A Wealth of Advice

In today's episode Nicholas Olesen, CFP®, CPWA® talks with Nicholas Ryder, CFA®, Kathmere Capital's Chief Investment Officer, about a recent commentary he wrote to answer questions about how much the stock market is impacted by a recession.

For the charts discussed during the podcast and the original commentary, please visit: http://bit.ly/KCM-BLOG 

Please reach out for help or send us feedback and any topic or questions you would like us to cover.  Email us at: [email protected] 

In today's episode Nicholas Olesen, CFP®, CPWA® talks about one of the best part about a market pullback, tax savings.

Rather than spend 30 minutes on all that it entails and multiple examples of how it works, this episode will cut right to how our investment team utilizes tax-loss harvesting.  In a recent published paper in the Financial Analysts Journal, and then summarized in an article from Vanguard, by implementing these strategies investors could benefit as much as 0.92% annually. There are not a lot of guarantees from investing, but tax savings is one guarantee we can take advantage of. 

We would love to help!  Please reach out for help or send us feedback and any topic or questions you would like us to cover.  Email us at: [email protected] 

In today's episode Nicholas Olesen, CFP®, CPWA® shares why this 10% pullback in the stock market feels so much worse and that data that validates those feelings.

"How is the market only down 10%?" is a common question in recent conversations with investors and we believe it's a very fair feeling. Rather than just respond with, that's a normal pullback or it'll come back, we thought it would be more helpful to dive into the underlying reasons this feeling makes sense.

Here's the three main reasons we expand on:

• Stocks and bonds are both down more than 10% so far this year, the largest joint drawdown since the late 1970's.
• The drawdown has been much, much worse for many stocks
• The largest and most commonly owned companies have also pulled back more

You can see the charts referenced by visiting: www.kathmere.com/blog

 

In today's episode Nicholas Olesen, CFP®, CPWA® & Nicholas Ryder, CFA® talk with Perth Tolle, who brings an innovative way to invest in and view emerging markets, through a freedom analysis. 

With the events of today, Russia's horrific invasion of and war against Ukraine, many investors may be asking how they can allocate to emerging markets but stay clear of investing in areas of autocracy. As you will hear, Perth created the Freedom 100 Emerging Markets Index, which is a freedom-weighted equity strategy that uses personal and economic freedom metrics as primary factors in its investment process to invest in emerging markets.

You can find the video interview and transcript by visiting: https://www.kathmere.com/blog 

We would love to help!  Please reach out for help or send us feedback and any topic or questions you would like us to cover.  Email us at: [email protected] 

In today's episode, Nicholas Olesen, CFP®, CPWA® shares how seductive pessimism can be and why it's so hard but advantageous to be an optimistic investor.

With what feels like a world getting closer and closer to WWIII, it’s understandable that, from an investing perspective, you can start to feel concerned.  However, as Nicholas shares, allowing history to be your gauge, not market pundits selling fear, can help you stay the course.

To learn more about our firm and how we help our clients, visit: https://www.kathmere.com/ 

We would love to help!  Please reach out for help or send us feedback and any topic or questions you would like us to cover.  Email us at: [email protected] 

In today's episode Nicholas Olesen, CFP®, CPWA® shares the top tax reduction strategies we have advised executives and other high-income earners to take advantage of. 

Taxes is probably the one thing just about everyone feels they pay too much of. For executives and high-income earners, it is by far the largest expense they pay each year and for many it costs them over 50% of their income. 

Nicholas starts off with a little tax terminology and education and then shares what he have seen as the most impactul strategies. Here's a few topics covered:

• Difference between tax bracket, marginal rate, and effective rate
• Deductions vs Credits and how to maximize both
• How past legislation can give us insight into the future for tax law
• The 4 strategies that you need to be doing today

You can find a transcript of today’s show by visiting: https://www.kathmere.com/blog

We would love to help!  Please reach out for help or send us feedback and any topic or questions you would like us to cover.  Email us at: [email protected] 

In today's episode Nicholas Olesen, CFP®, CPWA® shares what he has found to be some of the best ways to teach your kids, no matter their age, good money habits. 

“I wish I had talked to my kids more about money and how to best use and save it.”  Through a common but effective framework, the three bucket approach to money: Spend; Save; and Give, Nicholas covers how to teach each. He uses real life stories and examples to help you raise moneywise adults.

You can find a transcript of today’s show by visiting: http://bit.ly/KCM-BLOG 

We would love to help you!  Please reach out with any feedback and any topic or question you would like us to cover.  Email us at: [email protected] 

In today's episode Nicholas Olesen, CFP®, CPWA® shares how we help clients answer this simple, but very important question about retirement income planning and spending. He also takes a step into the highly debated 4% withdrawal rule and why it may not be right.

As most people plan for and dream about retirement, until you are on the verge of stepping into retirement, many people don't figure out how the logistics and strategy to replace their income. During today's 15 minute podcast, Nicholas talks through the three big questions that everyone should think about when planning their retirement income and portfolio. 

A few topics covered are:

• Income vs withdrawals
• The 4% withdrawal rule was not meant to be 4% forever and for everyone
• Two types of risk to retirement portfolios
• The three questions you have to answer to know how much you can spend in retirement

You can find a transcript of today’s show by visiting:  http://bit.ly/KCM-BLOG

Please send us feedback or topics/questions you would like us to cover or if you would like to talk about your personal situation.  Email us at: [email protected] 

In today's episode Nicholas Ryder, CFA®  joins Nicholas Olesen, CFP®, CPWA® to talk about one of the hottest topics in the news, inflation. He shares both how and why inflation has been rising quite a bit recently and also what, if anything, investors should do about it.

This timely episode comes just a week after the latest reading of inflation came in at over 6% year-over-year, the highest value since the 90's. We have been receiving many questions from listeners and clients asking what our view of and what they can do about inflation.

This episode covers:

• Quick background on how inflation is measured
• How and which policy responses to COVID brought on much of this
• Why the recent surge in inflation
• His outlook for inflation
• What investors can and should do about inflation

You can find a transcript of today’s show by visiting: https://bitly.com/KCM-BLOG

We would love to help!  Please reach out for help or send us feedback and any topic or questions you would like us to cover.  Email us at: [email protected] 

In today's episode Nicholas Olesen, CFP®, CPWA® shares what considerations and questions you need to ask when offered a new job.

With so many of our clients receiving great new job offers in this tight job market, we have having a lot of great conversations and doing a lot of analysis to help our clients gain clarity and confidence about what to do. We thought it would be helpful to walk through how we answer the question, "Should I take the new job?" 

This one question typically leads us to ask about:

• Comparing total compensation, not just salary
• Making up any equity grants or LTIs you are walking away from
• Analyzing benefits, including retirement plans and matches
• Understanding the work culture and if it fits with your personality

You can find a transcript of today’s show at http://bit.ly/KCM-BLOG

Please email us with any questions or topics you have or if you want to talk about your personal situation: [email protected]