Stableford Capital Insights

Money mindset starts early in life, from parental models to media influence and advertising. This psychology of investing refers to financial habits and dictates how someone spends and saves money. Through behavioral finance, an advisor gains insight into these habits to better coach the investor on how to manage money responsibly to ultimately gain financial wellness.

When it comes to automating tasks and gathering data, technology takes the lead. But when it comes to interpreting the data and comparing it with clients’ unique financial goals, human interaction is key. A good financial advisor combines both technology tools and personal relationships to give clients positive investment experiences and positive returns.

There’s a tremendous amount of interest in the 2020 election, with many by-standers chewing their nails wondering what will happen to the economic strength of our nation. Read the Executive Summary of September 23, 2020 Moody’s Analytics’ report, The Macroeconomic Consequences: Trump vs. Biden to find out where you could stand.

Transferring wealth to beneficiaries should be done with tax reduction in mind. Keep an estate intact by strategizing with gifting, insurance, buy/sell agreements, and trusts. Retain control of business assets and benefit from profits while arranging for a smooth transfer of responsibilities in estate planning.

For Q4 of 2020, businesses may defer the payroll tax from their qualifying employees’ paychecks, giving employees a 6.2% wage increase. However, repayment is due beginning in January 2021. With payroll overhauls required and the possibility of being responsible for un-repaid taxes, many business owners question whether this payroll tax deferral is worth it.

August was another confusing month, closing with the S&P 500 up 7% despite a high level of market uncertainty. Near-urgent buying was driven by an extreme position in the options market. Discover other August indicators, and what they could mean for the remainder of the year – including why we at Stableford Capital like our holdings.

Based on positive psychology, four investor profiles have been identified to answer the “why” of how people invest. Utilizing these financial personalities can help investors target their portfolio toward more personally satisfying investments. Professionals in the investment field, like those at Stableford Capital, can also use these investor profiles to craft portfolios that better serve their clients.

How are recent volatile activities – such as declines in the equity and fixed income markets, pandemics, civil unrest, politically polarized citizens, international discord – impacting market outlook? Stableford Capital’s leaders take the markets’ temperature and advise investors on what to look for.

Starting your own business is both rewarding and challenging – it also presents a unique set of challenges for financial planning. The four financial planning strategies for the self-employed to consider include setting up a retirement account, funding it, insuring your business and seeking support. At Stableford Capital, we take an integrated advisory approach and look at your entire financial situation when mapping out your financial plan.

High net worth individuals who leverage life insurance give themselves access to the cash value of the policies. You can borrow against life insurance accounts or use it to invest. You can also pass along the cash value of a permanent life insurance tax-free through gifting under $15k or irrevocable life insurance trusts.