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Category: Taxes

Categories
Real Estate Taxes Wealth

1031 Exchange DST Investments

Selling Real Estate? A 1031 may be the right ANSWER FOR YOU.

What Is a 1031 Exchange?

Under Section 1031 of the Internal Revenue Code, a 1031 exchange allows you to defer paying capital gains taxes on the sale of an investment or business property if you reinvest the proceeds into a “like-kind” property.

💡 Key Reasons to Use a 1031 Exchange

1. Defer Capital Gains Tax

When you sell investment property, you’re typically subject to:

  • Federal capital gains tax (up to 20%)

  • State income taxes (varies)

  • Depreciation recapture tax (25%)

  • Medicare surtax (3.8% for high earners)

A 1031 exchange defers all of this, freeing up more capital to reinvest.

2. Grow Wealth with Pre-Tax Dollars

Instead of giving up 25–35% of your gains to taxes, a 1031 lets you leverage the full sale proceeds to purchase a larger or better-performing asset, thereby compounding your returns.

Example:

  • Sell a property for $1 million with a $250k gain.

  • Without a 1031: You pay ~$75,000+ in taxes.

  • With a 1031: You reinvest the full $1 million tax-deferred.

3. Upgrade or Diversify Your Portfolio

A 1031 exchange lets you:

  • Consolidate multiple properties into one larger asset.

  • Diversify into different markets or asset types (e.g., from apartments to industrial).

  • Transition into hands-off investments, such as a Delaware Statutory Trust (DST) or NNN-leased commercial properties.

4. Reset Depreciation Schedule

When you acquire a new property, you get to reset the depreciation basis—creating new tax deductions, even though you deferred taxes on the sale of the old property.

5. Estate Planning Advantage

If you hold the exchanged property until death:

  • Your heirs receive a step-up in basis, eliminating deferred gains.

  • No capital gains tax is ever paid on the exchanged properties.

This makes 1031 exchanges an effective tool for multigenerational wealth transfer.

🛑 Key Rules and Limitations

  • Like-kind requirement: Both properties must be held for investment or business (not personal use).

  • 45-day identification window: You must identify replacement properties within 45 days.

  • 180-day closing window: You must close on the new property within 180 days of the original sale.

  • Use a Qualified Intermediary (QI): You cannot touch the sale proceeds.

✅ When NOT to Use a 1031 Exchange

You may opt not to do a 1031 if:

  • You want to cash out and pay taxes now.

  • You’re expecting lower capital gains rates in the future (rare).

  • You have losses that offset gains.

WHY MIGHT YOU WANT TO USE A DST?

Delaware Statutory Trust (DST) – Real Estate / Investment

A Delaware Statutory Trust is a legally recognized trust set up for business purposes under Delaware law. In real estate, it’s commonly used to allow multiple investors to own fractional interests in large income-producing properties (like apartment buildings, industrial parks, or commercial properties). DSTs are especially popular in 1031 exchange transactions, where real estate investors can defer capital gains taxes by reinvesting in another “like-kind” property.

Key features of a DST:

  • Passive investment structure – investors don’t have active management responsibilities.

  • Eligible for 1031 exchange benefits.

  • Limited liability – similar to owning shares in an LLC.

  • Income is distributed regularly.

If a 1031 exchange deal falls short or fails, using a Delaware Statutory Trust (DST) can be a lifesaving backup strategy to preserve tax deferral and avoid costly capital gains taxes. Here’s why:

💥 When a 1031 Exchange Falls Short or Fails

1031 exchanges are bound by strict deadlines and rules:

  • You must identify replacement properties within 45 days.

  • You must close within 180 days.

  • You cannot receive the proceeds from the sale directly.

  • You must reinvest 100% of the proceeds and equal or greater debt.

If you:

  • Can’t find a replacement property in time,

  • Can’t close on the deal due to financing, title, or appraisal issues,

  • Or reinvest only part of the proceeds (“boot”),

👉 You’re exposed to immediate tax liability.

🛡️ How a DST Can Save a Failing 1031 Exchange

A DST is a form of fractional real estate ownership that qualifies as “like-kind” for 1031 purposes. It is often used in the following situations:

1. Backup Identification Option

DSTs are often pre-packaged and ready-to-close quickly. Investors can:

  • Include a DST on their 45-day identification list.

  • If other deals fail, fall back on the DST to complete the exchange.

📌 Think of it as insurance for your 1031 exchange.

2. Fills the “Leftover Boot” Gap

Sometimes, a primary 1031 exchange covers most of the proceeds, but there’s a small leftover amount (“boot”). That portion would normally be taxable.

✅ Solution: Invest the remaining funds into a DST (many allow small minimums like $25k–$100k) to cover the boot and preserve full tax deferral.

3. Quick Closing – 1031 Time-Saver

DSTs typically:

  • Have pre-arranged financing (or none at all),

  • Require no individual loan qualification,

  • Allow fast, clean closings — sometimes within days.

This makes DSTs ideal when you’re nearing the end of your 180-day closing window and at risk of failing the exchange.

