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More Hoosiers Are Retiring Early

Casey Marx our founder and CEO of Crown Haven Wealth Advisors. Marx was just interviewed by Samantha Johnson of WTHR about why more Hoosiers are retiring early and how they are pulling it off?

n our work with financial planning clients, we have seen the pandemic serve as a realization for many people that they can work from home or reduce hours and still be just as productive at work. Casey recommends asking a few simple self-reflection questions for those considering partial retirement.

  1. What’s important to you?
  2. What are you trying to achieve?
  3. What do you enjoy doing?
  4. Who do you care about?

Inflation and rising interest rates are causing millions of people to rethink their budgets or plans for retirement. Now more than ever, people in the great state of Indiana need a financial advisor they can trust.

To help, Crown Haven Wealth Advisors is offering a limited number of spots for our free financial planning sessions. Our team is happy to meet with you online or in our offices in Carmel, IN. Stop stressing about money or how you will pay for the retirement you always wanted.

You deserve a secure financial future. Click here to schedule a complimentary relationship visit or call (317) 564-4691 to speak with one of our specialists.

See and read the original article on


Managing the Risk of Outliving Your Money

Managing the Risk of Outliving Your Money

Managing the risk of outliving your money has become one of the top questions we hear from pre-retirees. In fact, according to research1, 42% of workers say they fear outliving their savings and investments.

Retirees face greater “longevity risk” today.
The Census Bureau says that Americans typically retire around age 63 for women and 65 for men. Social Security projects that today’s 63-year-olds will live into their mid-eighties, on average. This is a mean life expectancy, so while some of these seniors may pass away earlier, others may live past 90 or 100.2,3

How will Social Security work in the future?
For decades, Social Security took in more dollars per year than it paid out. That ongoing surplus – also known as the Social Security Trust Fund – may face funding challenges as early as 2034. Congress may act to address this financing issue before then, but the worry is that future retirees could get slightly less back from Social Security than they put in. It’s critical that pre-retirees estimate the amount of Social Security benefits they are expected to generate in the future.4

Preparing for out-of-pocket health care costs.
You can enroll in Medicare at age 65, but how do you handle the premiums for private health insurance if you retire before then? Striving to work until you are eligible for Medicare makes economic sense, and so does setting aside money to pay for health care costs. A healthy couple retiring at age 65 can expect to pay nearly $208,000 in lifetime out-of-pocket healthcare expenses, even if they have additional coverage such as Medicare Part D, Medigap, and dental insurance.5

Luck is not a plan, and hope is not a strategy.
Those who are retiring unaware of these factors may risk outliving their money. Creating a strategy may help you better prepare for retirement.

Crown Haven Wealth Advisors want to prove they are the financial advisor you can trust. 

That’s why Indiana’s #1 fiduciary with 40 years of combined experience is offering a limited number of spots for our free financial planning sessions. No cost. No obligation. 

And our team is happy to meet with you online or in our offices located in Carmel, IN.It’s not too late to secure your retirement for a future you can truly rely on. Click here to schedule a complimentary relationship visit or call (317) 564-4691 to speak with one of our specialists.


  1., 2021
  2., 2021
  3. Social Security Administration, 2021
  4., 2021
  5. HealthView Services, 2021

3 Financial Planning Tips for the Second Half of 2022

Here are 3 financial planning tips for the second half of 2022. With half the year behind us, now is a great time to consider what the remainder of 2022 may hold. However, with inflation and economic uncertainty causing many of us to delay or cancel vacations, large purchases, and more, it can be challenging to know where to start.

Here are a few tips to help make the rest of the year as smooth as possible:

  • Deflate Inflation – Travel-related costs have skyrocketed, causing many to delay or cancel vacation plans. But are you overreacting to current headlines? Let’s talk if you’re wavering on a scheduled trip.
  • Embrace Uncertainty – If you’ve delayed a major purchase lately, you’re not alone. Economic uncertainty has caused many to rethink their expenditures. When your net worth declines, the “wealth effect” tells consumers to rein in spending. But our portfolio strategy takes into account periods of market volatility.
  • Practice Patience – The need to take action can push even the most seasoned investors into questionable territory. Instead, try to take a long view of the markets. Remaining patient and taking a break from watching the markets closely may help weather the storm.

Let us know if you ever want to chat about your future goals or current economic conditions. We’re always ready to help.

