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Why Estate Planning Begins in College

Why Estate Planning Begins in College

Posted By Lineweaver Financial Group
January 18, 2022 Category: Blog, Newsletter, Economy, Commentary, Finance, Portfolio

Many people think that estate planning is only for older people – but it actually starts as early as college! When most students go to college, they are adults. This means they can take out loans, manage their time and course load, and generally make decisions for themselves. While parents’ lack of access to grades and other information can be frustrating, if children have not considered their estate planning, the surprises can be far more serious. Besides being the provider of food, housing, and often transportation, parents are the “natural guardians” over minor children. This means they are their child’s legal representative and can act on behalf of their children in financial and personal matters. For example, if a minor child falls off a trampoline and breaks his arm, his parents can legally make medical decisions on behalf of the child. The same goes for financial matters. Parents can open financial accounts for their minor children, apply for life insurance, and so on. When those children turn 18, their parents’ power over them disappears. If an adult child is incapacitated in a car accident, his parent cannot by default make health care decisions for the child. The same goes for financial matters. So, what do parents and college kids need to consider to protect themselves in these scenarios? There are 2 parts to this – first, a Health Care Power of Attorney, can give his parents authority over a child’s health d

5 Financial Resolutions for the New Year

5 Financial Resolutions for the New Year

Posted By Lineweaver Financial Group
January 18, 2022 Category: Finance, Blog, Newsletter, New Year, Educational

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

Look Back 2021 - Look Ahead 2022

Look Back 2021   Look Ahead 2022

Posted By Lineweaver Financial Group
January 18, 2022 Category: Blog, Newsletter, Economy, Commentary, Finance, Portfolio

Commentary by Jerry Herman, CFA® In 2021 the world returned to some level of normalcy and featured a recovering and generally strong economy. However, we continued to face ongoing challenges from the pandemic, supply chain disruptions, the highest inflation levels in decades, and generally sustained low interest rates. Overall investors benefitted from this combination – with equities strong and fixed-income weak. Fueled by massive fiscal and monetary stimulus, a vaccine rollout and pent-up consumer demand, U.S. GDP grew an estimated 5.5% in 2021, the fastest pace in more than a quarter century.         Household finances emerged from the crisis and spending on big-ticket items surged. Unemployment declined from 6.7% at the beginning of the year to around 4% at year-end with increasing signs of labor market tightness.   The year featured high prices and inflation surprises. Through November, the consumer price index (CPI) topped 5% for seven straight months, with the November reading coming in at 6.8%, the highest in 40 years.     Supported by a strong economic recovery and very accommodative monetary policy, the S&P 500 reached 70 record highs during the year, the most since 1996. The S&P 500 returned 26.89% in 2021, which followed gains of 18.4% in 2020, and 31.5% in 2019 - only the third time since 1926 that returns were greater than 18% for three straight years. The Dow was up 18.73%, and the Nasdaq was up 21.4%.

Question: Are You Staying Financially Healthy This Holiday Season?

Question: Are You Staying Financially Healthy This Holiday Season

Posted By Lineweaver Financial Group
December 10, 2021 Category: Blog, Holiday, End Of The Year, Commentary, Finance, Economy

As wonderful as they can be, the holidays are usually 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 don’t 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, you’ll have a better idea of what your budget should be. Although it’s 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, décor, wrapping paper and bows, food, parties, and even travel.  3.       Create a spending cap for each person: This goes along with #2 - there are so many groups to buy for – family, friends, coworkers, even the mailman. We recommend creating a cap for each person – a total budget tends to quickly get out of hand when you don’t add it up until your shopping is

The Pros and Cons of Annuities

The Pros and Cons of Annuities

Posted By Lineweaver Financial Group
November 08, 2021 Category: Commentary, Finance, Portfolio, Economy, Pros And Cons

Do you have, or are you considering an annuity? Is it right for you and your financial goals? Annuities are popular for a variety of reasons, and it seems like they’re everywhere. But are they always a good investment?    First, it’s important to note that every strategy has its place. There are many solutions that may only work for a specific set of people – including annuities. Many people appreciate the relative financial safety they may offer.    But, there are also many drawbacks to annuities. For example, the lack of liquidity - once clients place money in an annuity, they’re often limited as to how and when they can get it out. At the very least, they’ll likely have a surrender charge. Some have even more limitations – like how much they can withdraw each year! Often times, these products aren’t explained well, and by the time an issue arises and you need cash, the person who sold them to you is long gone.    So, there can be many challenges annuities offer, but how would investors know? The answer is that annuity companies have to report all the ins and outs of their various annuities to a 3rd party reporting service. We have access to those tools and can offer you a no obligation annuity intelligence report. It will reveal things like how much the surrender charge is, hidden fees and expenses, all the terms of the contract that