4. Hands-Off Passive Ownership

If you’ve managed property for years and now want:

  • No landlord duties,

  • Diversification across asset classes (like medical offices, industrial, multifamily),

  • Predictable monthly income,

…then a DST offers turnkey investment managed by a professional sponsor.

5. Low Minimum Investment

Unlike traditional property deals that require large down payments, DSTs often accept low minimum investments, enabling flexibility and fractional ownership.

🔄 Common Real-World Use Case

You sell a $2M rental property. You identify 2 traditional replacement properties during your 1031 window. One falls through due to a bad appraisal. The other seller backs out. You’re at day 44 of 45.

✅ A DST can be identified immediately and closed in time—saving your exchange and deferring your tax bill.

🚨 Pro Tip: Always Identify a DST Just in Case

Most sophisticated 1031 investors pre-identify a DST on their list even if they don’t plan to use it—just in case their primary deal collapses.

It’s like having a parachute.

Have a 1031 EXCHANGE BUT LOST THE DEAL?

IF YOU HAVE DONE A 1031 and your:

  1. Target Property Fell through leaving you felling freaked our
  2. Your side has more than the deal on the buy side so you are OVER and need a place to maximize your opportunity

1031 EXPRESS might be right for you!

1031 EXPRESS helps you maximize your opportunity, just call the DST GUY for details. In many cases he can help you even if you only have a few days left!!!

DST GUY 1(801)815-6619

Categories
Advice Taxes Wealth

Wealthy People, Will You Really Be Protected? Rick Peck on Tax Reductions, Thoughtful Giving, & Empty Promises

Exciting promises have been made under the new administration, suggesting a future even more prosperous and rewarding for the wealthy. With lower taxes for households earning at least $450,000 annually, their assets would be more protected and investments safeguarded. Since 1917, taxpayers have been able to access deductions through charitable donations, caring for the well-being of the disadvantaged while nurturing their economic wealth. However, with the Tax Cuts and Jobs Act (TCJA) increasing the adjusted gross income (AGI) limit for deductions of cash contributions from 50 to 60% in 2017, simultaneously nearly doubling the standard deduction and reducing marginal tax rates, fewer taxpayers have been itemizing and claiming charitable deductions.

With over 25 years of experience in philanthropy and financial services, Richard C. Peck – The Philanthropy Guy – is skeptical, encouraging donors to act now instead of waiting for political winds of change. Amidst uncertainty, he believes that immediate action is the solution, allowing donors to claim full control over their future. “The difference we make in someone’s life is timeless,” he adds. “Giving up on that sense of fulfillment for promises that may not come true seems reckless.”

This cautiousness is especially crucial given who these promises are made by, with the new administration not having the best track record of keeping political promises. Moreover, renewing the existing policy on lower taxes and exemptions will cost approximately $4.4 trillion. With volatility on the horizon, itemizing assets and trusting in what you know, not what you want to believe, is essential.

“What will you do when your tax is in flux in 2025? If the law stays the same, and you don’t prepare ahead of time, will you truly be prepared for the consequences?” he muses. “You don’t get rich by being complacent, so why should you do that now? Work with what you know, with what’s in front of you now, and get your ducks in a row with your trusted advisors before it’s too late.”

Experts support Rick’s philosophy. For instance, Sara Barba, a renowned lobbyist and Principal at Integer, LLC, a go-to firm for navigating federal policy impacting philanthropy, said in one of her LinkedIn posts: “Gone are the days of nonprofit resources being sacred. The tax-exempt sector is quite literally on the menu now. Proposals to tap charities and other nonprofits to reduce budget shortfalls in tax reform are coming from all angles. It’s such an important time for nonprofits to advocate for themselves in DC. Otherwise, the important work being done in communities will be significantly disrupted.”

To donate thoughtfully, donors must gather a trusted team of specialists who know the industry’s ins and outs and can not only react but predict outcomes. Rick, leveraging his extensive experience, offers educational resources that illuminate this landscape. In his annually updated 10 Common Charitable Giving Mistakes Made by Donors, ‘Fail to Update Your Plan & Have a Substantive Conversation’ is highlighted as a crucial mistake that leads to missed opportunities. To avoid that, the Philanthropy Guy advises paying attention to life transformations, reviewing plans when laws change, and paying attention to asset changes. In light of the recent news, forward-thinking donors should be ready for potential changes while anticipating the worst-case scenarios and – most importantly – working with what’s available and certain now.

As a new year enters from the generosity of the holiday season, humanity can’t forget about the darkness that never sleeps. The housing crisis has taken its toll, homelessness rates are rising, and people continue to struggle. Non-governmental organizations (NGOs) and nonprofits are the ones dedicated to helping those who suffer and addressing root causes – the same organizations that will pay the price if charitable giving reduces. Painting that image, Rick asks one question, “Does that make you uncomfortable?”

