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Category: Q3

Economic Outlook

Posted By Lineweaver Financial Group
July 16, 2020 Category: Economic Outlook, Q3, 2020

The second quarter of 2020 was one for the history books. COVID-19 caused a global pandemic that led to deaths in more Americans than the wars of Vietnam, Korea, and the Gulf Wars combined, and led to “stay-at-home” mandates that caused a sharp, deep recession in Q2 when nearly 20% of Americans were unemployed.1 In May and early June, after many thought the curve of new coronavirus cases had been successfully flattened, economic reopening occurred across the country. Within weeks the virus spread, however, and the US entered the July 4th weekend reporting record numbers of new cases of over 50k/day.1 This is double the rate seen in mid-May with total cases now totaling 2.8m, up from 200k cases at the end of Q1.1 Reopening plans have been rolled back in many states. Generally, the level of uncertainty regarding the virus is growing, not falling.   Despite this environment, risk assets enjoyed strong rallies throughout the quarter, leading to discussions of the disconnect between Main Street and Wall Street. Backed by massive monetary stimulus from the Federal Reserve, fiscal stimulus from the Treasury, some early success in the reopening and hopes for a vaccine, US stocks had their best quarter since the fourth quarter of 2008.1 US stocks were again led by the large-cap Technology and other popular growth stocks, leading to concerns of narrowing market leadership that has some resemblance to the dot.com period of the late-90’s.  After falling 35% i

Economic Commentary: Q3 2019

Posted By Lineweaver Financial Group
July 02, 2019 Category: Economic Commentary, Review, Q3

Investment Directions - Staycation or Vacation? “Sell in May and go away” is an old maxim for investors. Evidence is mixed on its validity, but given this year’s rally, the temptation now is understandable. Our take: consider taking some profits and rotating into exposures that offer more resilience if volatility returns. Think of it as the investor version of a “staycation” and catch up on chores. With that in mind, our take on the major investor themes for the weeks ahead: U.S. Equities: Reverting to Technology We remain overweight U.S. equities, and one of our favored sectors is technology. Even with strong performance this year, we believe the sector remains appealing. Technology firms tend to have strong balance sheets and enjoy support from longer-term trends, attractive qualities in a late economic cycle. Furthermore, tech stocks have historically fared well through various yield curve regimes. Developed Markets: Europe Poised for Revival? Investors in Europe have had little reason for optimism for some time. But we expect European growth to accelerate this year given solid domestic demand. Valuations look attractive relative to history, although political and trade risks linger. China’s efforts to stimulate its own growth could help export-heavy economies, such as Germany. Emerging Markets: Brazil Waiting on Reform Brazilian assets have underperformed the broad emerging market index this year, despite signs that economic growth

Healthwatch: Tips for Lowering Your Risk of Dementia

Posted By Lineweaver Financial Group
July 02, 2019 Category: Dementia, Healthwatch, Health, Q3

There's no effective treatment for dementia, which affects 50 million people worldwide, but the World Health Organization (WHO) says there's much that can be done to delay or slow the onset and progression of the disease. In May, WHO issued the following recommendations to reduce the risk of dementia globally, and combat cognitive decline: Regular physical exercise Don't use tobacco Drink less alcohol Maintain a healthy blood pressure Eat a healthy diet, particularly Mediterranean foods Avoid dietary supplements such as Vitamins B and E WHO said there are 10 million new cases of dementia every year, and this figure is set to triple by 2050. The disease is a major cause of disability and dependency among older people and "can devastate the lives of affected individuals, their careers and families," the organization said. Although the report stressed that social participation and social support are strongly connected to good health and individual well-being, it said there was insufficient evidence linking social activity with a reduced of risk of dementia.  Experts said that the advice issued by WHO was comprehensive and sensible, but some cautioned that the evidence that these steps would reduce dementia risk was not always strong. "Keep on doing the things that we know benefit overall physical and mental health, but understand that the evidence that these steps will reduce dementia risk is not strong," Robert Howard, a professor of old a

