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Economic Commentary - Q1 2019

By Lineweaver Financial Group
January 07, 2019 Category: Economic Commentary, 2019, Q1

Global financial markets experienced heightened volatility during the fourth quarter of 2018 as concerns surrounding higher interest rates here in the U.S., and uncertain trade and tariff relations worldwide, weighed heavily on investor sentiment. We present a few highlights from the 4Q18 below: U.S. equity markets sold off sharply during the fourth quarter in volatile and choppy trade, with large intra-day moves the norm. In this risk-off environment, the S P 500, the Dow Jones Industrial Average and the technology-heavy Nasdaq Composite traded sharply lower. On the economic front, U.S. economic data remained strong. However, there are potential international and domestic headwinds that could dampen growth, particularly uncertainty surrounding trade policy for U.S. businesses. Developed international equity markets posted steep declines in tandem with those here in the U.S. Financial markets in the Eurozone generally lagged those in the Pacific ex-Japan region as Brexit worries persisted.

HealthWatch: Healthy Cooking Habits

By Lineweaver Financial Group
January 07, 2019 Category: Healthwatch, Healthy, Cooking, Tips

3 Easy Tips for Healthier Cooking When it comes to healthy cooking, a lot of focus goes into choosing good ingredients loaded with the nutrients you and your family need. But the truth is, the way you prepare food can be just as important as what you buy. Certain cooking techniques will help maximize your foods nutrition, while others will minimize the intake of less healthy elements like added sodium and unhealthy fats. Here are three simple ways you can easily adjust your cooking for a healthier lifestyle! 1. Treat Your Vegetables Right Boiling and overcooking certain vegetables robs them of vitamins, minerals, and antioxidants. By steaming them instead, you will preserve more nutrients in vegetables than boiling, stir-frying, or even blanching. For canned vegetables, you can lower their sodium content by up to 40% by rinsing them in water. However, rinsing can also remove some of the Vitamin C from some canned vegetables. Using no- or low-sodium canned foods is an even easier way to

Letter From the President Q1 2019

By Lineweaver Financial Group
January 07, 2019 Category: Letter From The President, Jim Lineweaver, New Years Resolutions

5 Financial Resolutions to Make in the New Year Most major new years resolutions are pretty common, and often many of them are financial. 1. First things frst--the base of any good financial plan is insurance. You want to make sure all your insurance policies are in proper order. This includes life insurance, disability insurance, long-term care insurance (if you are retired), making sure your property and casualty limits are appropriate, and even an umbrella policy especially if you have kids or young drivers in the house. 2. The second is to pay yourself first. We generally recommend saving 15-20% of your gross income. First make sure some of this goes into an emergency reserve for you, which is usually 3-6 months of your after-tax income. Then try and maximize your pre-tax or ROTH contributions to get money tax deferred or tax free for retirement. 3. Number three is to ask yourself - are your financial goals on track? This can range from funding your kids education to buying that

Market Outlook 2019

By Lineweaver Financial Group
January 07, 2019 Category: Market Outlook, 2019, Market, Financial Goals

By Chad Roope CFA, Lead Portfolio Manager - Fundamentum The recent equity market correction has no doubt been uncomfortable. As of the end of year close, the SP 500 ended the year to date down 6.24%. Concerns about slowing global economic growth, worries that the Federal Reserve is pushing interest rates too far too quickly, fears around the US/China trade war and uncertainties about a US Government shut down have all combined to create downside volatility that weve not experienced in a few years. While we agree this is all concerning and that we are likely to continue to see more volatility in the shorter-run, we do not see an economic recession in 2019 based on the data we see today. US corporate earnings growth is likely to be reasonably strong in the first half of 2019, manufacturing data remains in expansionary readings in the US, US unemployment continues to be at historically low levels, and consumer confidence remains relatively high as well. Those are all good signs as well

The Importance of Diversification

By Lineweaver Financial Group
December 27, 2018 Category: Diversification, Portfolio, Investments, Stocks, Bonds

Many people think their investments are diversified, but when you dig deeper on any given portfolio, we find thats often not the case. In order to diversify your portfolio, you want to choose a variety of assets stocks, bonds, cash and others but you also want to choose ones whose returns havent all historically moved in the same direction, and, ideally, assets whose returns typically move in opposite directions to hold up 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. For example, in terms of your individual stock holdings, beware of overconcentration in a single stock. We usually advise our clients that a single security shouldnt account for

Are You Staying Financially Healthy This Holiday Season?

