Interest rates have been considerably lower than inflation for several months now. However, we have started experiencing a rise in interest rates.
During this transition period, as interest and inflation rates adjust over time, how can you strive for better risk-adjusted returns?
Sean Clark, Director of Financial Planning, and David Cariani, Vice President, answer this question in today’s episode! They explore financial planning and investment strategies to help you cope with rising interest rates.
Sean and David discusses:
Why interest rates are a key input into your planning and investment decisions
Potential impact of rising interest rates on the U.S. economy
How to minimize the risk of principal loss and reduced purchasing power
Four alternative investments to consider over traditional fixed income
If you’re the founder of a public company, a long-term employee with accumulated stock options, or an early investor in a highly successful company, it’s likely that you have a concentrated stock position.
So, what should you do when a major portion of your wealth is tied up in a single stock?
Sean Clark, Director of Financial Planning, and David Cariani, Chief Investment Officer, answer this question in today’s episode. They unpack strategies to help you minimize the downside risk exposure and large tax liabilities that come with a concentrated position.
Sean and David discusses:
How options and exchange funds help you diversify without having to sell your stock
Why leaving a concentrated stock position unattended can be risky
Creative gifting strategies to reduce your capital gains tax
How your level of concentration affects your wealth management decisions
The interest rate yield on traditional fixed income investments, such as bonds, are at an all-time low. Consequently, there is decreased upside potential and a greater downside risk.
In this episode, David Cariani, CIO, is joined by Christopher Hyman, senior case designer at Centura Wealth Advisory, to discuss how life insurance can be a powerful alternative vehicle for fixed income investments. They also dive into the trifecta of benefits that it provides –– downside protection, high liquidity, and an attractive upside potential relative to investments with a similar risk profile.
David and Christopher discuss:
How major banks have benefited from Bank-Owned Life Insurance (BOLI) investments
Key considerations to keep in mind while selecting a carrier for the life insurance
The eligibility criteria to invest in the Indexed Universal Life (IUL) insurance
Potential issues that can arise while investing in life insurance and ways to deal with them
Chris has been in the financial services industry for over 13 years. As Senior Case Designer, Chris models in-depth customized planning solutions that fit the diverse needs and goals of Centura clients, and also assists in the ongoing stewardship of those plans. Before joining Centura, Chris served as the sole Case Design specialist for an advisory member firm of M Financial Group, where he developed life insurance solutions for high net worth clients, geared toward estate planning, tax efficiency, and executive compensation.
The single-family rental industry was falling behind the multi-family rental market, however, things continue to change and investors are seeing it as a valuable asset class.
In this episode, David Cariani is joined by Ted Conrads, co-founder and co-president of Colchis Capital. Ted shares background information on Colchis Capital, and explains how the single-family rental industry has become a valuable asset class for investors.
In this episode, you will learn:
How Colchis Capital serves clients in four markets across the US
How the single-family rental market has become a stable, reliable asset class for investors
The role technology plays in the single-family rental industry
About a tax-efficient strategy and how investors benefit
Tune in now to learn how the single-family rental industry has become reliable for investors in recent years!
Centura Wealth Advisory believes in going above and beyond traditional money management to bring only the best value-added solutions to clients. To do so, they’ve brought on amazing team members who share their vision of what it means to have Liberated Wealth™.
Today, you’ll meet one of those team members, Centura’s co-chief investment officer David Cariani, CFA, CFP®. In this episode, get to know all about David and what drives him to help clients have the best planning experience — and why he’s such a good fit for the Centura team.
In this episode, you’ll learn:
Three key finance lessons David learned while growing up
Why David wants to maximize the value that families derive from their wealth
David’s proudest professional achievement
Why Centura’s team stands out from other firms
Tune in now to learn about David Cariani and what he brings to the table at Centura Wealth Advisory!