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Maximizing the hidden tax strategy behind Net Unrealized Appreciation

Maximizing the hidden tax strategy behind Net Unrealized Appreciation

Posted By Lineweaver Financial Group
May 18, 2023 Category: Tax, Finance, 401k, Retirement

The idea of saving as much as possible during your career while making wise investments to have a comfortable retirement is nothing new for workers. But if you don’t consider a tax strategy with that plan, it can derail any retirement.  Many workers are able to get company stock either as part of their compensation or through the company’s 401(k) program and these are the stocks you want to pay attention to so you don’t lose money in taxes.  Typically, when people retire, they roll all of their 401(k) to an IRA and everything you paid for that company stock inside the 401(k) and all the appreciation through your working years will be taxed at your personal income rate when you take money out to supplement your retirement.  Instead, if you use the Net Unrealized Appreciation – or NUA – rules, you can roll the stock out of the 401(k) and pay ordinary income taxes only on the cost basis, or what you paid for the stock through the years. Then, if done correctly, you can have the appreciation of the stock taxed at the much lower capital gains rates. For most people, this could cut your tax bill almost in half. For example, let’s say that you have $300,000 of company stock in your 401(k), that you paid $100,000 for. You roll the stock out of your 401(k) to a non-IRA account. You will pay taxes on the first $100,000 at your ordinary income rate, but the additional $200,000 would be taxed at your capital gain rate, which ca

Postnuptial agreements come to Ohio

Postnuptial agreements come to Ohio

Posted By Lineweaver Financial Group
May 04, 2023 Category: Postnuptial, Prenuptial, Agreements, Nuptial, Finance

Most people have heard of a prenup – or prenuptial – agreement, but a new law in Ohio will now allow for a postnuptial agreement.  A prenuptial agreement is an agreement a couple enters into before marriage describing how their assets will be divided on divorce or death. However, once you were married, you could not amend or terminate the prenuptial agreement or enter into any agreement regarding the division of assets. Until now, all other states besides Ohio and Iowa allowed for an agreement after marriage to either amend the prenuptial agreement or have a whole new agreement describing how assets will be divided on divorce or death. But now that Senate Bill 210 has been signed into law, married couples in Ohio can go forward with a postnuptial agreement.  There are a couple of scenarios that a postnuptial agreement could lend itself to.  For example, at the beginning of a marriage, the husband and wife were about equal in finances and agreed in a prenuptial agreement that each would keep their own assets. Then they have three children and for twenty years the wife stays at home raising the family and the husband grows his business to be a very valuable asset. The wife might want some part of those assets since she lost the opportunity to grow her assets.  In that case, a postnuptial agreement could provide that she shares in some of the growth of the husband’s assets. In another scenario, let’s say parents want to give a

Jim Lineweaver, CFP®, AIF®, featured in Top 100 in Finance Magazine

Jim Lineweaver, CFP®, AIF®, featured in Top 100 in Finance Magazine

Posted By Lineweaver Financial Group
April 20, 2023 Category: General

We are humbled and excited to share that Founder and President of Lineweaver Financial Group, Inc., Jim Lineweaver, CFP®, AIF®, was recently featured in the Top 100 in Finance Magazine, entering him into a class of some of the most accomplished and esteemed professionals in the financial industry. While this is a great milestone, we know that there are really two reasons for it: a great staff and client trust. Our talented staff works hard and goes the extra mile for clients, and in turn, clients trust us, use us as a valued sounding board, and introduce us to their families and friends. To us, there is no higher recognition. We also believe in personal service. We know how frustrated people are with phone trees and digital assistants where they have to answer questions and are often transferred and re-routed. We live in a fast-paced world that requires cutting-edge technology and the latest market analysis to make smart, informed decisions for all our clients. But, when it comes to service, we believe in a personal touch. You’ll always speak with a person, and we pride ourselves on getting you answers to your questions in 24 hours or less. For 30 years, our team of qualified, experienced, and credentialed professionals has provided our private and corporate clients with a plethora of options for their financial needs. Our success lies in our continued commitment to providing clients with sound advice, world-class customer service, and accessible resou