“It doesn’t have to be a world where being financially sound competes with being philanthropic. In a perfect universe, they merge seamlessly, with nonprofits propelled by regular streams of money and donors rewarded for their societal contributions in many ways, including financial” concludes Rick. “The only thing we know is that the future is uncertain. But there are steps that can be taken to prepare yourself for the unknown: meet with your wealth advisor, accountant, attorney, business valuation specialist, and philanthropic advisor. Get the team together and prepare for all possible outcomes. If you just sit back and wait for change to happen, you’ll be stuck in the storm – a storm that, if you take action early enough, may be avoided through the power of giving.”

Categories
Strategy Taxes Wealth

Why Convertible Debt is on the Rise in 2025 – And Why Your Corporate Structure Matters

Why Convertible Debt is on the Rise in 2025 – And Why Your Corporate Structure Matters

In 2025, businesses are leveraging Convertible Debt more than ever to secure funding without immediate equity dilution. This flexible financing tool is becoming a go-to strategy for startups and growth-stage companies looking to attract investors while maintaining control. But while Convertible Debt offers incredible advantages, one overlooked factor can make or break the deal—your corporate structure and compliance.

The Rise of Convertible Debt

As traditional lending tightens and equity investors become more cautious, Convertible Debt has surged in popularity. It provides businesses with immediate capital without forcing founders to give up ownership prematurely. Investors benefit from a lower-risk opportunity, as their loan can convert into equity if the company succeeds.

However, without the right corporate structure and legal agreements in place, Convertible Debt can turn into a nightmare. Investors want to know their money is protected, and improper structuring could lead to disputes, tax inefficiencies, or even legal battles.

Why Corporate Structure & Compliance Are Critical

Before seeking Convertible Debt, businesses must ensure they have:

✅ A Properly Formed Entity – A well-structured Corporation or LLC provides liability protection, ensures tax efficiency, and reassures investors that the business is built to scale.

✅ Operating Agreements & Compliance Documents – Investors want clarity. Detailed agreements outlining conversion terms, voting rights, and exit strategies prevent conflicts down the road.

✅ Asset Protection Strategies – A business without proper protections is risky. Structuring your assets correctly shields you from unforeseen liabilities and enhances investor confidence.

✅ Tax-Efficient Structuring – The right corporate setup can help minimize tax burdens and maximize profitability, making the business more attractive to potential investors.

Secure Your Future – Get Structured the Right Way

If you’re considering raising capital through Convertible Debt, don’t risk making costly mistakes. Ensure your business is structured correctly and compliant before negotiations begin. At Controllers, Ltd., we help businesses like yours build solid foundations for growth while protecting assets, minimizing taxes, and securing investor confidence.

Schedule a complimentary strategy session today and position your business for success in 2025! Call us at 775-384-8124 to get started. 🚀

Categories
Capital Real Estate Taxes

The Power of Shifting Your Mindset Around Money: A Path to Financial Freedom

The way you think about money has a profound impact on how it shows up in your life. Whether you believe that you’re not good enough because you had to file for bankruptcy, or that you need a lot of money to be happy, or that money is the root of all evil—these beliefs shape your relationship with wealth. It’s time to pause, take a deep breath, and deeply examine your mindset around finances. Money, in essence, is a tool—a powerful instrument that can either work for you or against you, depending on how you view it. Is it a reward for hard work? Is it something you use to create wealth, or does it represent fear and division in your life?

 

Get a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist. Sign up now For a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist

 

Start Where You Are: Understanding Your Financial Mindset

 

Step one in transforming your financial life is simple: start where you are. Take a moment to reflect on your current financial situation. Ask yourself, what scares you about prosperity? What fears do you have around creating wealth and financial growth? Many people desire financial breakthroughs, but they often rush into strategies without first examining their beliefs around money. Before you can create income you will never outlive, it’s essential to understand the current framework of your thoughts. Are you thinking about money as something scarce, or do you view it as a flowing resource that can continually grow?

 

By recognizing your mindset, you can begin to shift your focus from scarcity to abundance. Realizing that you can create wealth from where you are, no matter your starting point, is the first critical step toward financial freedom.

 

Who’s Depositing into Your Financial Mindset?

 

Another important factor in your financial growth is the people around you. Consider who you spend your time with. Are the conversations you’re having about money uplifting? Do they inspire you to create wealth, or are they centered around financial struggle? If the people in your life are constantly robbing Peter to pay Paul, they may be making withdrawals from your prosperity rather than depositing into it.

 

Surround yourself with those who have a growth mindset when it comes to finances. Seek out individuals who are planning for the future, discussing wealth-building strategies, and helping each other create income that will sustain them for life. Your environment is crucial to your financial health—so curate it wisely. The people you spend the most time with should be part of your financial support system, encouraging financial growth and personal development.

 

Transform Your Community’s Wealth Mindset

 

Once you’ve begun to understand your own beliefs around money, it’s time to look at your larger community. What are the common discussions around wealth? Are your friends constantly talking about struggle, or are they talking about investment, growth, and the creation of financial security? It’s essential to future-forecast, not just for yourself, but as a collective community. Imagine being part of a network where creating wealth is a shared goal, and financial growth is a common conversation. Imagine being surrounded by people who create income they will never outlive. That kind of support system can change everything.

