Category: Educational
Combating Market Volatility
Financial markets are off to a challenging start this year as high inflation and rising interest rates have impacted both the stock and bond market. But at a time when news headlines and investors appear focused on the negative outcomes, we’re here to discuss some proactive moves investors can make to combat market volatility. This year’s decline in both stocks and bonds has been painful for passive investors. Year-to-date a traditional portfolio of 60% stocks and 40% bonds has declined more than 10%, which is on pace for its worst year since 2008. However, with the right professional financial advice, investors can be making proactive portfolio adjustments to better suit the current market environment. Some of these adjustments might include implementing positions that benefit from higher inflation, shifting equity exposure from previous leadership to areas of the market that are emerging as winners in this new environment, and focusing on dividend stocks and higher yielding bonds. Within equities, for over a decade, investors have been able to rely on growth areas of the stock market for leading market returns, however, now these areas such as consumer discretionary and technology are showing early signs of a possibly dimming return outlook. While those areas may be challenged, prospects for other areas of the market appear to be brightening. These include areas such as the natural resource/energy sector
Lineweaver Wealth Advisors Recognized in Crain's 2022 List
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. 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, and use us as a valued sounding board, as well as 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 with our continued commitment to providing clients with sound advice, world class customer service, and accessible resources for their current needs and future aspirations. We bel
What Causes Food Cravings?
Every person experiences cravings differently, but they are typically transient and often for processed foods that are high in sugar, salt, and unhealthful fats. CAUSES The brain regions responsible for memory, pleasure, and reward play a role in food cravings. An imbalance of hormones, such as leptin and serotonin, could also lead to food cravings. Cravings also involve the appetite centers of the brain, even though they tend to be separate from hunger. There are two types of food cravings: selective and nonselective. Selective cravings are cravings for specific foods, such as a person’s favorite chocolate bar, a particular burger from their favorite restaurant, or a bag of potato chips of a certain flavor. Nonselective hunger is the desire to eat anything. It may be the result of real hunger and hunger pangs, but it can also be a sign of thirst. Drinking water may help with intense nonselective cravings. HOW TO REDUCE CRAVINGS Reduce stress levels Drink plenty of water Get enough sleep Eat enough protein Chew gum Most people experience food cravings from time to time. These cravings can cause them to snack on unhealthful foods, which can lead to weight gain. Various methods, such as reducing stress and staying hydrated, can help people minimize their cravings. Substituting healthful foods for unhealthful ones can also help. Source: Medical News
5 Financial Resolutions for the New Year
Every year at this time, we meet new clients who want to drastically overhaul their finances and set themselves up for wealth in the new year. I’ve put together a list of 5 resolutions that I always share, and that you can put to work for yourself as well. First things first: The base of any good financial plan is insurance, because it helps you control risk. You can have the best financial plan in the world, but if something happens to you or your family, you need to be protected to keep your plan on solid footing. You’ll want to take the time to make sure all your insurance is in proper order. This includes life insurance, disability insurance, 2Fand even property and casualty. Because we specialize in working with retirees, long term care is especially important to our clients. According to the U.S. Department of Health and Human Services, 70% of people aged 65 or older are likely to need long-term care at some point. Finally, you may want to consider an umbrella policy, especially if you have rental or vacation homes. Secondly, your financial goals, both long and short term, should be driven by your personal goals – whether that’s providing for children and grandchildren, sending them to college, passing the family business to the next generation, or preparing for your own retirement and the traveling you want to do, you should think about those goals and how they compare to where you are now. I sit down with my clients and, i
Your Portfolio and Diversification