Contact us now to start the conversation.

3/28/22 Wealth Management Insight

Bond Price Rout- The sharp year-to-date decline in bond prices accelerated, sending the yield of the 10-year U.S. Treasury bond up to levels not seen since May 2019. After finishing the previous week at 2.15%, the 10-year yield jumped to 2.49% on Friday. At the end of 2021, the yield was just 1.51%.

Gloomier Outlook – Many companies are scaling back their expectations heading into earnings season, which begins in mid-April. As of Friday, more than twice as many companies had reduced their earnings guidance than had raised their forecasts, according to FactSet. Of the 95 companies in the S&P 500 that have changed their guidance, 66 cut expectations versus 29 that lifted them.

Russian Market Reopens – A Russian stock index fell on Friday, the day after recording gains on Thursday as the market partially reopened following a February 28 shutdown in the wake of Russia’s invasion of Ukraine. Russia has been slowly reopening equity trading after other countries imposed economic sanctions in response to the invasion.

Top News to Watch this Week

Jobs Ahead – A monthly U.S. labor market update due out on Friday will show whether the strong growth recorded in February carried over into March. In February, the economy generated the strongest job growth in seven months, with 678,000 jobs added; the unemployment rate fell to 3.8%.

2022 Changes To Your Money

2022 brings new tax and saving changes that could impact your finances. Updates include standard deductions, retirement-plan contributions, estate, and gift tax changes are the federal government’s effort to the American people feel fewer effects of record-high inflation. Read below or watch Casey’s interview on WRTV Indianapolis to learn more about how you can make adjustments to maximize these changes.

  1. The IRS is changing and boosting tax brackets which is normal for them to do to combat inflation. This year it’s going from 1% in 2021 to 3% 2022 due to inflation indexing. The adjustment will reduce the amount of taxes deducted from paychecks and raise take-home pay.

    Standard Deduction
    $12,950 – Single
    $25,900 – Joint

    Tax rates on capital-gain and dividend taxable income
    0% Up to $41,675 (Single) / Up to $83,350 (Joint)
    15% $41,676 to $459,750 (Single) / $83,351 to $517,200 (Joint)
    20% $459,751 or more (Single) / $517,201 or more (Joint)
  2. The IRS is also changing the maximum amount taxpayers can contribute to their 401ks, increasing it by $1,000. he top tax-deductible contribution to a 401(k) for savers under age 50 will rise to $20,500 from $19,500 in 2021, about 5%. For non-qualified contributions to IRAs and Roth IRAs, the limit will remain $6,000 for people under age 50, due to rules preventing increases until there is a $1,000 increment. The income thresholds for these tax breaks will be higher for most taxpayers, however.

    Retirement-plan contribution limits
    – Traditional or Roth IRA $6,000, plus $1,000 for age 50 and older 401(k) or
    – Roth 401(k) $20,500, plus $6,500 for age 50 and older
    – SEP IRA or Solo 401(k) $61,000, plus $6,500 for age 50 and older, for Solo 401(k)
  3. Social security checks are increasing This is the biggest boost in 40 years on average, Social Security beneficiaries are seeing an extra $92 a month 

    Bonus Information
  4. Estate & Gift Tax changes
    Lifetime exemption – $12,060,000 per individual
    Annual exclusion $16,000

So a lot of things to be watching for. This is the beginning of some pretty high inflation, and I think this is going to continue for a while. Interest rates are responding, and they’re going up as well, so I think folks are going to have to get used to higher prices for a while.

Inflation and rising interest rates are causing millions of people to rethink their budgets or plans for retirement. Now more than ever, people in the great state of Indiana need a financial advisor they can trust. To help, Crown Haven Wealth Advisors is offering a limited number of spots for our free financial planning sessions.

Our team is happy to meet with you online or in our offices in Carmel, IN. Stop stressing about money or how you will pay for the retirement you always wanted. You deserve a secure financial future. Click here to schedule a complimentary relationship visit or call (317) 564-4691 to speak with one of our specialists.