Q3 2018: Economic Commentary

Posted 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 the Pacific region lagged. On the political front, the prospect of new elections in Italy and a vote of no confidence against Spanish Prime Minister Mariano Rajoy renewed fears of a Eurozone breakup. In the emerging markets, returns were held back by weak performances from Latin America heavyweights Brazil and Mexico.   Within fixed income, results were mixed as the Fed raised interest rates and the U.S. dollar rose sharply against most major currencies. The 10-year U.S. Trea

2017 - Q3 Healthwatch

Posted By Lineweaver Financial Group
July 10, 2017 Category: Healthwatch, Q3

3 Tips For A Healthy Summer It’s finally summer! Something we wait for all year in Cleveland. And, while you should definitely take some time to have fun, recharge, and spend time with family and friends, here are three health tips that will help you have a healthy summer! 1. Eat More Berries: An easy way to improve your diet this summer, is to have a cup of mixed fresh berries every day. They’re full of antioxidants, which may help prevent damage to tissues and reduce the risks of age-related illnesses. They’re also high in fiber, which helps keep cholesterol low and may even help prevent some cancers. 2. Drink alcohol – for your heart! Ok, this one comes with a caveat. No one needs to be encouraged to have a drink during the hot summer months, but don’t overdo it. Research shows that drinking alcohol in moderation – defined as about two drinks a day – can help protect against heart disease. 3. Plant a garden: Gardening is a great way to reduce stress. It helps you focus, beautifies your house or yard, and helps you to get out for some fresh air. Just remember, if you’ll be out in the sun for more than a few minutes, it’s best to wear suntan lotion of at least SPF

Q3 Economic Commentary

Posted By Lineweaver Financial Group
July 10, 2017 Category: Q3, Economic Commentary

Following the strong start to the year, additional positive performance slowed in the second quarter as markets digested a tremendous amount of economic and geopolitical news. However, despite elevated levels of uncertainty throughout global financial markets, returns overall remain robust year-to-date. A few highlights from the second quarter: U.S. Equity markets added to gains from earlier in the year at a slower pace as compared to the first quarter. Economic data was mixed and overall GDP results fell short of expectations. Despite uncertainty, corporate earnings were stronger than anticipated which helped push equity markets to new highs.   International equity markets were positive during the quarter and outperformed their domestic counterparts. Economic data in Europe continues to come in better than expected, and could be signaling a period of sustained growth. Emerging Market equities posted some of the strongest gains of all in countries such as China, India, and Brazil, which continue to accelerate. Emerging Market stocks are the best performing asset class year-to-date.   • After a steep increase in interest rates to end 2016 and after only the third increase in short-term rates by the Fed since the Financial Crisis, interest rates were generally stable to declining during the second quarter. Declining rates helped prices of Core U.S. Bonds which more than doubled their return from the first quarter. Investors continued to embrace risk in fixe

2016 Tax Planning and Updates

Posted By Lineweaver Financial Group
October 11, 2016 Category: Tax Planning, Newsletter, Q3, Lineweaver

There are some proven tax planning tips that can be applied each and every year. They are highly effective and proven to minimize your tax bill. Here is a brief highlight of the tax planning maneuvers you should be considering for 2016:   1) Defer Income: Income is taxed in the year it is received. Consider deferring year-end bonuses from employers to 2017 if that income will place you in a higher tax bracket in 2016. If you are self-employed, you may consider delaying billings until late December so that the payments are not received until 2017. Also consider accelerating income into 2016 if you will be in a lower tax bracket in the current tax year. 2) Charitable Deductions: You may wish to consider donating appreciated property (stocks or property) in lieu of cash. You achieve the double tax benefit of deducting the contributed asset at Fair Market Value and avoiding paying the capital gains tax on the built-up appreciation. 3) HSA: Consider setting up and contributing to a Health Savings Account. You may make a tax deductible contribution to a Self-Only HSA of $3,350 or a family HSA of $6,750 (plus an additional $1,000 if age 55+). You must have a minimum annual deductible of $1,300 in an individual plan or $2,600 as a family plan. 4) Loss Harvesting: Offset capital gains on sales of stocks or mutual funds by selling investments that you are holding at an unrealized loss. Gains are offset dollar-for-dollar against losses and you may deduct

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