Smart Estate Planning in College

Smart Estate Planning in College

Posted By Lineweaver Financial Group
October 07, 2021 Category: Blog, Education, Commentary, Finance, Planning, College

Many people think that estate planning is only for older people – but it actually starts as early as college! When most students go to college, they are adults. This means they can take out loans, manage their time and course load, and generally make decisions for themselves. It also means that their parents are often surprised by how little control they have over their children's lives.  While parents' lack of access to grades and other information can be frustrating, if children have not considered their estate planning, the surprises can be far more serious. Besides being the provider of food, housing, and often transportation, parents are the "natural guardians" over minor children.  This means they are their child's legal representative and can act on behalf of their children in financial and personal matters. For example, if a minor child falls off a trampoline and breaks their arm, their parents can legally make medical decisions on behalf of the child. The same goes for financial matters. Parents can open financial accounts for their minor children, apply for life insurance, and so on. When those children turn 18, their parents' power over them stops. If an adult child is incapacitated in a car accident, their parents cannot, by default, make health care decisions for the child. The same goes for financial matters. So, what do parents and college kids need to consider to protect themselves in these s

The WealthWatch: 2021 Biden Tax Plan and Federal Tax Proposals

The WealthWatch: 2021 Biden Tax Plan and Federal Tax Proposals

Posted By Lineweaver Financial Group
October 05, 2021 Category: Blog, Newsletter, Economy, Commentary, Finance, Portfolio

The Biden administration is proposing about $4 trillion of new federal spending over 10 years as part of their new infrastructure legis-lation. To partially fund this new initiative, the new tax proposal includes higher taxes on individuals and corporations. These changes could potentially include higher individual and corporate tax rates, higher taxes on capital gains and new individual and corporate tax credits. Let’s take a look at some of these proposed changes: •    The current top individual tax rate is 37 percent. The Biden proposal will raise the top rate to 39.6 percent. This would apply to taxable income over $452,700 for individuals and $509,300 for heads of households and joint filers. •    Tax long-term capital gains and qualified dividends as ordinary income for taxpayers with taxable income above $1 million. That would result in a top marginal rate of 43.4 percent when including the top marginal rate of 39.6 percent and the 3.8 per-cent Net Investment Income Tax. Current law has long-term gains and qualified dividends taxed at 20 percent for those same individuals, plus the 3.8 percent Net Investment Income Tax. •    Tax unrealized gains at death for unrealized gains above $1 million ($2 million for joint filers, plus current law capitals exclu-sion of $250,000/$500,000 for primary residences). •    Apply the Net Investment Income Tax to active pass-through business inc

HealthWatch: How Bad Are Carbs, Really?

HealthWatch: How Bad Are Carbs, Really

Posted By Lineweaver Financial Group
October 05, 2021 Category: Blog, Newsletter, Economy, Commentary, Finance, Portfolio

Carbohydrates often get a bad rap due to the association of their excessive consumption with weight gain, obesity, met-abolic syndrome, and diabetes. This phenomenon, which some researchers call “carbotoxicity” promotes the idea that the ex-cessive consumption of all types of carbohydrates favors the development of chronic diseases. For this reason, many low car-bohydrate diets have become popular among people interest-ed in losing weight or managing blood sugar levels. They are even in favor among seasoned athletes.   However, several other studies have demonstrated that the quality of carbohydrates that people consume is as important as the quantity. This finding suggests that rather than all carbs being “created equal,” some options are better than others for health. Carbohydrates are an essential macronutrient, providing the body with energy and dietary fiber to support good health. Excessive consumption of car-bohydrates is associated with weight gain and an increased risk of the development of chronic diseases, such as heart disease and diabetes. Despite their bad rap, however, carbohydrates offer many health benefits when a person frequently consumes sources of complex carbs and dietary fiber in favor of refined carbs and sugar-sweetened beverages. Before making changes to their diet, people should speak with a doctor or registered dietitian to determine their specific carbohydrate needs to optimize their health