 

It’s not enough to think about your personal financial journey; it’s also important to uplift those around you. The more you engage in meaningful conversations about wealth, the more you contribute to the financial growth of your entire community. By encouraging others to shift their mindsets, you can collectively create a stronger, more prosperous future.

 

The Path to Abundance

 

Money, when used wisely, can be a powerful tool for creating a fulfilling life. By examining your current beliefs, surrounding yourself with a positive financial community, and consistently working toward financial growth, you can break through the barriers that have held you back. The road to creating wealth and achieving financial freedom doesn’t require extraordinary luck or sudden windfalls. It requires a shift in mindset—a belief that you have the power to create income you will never outlive and the determination to make that belief a reality.

 

Start today. Reflect on where you are, challenge your fears about prosperity, and build a supportive network that will help you grow. With the right mindset and community, creating wealth and achieving long-lasting financial security is not just possible—it’s inevitable.

 

Find me on linktr.ee/healthymoneyhappylife

Do you have questions? Email me at Kris@HealthyMoneyHappyLife.com

Phone (951) 926-4158

Categories
Advice Strategy Taxes

How Oil & Gas Investments Can Lower Your Tax Liability: Corporation or LLC?

How Oil & Gas Investment Can Lower Your Tax Liability: Corporation or LLC? **

Are you looking for effective ways to lower your tax liability? Dive into the world of Oil & Gas investments. Not only can these investments provide financial returns, but they also offer significant tax benefits. The question is, should you hold these investments through a corporation or LLC? Let’s explore the advantages of each.

**1. Tax Benefits of Oil & Gas Investments: **

   – **Intangible Drilling Costs (IDCs):**

When you invest in Oil & Gas, a significant portion of your initial investment may be classified as IDCs. These costs can be deducted in the year they occur, providing an immediate tax benefit.

   – **Depletion Allowance: **

As you extract oil or gas, you can deduct a percentage of the revenue as a depletion allowance. This deduction can significantly reduce your taxable income.

   – **Bonus Depreciation: **

Certain Oil & Gas investments qualify for bonus depreciation, allowing you to deduct a substantial portion of the investment in the first year.

   – **Tax Credits: **

Some Oil & Gas investments offer tax credits, such as the Enhanced Oil Recovery Credit or the Marginal Well Production Credit, further reducing your tax liability.

**2. Corporation vs. LLC: **

   – **Corporation: **

Holding Oil & Gas investments in a corporation can provide limited liability protection. However, the tax treatment of these investments in a corporation can be less favorable than in an LLC. Corporations are subject to double taxation, meaning that both the corporation and the shareholders are taxed on profits. This can result in higher overall taxes.

   – **LLC: **

Holding Oil & Gas investments in an LLC allows for pass-through taxation. This means that profits and losses from the investment are passed through to the owners and reported on their individual tax returns. LLCs also provide limited liability protection, shielding personal assets from business liabilities.

   – **Evaluate Your Options: **

Consider the tax benefits and liability protection offered by both Corporations and LLCs. Consult with a tax professional or financial advisor to determine the best structure for your Oil & Gas investments.

   – **Start Investing: **

Take advantage of the tax benefits of Oil & Gas investments by starting your investment journey today. Whether you choose a corporation or LLC, these investments can help lower your tax liability while potentially providing lucrative returns.

Oil & Gas investments offer a compelling opportunity to lower your tax liability while diversifying your investment portfolio. Whether you choose to hold these investments through a corporation or LLC, the tax benefits can be substantial. Evaluate your options carefully and start investing in Oil & Gas to reap the rewards of lower taxes and financial growth.

To discuss this in more detail, schedule a call with one of my experts today www.calendly.com/stephan-controllers or call my office at 775-384-8124.

Categories
Accounting Growth Taxes

Best Investing Books

Best Investing Books

How to pick a great investing book?

Check out C-Suite Network Best Sellers List

A great investing book typically encompasses several key attributes that make it valuable, educational, and impactful for readers who want to improve their understanding of investing. Here are some characteristics that contribute to the quality of an investing book:

1. Author Expertise and Credibility

  • The author should have proven experience and a strong track record in the field of investing. This could be through practical experience, academic research, or a combination of both.

2. Comprehensive Coverage

  • A great investing book covers a wide range of topics relevant to the subject, providing a thorough understanding of the field. This includes fundamental concepts, different investment strategies, market analysis, and risk management.

3. Clarity and Accessibility

  • The book should present information in a clear and understandable manner, making complex concepts accessible to readers with varying levels of prior knowledge. Good use of examples, case studies, and explanations helps demystify investing.

4. Practical Insights and Applications

  • It should offer practical advice and actionable strategies that readers can apply to their own investing activities. Real-world examples and case studies enhance the learning experience and demonstrate the application of theoretical concepts.

5. Evidence-Based Approach

  • The book should be grounded in solid research and empirical evidence, providing data and analysis to support its recommendations and conclusions. This adds to the credibility and reliability of the information presented.