Diversification should be an important part of everyone’s strategy when it comes to investing, but it can be easy to either over or under diversify. Many people think they’re diversified, but when you dig deeper on any given portfolio, we find that’s often not the case. You want to choose a variety of assets – stocks, bonds, cash, and others – but you also want to choose ones whose returns haven’t all historically moved in the same direction, and, ideally, assets whose returns typically move in opposite directions to help your portfolio hold up better in down markets. That way, even if a portion of your portfolio is declining, the rest of your portfolio, hopefully, is growing, and you can potentially offset some of the impact of poor performance on your overall portfolio. Another important aspect of building a well-diversified portfolio is that you try to stay diversified within each type of investment. In terms of your individual stock holdings, beware of overconcentration in a single stock. We usually advise our clients that a single security shouldn’t account for more than 5% of your stock portfolio, unless it’s with the company you work for, and even then, you should limit it to 25% if you can. It’s also smart to diversify across stock holdings by market capitalization (including small, medium, and large caps), sector, and geography. Another important consideration is stock overlap or duplication between funds. M
The Benefits of Active Management
Active management is not about timing the market – it is about smart investing, diversification, and taking advantage of macro trends in the marketplace. Remember, time in the market always beats timing the market. Keeping your portfolio tilted to any one asset class year after year makes it difficult for you to capitalize on emerging trends and dynamic markets. One important idea behind active management is the idea of active rebalancing. For example, if your financial goals rely on a mix of 60% stocks and 40% bonds, over time, this balance can change as the markets fluctuate. Rebalancing is regularly resetting your portfolio to target allocations. While it’s important to rebalance at regular intervals, it’s also important to rebalance at times like these when market volatility is extreme. Not only does this provide some much-needed stability in your portfolio, but it also allows you to take advantage of opportunities as they arise. It’s also important from a tax standpoint. Some firms rebalance non-IRA accounts with no regard for the tax ramifications. Even in challenging market conditions, there are always opportunities. For example, as reopening has gotten underway across the nation, we’re seeing a rotation away from Tech and into Value. Cyclical sectors like energy, financial, and industrials are leading the markets. Overweighting certain segments can help give your portfolio a competitive edge and set
Is Your Portfolio as Diversified as You Think it Is?
Diversification should be an important part of everyone’s strategy when it comes to investing, but it can be easy to either over or under diversify. Many people think they’re diversified, but when you dig deeper on any given portfolio, we find that’s often not the case. You want to choose a variety of assets – stocks, bonds, cash and others – but you also want to choose ones whose returns haven’t all historically moved in the same direction, and, ideally, assets whose returns typically move in opposite directions to help your portfolio hold up better in down markets. Another important aspect of building a well-diversified portfolio is that you try to stay diversified within each type of investment. It’s also smart to diversify across stock holdings by market capitalization (including small, medium, and large caps), sector, and geography. Something else to consider is stock overlap or duplication between funds. Many people select what they think are very different funds, when in fact they may not be. For example, if you hold several funds, they may be diversified on their own. But if you were dig a bit deeper on them of these, you might notice that many of the top holdings of the different funds are the same, meaning that you’re not nearly as diversified as you had though. Another key issue to maintain diversification is rebalancin
Superfoods: Fad or Fact?
What are superfoods? Currently, there is no set scientific definition for what counts as a superfood trusted source. Generally speaking, the term describes foods rich in nutrients and known to offer significant health benefits. Superfood products are ubiquitous in the wellness world. For example, typing superfood into a well-known e-commerce search engine offers page after page of products branded as superfoods, including coffee creamers, green tea powders, dried fruits, and supplements, some of which are prohibitively expensive. Many health experts are wary of the term superfood and for good reason. There is no set definition of the word and no regulations surrounding the use of the term on packaging labels. Because of this, there is no guarantee that a product with the superfood label offers any special health benefits or contains certain nutrients. The Bottom Line Even though there is no set definition of a superfood, there is no denying the health benefits of some foods labeled as superfoods, such as berries, citrus fruits, cruciferous vegetables, garlic, and green tea. While incorporating foods that are considered superfoods into the diet is likely to benefit overall health, it’s important to focus more on the overall quality of the diet rather than on specific foods. Consuming a nutritious, balanced diet that is especially rich in vegetables and fruits, no matter if they carry the superfood label or not, is one of the best ways to promote health and redu