Update on the Current State of the Banking Industry

Update on the Current State of the Banking Industry

Posted By Lineweaver Financial Team
March 30, 2023 Category: Banks

In March, several large U.S. banks with exposure to cryptocurrencies and technology start-ups collapsed, including Silvergate Bank (SI), Silicon Valley Bank (SVB) and Signature Bank of New York (SBNY). These and other banks experienced a surge in deposits from a combination of pandemic-era stimulus and the rise in cryptocurrency interest and cash inflows to technology start-ups from a hot IPO market in 2020 and 2021. For example, SVB’s deposits nearly doubled in 2021 from the prior year. Banks used these new deposits to make investments, which typically have low credit risk or risk of default, but high-interest rate risk. This includes the risk of interest rates rising, such as Treasury bonds or government-guaranteed mortgage-backed securities (MBS).  This year, reduced interest in cryptocurrencies and the limited ability for tech start-ups to raise new capital led to deposit withdrawals, meaning that some banks were forced to tap their investment portfolios. However, due to the rise in interest rates in 2022, they had to realize capital losses on investment sales in order to raise capital and meet redemptions. As these losses became public knowledge, depositors began to lose confidence in the bank, leading to an acceleration of withdrawals, which quickly spiraled into a classic “bank run” at Silvergate, Silicon Valley Bank and Signature Bank of New York. What made these three banks somewhat unique – and particularly vulnerable – was the

Are you taking steps to protect your finances against cyber criminals?

Are you taking steps to protect your finances against cyber criminals

Posted By Lineweaver Financial Group
March 09, 2023 Category: Cyber, Security, Finances, Spam, Email

Nearly all of us have been victims of cybercrime – or know someone who was – and the result can take a huge financial toll. In 2020 alone, people age 60 and over reported losses exceeding $966 million1. Cybercriminals are more likely to prey on seniors because they are more likely to have money, they may have memory issues, and they tend to be more trusting.  For that reason, it’s imperative to be wary of links in emails from unfamiliar senders. Emails, text messages, and social media posts can all contain malicious links. Spam or malicious emails are by far the most common method attackers use to deliver malware or phishing links. Be especially wary of emails urging you to go to a website and provide personal details. If you ever feel pressured to click on a link or pay some money, step back and assess the situation.  Going one step further, you should try to avoid opening any attachments unless you know the sender and were expecting them to send something. While attachments to an email, social media post or text message may appear to be harmless, they could contain malware designed to launch an attack on your device.  These attachments can be disguised as run-of-the-mill Word documents, PDFs, e-files and voicemails. If the file appears to be from someone you know but it is unexpected, reach out to them via a different method, just as a text or voice call, to make sure they sent you something.  When it comes to passwords, the re

How to prepare to retire in a slowing economy

How to prepare to retire in a slowing economy

Posted By Lineweaver Financial Group
February 16, 2023 Category: Retirement, Economy, Bonds

With a slumping stock market and a slowing economy, early retirees and people looking to retire in the near future need to make intelligent decisions to avoid jeopardizing a successful retirement. Here are a few actions our trusted financial planners recommend to help make the transition into retirement as seamless as possible.  The first thing a retiree should do is examine their spending history to help build a budget. They can do this by adding up all of their annual spendings over the last three years to look at macro trends in spending patterns. Once that’s determined, they’ll want to make investments that can support that budget.  Another way retirees can prepare for retirement income is to create a bond ladder. We’re able to help retirees invest their money while bond yields are back up and high-quality corporate rates reach as high as 4.75%1. High-quality bonds held to maturity can also provide a household with a steady income for the next few years. And there are a lot of different types of bonds – corporate bonds, municipal bonds, and even United States Treasuries – each with their own benefit. For example, one of the advantages of municipal bonds is the tax status since they are exempted from federal, state, and local taxes, which helps minimize taxes during retirement. Another strategy that could be helpful during retirement is to take action to stay ahead of inflation. One way to do that is with dividend-producing sto

Look back 2022 ­— Look ahead 2023

Look back 2022 ­— Look ahead 2023

Posted By Lineweaver Financial Group
January 25, 2023 Category: Finance, Markets, Bonds

