David Gottlieb and Jennifer Shenise, CPA, president of Connolly & Company, an accounting, bookkeeping and tax practice in Warren, NJ discuss ROTH IRAs, in terms of basic limitations, material benefits, and ways for highly affluent and/or high earning individuals to take advantage of them.

David Gottlieb is an investment adviser representative with Savvy Advisors, Inc. (“Savvy Advisors”). Savvy Advisors is an investment advisor registered with the Securities and Exchange Commission (“SEC”). Wealth Retention is a business name used for marketing purposes. Wealth Retention and Savvy are not under common ownership or control, nor is Wealth Retention a separately registered entity. The views and opinions expressed herein are those of the speakers and authors and do not necessarily reflect the views or positions of Savvy Advisors. Information contained herein has been obtained from sources believed to be reliable, but are not assured as to accuracy.

David Gottlieb is an investment adviser representative with Savvy Advisors, Inc. (“Savvy Advisors”). Savvy Advisors is an SEC registered investment advisor. Wealth Retention is a business name used for marketing purposes and is not under common ownership or control with Savvy Advisors, nor is Wealth Retention separately registered as an investment advisor. The views and opinions expressed herein are those of the speakers and authors and do not necessarily reflect the views or positions of Savvy Advisors. This material is presented for informational purposes only and should not be considered a recommendation of any particular investment product or as advice, nor does this information constitute a solicitation or offer to buy or sell securities. All investments involve risk, including loss of principal.

Securities offered through DAI Securities, LLC, member FINRA/SIPC. Advisory services offered through Savvy Advisors, Inc. (“Savvy Advisors”), an SEC Registered Investment Adviser. DAI Securities, LLC and Savvy Advisors are separate and unaffiliated entities.

David Gottlieb is an investment adviser representative with Savvy Advisors, Inc. (“Savvy Advisors”). Savvy Advisors is an SEC registered investment advisor. Wealth Retention is a business name used for marketing purposes and is not under common ownership or control with Savvy Advisors, nor is Wealth Retention separately registered as an investment advisor. The views and opinions expressed herein are those of the speakers and authors and do not necessarily reflect the views or positions of Savvy Advisors. This material is presented for informational purposes only and should not be considered a recommendation of any particular investment product or as advice, nor does this information constitute a solicitation or offer to buy or sell securities. All investments involve risk, including loss of principal.

Securities offered through DAI Securities, LLC, member FINRA/SIPC. Advisory services offered through Savvy Advisors, Inc. (“Savvy Advisors”), an SEC Registered Investment Adviser. DAI Securities, LLC and Savvy Advisors are separate and unaffiliated entities.

Savvy Advisor colleagues David Gottlieb and Josh Barone discuss the client surrounding the economy on April 25th, 2025, as global tariffs, interest rates, and currency valuations all took particular interest in highly intellectual conversation.

David Gottlieb and Joshua Barone are investment adviser representatives with Savvy Advisors, Inc. (“Savvy Advisors”). Savvy Advisors is an investment advisor registered with the Securities and Exchange Commission (“SEC”). Joshua Barone is also a Managing Partner at Ancora West Advisors, LLC dba Universal Value Advisors (UVA). UVA is an investment advisor registered with the SEC. UVA and Savvy are not affiliated or related. Any products of services offered, sold and/or recommended by Joshua Barone through UVA, including interest in FFIU fixed income fund are via his relationship with UVA and not through Savvy. The Morningstar Medalist Rating of the FFIU is as of March 31, 2025. The Morningstar Medalist Rating is a forward-looking assessment of mutual funds, exchange-traded funds, and closed-end funds. This five-tier rating system operates on a scale ranging from Gold to Negative, with Gold, Silver, and Bronze ratings indicating that analysts expect that particular investment vehicle to outperform its Morningstar Category index over a long-term period. The process of calculating the Morningstar Medalist Rating includes analyzing the performance of the asset-management firms that handle various assets and securities and determining whether their processes are sensible and clearly defined. Other factors that are consideration are the investment philosophy behind the investment vehicle, the level of risk involved in the process, and the manager’s approach to navigating that risk. For more information about the Moringstar Medalist Rating, please visit: https://www.morningstar.com/investing-definitions/morningstar-medalist-rating-for-funds. Wealth Retention is a business name used for marketing purposes. Wealth Retention and Savvy are not under common ownership or control, nor is Wealth Retention a separately registered entity. The views and opinions expressed herein are those of the speakers and authors and do not necessarily reflect the views or positions of Savvy Advisors. Information contained herein has been obtained from sources believed to be reliable, but are not assured as to accuracy.

David Gottlieb is an investment adviser representative with Savvy Advisors, Inc. (“Savvy Advisors”). Savvy Advisors is an SEC registered investment advisor. Wealth Retention is a business name used for marketing purposes and is not under common ownership or control with Savvy Advisors, nor is Wealth Retention separately registered as an investment advisor. The views and opinions expressed herein are those of the speakers and authors and do not necessarily reflect the views or positions of Savvy Advisors. This material is presented for informational purposes only and should not be considered a recommendation of any particular investment product or as advice, nor does this information constitute a solicitation or offer to buy or sell securities. All investments involve risk, including loss of principal.

Securities offered through DAI Securities, LLC, member FINRA/SIPC. Advisory services offered through Savvy Advisors, Inc. (“Savvy Advisors”), an SEC Registered Investment Adviser. DAI Securities, LLC and Savvy Advisors are separate and unaffiliated entities.

Van Carlson of SRA 831 Admin joins Wealth Retention to discuss Captive Insurance, more specifically the 831(b) section of the internal revenue code.  In circumstances where business risks are either too expensive to cover by third party insurance providers or otherwise uninsurable, this strategy may be a strong option to consider.  Together, Van and David describe the strategy, the pros and cons of its usage, and examples of how it can be put in place.  

SRA 831 Admin is a third party administrator based out of Eagle, ID, and specializes in establishing and maintaining 831(b) policies for business owners.  Van Carlson is the Founder & CEO at SRA and has over twenty five years of experience within the risk management industry. Van began his career with Farmers Insurance Group as an agent; eventually growing his book to be among the largest in his home state of Idaho. Van’s primary goal is to continue the upward growth of SRA and continue to develop new products to bring to market.

David Gottlieb is an investment adviser representative with Savvy Advisors, Inc. (“Savvy Advisors”). Savvy Advisors is an SEC registered investment advisor. Wealth Retention is a business name used for marketing purposes and is not under common ownership or control with Savvy Advisors, nor is Wealth Retention separately registered as an investment advisor. The views and opinions expressed herein are those of the speakers and authors and do not necessarily reflect the views or positions of Savvy Advisors. This material is presented for informational purposes only and should not be considered a recommendation of any particular investment product or as advice, nor does this information constitute a solicitation or offer to buy or sell securities. All investments involve risk, including loss of principal.

Securities offered through DAI Securities, LLC, member FINRA/SIPC. Advisory services offered through Savvy Advisors, Inc. (“Savvy Advisors”), an SEC Registered Investment Adviser. DAI Securities, LLC and Savvy Advisors are separate and unaffiliated entities.