Fed Catches Up With Restart Reality
The Fed has now made a meaningful upgrade to its inflation outlook by embracing a more pronounced overshoot of its 2% target. We view this upgrade as the Fed catching up with the restart dynamics. While the upgrade largely reflects the incoming data since the last meeting, there is a notable change: The Fed now sees the ongoing inflation surge as contributing to achieving its objective as opposed to focusing on its transitory nature. The Fed surprised markets by embracing higher inflation and heralding a lift-off from zero rates in 2023, rather than 2024. We think this could add to its new framework's credibility as long as last week's fall in inflation expectations does not persist. 01 FED'S OUTLOOK SHIFT Fed officials embraced higher 2021 inflation as contributing to their medium-term policy objective, opening the door to a 2023 lift-off. 02 CONSISTENT WITH NEW FRAMEWORK We see this shift as consistent with the Fed's new framework, implying a much more muted response to inflation and supporting risk assets. 03 DATA WATCH Global purchasing managers' index (PMI) and other sentiment data this week will help investors gauge the status of the economic restart. THE BOTTOM LINE Our bottom line: We believe the Fed's new outlook will not translate into significantly higher policy rates any time soon. This, combined with the powerful restart, underpins our pro-risk stance. Large cash balances held by investors and no obvious signs of financial vulnera
Madison Yuzwa Crowned Miss Ohios Outstanding Teen
On Tuesday, June 15th, Madison Yuzwa, the granddaughter of Lineweaver Financial client Ann Yuzwa (both pictured) was crowned Miss Ohio's Outstanding Teen at the Renaissance Theater in Mansfield, Ohio. Madison also won the talent segment of the competition with her high energy, power tumbling routine. She has been dreaming and working toward this experience since the age of 9 when she took the stage as a Miss Ohio Princess. Madison will move on to compete nationally representing the state of Ohio at Miss America's Outstanding Teen July 28-30th in Universal, Orlando, Florida. Her social initiative includes promoting confidence in youth and teens through her platform; F.I.T. to be Confident. Using specific guidelines set by the American Heart Association, Madison incorporates exercise, nutrition, and self-acceptance to help empower young people's confidence. Madison is a recent Summa Cum Laude graduate of North Royalton High School and resident of Broadview Heights. She will be attending The Ohio State University in the fall majoring in Pharmacy through the Early Assurance to Doctorate program. You can also look for Madison cheering on the Buckeyes this coming football season as a rostered varsity
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Case studies are intended to illustrate the types of financial issues faced by actual clients. They should not be construed as a testimonial for or endorsement of Lineweaver Wealth Advisors. They do not represent the experience of any advisory client. Each client’s situation is different, and their goals may not always be achieved. Lineweaver Wealth Advisors, LLC, is not engaged in the practice of law or accounting. Tax information provided is general in nature and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Tax rules and regulations are subject to change at any time.
Crain's Cleveland Business is a print and online newspaper delivering local business news and information to Cleveland's business executives, which is published by Crain Communications Inc. The Crain's 2024 list may employ different methodology than described above for similar designations granted in other years. No clients were consulted and no fees were paid to determine the winners; the award is based on assets under management. Neither the participating candidates nor their employees pay a fee in exchange for inclusion on Crain's 2024 List. However, recipients may pay a fee to Crain, an affiliate, or an unaffiliated third party in exchange for plaques or article reprints commemorating the designation. The publication should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if the recipient is engaged, or continues to be engaged, to provide investment advisory services; and should not be construed as a current or past endorsement of the recipient by any of its clients. Lineweaver Wealth Advisors was ranked in the Top 25 of Crain’s of Cleveland’s annual list of Registered Investment Advisors. The award is based on assets under management in the years 2024. In 2023, Lineweaver Wealth Advisors was ranked in the Top 15 of Crain’s of Cleveland’s annual list of Registered Investment Advisors. The award is based on assets under management in the years 2023. In 2021 and 2022, Lineweaver Wealth Advisors was ranked in the Top 20 of Crain’s of Cleveland’s annual list of Registered Investment Advisors. The award is based on assets under management in the years 2021 and 2022 respectively.
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. Participants for the Top 100 in Finance appearance were reviewed in 2022, and recognized in March of 2023. 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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