COMMENTARY BY JERRY HERMAN, CFA® As we sit in the darkest days of the solar year, we are encouraged to know that the days ahead will have more light – the days will be brighter. And for the financial markets we are optimistic that this will be true in the figurative sense as well. 2022 was a year of recognition and reality - recognition that the stimulus endeavors of prior periods needed to be unwound and the reality that the process could be painful. 2023 offers opportunities and optimism - opportunities being presented in sectors and asset classes that we haven’t seen for some time and the optimism that the Fed will get it right and avoid a deep recession, and global and domestic political and social tension will ease.   In 2022, the forces of pandemic-induced supply chain disruptions, exceptionally high consumer demand for goods such as housing, autos, and appliances, and services like travel and entertainment, combined with an energy shock brought on by the Russia-Ukraine conflict, drove inflation to its highest level in four decades! In June, the inflation rate hit 9.1% and averaged just over 7% for the year, more than double the historical average of about 3%. To combat inflation, the Fed increased interest rates seven times during the year to 4.25-4.5%, levels not seen since 2008.  The year was difficult for investors. Facing the headwinds of rising interest rates, a very tight labor market, and capacity and supply constraints in ma

Financial resolutions to maintain throughout the new year

Financial resolutions to maintain throughout the new year

Posted By Lineweaver Financial Group
January 25, 2023 Category: Resolutions, Finance, Goals, Coordination

By Jim Lineweaver, CFP®, AIF® President and Founder It might not be so shocking to learn that many of us don’t stick to our New Year’s resolutions. In fact, according to a study conducted by the University of Scranton in Pennsylvania, only 8% of people achieved their New Year’s resolutions in 2021.  One problem that typically arises is that we set aspirational goals for ourselves instead of ones based on the reality of integrating them into our everyday activities. This can set us up for failure and create self-doubt in our abilities. Here’s a list of attainable resolutions I’ve put together to give you the confidence needed to stay true to your financial goals throughout the new year.  The first resolution that will help set a solid foundation to your financial plan is to set aside time to look at your insurance plans. You’ll want to make sure all your insurance is in proper order including life insurance, disability insurance and even property and casualty. Because we specialize in working with retirees, long-term care is of top priority to our clients. And if you have rental or vacation homes, you may want to consider an umbrella policy.  Another resolution is to establish your financial goals. Both long and short financial goals should be driven by your personal goals. That could look like sending your children or grandchildren to college, passing on the family business or having a retirement plan tha

Let Us Help With Your Taxes

Let Us Help With Your Taxes

Posted By Lineweaver Financial Group
January 25, 2023 Category: Tax

Tax season is upon us. Our Lineweaver Tax Team is ready to help you with all your tax needs. Lead by Tax Planning and Preparation Specialist Mark Sipos, from left, with Tax Assistant and Administrative Support Loryn Zaffle and Tax Associate Josh Wenhold. To learn more about our services or access helpful resources

Why Your Financial Plan Needs a Second Opinion

Why Your Financial Plan Needs a Second Opinion

Posted By Lineweaver Financial Group
January 13, 2023 Category: Second Opinion, Finance, Cosultation

People often question if they’re doing all they can to protect their portfolios from losses while taking advantage of buying opportunities. To help you gain more confidence in your financial well-being, it can be beneficial to get a second opinion.  Even if you’re happy with your current plan, a second opinion can help pinpoint issues or call attention to parts that might be overlooked otherwise. Here are five reasons why it might be time to consider a second opinion.   All financial planners are different, and each offers different services and products. You need a planner who is truly independent and not forced to offer a limited selection of options to meet your goals and objectives. The advisor you want is one that can customize a solution for whatever your circumstances may be.  You’ll want to make sure your advisor is a fiduciary, which means that an advisor puts your needs and goals before their own. If you’re currently seeing an advisor that is not a fiduciary like ours, that may mean they’re not keeping your best interests in mind.  Make sure you’re working with someone with the proper credentials. Ideally, you’ll want to see a Certified Financial Planner (CFP) because they follow higher standards in terms of education and ethics. The best of both worlds would be an independent fiduciary who is a CFP. Then they’d have access to almost any strategy, product or security and have to put your inte

What changes are coming to your retirement plan?