How To Protect Your Portfolio During Rising Inflation

How To Protect Your Portfolio During Rising Inflation

Posted By Lineweaver Financial Group
October 05, 2021 Category: Blog, Newsletter, Economy, Commentary, Finance, Portfolio

The country is opening again after the severe disruptions we saw over the last year. But, the stimulus of the past year, coupled with the growing economy and some of the shortages we have experienced are causing rising prices. In fact, the Labor Department is reporting the fastest pace of inflation since 2008. So, what is inflation, and how you can help protect your portfolio? First, let’s go over the differences between reflation and inflation. Reflation is more akin to what we are seeing now –price increases due to the reopening and growing economy, as the economy works its way back to full employment. Inflation is generally increasing prices in a more stable situation – when an economy is at full capacity, and unemployment is generally low. To most of us, higher prices affect us negatively, regardless of the root cause. Shopkick, a retail marketing app, surveyed 19,000 con-sumers to see what their experience with inflation was. Of those, 86% have noticed increased prices, and 83% plan to tighten their belts because of it. Inflation is a problem because it eats at the value of your retirement savings. Average inflation is about 2.9% according to trading-economics.com. So, even in optimal economic conditions, you’re losing 2.9% or more of your savings most years. But there are some strategies you can use to help protect yourself, your family, and your hard-earned money.  First, there are certain asset classes that are historically more r

Marketing Outlook: End of 2021

Marketing Outlook: End of 2021

Posted By Lineweaver Financial Group
October 05, 2021 Category: Blog, Newsletter, Economy, Commentary, Finance, Portfolio

If the year ended today, it would qualify as a better than average year for the financial mar-kets. Despite a rocky September, through the first three quarters, the S&P 500 was up about 15%; this despite a 5% decline in September. While we’ve seen volatility in September, if the market can hold this watermark, returns would be above the historical average of 11-12%, and it would qualify as a good year. So, what about the rest of the year? We are currently in a seasonal weak period for the financial markets. Since 1926, September ranks as the weakest month of the year.  The decline this year was larger than the historic average decline of about 1%. Taken together, September and October are historically the weakest 2-month period of the yar. However, the fourth quarter is historically the strongest quarter of the year. Importantly, our July portfolio rebalance was designed to better weather interest rate volatility and tempered cyclical exposure slightly. In my view, there are three key issues as we head toward the end of the year: 1) The economic restart, 2) Fed Policy and interest rates, and 3) inflation.  Even though the Delta Variant has caused concern, the economic restart, while not bullet proof, appears real and is being driven by availability and efficacy of vaccines, economic stimulus, pent up demand for goods and services, and high consumer savings.    According to the CDC, as of late September about 77% of US Adults have had at

Understanding Payment Apps

Understanding Payment Apps

Posted By Lineweaver Financial Group
September 23, 2021 Category: Blog, Technology, Economy, Commentary, Finance, Portfolio

  With the advent of the pandemic over the last year and a half, more and more people are switching to digital payment apps to help them with banking, payments, and to move money between accounts. These have many advantages, especially in our increasingly touchless world. But which of these are the best to use, and how secure are they?   According to Forester Data, 61% of adults who use the internet transferred money digitally to a friend or family member in 2020, compared to 51% the year before. There are no shortage of these apps available, with offerings from tech companies like Google and Apple, companies that partner with banks like Zelle, and the largest and perhaps most popular companies, Venmo and PayPal.   With so many available, it may be hard to choose one to use and it may be best to use different apps for different situations.   For example, PayPal may be best for large purchases – you can transfer or make a purchase of up to $60,000 in a single transaction. It also provides purchase protection.   For instant transfers, Zelle may be offered alongside your bank’s mobile app. Transfers are instant, but irreversible and there’s no payment protection. It is, however, the only app that doesn’t charge a fee for an instant transfer of funds.   Different apps may make sense for different scenarios, but what about privacy and security? Last year, Venmo found itself in hot water when reporters were abl

Your Portfolio and Diversification

Your Portfolio and Diversification

Posted By Lineweaver Financial Group
August 26, 2021 Category: Educational, Finance, Commentary, Portfolio

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

The Benefits of Active Management

Posted By Lineweaver Financial Group
August 05, 2021 Category: General, Finance, Educational, Commentary

  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?

Is Your Portfolio as Diversified as You Think it Is

Posted By Lineweaver Financial Group
July 22, 2021 Category: General, Finance, Educational, Commentary

  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?

