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Crown Haven Wealth Advisors Carmel, Indiana

Crown Haven Wealth Advisors

Specializing in working with retirees and pre-retirees in developing investment, income and estate plans in the Carmel and Indianapolis areas of Indiana.

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Blog

5/16/22 Wealth Management Insights

Stuck in a Rut – The losing streak for the Dow extended to seven weeks the longest such string for that index in decades-while the S&P 500 and NASDAQ fell for the sixth week in a row. Each index dropped around 2% to 3% and the S&P 500 retreated to its lowest level since March 2021.

Powell’s Second Term – The U.S. Senate on Thursday voted 80 to 19 to approve a second four year term for U.S. Federal Reserve Chair Jerome Powell. The 69-year-old was initially appointed by President Trump in 2018, and President Biden reappointed Powell this year.

Buyback Record – The value of stock that companies in the S&P 500 repurchased in the 12 month period ended March 31 broke a record, according to S&P Dow Jones Indices. As of Friday, buybacks totaled $953 billion so far-not all companies have reported their first quarter buyback figures-surpassing the previous record of $882 billion set in the 12 months ended December 31, 2021.

Top News to Watch this Week
Return to Bonds – Prices of U.S. government bonds mounted a modest comeback, sending the yield of the 10-year U.S. Treasury bond down to around 2.93% on Friday. That marked a big reversal from the previous week, when the 10-year yield rose to 3.13% after eclipsing the 3.00% level for the first time since November 2018.

How much would you pay for a more secure retirement? How does zero dollars sound? For a limited time, Crown Haven Wealth Advisors, Indiana’s most trusted fiduciary, is opening up spots for our free financial planning sessions. These are challenging times. So we are happy to meet with you online or in our offices in Carmel. It costs you nothing to create a plan for a dependable future.  Click here to schedule a complimentary relationship visit or call (317) 564-4691 to speak with one of our specialists.

5/09/22 Wealth Management Insights

Losing Traction – The major U.S. indexes fell for the fifth week in a row after a rapid shift in sentiment sent stocks reeling on Thursday. On Friday, an employment report showed that the economy generated 428,000 jobs in April, and the major indexes ended up with relatively modest weekly declines: -1.5% for the NASDAQ and about -0.2% for the S&P 500 and Dow.

3.00% + Yields – Prices of government bonds fell, sending the yield of the 10-year U.S. Treasury Bond surging late in the week. The yield jumped from 2.92% to 3.07% on Thursday before climbing to 3.13% on Friday, the highest level since November 2018. As recently as mid-2020, the yield was around 0.50%.

GDP Speed Bump? – The U.S. economy reversed course in this year’s first quarter when it shrank at an annual rate of 1.4% after posting full-year growth of 5.7% in 2021. While many economists believe the first-quarter setback was temporary, it marked the worst quarterly GDP result since the second quarter of 2020, when the pandemic triggered a brief recession.

Top News to Watch this Week
Price Check – A Consumer Price Index report scheduled to be released on Wednesday will show whether the U.S. economy got any relief in April from surging inflation. A month earlier, the government reported that inflation accelerated in March at an 8.5% annual rate, the highest since 1981-eclipsing the previous month’s 7.9% figure.

If you are in the Indianapolis area and looking for financial advice we are happy to have the meeting with you in person at our offices in Carmel, Indiana, by Zoom or over the phone. Visit our “Schedule An Appointment” page and book a 15-minute “Relationship Building Call” to start the process. The goal during this brief conversation is to understand what your unique goals and objectives are and whether or not Crown Haven can serve as an ideal fit to help.

5/02/22 Wealth Management Insights

Top News Of Last Week

April Showers – There was no relief for the stock market in April on the heels of a tough first quarter. The major indexes were all down for the month, with the NASDAQ sustaining the biggest decline at more than 13%-its worst month since October 2008-amid broad weakness for technology stocks. The S&P 500 was down nearly 9% and the Dow almost 5%

Dollar in Demand – The U.S. dollar’s value versus a basket of other major currencies climbed on Thursday to the highest level since March 2020, when the coronavirus pandemic sent stocks plummeting and investors piling into the dollar. The greenback has surged this year amid a diminished outlook for the global economy and policy tightening by the U.S. Federal Reserve.

GDP Speed Bump? – The U.S. economy reversed course in this year’s first quarter, when it shrank at an annual rate of 1.4% after posting full-year growth of 5.7% in 2021. While many economists believe the first-quarter setback was temporary, it marked the worst quarterly GDP result since the second quarter of 2020, when the pandemic triggered a brief recession.

Top News Of The Week

Fed Ahead- In addition to a monthly jobs report scheduled to be released on Friday, the new week’s agenda includes a policy meeting of the U.S. Federal Reserve that concludes on Wednesday. Policymakers are widely expected to approve an interest-rate increase of half a percentage point-twice as big as the quarter point increase approved in mid-March.

If you are in the Indianapolis area and looking for financial advice we are happy to have the meeting with you in person at our offices in Carmel, Indiana, by Zoom or over the phone. Visit our “Schedule An Appointment” page and book a 15-minute “Relationship Building Call” to start the process. The goal during this brief conversation is to understand what your unique goals and objectives are and whether or not Crown Haven can serve as an ideal fit to help.

4/25/22 Wealth Management Insights

Here is the April, 25th edition of the Weekly Wealth Management Insights update from Crown Haven Wealth Advisors, Indiana’s #1 independent and fiduciary full-service firm.

Q1 GDP Ahead – A report scheduled to be released on Thursday will show whether the U.S. economy’s strong late 2021 momentum carried over into early 2022. The government will release its initial estimate of first-quarter GDP growth. In the previous quarter, the economy expanded at an annual rate of 6.9%; for full-year 2021, the rate was 5.7% on an inflation-adjusted basis-the fastest growth since 1984.