6. Timelessness and Relevance

  • While some investing books focus on current trends or short-term tactics, the best ones offer insights that remain relevant over time, teaching principles that can be applied in various market conditions.

7. Critical Thinking and Innovation

  • A great investing book often challenges conventional wisdom and encourages readers to think critically about different aspects of investing. It may introduce innovative ideas or perspectives that provoke thought and further exploration.

8. Ethical and Responsible Investing

  • It should also consider the ethical implications of investing, promoting responsible and sustainable investment practices that consider the broader impact on society and the environment.

9. Reader Reviews and Endorsements

  • Positive feedback from readers and endorsements from other respected professionals in the field can be indicators of a book’s value and effectiveness.

10. Engaging Writing Style

  • The book should be engaging and interesting to read, with a writing style that keeps the reader’s attention and makes the learning process enjoyable.

In summary, a great investing book is one that is informative, practical, and insightful, written by a credible author, and capable of standing the test of time. It should educate and inspire readers to make informed and ethical investment decisions.

Check out C-Suite Network Best Sellers List

Different Types of Alternative Investing?

Alternative investments refer to financial assets that do not fall into the conventional investment categories of stocks, bonds, and cash. These investments can provide diversification, hedge against market volatility, and offer potential for high returns. Here are the top 25 alternative investments:

  1. Real Estate: Investing in residential, commercial, or industrial properties.
  2. Private Equity: Investing in private companies through venture capital, buyouts, or direct investments.
  3. Hedge Funds: Pooled investment funds that employ different strategies to earn active returns for their investors in asset classes like technology, whisky casks, and transportation.
  4. Commodities: Investing in physical goods like gold, oil, agricultural products, etc.
  5. Private Debt: Lending money to private companies or buying their debt securities.
  6. Infrastructure: Investing in physical systems like transportation, utilities, and telecommunications.
  7. Collectibles: Investing in valuable items like art, antiques, coins, or wine.
  8. Real Estate Investment Trusts (REITs): Companies that own, operate, or finance income-producing real estate.
  9. Precious Metals: Investing in gold, silver, platinum, and other precious metals.
  10. Farmland/Forestry: Investing in agricultural or forested land.
  11. Cryptocurrency: Digital or virtual currencies that use cryptography for security.
  12. Peer-to-Peer Lending: Lending money to individuals or businesses through online platforms.
  13. Royalties: Investing in the rights to receive future payments based on the performance of an asset (like music, patents, etc.).
  14. Structured Products: Pre-packaged investment strategies based on derivatives and other financial instruments.
  15. Annuities: Financial products that provide regular payments in exchange for an initial investment.
  16. Art Investment: Purchasing pieces of art as a financial asset.
  17. Derivatives: Financial securities whose value is derived from an underlying asset or group of assets.
  18. Luxury Goods: Investing in high-value items like watches, jewelry, and designer fashion.
  19. Tax Liens: Investing in tax lien certificates issued by government municipalities.
  20. Distressed Debt: Buying the debt of companies that are in financial distress or bankruptcy.
  21. Film and Entertainment: Investing in movie productions, music projects, or other entertainment ventures.
  22. Renewable Energy Projects: Investing in solar, wind, hydro, or other renewable energy projects.
  23. Carbon Credits: Investing in certificates that represent the right to emit a certain amount of carbon dioxide or other greenhouse gases.
  24. Maritime Finance: Investing in shipping vessels and related infrastructure.
  25. Rare Books and Manuscripts: Collecting and investing in historical or rare literary works.

Investment Checklist

Scoring an investment involves evaluating its potential risks and returns using various methods. These methods help investors decide whether an investment aligns with their goals, risk tolerance, and investment strategy. Here are some common methods used to score or evaluate investments:

1. Financial Ratio Analysis

  • Return on Investment (ROI): Measures the gain or loss generated on an investment relative to the amount of money invested.
  • Price-to-Earnings (P/E) Ratio: Assesses the company’s current share price relative to its per-share earnings.
  • Debt-to-Equity Ratio: Indicates the relative proportion of shareholder’s equity and debt used to finance a company’s assets.

2. Fundamental Analysis

  • Earnings Growth: Evaluates the company’s year-over-year earnings growth to assess its profitability potential.
  • Revenue Growth: Looks at the sales growth to understand the company’s market demand and operational efficiency.
  • Industry Position: Assesses the company’s position within its industry, including market share and competitive advantages.

3. Technical Analysis

  • Trend Analysis: Uses historical price data and charts to predict future movements based on past trends.
  • Volume Analysis: Examines trading volume as an indicator of the strength or weakness of a price trend.
  • Moving Averages: Analyzes the average price of a security over a specific period to smooth out price data and identify trends.

4. Quantitative Analysis

  • Monte Carlo Simulation: Uses probability distributions to model and predict different outcomes for an investment’s return.
  • Discounted Cash Flow (DCF): Estimates the value of an investment based on its expected future cash flows, discounted back to their present value.

