly time your expenses, and move further away from the distractions that poor cash flow can bring, and move nearer to the places that God has for you to be.

Weekly verse: Hebrews 13:5 tells us, "Keep your life free from love of money, and be content with what you have, for he has said, “I will never leave you nor forsake you.”Additional verses: John 14:27, Romans 7:18, Galatians 5:22-23

The U.S. job market is slowing, but resilient. Non-farm payrolls (additions or subtractions to jobs available in the marketplace) - a coincident indicator - has decreased in recent years. The unemployment rate - another coincident indicstor - stands at 4.3%. Thankfully, initial jobless claims - a leading indicator - are at relative lows. Combining these points, we can see that the U.S. has increasingly remained at full employment, that is, a 4-6% unemployment rate.

Visit our full weekly post (with references) at: www.astewardsview.com/blog

Verses of the week:

"Bondservants, obey in everything those who are your earthly masters, not by way of eye-service, as people-pleasers, but with sincerity of heart, fearing the Lord. Whatever you do, work heartily, as for the Lord and not for men, knowing that from the Lord you will receive the inheritance as your reward. You are serving the Lord Christ."

- Colossians 3:22-24 (ESV)

This episode details the realities of cash flow planning, knowing your "n" and then staying on track towards funding goals and ultimately, funding a legacy.

Find out why cash flow is the unsung hero of all great financial planning efforts. We think you'll see that "If Cash Is King, Cash Flow is Queen." Be sure to check out this week's attachments to equip you in navigating this truth, jotting it down, then tracking it daily. Visit www.astewardsview.com/blog

The heart of man plans his way, but the Lord establishes his steps.

- Proverbs 16:9 (ESV)

This episode connects estate planning to wealth transfer, and wealth transfer to legacy. Legacy is the history, the ethos, the overall stewardship transition involved in wealth moving from one generation to the next. Much is made of business ownership and the compexities involved. Enjoy this non-technical episode that may be the biggest blessing yet from ASV!

Verse of the Week:

"A good man leaves an inheritance to his children's children,
but the sinner's wealth is laid up for the righteous."

- Proverbs 13:22, ESV