What changes are coming to your retirement plan

Posted By Lineweaver Financial Group
January 06, 2023 Category: Retirement 401k 529

After President Biden signed the omnibus spending package into law, there are new retirement rules coming down the pipeline that could make it easier to build up retirement savings – and less costly to withdraw them. Among other items, the Secure 2.0 Act will do the following: Requiring automatic 401(k) enrollment: Employers would be required to automatically enroll employees in their 401(k) plan at a rate of at least 3% but not more than 10%. Businesses with 10 or fewer workers and new companies in business for less than three years are among those that would be excluded from the mandate.   Increasing the age when RMDs would need to start: The current bill would increase the age to start your required minimum distributions from age 72 to age 73 in 2023 and then to age 75 in 2033. Additionally, the penalty for failing to take RMDs would be reduced to 25%, and 10% in some cases from the current 50%.   Creating bigger “catch-up” contributions for older retirement savers: Under current law, you can put an extra $6,500 annually in your 401(k) once you reach age 50. Secure 2.0 would increase the limit to $10,000, or 50% more than the regular catch-up amount, starting in 2025 for savers ages 60 to 63. Catch-up amounts also would be indexed for inflation. Additionally, all catch-up contributions will be subject to Roth treatment – meaning contributions are made with after-tax funds – except for workers who earn $145,000 or

Is market volatility taking a bite from your savings?

Is market volatility taking a bite from your savings

Posted By Lineweaver Financial Group
December 16, 2022 Category: General

In a year with down markets, constant volatility and rising interest rates, investing in CDs or bonds could prove an efficient way to get your money working harder for you. They may have a smaller return compared to historic returns from the S & P 500, but the reduced risk could be an improvement on a negative return or no return at all. Currently, there are CDs that are paying around the 4.5% range, and bonds that may pay up to 5%. And the Fed is continuing to raise rates. CDs are usually considered fixed instruments, so rising rates won’t affect those that you hold now. However, by staggering your purchases and building a CD ladder, which will let us keep layering in new CDs at increasing rates, you may benefit from rising interest rates. When considering a CD purchase, one important consideration is the term. Different interest rates will be offered for different durations. CDs also have the advantage of being FDIC-insured up to $250,000.  Another option you have to help your portfolio through market volatility is purchasing bonds. While they don’t have the insurance CDs have, they may pay a slightly better return to help compensate you for some additional risk. There are a variety of bonds like corporate bonds, municipal bonds and even United State Treasuries. With bonds, you should consider the duration, quality and tax status. Different maturities will have different outcomes. For example, one advantage of municipal bonds is the tax st

How should you prepare for retirement?

How should you prepare for retirement

Posted By Lineweaver Financial Group
November 03, 2022 Category: Retirement, Certified Financial Planner, Finance

A question that comes around often is not only how much you should save for retirement, but how much you should spend in retirement. When it comes to talking about how much to save, many times the rule of thumb is 10-15%. However, that assumes that you have saved that same amount for your entire career, and many of us haven’t.  Instead of just assuming a single savings rate, many financial advisors will suggest that you start by working backward. That means deciding when you want to retire and how much you’ll spend each year in retirement.  Once you set those targets, you can work backward to get the number you’ll need and then divide that by your remaining years and figure in market return. This will help you figure out how much you need to save. While this is a valid strategy many advisors use, an issue that arises here is that situations change. If you do this in your 20s, 30s or 50s, your priorities can be completely different when you’re in your 60s. Working backward can work, but you may want to check that the plan you made 20 or 30 years ago will still appeal to you when it comes to the time of retirement.  When it comes to figuring out how much to spend in retirement, many investors and advisors use the 4% rule, which says you can take about 4% of your portfolio in distributions every year. But as we’ve seen this year, inflation doesn’t always cooperate. If you don’t have strategies in your portfolio

Lineweaver Financial Group completes CEFEX certification for retirement planning

Lineweaver Financial Group completes CEFEX certification for retirement planning

Posted By Lineweaver Financial Group
October 24, 2022 Category: Retirement, Cefex, Certification