5. Qualitative Analysis

  • Management Quality: Evaluates the experience, track record, and leadership skills of a company’s management team.
  • Brand Strength: Considers the value of the company’s brand and its impact on consumer loyalty and pricing power.
  • Regulatory Environment: Assesses the impact of current and potential regulations on the company’s operations and profitability.

6. Risk Assessment

  • Volatility: Measures the degree of variation in investment returns over a certain period, often using the standard deviation.
  • Beta: Evaluates the sensitivity of an investment’s returns in relation to the overall market’s returns.
  • Value at Risk (VaR): Estimates the maximum potential loss of an investment over a specified time frame at a certain confidence level.

7. ESG (Environmental, Social, and Governance) Criteria

  • Environmental Impact: Assesses the company’s stewardship of the environment.
  • Social Responsibility: Evaluates how the company manages relationships with employees, suppliers, customers, and communities.
  • Governance Practices: Looks at the company’s leadership, executive pay, audits, internal controls, and shareholder rights.

Each of these methods provides a different lens through which to view an investment, and they can be used in combination to get a comprehensive picture of an investment’s potential risks and returns. The choice of method depends on the investor’s individual preferences, investment style, and the specific characteristics of the investment being evaluated.

Check out C-Suite Network Best Sellers List

Best Seller Book List by C-SUITE NETWORK

 

 

Categories
Accounting Capital Taxes

Thriving Through Adversity Transformative Ways to Embrace Life’s Unpredictability

The journey of life is filled with unpredictability, where unforeseen events have the potential to alter our existence in the blink of an eye. Whether it manifests as an abrupt health obstacle or an unexpected turn of destiny, confronting a disability can present formidable challenges. However, amid these challenges, there exist opportunities not only for survival but for flourishing. Within this empowering article, we will delve into ten transformative strategies, guiding you not merely through adversity but towards a path of strength, enabling you to create wealth, attain financial growth, and establish an enduring income that transcends the boundaries of time.

 

Build a Safety Net:

Create a foundation for financial growth by establishing a dedicated deposit account. This account acts as a safety net, allowing you to consistently set aside funds for future contingencies. This financial cushion is not just about surviving; it’s about creating wealth that will provide peace of mind and the means to address unexpected challenges.

Get a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist. Sign up now For a FREE Financial Fitness Strategy Session with Kris Miller, LDA and Legacy Wealth Strategist

 

Secure Comprehensive Insurance:

In the pursuit of financial growth, explore insurance options offering comprehensive coverage for disabilities. Having the right insurance policies in place creates a secure financial environment, ensuring that you have the necessary resources to meet your basic needs, thereby fostering wealth creation even in challenging circumstances.

Embrace Financial Security:

Strive for financial security tailored to your specific circumstances. Whether through disability benefits, government assistance, or personal investments, establishing a solid financial foundation is essential. This financial security is the cornerstone of creating wealth that will endure and sustain your well-being.

Harness Physical and Monetary Securities:

Look for resources that provide both physical and monetary assistance. From accessible housing options to financial aid programs, these resources contribute to financial growth and physical well-being. Building income that you will never outlive involves leveraging both tangible and monetary assets.

Maximize Your Earning Potential:

Your disability should not limit your potential for financial growth. Explore job opportunities aligned with your abilities and talents. By maximizing your earning potential, you not only meet your basic needs but also create income you will never outlive, finding fulfillment and purpose in your work.

Seek Vocational Rehabilitation:

Engage in vocational rehabilitation programs designed to enhance your skills and resources for reentering the workforce. These programs equip you with tools that contribute to financial growth, ensuring meaningful employment and financial independence.

Tap into Community Support:

Building wealth goes beyond finances; it extends to community support. Connect with local disability support networks and organizations that provide valuable resources and guidance. This supportive community understands the challenges you face, fostering a collective effort towards financial growth and creating wealth together.

Advocate for Your Rights:

Be an active advocate for your rights as a person with a disability. Understanding the laws and regulations protecting individuals in similar situations is crucial for building income that you will never outlive. By asserting your rights, you ensure access to essential services and support, contributing to both financial growth and personal well-being.

Budget and Prioritize:

Creating a budget aligned with your income and expenses is fundamental for both financial growth and stability. Prioritize basic needs, leaving room for enjoyment and personal growth. A balanced budget contributes to wealth creation and ensures you have the resources to thrive in various aspects of life.

Cultivate a Positive Mindset:

Above all, nurture a positive mindset and embrace a resilient spirit. Believe in your ability to overcome challenges and live a fulfilling life. Surround yourself with a supportive network of friends and loved ones who uplift and inspire you on your journey to create wealth, achieve financial growth, and build an income you will never outlive.

Remember, your disability does not define you. With the right tools The #1 Program For Safe Money Strategies, mindset, and support , you can meet your basic needs and create a life filled with joy, purpose, and independence. Together, let’s unlock the potential within you and unleash your strength to conquer any obstacle that comes your way.