By Lineweaver Financial Group
November 29, 2018 Category: Financial Health, Holiday Planning, Financial Planning

As wonderful as they can be, the holidays are usually pretty stressful. Between juggling your usual responsibilities, attending holiday parties, spending time with family and friends, and braving the crowds to shop or go out, there is never enough time or money. Here are a few tips we think are worth sharing to help ease your stress and get the most out of your time and money this holiday season. 1. Make a budget:Our recommendation for most families is that they dont spend more than 1% of their annual household income on the holidays. So, if you have a combined income of $200,000, you would have $2,000 to spend. 2. Make a list: By making a gift list and thinking about how much to spend on each person, youll have a better idea of what your budget should be. Although its easy to overlook the small costs, those are the ones that can add up quickly. Remember that this budget should also include things like cards, postage, dcor, wrapping paper and bows, food, parties, and even travel. 3.

Does Your Vacation Home Have the Right Insurance?

By Lineweaver Financial Quarterback
November 08, 2018 Category: Lineweaver, Vacation Home, Insurance

Vacation homes are often used in one of three ways: owner occupied, as a rental, or unoccupied. Many people carry either a homeowners or landlord insurance policy, both of which often have significant coverage gaps. You will want to make sure youre covered for all three situations. If you vacation home is in the path of a named-storm, such as a hurricane, its possible that your home insurance deductible will increase. Many named-storm deductible clauses work by requiring a deductible thats a certain percentage of a homes value, which can be anywhere from one to ten percent. The hurricane deductible is designed to offer lower premiums, so the first thing you can do is to put aside that savings for damages. Be aware that hurricane deductibles only take affect if the homes damage results from a storm officially named by the National Weather Service. Remember, no insurance is perfect and so it is usually a good idea to have an umbrella insurance policy. They fill in any gaps in coverage

HealthWATCH: Staying in Shape Post-Retirement

By Lineweaver Financial Group
October 15, 2018 Category: Healthwatch, Exercising

Once we retire, we tend to bask in our newfound free time, but few of us realize that we should be spending part of that time exercising. Some fitness buffs may treat retirement as a chance to double up on their favorite activities, but for the rest of us, the challenge becomes extracting the most benefit in the least amount of time. Consistency is the key, said Michele Stanten, a certified fitness instructor in Coopersburg, Penn. Some people who are gung-ho at first try to do an hour of exercise, find its too much, and stop. Its more effective going out for 10 minutes one day, then 10 minutes the next day. Build up gradually and be consistent. Stanten consults with SilverSneakers, a free fitness program for seniors that comes with qualifying Medicare plans. It includes access to participating gyms at more than 14,000 locations across the U.S., along with instructor-led yoga, dance and other fitness classes. Regardless of your goalto gain muscle mass, lose body fat, lower your cholesterol,

Q4 2018: Economic Commentary

By Lineweaver Financial Group
October 15, 2018 Category: Economic Commentary, Newsletter

Global financial markets posted mixed results during the third quarter of 2018 as investors balanced heightened trade tensions globally with strong earnings, a solid labor market and healthy economic growth here in the U.S. We present a few highlights from the 3Q18 below: Despite heightened geopolitical rhetoric, the S and P 500, the Dow Jones Industrial Average and the technology-heavy Nasdaq Composite continued to trade near record highs amid solid economic data and strong corporate earnings. On the economic front, the Federal Reserve held interest rates steady at a range of 1.75% to 2%. However, meeting minutes released from the Feds early August session indicated a rate hike was likely when the Fed meets September 25th-26th. Developed international equity markets produced mixed results during the third quarter with those in the Pacific ex-Japan region generally lagging those in Europe. On the political front, the resignation of Brexit secretary David Davis renewed fears of the potential

Q4 2018: Letter From the President

By Lineweaver Financial Group
October 15, 2018 Category: Letter From The President, James Lineweaver

2018 marks a major milestone in Lineweaver Financial Group history. When I started the company 25 years ago in 1993, my vision of improving the lives and retirements of families was just getting started. When I think back to those early days and compare it to where Lineweaver Financial Group stands today, I cant help but be proud of the hard work weve done, and the things we have accomplished. In the last few years we have opened new office locations, which has expanded our reach to areas such as Mentor, Westlake, and most recently, Akron. Meanwhile, at our headquarters in Valley View, we continue to grow as a company. We have made major changes to our website, providing easier online account access to our clients, and making our informative materials such as our blogs, articles and whitepapers more readily available. Many of you were familiar with our segment on the Golden Opportunities show which ended earlier this year. We are now featured every Sunday on Fox 8 just before the 10 AM

What the Most Sweeping Tax Law in 30 Years Means for You

By Lineweaver Financial Group
October 15, 2018 Category: Quarterly Newsletter, Trump, Tax Law

