Financial News ,Investment Strategy ,Financial Planning
Understanding Risk in Investing - Part 3 - Investment Methods and Risk Premiums
4Thought's Chief Investment Officer, Jesse Mackey, discusses advanced concepts in risk that are pertinent to the advisor, institutional investor, or portfolio manager.
[fa icon="calendar'] Nov 5, 2020 8:38:36 AM / by 4Thought Financial
Financial News ,Investment Strategy ,Financial Planning
Understanding Risk in Investing - Part 2 - Modern Portfolio Theory Quantitative Tools and Statistics
4Thought's Chief Investment Officer, Jesse Mackey, discusses quantitative concepts in risk that are pertinent to the advisor or sophisticated retail investor.
[fa icon="calendar'] Oct 29, 2020 6:00:00 AM / by 4Thought Financial
Financial News ,Investment Strategy
4Thought’s Opportunistic Systematic Investing Strategy
4Thought's CIO Jesse Mackey explains the Opportunistic Systematic Investing Strategy and gives an overview of the four primary market environments.
[fa icon="calendar'] Jul 20, 2020 2:24:21 PM / by 4Thought Financial
Financial News ,Personal Investing ,Investment Strategy ,Financial Advisor ,Wealth Management ,Financial News
Dispelling Frequently Cited Misconceptions About Retainer Fee-Based Financial Planning & Wealth Management
From inaccuracies about cost and need to false expectations regarding contract obligations and services, this explainer dispels many of the common and frequently cited misconceptions about retainer fee-based financial planning and wealth management.
[fa icon="calendar'] Aug 1, 2019 2:29:52 PM / by 4Thought Financial
Retainer fee-based financial planning and wealth management services administered by trusted fiduciaries who act on your behalf can be instrumental in helping you achieve your lifelong financial goals. This includes developing a financial plan most aligned with your objectives, constantly revisiting and adjusting this so-called “fiscal roadmap” or “blueprint” in response to life events to ensure you remain on track, and providing insightful guidance to help navigate the various stages of your personal and professional life.
Financial News ,Investment Strategy ,Financial Advisor ,Financial News
‘AdvisorNews’ Spotlights 4Thought Financial Group’s ‘Bear, Bull, Wolf & Eagle’ Analysis
Popular trade publication features insights from wealth management firm’s CIO and ‘Bear, Bull, Wolf & Eagle’ analysis at the center of its Multi-Method Investing strategy.
[fa icon="calendar'] Jun 28, 2019 11:29:56 AM / by 4Thought Financial
4Thought Financial Group is proud to announce the award-winning financial industry trade magazine and news site AdvisorNews has recently published an interview with its chief investment officer Jesse Mackey highlighting the New York-based financial planning and wealth management firm’s “Bear, Bull, Wolf & Eagle” analysis redefining traditional market cycles.
Financial News ,Investment Strategy ,Financial Advisor ,Financial News
‘Journal of Financial Planning’ Features 4Thought Financial Group’s ‘Bear, Bull, Wolf & Eagle’ Analysis & Market Cycles Redefinition
Wealth management firm’s CIO outlines ‘Bear, Bull, Wolf & Eagle’ analysis at the heart of its Multi-Method Investing strategy in award-winning publication.
[fa icon="calendar'] Jun 7, 2019 1:29:15 PM / by 4Thought Financial
4Thought Financial Group proudly announces the publication of an investment management column by its chief investment officer Jesse Mackey in the June print, online and mobile editions of the award-winning, peer-reviewed Journal of Financial Planning.
Financial News ,Investment Strategy ,Financial Advisor ,Financial News
Managing Expectations: Income Investors Often Take Investment Results Out of Context
Comparing the S&P 500 to a diversified investment portfolio designed to generate monthly income is an apples-to-oranges analogy. Here's why.
[fa icon="calendar'] Jun 4, 2019 1:02:30 PM / by Martin E. Levine, CPA, ChFC, CAP
When a client and I first meet, we prepare a financial plan. Within the plan, we assess cash flow needs and determine how much the portfolio must generate in order to make up any monthly income shortfall, and thereby provide for the client’s lifestyle. By figuring out what the shortfall is, we can determine how to position the investments and other income sources.
Financial News ,Investment Strategy ,Financial Advisor ,Financial News
The Importance of an Investment Portfolio Second Opinion/Review
A second opinion on you or your clients’ investment portfolio by an independent fiduciary can help ensure the most effective strategies are being employed toward achieving financial goals.
[fa icon="calendar'] May 20, 2019 11:53:18 AM / by 4Thought Financial
When you’re sick, you visit a doctor. If your ailment persists or you’re told you need a more serious remedy, such as surgery, you get a second opinion from another.
Even when you’re feeling well, you still schedule a routine checkup.
Why? Because when it comes to your health, you don’t mess around. You want to ensure you’ve been diagnosed properly and are receiving the most effective treatment possible to achieve optimal health.
Your financial health and well-being may also benefit from a periodic wellness check, or second opinion, every so often.
Financial News ,Investment Strategy ,Financial News
Bear, Bull, Wolf & Eagle: The Markets Reimagined & Redefined
4Thought Financial Group breaks down the two main traditional markets into four, creating a more comprehensive approach to investment management called ‘Multi-Method Investing’ based upon a reassessment of the past 68 years of S&P 500 price history.
[fa icon="calendar'] May 10, 2019 12:47:00 PM / by 4Thought Financial
Every investor knows there are two primary financial markets, so-called “Bear” and “Bull,” and that historically, these alternate—the former characterized generally by falling prices; the latter by rising prices.
Financial News ,Investment Strategy ,Financial Advisor ,Financial News
How Can I Reduce Estate Taxes? The Irrevocable Living Trust
An Irrevocable Living Trust can be created while the grantor is alive, and transfers asset ownership to a legal entity with its own rules of operation.
[fa icon="calendar'] Apr 25, 2019 12:48:02 PM / by Brian C. Mackey, CLU
(Co-authored by 4Thought Financial Group CIO Jesse Mackey)
Most individuals that either now have or expect to have substantial wealth in the future prefer to plan in advance of their own death to minimize estate taxes to the extent possible.
While the federal estate tax exclusion in 2019 is relatively high compared to history ($11.4 million for an individual), the amount above that left to beneficiaries on death may be taxed at a maximum rate of 40%. This could be a huge tax bill in some cases if the proper planning is not done beforehand. In addition, some states have their own lower estate tax exclusion (in New York for example, it’s $5.74 million), so more people need to consider doing such planning than one might think.
So how exactly can one reduce estate taxes?
While there are several potential answers to this question (and the appropriate ones depend on the specifics of the situation), one possible solution is the Irrevocable Living Trust.
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