Find me on linktr.ee/healthymoneyhappylife

Do you have questions? Email me at Kris@HealthyMoneyHappyLIfe.com

Phone (951) 926-4158

Categories
Capital Economics Taxes

Securing the Future: Estate Planning for Beloved Pets

Pets, our faithful companions, though lacking the legal rights humans enjoy, unquestionably deserve care and affection. The bond we share with them goes beyond words, founded on mutual trust and love. While they may not advocate for themselves in our legal systems, we hold the power to ensure their well-being, even in our absence. Create Wealth, Financial Growth, and Create income you will never outlive are integral to securing a bright future for our cherished pets.

 

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Envision a world where our furry friends are left without guardianship, devoid of the love and care they’ve always known. This unfortunate scenario unfolds far too frequently when the fate of our beloved pets isn’t carefully considered. However, there’s hope: estate planning empowers us to safeguard our pets’ futures, ensuring they receive the care they deserve while contributing to our financial stability through Create Wealth, Financial Growth, and Create income you will never outlive strategies.

 

Estate Planning: Fusing Love with Legacy

 

For many of us, our pets are cherished members of the family, and it’s only natural to want the best for them, even when we’re no longer present. Estate planning for pets, embraced by responsible pet owners and even celebrities like Betty White and Oprah Winfrey, offers avenues for ensuring our pets’ well-being and advancing our Create Wealth, Financial Growth, and Create income you will never outlive goals.

 

Crafting a Pet Will: A pet will is a legal instrument that ensures our pets are cared for when we’re no longer around. It goes beyond mere provision, allocating resources to guarantee our pets’ comfort and essential needs like food, veterinary care, and day-to-day maintenance. By integrating our pets into our estate plans, we secure their welfare while bolstering our Create Wealth, Financial Growth, and Create income you will never outlive objectives.

 

Advantage: Provides financial support for our pet’s well-being, allowing us to specify their care requirements, thereby aligning with our Create Wealth, Financial Growth, and Create income you will never outlive aspirations.

 

Disadvantage: While expressing our wishes, a will lacks the legal authority to enforce them rigorously, potentially jeopardizing our pets’ welfare and impacting our Create Wealth, Financial Growth, and Create income you will never outlive strategies.

 

Establishing a Pet Trust: For those seeking a more robust and legally binding solution, a pet trust is a formidable tool in estate planning. Unlike a will, a trust offers detailed instructions to a trustee, ensuring our pets’ care precisely mirrors our desires. We can allocate assets to the trust, with a designated trustee managing them for our pet’s benefit, thus supporting our Create Wealth, Financial Growth, and Create income you will never outlive goals.

 

Advantage: Ensures our pet’s well-being aligns precisely with our vision, furthering our Create Wealth, Financial Growth, and Create income you will never outlive strategies.

 

Disadvantage: Establishing a pet trust may entail complexity and time-consuming legal processes, momentarily diverting attention from our Create Wealth, Financial Growth, and Create income you will never outlive pursuits.

 

Reliable Friends and Family: Sometimes, the simplest solutions prove most effective. Entrusting our pets to a trusted family member or friend is a straightforward yet informal arrangement. While this may not directly influence our Create Wealth, Financial Growth, and Create income you will never outlive strategies, it ensures our pets receive the care they deserve.

 

Advantage: Simple to establish and devoid of financial complexities, allowing us to focus on other aspects of our Create Wealth, Financial Growth, and Create income you will never outlive plans.

 

Disadvantage: Lacks a formal agreement, potentially undermining the seriousness of the designated caregiver’s responsibility, affecting our Create Wealth, Financial Growth, and Create income you will never outlive endeavors.

 

Choosing the Path of Love and Security

 

Securing our pets’ future is a deeply personal journey, with each option presenting its merits and considerations. While a will offers financial support, a trust provides legal assurances. Entrusting a friend or family member is simple yet informal. As responsible pet owners, the decisions we make today resonate throughout our pets’ lives, ensuring their ongoing happiness and well-being. Estate planning for our pets isn’t merely a legal obligation; it’s a testament to the love and care we hold for our furry companions, harmonizing with our Create Wealth, Financial Growth, and Create income you will never outlive aspirations.

 

Reflect on this: how do you wish to be remembered in the eyes of your pets? As their guardian, protector, and source of love and security. With diligent estate planning, we can leave behind a legacy of love, ensuring our beloved companions always have a home filled with care and affection, even in our absence, while also contributing to our Create Wealth, Financial Growth, and Create income you will never outlive pursuits by going to The #1 Program For Safe Money Strategies.

 

Find me on linktr.ee/healthymoneyhappylife

Do you have questions? Email me at Kris@HealthyMoneyHappyLIfe.com

Phone (951) 926-4158

Categories
Capital Real Estate Taxes

Crafting Financial Freedom: Seizing Control of Your Retirement Destiny

In the vast expanse of the modern economy, where uncertainty looms like a shadow over retirement plans, it’s understandable to feel a sense of trepidation. For many older Americans, the volatility of the market has turned their golden years into a time of grasping at fading dreams. As 401Ks and IRAs sway perilously in the winds of financial markets, the grim choice of postponing retirement or struggling to make ends meet becomes an all too real dilemma.

