Author: Lineweaver Financial Group
Why Long-Term Investing Pays Off During Market Volatility
By Chad Roope, CFA ®, Chief Investment Officer In times of economic uncertainty, it’s easy for investors to feel uneasy. Whether it’s inflation concerns, political events, or market downturns making headlines, short-term volatility can be unsettling. However, long-term investing strategies have consistently proven to be one of the most effective ways to build wealth and stay on track toward financial goals. Instead of reacting emotionally to market noise, long-term investors benefit from taking a step back and focusing on the bigger picture. Here’s why that mindset can make all the difference. The Stock Market Has Recovered from Every Major Crisis Over the last several decades, the U.S. stock market has faced recessions, geopolitical tensions, inflation spikes, and global pandemics. Despite it all, the market has continued to grow. Investors who stayed committed to their long-term investment strategy have historically been rewarded for their patience. This resilience, explained in the graph below, shows the importance of avoiding knee-jerk reactions and maintaining a diversified portfolio built for the long haul. Timing the Market Can Hurt Long-Term Returns Many investors try to avoid losses by pulling out of the market during downturns. But trying to time the market—even with the best intentions—often results in missed opportunities. Some of the strongest market gains have occurred during periods of high volatility. Missing ev
WATCH: Lineweaver Wealth Advisors Tariffs Market Commentary for April 3, 2025
Join Chad Roope, CFA®, Chief Investment Officer for Lineweaver Wealth Advisors for an important look into the tariffs announced by the Trump Administration on April 2
Changes approaching with TCJA sunsetting
By Mark Sipos, Director of LFG Tax Services The Tax Cuts and Jobs Act (TCJA) of 2017 is the signature tax legislation from Trump’s first term in office, and it cut income tax rates for many taxpayers. Some provisions — including the majority affecting individuals — are slated to expire at the end of 2025. The nonpartisan Congressional Budget Office estimates that extending the temporary TCJA provisions would cost $4.6 trillion over 10 years. For context, the federal debt currently rings in at more than $35 trillion, and the budget deficit is $711 billion. Below is an overview of anticipated changes for both businesses and individuals: Business Reduce the current 21% corporate tax rate to 20% or 15%, with the goal of generating growth. Eliminate the 15% corporate alternative minimum tax imposed by the Inflation Reduction Act (IRA). Individuals Eliminate the estate tax (which currently applies only to estates worth more than $13.99 million). Repeal or raise the $10,000 cap on the deduction for state and local taxes. Create a deduction for auto loan interest. Eliminate income taxes on tips, overtime and Social Security benefits. Possible Offsets The House GOP document outlines numerous possibilities beyond just spending reductions to pay for these tax cuts. These include: Tariffs There is a proposed 10% across-the-board import tariff. President Trump, however, has discussed and imposed various tariff amounts, depending on t
Actively Managed Portfolios at Lineweaver
By Chad Roope, CFA®, Chief Investment Officer We recognize that the market is currently experiencing turbulence and volatility not seen in several years. Given the strong returns we experienced in 2023 and 2024, the instability of the last week feels particularly unsettling for most of us. Given this volatility, we’ve made recent trades and rebalanced our clients’ portfolios. Despite the current uncertainty, we anticipate that 2025 will be a reasonably good year for stocks. Our belief is that we will finish the year with returns in the mid- to upper-single digits. Over the course of the year, however, we expect the markets to be much more volatile than what we have experienced over the past few years. Our belief that the economy is still fundamentally strong has three supporting points. The first is earnings, which are growing at a strong rate. In addition to good earnings, we're beginning to see the market broaden beyond just a few top tech stocks. Many other stocks are also trending higher as we enter 2025. Finally, while there’s a great deal of uncertainty in terms of policy, tariffs, trade deals, and other changes in Washington, we also think that these changes – and the volatility that comes with them – are creating opportunity. Within our clients’ investment accounts, we've recently rebalanced our strategies. Some of the things that did so well last year were slightly above our target weights, leadi
Be Aware of Tax Fraud Schemes During Filing Season
By Mark Sipos, LFG Tax Director Tax season is here, and with it are scammers looking for their next victim. Scammers mislead you about tax refunds, credits, and payments, so it’s important to be aware of what their scams can look like. Common schemes Scammers are always changing their tactics in hopes of exploiting you. There are a flurry of deceptive schemes that pop up and this year will be no different. Recently, the IRS has seen scammers do the following: Request gift cards over the phone through a government impersonation scam or by sending a text message, email or social media message. Remember, the IRS never asks for or accepts gift cards as payment for a tax bill. Pose as an IRS agent and call the taxpayer or leave a pre-recorded voicemail stating they are linked to some criminal activity. Threaten or harass the taxpayer by telling them that they must pay a fictitious tax penalty. Instruct the taxpayer to buy gift cards from various stores. Pressure the taxpayer to buy gift cards, then ask the taxpayer to provide the gift card number and PIN. To verify it’s the IRS, go to IRS.gov and verify the form or visit the Let Us Help You page to verify tax information with self-service options. Know who’s calling If the IRS does need to contact you, they will typically contact you the first time through regular U.S. mail delivered by the USPS. The IRS doesn't initiate contact with taxpayers by email, text messages, or social media channels
Market Commentary - Tariff Talk