By Mark Sipos The Tax Cuts and Jobs Act of 2017 is the most sweeping change to the tax code in over 30 years. Understandingthese new tax laws and working proactively within them can save taxpayers thousands of dollars. We would like tohighlight the major changes of this new tax legislation and how it impacts individual taxpayers. President Trumps tax plan calls for maintaining the seven brackets found under the old law, however, the new lawreduces the rates 2-3% across the various bracket income levels. Its worth noting that the new tax brackets have dramatically increased the income levels within each bracket, so more of your taxable income will be taxed at lower tax rates! There are deductions to consider as well. Changes are coming for taxpayers who take the standard deduction and for those who itemize. The Trump tax plan increases the standard deduction to $12,000 (for individuals) and $24,000 (for married couples fling jointly), effectively doubling these standard deductions under

Your Retirement Income and The New Trump Tax Plan

By Lineweaver Financial Group
October 04, 2018 Category: General

As many of you know, Congress has passed a sweeping overhaul to the U.S. tax code just a few months ago, the largest change to the U.S. tax code in 30 years. The new rules do not change long-term capital gains tax rates themselves for the 2018 tax year theyre 0%, 15% and 20%, the same as for 2017. But the thresholds have changed, as you can see below: 2018 Capital Gains Tax Rates Long-term capital gains tax rate Single Married, filing jointly Head of Household Married, filing separately 0% $0 to $38,600 $0 to $77,200 $0 to $51,700 $0 to $38,600 15% $38,601 to $425,800 $77,201 to $479,000 $51,701 to $452,400 $38,601 to $239,500 20% $425,801 or more $479,001 or more $452,401 or more $239,501 or more * Short-term capital gains are taxed as ordinary income. Essentially, that means if youre married and file jointly, and you can keep your income below $77,201 you will pay nothing in capital gains. Real Estate Tax Benefits Investment

Savvy Social Security Planning

By Lineweaver Financial Group
September 06, 2018 Category: Social Security, Financial Planning, Lineweaver

Savvy Social Security Planning: What Baby Boomers Need to Know to Maximize Retirement Income What you need to know before you apply for Social Security benefits. When should someone start collecting Social Security benefits? The answer is that there is no one best age for everyone and, ultimately, it is your choice. You should make an informed decision about when to apply for benefits based on your individual and family circumstances. We dont know what the future holds, but Social Security is likely to continue as a source of some retirement income for baby boomers. From a planning perspective, any assumptions made about the impact of Social Security on retirement should be conservative. An individuals full retirement age (FRA) is the age when he or she qualifies to receive the entire or full Social Security retirement benefit based on his or her earnings history. This age varies based on when he or she was born Everyone who is qualified to receive Social Security retirement benefits

What is a Financial Quarterback, and Why Do I Need One?

By Lineweaver Financial Group
August 23, 2018 Category: Financial Quarterback, Lineweaver

In our increasingly complex financial world, its important to discuss the need to have an overall coordinated approach when it comes to financial affairs. Think of 11 players going onto the football field, and hiking the ball without taking the time to get into a huddle and have the quarterback call the play. The chances of these guys getting into the end zone are slim. Without overall coordination of your financial affairs, getting into the financial end zone may be difficult for you as well. Most people dont think of all their advisors as a team, but its important to recognize that most of us already have a financial team; we are getting financial advice from a variety of sources. Your financial team is comprised of your different insurance agents, your CPA or tax preparer, your bank, any investment advisors with whom you are working, and your estate planning attorney. Everyone has a financial team, and they all need a Financial Quarterback. Lets look at some potential pitfalls of

5 Ways to Benefit from Rising Interest Rates

By Lineweaver Financial Group
August 09, 2018 Category: Bonds, Rising Interest Rates, Finance

After the most recent interest rate increase in June, the Federal Reserve has signaled that it is likely to continue raising interest rates this year, possibly even as often as once per quarter. In fact, fear that interest rates may rise faster than previously predicted has caused some volatility in the markets. Bond investors have been concerned about this for years, but this time it looks like its going to happen. Warren Buffet said, in his latest shareholder letter, that Often, high-grade bonds in an investment portfolio increase its risk. That can be true, but then, we dont all have Warren Buffets net worth to fall back on! That may have you wondering how can I take advantage of rising interest rates? And, generally speaking, bond yields go down as interest rates increase. But remember, while bonds may decline in value, their moves tend to be smaller compared to other securities. Many investors are flooding into U.S. Treasury bonds, making the so-called flight to quality, because

Q3 2018: Economic Commentary

By Lineweaver Financial Group
July 06, 2018 Category: Q3, 2018, Economic Commentary, Market Review