Superfoods: Fad or Fact

Posted By Lineweaver Financial Group
July 08, 2021 Category: General, Finance, Newsletter, Educational, Commentary

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

Fed Catches Up With Restart Reality

Posted By Lineweaver Financial Group
July 07, 2021 Category: General, Finance, Newsletter, Educational, Commentary

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

Madison Yuzwa Crowned Miss Ohios Outstanding Teen

Posted By Lineweaver Financial Group
July 07, 2021 Category: General, Finance, Newsletter, Educational, Commentary

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

How to Protect Your Portfolio During Rising Inflation

How to Protect Your Portfolio During Rising Inflation

Posted By Lineweaver Financial Group
June 29, 2021 Category: General, Finance, Educational, Commentary

  The country is opening again after the severe disruptions we saw over the last year. But, the stimulus of the past year, coupled with the growing economy and some of the shortages we have experienced are causing rising prices. In fact, the labor department is reporting the fastest pace of inflation since 2008. So, what is inflation, and how you can help protect your portfolio?   First, let’s go over the differences between reflation and inflation. Reflation is more akin to what we are seeing now –price increases due to the reopening and growing economy, as the economy works its way back to full employment. Inflation is generally increasing prices in a more stable situation – when an economy is at full capacity, and unemployment is generally low.   To most of us, higher prices affect us negatively, regardless of the root cause. Shopkick, a retail marketing app, surveyed 19,000 consumers to see what their experience with inflation was. Of those, 86% have noticed increased prices, and 83% plan to tighten their belts because of it.   Inflation is a problem because it eats at the value of your retirement savings. Average inflation is about 3.23% according to tradingeconomics.com. So, even in optimal economic conditions, you’re losing 3% or more of your savings most years. But there are some strategies you can use to help protect yourself, your family, and your hard-earned money.    First, there are certain asset cl

The Return of the Roaring 20s

The Return of the Roaring 20s

Posted By Lineweaver Financial Group
April 26, 2021 Category: General, Finance, Educational, Commentary

When we think about the roaring 20s, nearly a hundred years ago, we all think of a decade of growth and celebration! And there were really 2 reasons for that: The end of World War One and the end of the Spanish Flu Pandemic. While we don’t have the end of a major war, we are starting to see the end of the pandemic on the horizon and getting closer to herd immunity. But is that enough to kick off the roaring 20s for us again? First, let’s consider this year so far. We had a solid first quarter: the S&P was up 6.2%, the Dow was up 6.8%, and the US lead the world according to the MSCI. Even the Russell 2000 was up 13% in a sign that small caps are recovering. The driver of much of this growth is the growing vaccine numbers- on April 21st, President Biden announced that over 200 million people have received at least one dose of a Covid vaccine. With herd immunity on the horizon, and the likely lifting of restrictions this spring or summer, it’s no surprise to imagine that a lot of people will be traveling, making major purchases, and generally heading out and celebrating. There does appear to be significant pent-up demand – certainly enough to return to normal, and maybe then some besides. The wherewithal to spend is certainly there. As of February, the savings rate in the US was about 13%- double the historical average! So, consumers do seem coiled for recovery, which would affect travel, leisure, housing, and many other sectors of the economy. P

2021 Economic Commentary

2021 Economic Commentary

Posted By Lineweaver Financial Group
April 06, 2021 Category: General, Finance, Educational, Commentary

Vaccine-led Restart The new nominal theme – which flags a more muted response in nominal government bond yields to rising inflation than in the past – has played out since last year. Inflation-adjusted yields, or real yields, have fallen further into negative territory as a result. Additional fiscal spending could turbocharge a vaccine-led economic restart later this year – one that we believe may exceed market expectations. Activity in many services sectors is already compressed with less room to decline further. Businesses have also adapted to an environment of social distancing, allowing operations to continue. Consensus expectations of the size of the shock have been revised down materially, particularly for the euro area. Vaccine rollouts are likely to stoke a sharper-than-anticipated rebound. A Different Shock We see pent-up demand in contact-intense services rebounding sharply once restrictions lift in the U.S. and euro area – as seen in China, and supported by the accumulation in personal savings. U.S. consumers have built up a savings buffer equivalent to more than 12% of annual consumer spending over the past year. Not only is the policy response this time far more overwhelming, but a large part of economic activity will restart on its own once the pandemic is under control, in our view. This is a key difference with the Global Financial Crisis (GFC). The objective of the current policy response has been different: it is not to stimulate

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