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Category: General

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 Ohio’s 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

Lineweaver Wealth Advisors enters the top 20 in the Crain's 2021 List of Registered Investment Advisers

Lineweaver Wealth Advisors enters the top 20 in the Crains 2021 List of Registered Investment Advisers

Posted By Lineweaver Financial Group
June 09, 2021 Category: General, News, Awards, Crain's, Investment. Advisers

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. 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, 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 accessib

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

Combating COVID-19 Fraud

Combating COVID 19 Fraud

Posted By Lineweaver Financial Group
April 06, 2021 Category: General, Economy, Fraud, Educational

In recent months, criminal organizations at both the local and international level have been using the identities of U.S. citizens to open accounts and file fraudulent claims for unemployment benefits, exploiting the unprecedented expansion of these benefits provided in response to economic disruption caused by the COVID-19 pandemic. There are many ways that they are doing this, and the schemes range from targeting Medicare, social media, robocalls, and unemployment insurance.   While not all schemes revolve around some form of identity theft, many do. According to Experian, one of the three major credit reporting agencies, here are some telltale signs of identity theft: •    You no longer get your household bills in the mail.  •    You’ve been turned down for a loan or credit card.  •    You’re being billed for items you didn’t purchase.  •    Your financial accounts show charges you don’t recognize.  •    Your tax return was rejected.  •    Small test charges appear on your credit card statement.  •    Your creditors alert you to suspicious activity.  It’s important to keep an eye out and be aware of anything out of the ordinary. There are also steps you can take to protect yourself such as password protecting your devices, never giving out information ove

Anxiety and Inflammation: Is There A Link?

Anxiety and Inflammation: Is There A Link

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

Although evidence is slowly mounting, we have a great deal to learn about the relationship between inflammation and anxiety. Anxiety disorders are common. According to the World Health Organization (WHO), in 2015, an estimated 3.6% of the global population had an anxiety disorder, which is around 264 million people. What is Inflammation? Inflammation is a protective response that helps the body rid itself of the offending stimuli and protect the body. However, if inflammation persists, it can damage the cells and tissues it is designed to protect. Linking Inflammation and Anxiety Although there is now good evidence of links between inflammation and depression, less research has examined the relationship between inflammation and anxiety. Steadily, scientists are building up a body of evidence. Anxiety disorders are characterized by mental distress. However, they may also be associated with an increased risk of coronary heart disease, atherosclerosis, and metabolic disorders. Because these conditions involve low grade systemic inflammation and because depression often comes hand in hand with anxiety, some scientists are asking whether inflammation might therefore play a part in anxiety disorders. The Take-Home Although the evidence of a link between inflammation and mental health is becoming stronger, scientists have a long path to traverse before they fully understand the importance of this relationship. The immune system is an incredibly complicated topic, and menta

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

Low Interest Rates Strategy Tips

Low Interest Rates Strategy Tips

Posted By Lineweaver Financial Group
March 29, 2021 Category: General, Economy, Interest Rates, Educational

 In the last year, low interest   rates have become the norm   as the Fed has used them to   combat the economic effects   of the Coronavirus. This can   make it challenging for   investments like CDs, your   savings accounts – even high   yield accounts – to make   enough to outpace inflation. That means that your money is essentially becoming less valuable over time, which gives you less buying power. Let’s talk about some strategies you can use in a low interest rate environment. Bonds are really the classic vehicle for generating income. On the downside, they will fluctuate with interest rate moves and have default risk. But they can generate income and serve as a ballast in a portfolio when equity values are volatile. Individual bonds may be difficult to buy, but bond mutual funds and ETFs can offer diversity and make the process easier and more cost efficient. One of the things that you can do is to create a bond ladder – so you’re investing in bonds that mature at different times or over a certain period. And, as these mature, you reinvest them in a new bond. That way you are constantly earning a return higher than what you may find at most banks and as interest rates change, you are taking advantage of the latest and hopefully highest rates available. Another option is Treasury Inflation-Protected Securities, often known as

Tax Tips for Filing in 2021

Tax Tips for Filing in 2021

Posted By Lineweaver Financial Group
March 13, 2021 Category: General, Economy, Tax Planning