By Chad Roope, CFA ®, Chief Investment Officer U.S. tariffs set to be imposed on imports from Canada, China, and Mexico – ranging from 10% to 25% – and suggestions of forthcoming tariffs on the European Union mark a sharp escalation in trade protectionism. This shows that tariffs will be a key policy tool for the new U.S. administration, as telegraphed during the presidential campaign. The effective rate of U.S. tariffs will be close to 1930s levels if fully implemented. The 10% tariffs could be the new baseline for the U.S. to earn tax revenue, while 25% may prove to be used more as leverage in negotiations – as seen in the decision to delay tariffs on Mexico for a month. But uncertainty is high. What’s key for markets is how long 25% tariffs last: the longer they hold, the more permanent the supply chain shifts. Legal challenges could delay implementation and add to market volatility. How countries retaliate is also important – and could draw further U.S. escalation. These actions – and their ripple effects – could dent corporate and investor confidence. The broader economic implications could be more significant than the direct effects. Prolonged tariffs, as proposed, could hurt growth and add to inflation. We already thought loose fiscal policy and supply constraints – like an aging workforce – would keep inflation above the Federal Reserve’s 2% target. That leaves the Fed limited flexibility if gr
‘Don’t scan that QR code!’ Police warn about brushing scam
Have you heard of package scams that come right to your door? West Carrollton Police issued a scam warning on social media. They say a “sneak scam” is making the rounds across the country. “It’s called a ‘brushing’ scam, and it’s like getting an unsolicited surprise gift from your not-so-friendly neighborhood trickster!” the department said. “Picture this: you get a random package from Amazon or some mystery shop, filled with shiny goodies like rings, bracelets, or even a Bluetooth speaker. Exciting, right? But wait, there’s no sender info, just your address on the label. Inside, you’ll find a QR code begging to be scanned to unveil the mystery sender.” Scanning the code could lead people to a phishing site. This is where crooks could try to swipe your personal and financial information, the department explained. “You can toss the gift or keep it as a bizarre conversation starter, but whatever you do, don’t scan that QR code!” they added. The concluded if it is a mysterious package, it’s best to leave that QR code alone. The Better Business Bureau and U.S. Postal Service have more about this scam. This story first appeared on
2024 Review and 2025 Outlook
By Chad Roope, CFA®, Chief Investment Officer 2024 was a great year for the U.S. economy and equity markets. A strong economy, led by strong labor markets and significant investments in Artificial Intelligence, equated to double digit corporate earnings growth and thereby strong equity market performance. The U.S. was the clear economic leader globally and was why we had a strong overweight to quality, U.S. large-cap stocks all year. This overweight and our focus on active asset allocation, fundamental research and timely trade communications led to solid performance in our client portfolios in 2024, with most of our strategies strongly outperforming their benchmarks. Our proven process and seasoned team of Chartered Financial Analysts stand ready to navigate what is likely to be a dynamic environment in 2025. We think 2025 may prove to be a more volatile year given several uncertainties and rich starting valuation levels, but we think the year should prove to be a solid overall. Below are our key views: We expect U.S. outperformance compared to the rest of the world to continue amid solid economic growth, strong labor markets, lower inflation levels, a supportive Federal Reserve, and the potential for tax cuts and deregulatory policies. We continue to prefer large-cap, high quality U.S. equities as we think this is where the strongest overall earnings growth will continue to be. In fixed income, we are prioritizing higher income, shorter duration exposures t
Preparing for Tax Season
By Mark Sipos, LFG Tax Services With the Holiday season behind us, it is time to start thinking about the 2025 tax filing season. Most documents that you will need to compile and file your 2024 tax return will be arriving in your mailbox soon. Before you begin working on your personal income tax return, it’s a good idea to collect and organize your tax documents and related records. The tax preparation checklist included below will help you keep track of the information you will need. While this is not a complete list of items that may be required for your tax return, it will cover the documents and other information needed by most people to file their federal income tax return. Personal Information: Social Security numbers for you, your spouse, and any dependents. Dates of birth for you, your spouse, and any dependents. Bank account routing and account numbers for direct deposits or tax payments. Driver's license for e-filing. Taxes you may have paid: 2024 estimated taxes for federal state, and local tax agencies. Taxes paid in 2024 for amounts due for 2023 tax returns. Real estate taxes. Sales tax paid for large items purchased. Income: W-2s, 1099s for interest and dividends, brokerage year-end tax summaries for investments. 1099Rs for pension and IRA income. Business and rental income received. Gather all related expenses for these types of income as well. K-1's from S-Corporations and Partnerships. State and local
Financial Planning for Separation and Divorce
Divorce is a complex journey that requires thoughtful attention to legal, financial, and tax aspects, helping to shape a future aligned with your personal aspirations. Here are some essential factors to keep in mind: Prenuptial and postnuptial agreements Prenuptial and postnuptial agreements play a crucial role in shaping the rights and responsibilities of spouses during a divorce. The prenuptial is created before the wedding, while the postnuptial comes into play afterward. They are especially valuable for couples with unique or complex assets, like collectibles or family business interests. These agreements not only help in valuing and dividing those assets fairly but also promote transparency and a sense of security for both partners as they navigate their future together. Cash flow and budgeting You’ll want to gain a clear picture of your personal and shared financial to help ease the transition. It's important to evaluate your spending, personal budget, additional costs, and income. If you foresee a shortfall, consider options such as adjusting investments, cutting expenses, or rethinking living arrangements to make transitions between homes smoother and more manageable. Tax implications During a divorce, you’ll need to consider how to split your existing assets, like in a property settlement, and any ongoing commitments to or from an ex-spouse, such as alimony or spousal support. Each is different and each may have tax implications. It's essen
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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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