To demonstrate our commitment to the fiduciary responsibility we have when it comes to both personal and business financial planning, we recently completed the rigorous CEFEX certification for our retirement planning service division.  The CEFEX certification is a global fiduciary standard of excellence. It’s based on the international standard, ISO 19011: Guideline for quality management system auditing. The assessment is evidence-based, and all work is reviewed by the CEFEX Registration Committee to ensure impartiality and consistency. The assessment typically includes document review, client file sampling, on-site visits, and interviews with senior representatives at the firm. To be able to work with CEFEX means we’ve completed rigorous training and have been able to audit and provide feedback on our systems.  The CEFEX analyst we worked with holds not only the Accredited Fiduciary Credential, but also the Fiduciary Analyst Credential and a Qualified 401(k) Administrator designation. The point of holding these advanced credentials and training is to help provide fiduciary guidance, best practices, and overall accountability to firms like ours. Going forward, these best practices will be verified by annual audits and are intended to ensure that those who hold the certification place clients’ interests first, and this will continue to build trust with clients, along with fostering a culture of continuous improvement. This is an important

Lineweaver Financial Markets Update

Lineweaver Financial Markets Update

Posted By Lineweaver Financial Group
October 03, 2022 Category: Market Update, Finance, Newsletter

Following the conclusion of its September meeting, The Federal Reserve (Fed) announced another “jumbo” interest rate hike of 0.75% and communicated that further interest rate increases will likely be appropriate in the coming months. The Federal Open Market Committee now projects its target interest rate to be raised an additional 1.00% to 1.25% by the end of 2022. Following this announcement stock markets declined, resulting in the S&P 500 index re-entering bear market territory (more than 20% below its January high). In August’s inflation report, the Consumer Price Index rose 8.3% from a year ago, suggesting that inflation may prove higher and longer lasting than many previously believed. In response, Federal Reserve chairman Jay Powell reiterated that the Fed intends to continue raising interest rates, rather than prematurely pausing or pivoting as financial markets had hoped over the summer. From June lows to August highs, the S&P 500 index rallied nearly 19%. As you may recall, we took advantage of that run-up in equity markets to rebalance investment portfolios back in line with the asset allocation most appropriate to meet long-term investment objectives (for reference, asset allocation is the percent of a portfolio’s investments held in each major asset category, such as stocks, bonds, or other securities). We did this to manage risk as we entered what we felt may be a volatile fall. Thus far, stock declines have occurred while corpor

Tuition and Student Loan Payments

Tuition and Student Loan Payments

Posted By Lineweaver Financial Group
October 03, 2022 Category: Finance, Commentary, Newsletter, School Tuition

Anticipation is swirling around the pending student loan forgiveness plan announced by the Biden Administration in late August.   The plan can cancel up to $10,000 in debt for eligible student loan borrowers who didn’t receive a Pell Grant. If a borrower is a Pell Grant recipient, they will be eligible for up to $20,000. To be eligible, you must be a student loan borrower with a federal student loan and earned up to $125,000 of annual income (or $250,000 as a joint filer) during the COVID-19 pandemic.     Here’s where the plan is so far: An exact date for applying for loan forgiveness has not been set, but the U.S. Department of Education says to expect it by early October. The initial form will be available online, with a paper version available later.  The payment pause has been extended through the end of 2022, and another pause will not be coming. Interest will begin accruing again on January 1, 2023, and regular payments will resume. To receive loan forgiveness before the payment pause ends, the Department of Education recommends applying for relief before November 15. Loan servicers will send a notification when relief has been applied to an account. Borrowers should see forgiveness applied to their loan balances within four to six weeks after submission of the application. Note that borrowers with FFEL or Perkins loans not held by the Department of Education may not be able to obtain debt relief due to new guidance issued by the Depart

Original Lyrics by John Jaros Performed During National Police Week

Original Lyrics by John Jaros Performed During National Police Week

Posted By Lineweaver Financial Group
October 03, 2022 Category: Newsletter, Spotlight, Clients

From left, Michael Rae, Andy DiLiello and John Jaros Lineweaver Financial client John Jaros has potentially found his second act as a lyricist. While on the way home from an annual police memorial commemoration, the retired Mentor police captain was listening to Leonard Cohen’s “Hallelujah” when he started coming up with his own lyrics. John was able to compose five verses, with each verse representing different people involved with a fallen officer.  Being encouraged by friends to build on the idea more, John partnered with retired Federal Agent Michael Rae and musician Andy DiLiello to create a tribute titled “Hallelujah, The Thin Blue Line.” Andy recorded the song and Michael worked his connections to send the lyrics to coordinators of this year’s National Police Week, which was held May 11 to 17 in Washington, D.C.  The coordinators loved the trio’s rendition and asked if it could be performed at some point during the commemoration.    Then on May 13, while a crowd of 10,000 people gathered at the National Mall, Andy opened the National Law Enforcement Officers Memorial 34th Annual Candlelight Vigil with their creation, bringing John’s lyrics to