When Your Investments Lose Value

Here is a question about your retirement plan and when your investments lose value. Whether it’s your 401(k), IRA, Roth IRA, Rollover IRA, or other financial accounts. It could be stocks, mutual funds, REITs or other investments. How much better off would you be today if you had never experienced losses from the last market crash? Or any crashes for that matter? I mean, folks that work with us at Crown Haven, they’ve been investing some of them 35, 40, 45, 50+ years, sometimes. That means they experienced at least at the very least 1987, the late 90s tech bubbles, 911, great recession 2007, 2008, and March 2009. Most lately 2015, the 2018 20% loss at the end of December. Lastly, the Coronavirus correction in early 2020 knocked 33% off the Dow. That’s eight different crashes in the matter of what 87 to 2019 2020. How much better would you be off today? If you’d never experienced losses from any of those? I believe you know the answer?

I want you to time travel back to when you were a child. Your very first roller coaster now when you hear a roller coaster when it’s being pulled up the track, you can hear a clicking noise, can’t you? Now each time you hear a click, there’s a mechanism that locks that coaster so it can’t go backward. If the machine pulls the coaster up, the track fails, the coaster stops, but it won’t reverse.

In our retire shield strategies, this is called an annual reset. Any market growth pulls your money up that steep track, and each year, you hear a click that sound is your money being locked in place. So it can never go backward due to market losses. You only go up from market gains, and you never go backward from a market loss. Every year your account value gets locked in place.

So how is that different from investing in stocks, bonds, mutual funds, variable annuities, muni bonds, REITs, or other risk-based investments? In risk-based investments, you don’t hear the clicks. If the market machine breaks, you get thrown in reverse. It dumps you over onto the other side when you get pulled to the top. In a risk-based investment, there are no clicking noises, no gains are being locked in. Instead, you hear nervous laughter on the way up and screaming on the way down.

So the question is, what do you hear our clients saying about our RetireSHIELD® retirement plan? If you hear anything at all, it’s a quiet sigh of relief. Look at our reviews online and you will see our clients love us. They’re only growing, they’re never losing. No nervous laughter and no screaming.

Our clients get to keep their gains, and their account balance doesn’t decrease one penny due to a market loss because their coaster only goes up. We’ve done this for 1,000s of clients protected hundreds of millions of dollars. Not one of those clients has ever lost money in the market with our RetireSHIELD® secure income strategies. It’s more like an escalator that may stop now, but it never goes backward. Escalators are also safe because they can never break. They can just become stairs and then you just walk up.

If you want to learn more about the security our RetireSHIELD® plan offers. Schedule a virtual or in-person Free consultation today

Listen to Casey Marx, Smart Money episode “Definition of Insanity, Cliff Young Shuffle, Fake News and Underliving Your Retirement” on the player below or on your Apple Podcast App or Android device.

Year-End 2021 Tax Advice

Year-End 2021 Tax Advice. Many of us don’t like paying taxes, and most everyone wants to save money. Our founder Casey Marx was just featured on Money Tips to prepare for the 2022 tax season WTHR 13 NBC Indianapolis telling everyone to start making tax moves right now because it can help increase our tax break before the end of the year.

You can start by making all of your charitable donations by December 31st. Any deductions for cash contributions must be made to qualified charitable organizations. Taxpayers who claim a standard deduction claim up to $300 $600 per tax return for those married filing jointly. Make sure you get and keep donations receipts for any contributions regardless of the amount.

Our next move to reduce your tax liability is to look at your retirement accounts like traditional IRAs or 401(k)s and convert these to Roth IRAs. You will pay taxes on those deferred tax savings now, but in retirement, you get the benefit of having tax-free income distributions in retirement.

We know a lot of people initially are afraid of paying the taxes upfront because nobody likes to pay taxes. When you look at this objectively, and you do that in a measured way, you’re then allowing your money to grow and it completely tax-free environment going forward. In retirement you are able to take those funds out tax-free later if you are retired age 72 or older.

Don’t forget about the required minimum distribution from your retirement accounts each year. If you don’t take that from your qualified account from your IRA or other qualified accounts, there’s a stiff penalty. It’s 50% of what it should be. As a side note that requirement was suspended in 2020 but activated for 2021.

If you are a homeowner, you can make an extra mortgage payment on December 31st, you may be able to claim that additional interest paid as a tax deduction in the tax year paid.

At Crown Haven Wealth Advisors we know part of a solid financial plan is proper tax preparation is to review your financial goals. If you want to experience the holistic way we approach financial planning with our RetireSHIELD® plan please feel free to schedule a complimentary appointment online. We can meet in-person or via zoom call.

