Seapoint Wealth Advisors

On this Veterans Day, we honor the brave men and women who have served our country with unwavering dedication and courage. Their sacrifices and commitment to protecting our freedoms will never be forgotten. Thank you, veterans, for your service and for ensuring our nation’s safety and liberty. #veteransday

Employers! If greater financial compensation is non-negotiable, offering value-adding employee benefits, such as work-life referral services can boost employee satisfaction. Work-life referral services help employees manage personal, work, or family challenges by connecting them with resources like education, care & medical providers. The IRS concluded that these services are excluded from gross income as a de minimis fringe benefit and are not subject to federal employment taxes. FYI - This applies only to the referral services, not other bundled services. #EmployeeBenefits #TaxGuidance #WorkLifeBalance https://lnkd.in/gTSeavYQ

?? It's the Last Day to Register! Join us for the Q3 Economic and Market Review Webinar, featuring Mark Eibel, CFA?, Director of Client Investment Strategies at Russell Investments. -- ?? Date: TOMORROW! October 30th ?? Time: 10:00 AM PST -- ?? Registration link in the comments below ?? -- What you'll hear about: * Capital market returns annualized for periods greater than 1 year * How laggards for the first half of the year outperformed in Q3 * Why domestic strength makes international and emerging market stocks appear attractive * Provisions set to expire if the Tax Cut and Jobs Act is allowed to sunset We look forward to seeing you there! #Webinar #EconomicReview #FinancialInsights

?? Ready to dive into the market's wild ride? Join us on Oct 30th for our *Q3 Economic and Market Review* webinar with our good friend Mark Eibel, CFA?, from Russell Investments! We'll unpack the surprising Q3 comeback stories, explore why some see international and EM stocks becoming more attractive, and what expiring TCJA tax provisions may mean for you. ?? See the comments for the registration link. It's our last session before the 2024 elections—so don't miss out! What market trends are you most curious to explore? ???? #MarketInsights #WebinarWednesday #TCJA #EconomicReview

?? Psst! Last chance to register for... "People Care About Elections, Markets Don't" ?? Tuesday, September 10th at 10:00 AM PT. Join us for a deep dive into the dynamics between elections and market performance with expert insights from Brian Levitt & Alex Schardt CIMA?,CRPC? of Invesco. ?? [https://lnkd.in/g2gMrTcX?] What We'll Cover In This Presentation: ? The range of one-year market returns?across administrations since 1961... ? Impacts of holding a?partisan portfolio vs. bipartisan investing... ? Why politically focused sector calls?are often wrong... ? How easing OR tightening financial conditions?underscore or overshadow presidential performance... Secure your spot now! #Finance #Investment #Webinar #Invesco #Seapoint #Election2024 Chad Taylor, CFP?Matthew Warter, AIF?Susan Bowers, CFP? Theresa Houle, AIF?

For some seniors, the mental and physical changes they experience as they age can make it difficult to live independently. This is where a geriatric care manager (GCM) can help https://lnkd.in/giDpuEfa

Planning to live to age 100 demands that you design ESSENTIAL financial and logistical systems. https://lnkd.in/gdSrzuBe

ERISA mandates that plan fiduciaries act prudently and solely in the interest of the plan participants and beneficiaries. This fiduciary duty includes: - Duty of Loyalty: Ensuring that all decisions benefit the plan participants and beneficiaries. - Duty of Prudence: Acting with the care, skill, and diligence that a prudent person familiar with such matters would use. - Duty to Diversify Plan Investments: To minimize the risk of large losses. - Duty to Follow Plan Documents: Ensuring that all actions comply with the governing plan documents, provided they are consistent with ERISA. https://lnkd.in/gsWNgcU7

Cash flow is a major challenge for any new business owner. Effective CFM ensures that a business has enough liquidity to meet its obligations and support day-to-day operations. For those eyeing an entrepreneurial path, understanding and managing cash flow and pricing will significantly impact business viability. https://lnkd.in/gm4idW8f

Many investors' instincts to market volatility are to react with fear and anxiety Certain wealth-planning strategies can help you navigate these turbulent periods Here are 5 tactics to consider: **1/ Tax-Loss Harvesting** Tax-loss harvesting allows investors to sell off investments that have decreased in value, offsetting the capital gains that have been realized from other investments This strategy may help manage your investment portfolio more effectively and mitigate your overall tax liability, possibly making it a prudent move during market dips **2/ Diversification** A concentrated portfolio may offer substantial returns during good times But it can lead to significant losses when the market takes a downturn Diversifying your investments across different asset classes, industries, and geographies can help mitigate risks By absorbing shocks better and position an investor for a smoother investment journey over the long term **3/ Buying Low** For the astute investor, declining markets can represent opportunity Quality stocks may be available at a "discount" compared to valuations during stronger markets It does require a keen eye for opportunity and the patience to hold investments until the market recovers **4/ Insurance** Outside of peace of mind, life and health insurance policies can also be strategically used to manage financial liabilities, including inheritance taxes In rising interest rate environments, the cost of premiums for certain types of insurance, such as whole life cover, may decrease to more favorable rates **5/ Strategic Annual Gifting** Annual gifting can help manage the size of your taxable estate While providing immediate financial assistance to family members, such as navigating a challenging housing market Consulting with a financial professional can provide guidance to help navigate these complex decisions -- If you found this post helpful, give us a ?? or ?? Follow @SeapointWealth for more investing tips