  As we get into tax season, filing for 2020 is fundamentally different from most tax years, especially in light of Covid and the stimulus packages passed last year. We thought it would be helpful to share a few general tax tips to keep in mind as you’re working with your tax advisor. The first thing to consider is the tax stimulus credits. The EIP (Economic Impact Payment, aka stimulus check) is actually a 2020 tax credit that was advanced to taxpayers as part of the Cares Act. Certain qualifications, such as income levels and dependency status, impact the amount the taxpayer may receive. The first round allowed for a maximum of $1200 per qualifying adult and $500 per qualifying dependent child (age 16 and under). The second round allowed for $600 per adult and $600 for dependents 16 and under. Another consideration during 2020 tax preparation is the group of taxpayers caught in in-between – taxpayers age 17 and over, usually high school and college children still claimed as dependents by their parent. When filing 2020 tax returns, parents and their dependents need to consider whether it makes sense to still claim the dependent child. Parents may phase out of education tax credits, the child may have graduated during the tax year but still eligible to be claimed, or perhaps 529 plan money was used to pay college expenses. In those cases it may be better for the child to claim themselves to take advantage of the education credits and quali

Understanding Cryptocurrency

Understanding Cryptocurrency

Posted By Lineweaver Financial Group
February 18, 2021 Category: General

  Let’s talk about blockchain, which is the concept behind popular Cryptocurrencies like Bitcoin, Ethereum, Cardano, and Litecoin. Blockchain seems complicated, but its core concept is really pretty simple – it’s a type of database. To be able to understand blockchain, it helps to first understand what a database actually is.   A database is a collection of information that is stored electronically on a computer system. Information or data in databases is typically structured in table format to allow for easier searching and filtering for specific information. A simple example for most people to visualize is a spreadsheet, like what you’d use in Excel. The main difference is that spreadsheets are designed for one or a few people to store and access small amounts of information. By contrast, a database is designed to house huge amounts of information that can be accessed, filtered, and manipulated quickly and easily by any number of users at once. In either case, data is traditionally housed/stored in a centralized location.   This helps us imagine a starting point, but how is blockchain different from a database? After all, a database isn’t a new concept, and blockchain is a new technology. One key difference is the way the data is structured. A blockchain collects information together in groups, also known as blocks, that hold sets of information. Blocks have certain storage capacities and, when filled, are chained onto t

Cracking the Medicare Code

Cracking the Medicare Code

Posted By Lineweaver Financial Group
October 01, 2020 Category: Medicare, Medicare Supplements, Retirement, General

Open enrollment for Medicare and Medicare Supplements is right around the corner. Medicare programs are notoriously challenging to navigate, but it’s a crucial decision that most of us will have to make at some point in our lives. The question most people start with is one of eligibility. There are two essential parts to Traditional Medicare, Parts A and B. Part A has to do with hospitalization, and you become eligible on the first of the month for your 65th birthday.  If you become eligible for Part A, it’s recommended to enroll immediately because there is no premium.  This remains true even if you are still working and have health insurance through your job. It will get you into the system, and you’ll start receiving “Medicare & You.” On the other hand, part B has to do with doctor visits and bills, including medically necessary services or preventive care. It’s recommended that you enroll with the Social Security office about 2-3 months prior to when you’ll be looking to receive the full Medicare enrollment benefits. When it comes to enrolling for Part B, this can be particularly tricky and could cost you. If you are already retired or will retire right at 65, the answer is simple: sign up for Part B at the same time you enroll in Part A. If you are still working, it’s something that you must figure out when the right time is to enroll. It’s essential to enroll at the right time. If you

Market Challenges and the Coming Election

Market Challenges and the Coming Election

Posted By Lineweaver Financial Group
September 10, 2020 Category: General, Market, Election

Key Points Challenges include elevated virus transmissions, high unemployment levels, the Presidential election and stretched valuation metrics Monetary and fiscal policy combined with vaccine developments are likely to continue to support risk assets 2020: A Historic Year 2020 will be remembered as the year the coronavirus severely tested the basic freedoms and tenets of capitalism in the United States. The virus has proven to be highly efficient in disrupting many of the daily routines we typically take for granted. Like an engine needs clean oil to operate smoothly, the free movement of people, goods, and capital are key lubricants capitalism needs to operate smoothly. The virus is near-perfect friction to this free movement. As we have witnessed, businesses and education systems have difficulty functioning without free movement. Unfortunately, we have also felt the human tragedy the virus has created with nearly 775,000 deaths globally,5 a number that will sadly go higher. For investors, the result has been some of the largest and fastest swings in financial markets and economic conditions in history. Yet given all this bad news and volatility, the resiliency of our people and the capitalistic economy is truly amazing. In short order, doctors and scientists have developed 8 coronavirus vaccines that are in late-stage trials,1 and many new treatments for COVID-19 are being uncovered rapidly. Central banks and governments globally have also delivered unprecedented reli

Q2 and Three Steps to Take

Q2 and Three Steps to Take

Posted By Lineweaver Financial Group
August 06, 2020 Category: Strategies, Volatile Market, General