Peak to Valley – A strong start wasn’t enough to prevent the major U.S. stock indexes from falling for the third week in a row, resulting in declines of around 2% to 4%. The market had been on track for a positive week until Thursday morning, when stocks began a steep descent that extended into Friday amid further signs of tightening monetary policy.

Half-Point Hike? – It’s looking increasingly likely that the U.S. Federal Reserve will accelerate the pace of its interest-rate increases, based on public comments Thursday from Jerome Powell. The Fed chair said the central bank is likely to raise its benchmark rate by a half percentage point at its meeting on May 4. It’s more typical for the Fed to raise rates by a quarter point at a time, as it did in its March meeting.

U.K. Anxiety – A British stock index fell 1.4% on Friday and the pound dropped to its lowest level against the U.S. dollar since 2020. The moves came after a government report showed that U.K. retail sales fell by 1.4% in March. In addition, British consumer sentiment tumbled to its second-lowest monthly reading since records began nearly 50 years ago.

If you are in the Indianapolis area and looking for financial advice we are happy to have the meeting with you in person at our offices in Carmel, Indiana, by Zoom or over the phone. Visit our “Schedule An Appointment” page and book a 15-minute “Relationship Building Call” to start the process. The goal during this brief conversation is to understand what your unique goals and objectives are and whether or not Crown Haven can serve as an ideal fit to help.

4/18/22 Wealth Management Insights

Market Update 2022 04 18

Earnings Time – A handful of major U.S. banks kicked off earnings season with mixed results. Overall, the biggest banks are expected to suffer from difficult year-over-year comparisons to the big profits they reported earlier in the recovery from the pandemic. As of Friday, analysts were forecasting that first-quarter earnings for banks in the S&P 500 fell 37% from a year ago, according to FactSet.

Modest Retail Gain – Despite high inflation, U.S. retail sales rose by 0.5% in March, although sales slipped 0.3% when excluding gasoline purchases. The latest overall increase marked the third consecutive monthly gain in retail sales, although February’s 0.8% figure was higher than March’s number.half-point, but instead approved a smaller quarter-point increase.

8.5% Inflation – The gap has widened again between actual inflation and the 2.0% figure that the U.S. Federal Reserve maintains as its target rate for helping to foster sustainable economic growth. The government on Tuesday reported that the Consumer Price Index jumped to 8.5% in March, up from 7.9% the previous month. March’s figure is the highest since 1981.

Mortgage Stress – Entering the spring and summer homebuying seasons, potential buyers are facing a steep rise in mortgage financing costs, which could cool the housing market. The average interest rate for a 30-year fixed-rate mortgage climbed to 5.00% in the latest weekly report from the government mortgage company Freddie Mac. That’s the highest level since early 2011, and up sharply from just 2.65% as recently as January 2021.

4/11/22 Wealth Management Insight

Top News to Watch This Week

Inflation Checkup – A Consumer Price Index report scheduled to be released on Tuesday will show whether the U.S. economy got any relief in March from surging inflation. A month earlier, the government reported that inflation accelerated in February at a 7.9% annual rate the highest in four decades-eclipsing the previous month’s 7.5% figure.

Weekly Wealth Management Insight

Fed Outlook – Wednesday’s release of minutes from the U.S. Federal Reserve’s mid-March meeting showed that policymakers discussed the possibility of raising the Fed’s benchmark interest rate by a half-percentage point at a meeting scheduled early next month. At the recent meeting, officials considered raising the rate by a half-point, but instead approved a smaller quarter-point increase.

Tight Labor Market – With the U.S. unemployment rate at just 3.6%, initial applications for unemployment benefits are also dropping to unusually low levels. Thursday’s latest weekly count of unemployment claims fell to 166,000-the lowest weekly figure since 1968, and down 5,000 from the previous week.

Earnings Slowdown – Relative to recent quarters, expectations are low heading into earnings season, which opens this week as major banks begin reporting first-quarter results. As of Friday, analysts surveyed by FactSet were expecting companies in the S&P 500 to post earnings increases averaging 4.5% compared with the same period a year earlier. If the growth rate ends up close to that figure, it would mark the first time in two years that quarterly earnings growth fell short of 10%.

4/04/22 Wealth Management Insight

Top News to Watch This Week

Longer-Term View – Although Wall Street analysts have recently scaled back their expectations for quarterly earnings reports that begin coming out this month, they’ve been raising their forecasts for the rest of the year, according to FactSet. In January through March, analysts cut their first-quarter earnings estimates for companies in the S&P 500 by 0.7% while lifting them for the subsequent three quarters by 1.6%, 2.4%, and 3.9%, respectively.

Weekly Wealth Management Insight

Running in Place – Stocks started the week on a positive note but reversed course on Wednesday and Thursday, leaving the major U.S. indexes little changed overall. At the market’s weekly peak on Tuesday, the three major U.S. indexes had fully recovered the losses experienced since the beginning of Russia’s invasion of Ukraine in late February.

Yield Curve Inversion – For the first time since 2019, the yield curve inverted, as the yield of the 2-year U.S. Treasury bond rose above the yield of the 10-year bond. Such an inversion is an indicator of concerns about short-term interest-rate increases as well as the possibility that a recession could loom ahead.

Jobs Momentum – The 431,000 jobs that the U.S. economy generated in March marked the eleventh month in a row that gains have exceeded 400,000-the longest such stretch of growth in records dating to 1939. The unemployment rate fell to 3.6% from 3.8% ; wage growth rose to 5.6%.

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 you know interest rates are responding they’re going up as well and so I think folks are going to have to get used to higher prices

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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

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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.

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Crown Haven Wealth Management LLC is a state registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. Information presented is for educational purposes only and is not intended as an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.