Global financial markets posted mixed results during the second quarter of 2018 as investors balanced strong earnings, an improving labor market and better economic growth here in the U.S. with political turmoil in Europe and deteriorating trade relations worldwide. We present a few highlights from the 2Q18 below: Despite heightened geopolitical rhetoric, the S P 500, the Dow Jones Industrial Average, and the technology-heavy Nasdaq Composite continued to trade near record highs amid positive economic data and strong corporate earnings. On the economic front, the Federal Reserve raised interest rates by 25 basis points in June to a range of 1.75% to 2%, and upgraded their assessment of U.S. economic growth. Consequently, the FOMC now anticipates raising interest rates four times in 2018. Developed international equity markets produced mixed results during the second quarter on political turmoil in Spain and Italy, and rising trade tensions with the U.S. Gains came out of Europe, while

HealthWatch: What Are Screens Doing to Our Eyes and Our Ability to See?

By Lineweaver Financial Group
July 06, 2018 Category: Healthwatch, Screens, Eye Strain, Newsletter

In todays society, if youre not sleeping, chances are youre looking at some type of screen. Whether its a computer monitor, a television, a handheld tablet, a GPS or our smartphones, we spend 10-14 hours a day staring at a screen. Many of us are familiar with the problems this can cause, such as headaches, dry eyes, eye muscle strain, and even blurred visionbut few of us know what can be done to correct it. The easiest thing to do would be to avoid screens as much as possible. However, for those of us who use our cellphones and computers every day for work, its impossible to avoid screen-time. So what are our options? One option is to adjust the brightness on your screen. Dr. Joshua Dunaief, a professor of ophthalmology at the University of Pennsylvanias Perelman School of Medicine also recommends shifting your screens color scheme away from blue and toward the yellow end of the spectrum. While some research has linked too much blue light exposure at night to insomnia, even daytime exposure

Letter From the President: Should You Take a Summer Vacation from Your Investments?

By Lineweaver Financial Group
July 06, 2018 Category: Letter From The President, Vacation From Investments

Theres an old saying youve probably heard that gets repeated every year in the spring and early summer that goes sell in May and go away. But is that good advice? Whats the best thing for you and your investments over the historically slower summer months? The phrase sell in May and go away is thought to originate from an old English saying, sell in May and go away, and come on back on St. Legers Day. This phrase refers to a custom of upper class aristocrats, traders and financiers who would leave London to spend the summer months in the country. Specifically, it refers to the St. Legers Stakes, a thoroughbred horse race held in mid-September. It turns out that the saying is based in solid analysis - From 1950 to around 2013, the Dow Jones Industrial Average has had an average return of only 0.3% during the May to October period, compared with an average gain of 7.5 percent during the November to April period, according to Forbes. But, since 2013 theres good reason to believe thats no

Do You Want Your In-laws to Inherit Your Money?

By Lineweaver Financial Group
July 06, 2018 Category: Q3 Newsletter, In Laws, Inheritance, Trusts, Bloodline Trust, Marital Trust

By Michael L. Solomon of Solomon, Steiner and Peck Most people think their will or trust provides that on their demise, that their assets pass to their children and if their children pass away the assets pass to their grandchildren. However, that only happens if your child dies before you. Hopefully, your children outlive you. If that happens, the typical will and trust have the money pass directly to your children immediately, or by the time they are a certain age. Either way, once the child inherits the money, it is governed by your childs will or trust, not yours. That means that upon your childs death, the assets will most likely pay to your son-in-law or daughter-in-law and may pass on their death to someone else, such as a new spouse. For some people that is fine, but for others it may not be what you want. Many people want the money to stay in the family. To do that you need what we call a Bloodline Trust. For example, let us say and husband and wife have an estate of $500,000

Should You Take a Summer Vacation From Your Investments?

By Lineweaver Financial Group
June 22, 2018 Category: Investments, Advice, Summer

Theres an old saying youve probably heard that gets repeated every year in the spring and early summer that goes Sell in May and Go Away. But is that good advice? Whats the best thing for you and your investments over the historically slower summer months? The phrase sell in May and go away is thought to originate from an old English saying, Sell in May and go away, and come on back on St. Legers Day (pronounced ledger). This phrase refers to acustom of upper class aristocrats, traders and financiers who wouldleave London to spend the summer months in the country. Specifically, it refers to the St. Legers Stakes, a thoroughbred horse race held in mid-September. It turns out that the saying is based in solid analysis - From 1950 to around 2013, theDow Jones Industrial Averagehas had an average return of only0.3% during the May to October period,compared with an average gain of 7.5 percent during the November to April period, according to Forbes. But, since 2013 theres good reason to

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