The second quarter of 2020 is unlike any other. We’ve been in the midst of a global pandemic that led to the “stay-at-home” mandates that caused a sharp, deep recession and left nearly 20% of Americans unemployed1.  In May and early June, after many thought the curve of new coronavirus cases had been successfully flattened, economic reopening occurred across the country. However, within weeks the virus spread and the US entered the July 4th weekend reporting record numbers. With some progress reportedly being made on several treatments and potential vaccines, many people have started pricing risk assets as if the worst of impact from COVID-19 is over. This was before the onset of what many are calling the “2nd wave” of new coronavirus cases, causing many to question the pace of any economic recovery.  With expectations that the Federal Reserve will do “whatever it takes” to support the economy and risk assets investor attention has turned to Congress, as the $600 weekly unemployment benefit has ended. The passage of another fiscal stimulus bill is an uncertainty entering Q3, but one that is increasingly likely.  What can you do in the face of uncertainty? 1. Understand and Prepare for Risk Take a hard look at your portfolio, and make sure that you understand your risks for the second half of the year, and into 2021. This volatility we are seeing – and have been seeing since late February, is very likely to

5 Steps to Transitioning into a Successful Retirement

5 Steps to Transitioning into a Successful Retirement

Posted By Lineweaver Financial Group
July 14, 2020 Category: Retirement, General, Steps

Are you looking to start the transition into retirement? If so, we have prepared 5 critical steps to take into consideration when transitioning into this new chapter of your life. When preparing for retirement there are plenty of important decisions running through your mind. We have compiled these steps in order to help guide you along the way.  Step 1: Plan for Increasing Healthcare Cost When it comes to healthcare, you have to be prepared for what could happen in the future. Fidelity does a study every year into the average cost of healthcare for a couple who is aged 65 and retiring. In 2019 it was estimated they will need $285,000 for healthcare and healthcare-related costs. This cost, unfortunately, will only increase significantly each year.  Step 2: Consider Long-Term Care 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. With such a high percentage of people in need of long-term care, it’s something to keep in mind when making the transition into retirement.  Step 3: Change Your Money Mindset After retirement, the way you invest will also begin to change. What this entails is changing your mindset from saving to spending and preservation. This means that making contributions and growing your assets becomes investing for protection, aiming to safeguard your wealth, and making sure that you will have a good, steady income stream. It’s often dif

4 Helpful Strategies During this Volatile Market

4 Helpful Strategies During this Volatile Market

Posted By Lineweaver Financial Group
June 18, 2020 Category: Strategies, Volatile Market, General

Since the onset of COVID-19 in February, we’ve seen record volatility in the financial markets. But, it’s time in the markets, rather than timing the markets that will ultimately help set you up for success over the long-term. Here are a few strategies to help you keep your cool, remain invested, and weather the storm. First, consider using income-focused strategies to help weather today’s uncertainty. When investing in individual stocks, it’s important to use caution for growth purposes or when you are nearing retirement. Normally, it’s best to employ a combination of different tools, including bonds or fixed income, based on your financial goals and time horizon.  Secondly, remember that planning now could save you and your family hundreds of thousands of dollars later. One of the major changes of the past year is the elimination of the “stretch” IRA. This rule changes the way your heirs are able to receive inherited funds. Before the change, you were able to spread the inherited money over the course of your heir’s lifetime, but under the new rule, you now have to withdraw those funds in 10 years. This greatly raises the amount of taxes that a beneficiary will have to pay on those funds. A way to avoid this is by using the gifting strategies, Roth conversions, or by creating a bloodline trust.   Third, consider a bloodline trust to keep it all in the family. A bloodline trust is a way to help ensure that mon

Strategies to Help Maximize Income and Minimize Taxes

Strategies to Help Maximize Income and Minimize Taxes

Posted By Lineweaver Financial Group
May 21, 2020 Category: General

We’re all going through a situation with no precedent right now, and it can feel challenging to take any action. But, we believe that there are some important tax strategies that can help you navigate during these challenging times that may not only help you weather the current storm but set you up for success down the road.  One strategy we recommend for our clients is tax-loss harvesting, which involves selling an investment that has lost value, replacing it with similar investment, and then using the investment sold at a loss to offset any realized gains. This can help investors minimize any taxes they may owe on capital gains or their regular income. It can also improve overall investment returns. This strategy, however, can only be applied to taxable investment accounts, including retirement accounts like IRAs and 401(k). Another strategy can be a Roth conversion. Converting retirement savings from pre-tax to Roth accounts has become less expensive for many investors because of the recent stock market selloff. According to CNBC a single taxpayer with a $1 million IRA would have paid about $41,000 less in tax to do a conversion after the market downturn than before it. However, it can be complicated, and may not be the right strategy for everyone. We recommend you take a hard look at your portfolio and your financial goals and then speak with a professional to help decide if this strategy is right for you. Keep in mind that this conversion means that

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