 

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Yet, amidst this uncertainty, there exists a thrilling twist for those aged 35 to 54—a chance to seize the reins of their financial destiny and craft a different narrative. It’s a tale of resilience, prosperity, and unwavering security in the face of economic turbulence.

 

The first rule of this exhilarating financial adventure is to bypass the stock market gamble. Avoiding the high-stakes game that stocks and variable annuities present is paramount. Instead, focus on investment avenues that promise not only safety but robust returns. Create wealth by redirecting your funds towards safer harbors, freeing yourself from the unpredictable swings of the market.

 

For those just embarking on their retirement savings journey, the art of saving is a powerful tool. Even amidst economic turbulence, every dollar saved sets a course toward financial growth. Sacrificing a few luxuries now can snowball into substantial savings over time, Create income you will never outlive.

 

As you navigate this journey, consider unlocking the potential of Indexed Universal Life Insurance policies (IULs). These hidden gems merge a cash growth account with life insurance, offering a unique avenue for financial growth. With the ability to accumulate market-linked interest and provide tax-free withdrawals, IULs serve as a shield against rising taxes and market volatility. They offer stability and security, creating income you will never outlive.

 

Ideal for individuals aged 35 to 54, IULs provide ample time for wealth growth, typically yielding six to eight percent in interest. Whether you’re starting your retirement savings journey or seeking to reallocate existing funds, exploring the potential of IULs can script a brighter financial future.

 

In the end, the key lies in taking action. Knowledge without action remains inert. By understanding where your money resides and ensuring it’s nestled in secure investments, you pave the way for a retirement free from financial worries by going to The #1 Program For Safe Money Strategies. Regardless of age, now is the time to blueprint your golden years, creating wealth and financial security that will stand the test of time. After all, retirement may seem distant, but it’s a reality that sneaks up sooner than you expect.

 

Find me on linktr.ee/healthymoneyhappylife

Do you have questions? Email me at Kris@HealthyMoneyHappyLIfe.com

Phone (951) 926-4158

Categories
Capital Economics Taxes

Embrace PREtirement: Securing Your Financial Future with Wisdom and Purpose

When the term “retirement” arises, many envision elderly individuals relishing their golden years. However, the truth is that retirement transcends mere aging; it’s about attaining financial stability and autonomy. This notion of retirement isn’t bound by age, and preparations should commence as early as feasible. Enter the concept of “PREtirement,” an anticipatory method to secure your future amidst life’s unpredictabilities. Within the pages of our guidebook, “Ready for PREtirement,” we explore the core of achieving autonomy, even amidst unforeseen hurdles, while also offering crucial retirement planning tactics for the contemporary era.

 

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PREtirement challenges the traditional notion of retirement, emphasizing the significance of financial stability and self-sufficiency at any stage of life. It’s about laying the groundwork to create wealth and ensuring that you have the means to maintain an independent lifestyle, even if unforeseen circumstances derail your plans.

 

Life is unpredictable, and unforeseen events can disrupt even the most carefully laid financial plans. Whether it’s a sudden health issue, a career setback, or economic turbulence, these events can significantly impact your ability to maintain financial growth and live independently. The “Ready for PREtirement” guidebook acknowledges these uncertainties and provides actionable steps to mitigate their effects.

 

Unlike conventional retirement guides that offer generic advice, “Ready for PREtirement” addresses the unique challenges of the modern world. From navigating gig economies to understanding evolving investment landscapes, this guidebook equips you with practical strategies that foster financial growth and are relevant to today’s economic realities.

 

One of the standout features of “Ready for PREtirement” is its commitment to demystifying complex financial concepts. Many individuals feel overwhelmed by the jargon surrounding money management and investing. This guidebook simplifies these topics, ensuring that readers of all backgrounds can grasp the essentials of building and maintaining wealth.

 

“Ready for PREtirement” doesn’t just provide theoretical knowledge; it empowers you with actionable tools to create income you will never outlive. The guidebook offers step-by-step instructions for implementing financial strategies, initiating investments, and crafting a comprehensive plan that aligns with your goals. By offering practical tools, the guidebook ensures that readers can take immediate steps toward securing their financial future.

 

Delaying financial planning until retirement age is a common pitfall. The guidebook’s mantra of “Don’t wait till it’s too late” underscores the urgency of taking proactive steps. The earlier you embark on your PREtirement journey, the better equipped you’ll be to navigate life’s uncertainties while securing your independence and fostering financial growth.

 

Retirement planning is not reserved for the elderly; it’s a lifelong endeavor that demands attention regardless of your current age. “Ready for PREtirement” redefines the traditional retirement concept, emphasizing the importance of financial independence and creating wealth at all stages of life. By providing accessible language, practical tools, and relevant strategies, this guidebook ensures that you’re well-prepared for whatever life throws your way. So why wait? Get ready for PREtirement and take control of your financial future now by going to The #1 Program For Safe Money Strategies.