Cobblestone Capital Advisors, LLC.

There are certain evergreen finance questions that we hear from clients from all walks of life here at Cobblestone Capital Advisors. From retirement planning to current hot topics like AI, these quandaries run the gamut. With 2024 Q4 underway, many are also curious about how the U.S. Federal Reserve interest rates affect investments and advice. Interest rates underwent large changes in 2022 and 2023 and are expected to decrease toward the end of 2024. This has impacted various aspects of financial planning. Here’s what we’re considering: - Cash management: We’re helping clients explore high-yield savings accounts, money market funds, and short-term treasuries to maximize returns on cash holdings. - Borrowing costs: Higher rates impact mortgages, loans, and lines of credit. We’re advising clients on strategies to manage or reduce debt in this environment. - Overall asset allocation: The relative attractiveness of different asset classes can shift with interest rate changes. We’re continuously evaluating how this impacts optimal portfolio construction for our clients. Rather than trying to time interest rate movements, we focus on building diversified portfolios that can weather various interest rate environments. Whether you’ve had more finance-related questions on your mind or you’re ready for a new financial advisor, we can help! Contact us today to get started: https://lnkd.in/dZnZnF3 #financegoals #financequestions #moneymatters #wealthbuilding #economy

When it comes to finances, there is no shortage of questions—rightly so, since you should feel comfortable asking anything about your money matters! At Cobblestone Capital Advisors, we’ve fielded countless questions over the years. Some come up more frequently than others, and we’re here to share insights on five common, diverse questions we hear. We’re guessing that if so many clients ask us these questions, you may be wondering, too. In our recent article, we dive into questions like, “Does more money actually make people happier?” As you might suspect, this one doesn’t quite have a black-and-white answer. While money can certainly reduce stress and create opportunities, it doesn’t guarantee happiness. However, we’ve observed that our most successful and happiest clients tend to: - Focus on experiences over material possessions - Use their wealth to buy time by outsourcing tasks they don’t enjoy - Maintain perspective and don’t obsess over market fluctuations - Engage in philanthropy Check it out for our latest knowledge and insights on these burning questions: https://lnkd.in/efyxDvHk #financialplanning #personalfinance #financequestions #personalfinance101

When it comes to investment strategy, one size rarely fits all. Goals-based investing is a powerful approach that tailors your investments to your unique life objectives, transforming the abstract concept of wealth building into a concrete path toward your ideal future. So, what does goals-based investing look like? Simply put, it’s when your investment portfolio is designed to meet your specific goals. This approach shifts the focus from beating market benchmarks to achieving what truly matters to you. Learn more about goals-based investing in our latest article: https://lnkd.in/e45z284x #investing101 #investmenttips #smartinvesting #financetips #wealthbuilding

Check out this clip from Episode 50 of "The Trusted Partner Podcast," where hosts Jesse Cramer and Gabriel Chodak discuss the Federal Reserve's recent September 20th 50 basis points rate cut and its ramifications. You can listen and subscribe to The Trusted Partner Podcast on Apple Podcasts, Spotify, or at the Cobblestone Capital website (see the link below in the Comments).

How can you measure whether your investment portfolio is active or passive and understand its construction? This is just one significant question Gabriel Chodak and Jesse Cramer discuss with Cobblestone Portfolio Manager and Head of Global Equities Jordan Millner, CFA in Episode #19 of The Trusted Partner Podcast. As Jordan explains, investors must first be familiar with the rules and guidelines for their investment vehicles. Of course, that can be easier said than done when finances and investments aren’t your forté. Which brings us to another question: When, where, and how much should you pay for a wealth manager to actively build and monitor your portfolio? Discover the value-add of entrusting your asset allocation decision-making to a professional, plus answers to many more questions about active vs. passive investing, by heading to the full episode today: https://lnkd.in/e6b8CqPq #investingforbeginners #passiveinvesting #activeinvesting #investmenteducation #wealthadvisors

What is active vs. passive investing—and how should you allocate your assets? On Episode #19 of The Trusted Partner Podcast, Jesse Cramer and Gabriel Chodak chat with Jordan Millner, CFA, Portfolio Manager and Senior Investment Analyst at Cobblestone, to answer this and much more about the “Active vs. Passive Debate.” When we say “active vs. passive,” things can get a bit murky because these terms could refer to both the funds/investment vehicles you choose AND your decision-making. For example, you could have passive index funds but be very active in how you decide to allocate those funds. Listen to the full episode for more insights on selecting, managing, and measuring your active vs. passive investments and more now: https://lnkd.in/e6b8CqPq #investing101 #passiveinvesting #activeinvesting #investmentstrategy #financialliteracy

Phone and email scams have been around for a long time, so you should be able to identify a bogus call when you get one, right? Unfortunately, they’re becoming even more realistic and sophisticated. So, when you get an email or call that makes you raise an eyebrow, be sure to: - Never open unsolicited emails or answer a call from a number you don’t recognize - Verify the authenticity of emails and phone calls that seem important by calling a known good phone number not provided in the email or by the caller - Contact a trusted family member, friend, or advisor for advice if the request seems urgent and you can’t verify its authenticity Scammers play on emotions, so don’t let them take advantage of you. If you’re looking for more financial security and guidance, contact Cobblestone today to learn how we can help: https://lnkd.in/dZnZnF3 #cybersecurity #emailsecurity #emailscams #phonescams #financialprotection

Cyberthreats and scams are becoming more sophisticated every day, so it’s more crucial than ever for businesses and individuals to safeguard their data. That includes enabling multi-factor authentication (MFA). Yes, it entails an extra step of entering a code sent via an authenticator app, text, or email when you log into your accounts—but the added security is well worth those few extra seconds. Enable MFA wherever possible, especially for high-value targets like your email and online financial accounts. Check out four more crucial steps to boost your cybersecurity today: https://lnkd.in/ep6RG-tg #cybersecurity #scamawareness #financialsecurity #dataprotection #cyberthreats

As you plan for your child’s future, you’ve likely considered 529 college savings plans. But exactly how do they work—and is this the best option for you? With college costs skyrocketing, many parents are turning to 529 plans to help fund their children’s education. This is a tax-advantaged savings account designed to encourage parents to save for future education costs. Your investments grow tax-free, and withdrawals are tax-free when used for qualified education expenses like tuition, fees, books, and room and board. Some states, like New York, even offer limited tax deductions for contributions. Additional perks of 529 savings plans include: - Age-based investment options offered by most, like target-date retirement funds - Flexible planning in case your child doesn’t go to college or chooses a less expensive education path - The option to shop for 529 plans in other states - The ability to start a plan even before your child is born Get the full breakdown of 529 plans in our latest article: https://lnkd.in/ejrurct8 #529plan #collegesavings #highereducation #collegeplanning #financialplanning

Check out this clip from Episode 49 of "The Trusted Partner Podcast," where hosts Jesse Cramer and Gabriel Chodak ask Zach Stanley to share insights into the future of the sports card industry, its role as an alternative asset and Zach's personal stories of treasured sports memorabilia. The discussion explains the concept of card breaking, the financial rationale for buying specific teams and its impact on the sports card industry. Zach elaborates on the evolution of the industry, describing how it has been driven by entertainment and social components emphasizing the importance of creating engaging experiences for collectors. Zach also discusses how new technology and social platforms have reshaped the hobby, making it a unique intersection of memorabilia, fandom, and investment. You can listen and subscribe to The Trusted Partner Podcast on Apple Podcasts, Spotify, or at the Cobblestone Capital website (see the link below in the Comments).