Longevity Annuities And What You Should Know

Longevity Annuities

Longevity annuities and what you should Know. In our many years of helping clients plan for retirement, we have noticed on Longevity annuities can protect against outliving savings. But not many buy…

Casey just saw the article “Longevity annuities can be a good deal for seniors. But not many people buy them” posted to Crown Haven Wealth Advisors has long believed in annuities as a great retirement.

The more popular and broadly known variable annuities saw sales of $99 billion last year. In contrast, the umbrella of deferred income annuities of which longevity annuities are a subset saw $1.7 billion in sales in 2020, according to LIMRA, an insurance industry group.

According to the article… “The mismatch is largely due to the psychological hurdle of handing over a large sum of money that won’t yield a benefit if one doesn’t survive another 20 or so years, Blanchett said.

The reason we see this being true is that it’s easier to ask a client for smaller deposits of money on a regular basis to get a quick sale even though it may not be the best investment vehicle for the client.

Since our inception, Crown Haven has been a fee-based fiduciary advisor for our clients, always using the Fiduciary Standard as the bedrock of our planning philosophy.

We used this philosophy to create RetireSHIELD® that is a registered financial planning system to make sure you have the most appropriate setup for retirement.

If you are interested in knowing more you are invited to schedule a complimentary appointment to learn more. Just visit our scheduling page to pick a time that is convenient for you. You can also choose between an office visit or Zoom.

Longevity annuities can be a good deal for seniors. But not many people buy them.
Read the full article at

Financial Advice On Cybersecurity & Ransomware

Fox 59 Indianapolis just interviewed our very own Casey Marx for financial advice on cybersecurity and ransomware.

New data shows ransomware attacks have increased by more than 90% in the last 6 months and it’s not just affecting businesses but anyone can lose a lot of money and time mitigating the damage from compromised information. Watch the video to learn what you should do and what you should know to avoid cyber crimes against you and your family.

Highlights of the Financial Advice On Cybersecurity & Ransomware interview include:

  1. Keep track of your finances.
  2. Don’t use the same one for more than one site. Use something that will auto generate passwords so they are unique.
  3. Don’t give out your social security number unless you’re really trust who are where you’re giving it to.
  4. If you get a suspicious email contact the company directly to see if it came from them something else to do check your bank accounts and credit cards on a regular basis to make sure there are no unrecognized charges. Typically banks won’t notify you.
  5. Update your computer or phone software that’s because the newest software can catch many of the scams associated with the crypto and ransomware attacks.
  6. Monitor your credit score many services can do it for you a lot of those are free either way.

If you become a victim of cybercrime, report it to your bank immediately and they will put a credit freeze on your account to stop money from being charged or moved from your accounts. Take it a step further and also make a report to the Federal Trade Commission, Better Business Bureau, and the local authorities.

Crown Haven Wealth Advisors offers a complimentary financial planning and retirement planning session. Make sure you have every financial advantage going into retirement and your money is working for you and you are not working for your money.

Video: / stretching your dollar

3 Mid-Year Financial Planning Tips

Our very own Casey Marx was interviewed by Indianapolis Fox 59 News giving out his best 3 mid-year financial planning tips. Here is a summary of the interview.

  1. Mid-year is a great time to look at your spending habit for the year. You can start by analyzing your budget, look at your expenses and make sure that you’re saving more than you’re spending. The pandemic last year highlighted the need for that.
  2.  Estate planning is key because you never know what will happen. That includes having a financial power of attorney a will with a named executor regardless of age, making sure they are updated with the correct information. If you don’t, your estate goes through the courts or if you’re in the hospital, the hospital is going to determine who that person is. It’s a very difficult thing to figure out on the fly. Take care of this now.
  3. Risk capacity. Your risk tolerance changes as you get older. Maybe you don’t have money from a job coming in or another change in your life. When the utility of your money changes, you need to make sure that you are balancing the risk. It’s great if your equity positions have done well, but you want professional help to determine whether or not your investment portfolio is overweighted into any one asset class; otherwise, you could lose a lot of money all at once.

Looking for professional help managing your financial life. We created the RetireShield® financial planning approach. It covers your 401k, IRA, individual investments, tax planning, estate planning and more.

We encourage you to sign up for our complimentary financial plan review. You can meet with our team in person or via the computer. Schedule a time right now online that is convenient for you.