Behind the scenes at LFG

Behind the scenes at LFG

Posted By Lineweaver Financial Group
October 03, 2022 Category: Newsletter, Spotlight, Employee

LFG Investment Research and Client Service Team Member Dylan Casler poses with the foul ball he caught during a recent company outing to a Cleveland Guardians game against the Los Angeles Angels.   LFG employees participated in a friendly axe-throwing competition, where Travis Dragan, CFA®, FRM, CMT, Portfolio Manager, was deemed the “Lumber Lord” after earning the highest score and was presented an accompanying

Coordinating Your Business Financial Professionals

Coordinating Your Business Financial Professionals

Posted By Lineweaver Financial Group
September 29, 2022 Category: Business Coordination, Financial Professionals, Financial Services

It’s vital for a person to coordinate all their financial, tax, legal, and insurance needs and professionals – and the same is true for any business.  At Lineweaver Financial Group and LFG Tax, we help clients with, payroll, tax issues, bookkeeping, tax planning, and everything a business needs to do to make sure they’re being compliant and withholding and paying their employees and associated taxes. And with some clients, we can use the ADP platform as a way to help scale our effectiveness.  For example, we can use ADP’s systems and software to offer additional services to clients, like HR services and human capital solutions, benefits administration, and even pre-employment services, which helps us scale to a company’s needs and helps us to be effective at a company of 1 or 1,000.  These services can save real time and money for businesses. According to PR Newswire, companies often spend several days of work each month and thousands in administration expenses, depending on the company’s size. In addition to those services offered through LFG tax and our relationships with companies like ADP, we offer 401k and retirement planning services that can be coordinated with your payroll provider.  Having the right retirement plan is more important than ever. In the challenging labor market we’ve seen over the last year, a properly customized retirement plan and the other benefits your company offers can help you recr

Lineweaver Wealth Advisors Excited To Be Part of Crain's Top Advisors Again

Lineweaver Wealth Advisors Excited To Be Part of Crains Top Advisors Again

Posted By Lineweaver Financial Quarterback
July 08, 2022 Category: Commentary, Newsletter, Finance, Crain's

We are humbled and excited to share that we have been ranked in the top 20 of Crain’s Cleveland’s annual list of Registered Investment Advisors based on assets under management for the second year in a row. We were especially excited to move up on the list, after ranking in the top 25 in 2019 and 2020. While this is a great milestone and accomplishment for us, we know that there are really two reasons for it: a great staff, and client trust. Our staff work hard and go the extra mile for clients, and in turn clients trust us, use us as a valued sounding board, and introduce us to their family and friends. To us, there is no higher recognition. We also believe in personal service. We know how frustrated people are with phone trees and digital assistants where they have to answer questions and are often transferred and re-routed. We live in a fast-paced world that requires cutting-edge technology and the latest market analysis to make smart, informed decisions for all our clients. But, when it comes to service, we believe in a personal touch. You’ll always speak with a person, and we pride ourselves on getting you answers to your questions in 24 hours or less. For nearly 30 years, our team of qualified, experienced, and credentialed professionals has provided our private and corporate clients with a plethora of options for their financial needs. Our success lies in our continued commitment to providing clients with sound advice, world-class customer se

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Nominees in the Top 100 Magazine selections are not required to pay a fee for consideration. Individuals appearing in half and full page editorials, have paid a fee for additional exposure. Candidates for consideration are selected utilizing proprietary software. Top 100 Magazine analyzes the results before making their final selections. Financial Professionals and/or wealth managers must also met the following criteria; 1. Be registered with the SEC as a registered investment advisor or a registered investment advisor representative; 2. Have no more than 1 filed complaint with a regulatory agency; 3.Never been convicted of a felony. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the Financial Professional by any client nor are they representative of any one client's evaluation. Lineweaver Financial Group appeared in Money magazine in 2015, Fortune Magazine in 2016, WTAM 1100 in 2018, Forbes in 2020, Channel 5 in 2020, and Top 100 in Finance in 2023.

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