We're available for any questions you may have in this crazy time. Let us know what's on your mind! Feel free to message us as well!
Observe, Orient, Decide, Act.
Simple and Effective.
YOUTUBE.COM
Echelon Front | OODA Loop | Dave Berke
Wow.
https://advisor.visualcapitalist.com/us-interest-rates/
An excellent read. Everyone should study this regularly.
Everyone should read this book.
Inside of any year, there have been declines (the average one has been 13.8%!). But most years have been positive. Volatility is normal, and should never be a surprise.
Dan and Brian created this group for learning and discussion. Feel free to join.
https://www.facebook.com/groups/257345978762875/?ref=share
Investing and Financial Planning for Beginners
Six of the most volatile 14 years in history have happened since 2000. Many investors have only experienced 2020, with the shortest and sharpest bear market ever. As crazy as it was, it only lasted three weeks.
2000-2002 lasted three long YEARS.
The Global Financial Crisis lasted 17 months.
Two of our three partners have guided people through all six of these years. Our third partner has guided people through three of those six. We've "seen some stuff" over the years.
Where do the rich invest?
Currency has been around for a long time. Here’s a quick #history lesson.
ATHENAPRIVATEWEALTH.COM
The History of Currency
When was the last time you checked your credit score? #CreditScore
ATHENAPRIVATEWEALTH.COM
How Does Your Credit Score Compare?
When dealing with a divorce, there are some secrets to dealing with the stress, especially when it comes to money.
ATHENAPRIVATEWEALTH.COM
Budgeting After a Divorce
Could your emergency fund use a boost? #emergencyfunds #financialfreedom #financialplanning #fiercefiduciary
Here’s a look at what goes into creating a $20 bill and what determines when a bill’s lifespan ends.
ATHENAPRIVATEWEALTH.COM
Life and Death of a Twenty Dollar Bill
There are many things within your control. Here are some basics, regardless of your income level:
1. You choose some of your expenses. From where you live to what buying that sugary drink with your meal. Everyone can reduce some expenses if they want to. It boils down to having a compelling reason, such as a level of FREEDOM and INDEPENDENCE.
2. Insurance is available to reduce the risk of financial ruin from catastrophes. You can choose to protect yourself and your family from those. Disability, death, home destruction, major surgery, and long-term care are a few.
3. Nobody knows the returns of the stock market, and we don't control interest rates. But we CAN control rhe risk we take in our portfolio. Over very long periods, there tends to be a trade-off between short-term stability and long-term return. These can be balanced to fit both you and your goals. Rather than asking people to devine the future (they cannot), focus on risk amd probabilities.
#financialfreedom
#financialplanning
#fiercefiduciary
Take Charge: Don't be a victim of identity theft.
ATHENAPRIVATEWEALTH.COM
To Catch a Thief
Focus on controllables. Too many people fixate on things outside their control. That's not a happy place, nor is it effective in planning.
Elite organizations, from sports teams to businesses, to special operations units excel amd win because they focus on what they can control. They aggressively do what they can to solve problems amd mitigate risks.
Learn what is controllable, and mitigate the risks from what is not. Then aggressively take action wherever you can.
https://anchor.fm/fiercefid/episodes/7-The-Most-Important-Financial-Planning-Questions-You-Should-Be-Asking-egfuom
#financialfreedom #financialplanning #investing #fiercefiduciary
Do you know how to avoid internet fraud? Janet does. Learn how to keep yourself safe from data thieves of all kinds.
ATHENAPRIVATEWEALTH.COM
Data Thieves from Outer Space
What does the average American budget look like? We’ve created a fun interactive piece that lets you see how your own budget compares. Read more now.
ATHENAPRIVATEWEALTH.COM
The Average American Budget
What do Americans spend more on? 1) taxes or 2) food, clothing, and shelter? Answer = 1. #IncomeTax
ATHENAPRIVATEWEALTH.COM
What Do Your Taxes Pay For?
We wouldn't assume 12%+ returns going forward for awhile yet. We recommend sticking to your risk tolerance and goals.
Risk always matters. Especially when you don't think it's there. Don't go chasing the hype with large pieces of your portfolio.
Most accepted ways to manage volatility:
1. Be infinitely patient
2. Diversify even more (international, emerging, value, small, mid, large, credit, foreign debt, commodities, real estate...)
3. Buy undervalued assets
4. Active risk management (stop limits, options, volatility timing, etc.) These are about the odds and probabilities, not prediction. Prediction of events and returns is typically folly.
Ben Franklin used compound interest to make big contributions to his two favorite cities.
ATHENAPRIVATEWEALTH.COM
The Power of Compound Interest
Committed to increasing your financial literacy? Don't be afraid to ask questions. #FinancialLiteracy
ATHENAPRIVATEWEALTH.COM
The Financial Literacy Crisis
Do you know the ins and outs of charitable giving? It's more complicated than you may think. Learn more now.
ATHENAPRIVATEWEALTH.COM
Year-End Charitable Gifting and You
Do you know the risk factors that can lead to cognitive decline? #dementia #alzheimersdisease
ATHENAPRIVATEWEALTH.COM
Avoiding Cognitive Decline
Addressing these common issues tends to create peace of mind, serenity, confidence.
Based on your current situation and behavior, are you on track to meet your goals? Have you taken uncertainty into account? Mitigated risks?
Your job is to determine what's important to you. Our job is to help you find a way to make it happen.
We can help you navigate the complex probabilities. Solving these issues can be simpler and effective.
#financialgoals
#financialfreedom
#financialplanning
#fiercefiduciary
In November, stock prices powered higher and energized investors thanks to a month-long succession of positive news events.
ATHENAPRIVATEWEALTH.COM
Monthly Market Insights | December 2020
Building a personal #legacy may be the highest order of altruism. It can begin with four simple steps.
ATHENAPRIVATEWEALTH.COM
Building Your Legacy
Do you know what all those emojis you keep seeing in your text messages mean? Here’s a handy guide.
ATHENAPRIVATEWEALTH.COM
Mastering Mobile Lingo
As usual, the book is better than the movie.
There are many similarities between baseball and investing. Read it slowly, find them, and take notes. You'll become a better investor.
#investing #fiercefiduciary
The tax rules that govern donating art are complex and confusing. #taxes #art
ATHENAPRIVATEWEALTH.COM
Donating Art: Taxation Abstraction
Increase #worker #productivity and motivate your #employees with these five simple and inexpensive ideas.
ATHENAPRIVATEWEALTH.COM
Creative Ways to Motivate Your Employees
Buying a home may be your largest financial commitment. Which loan is best for your situation?
ATHENAPRIVATEWEALTH.COM
Fixed or Variable Mortgage, Which Should You Pick?
The profit you make from the sale of your home may be tax exempt. Restrictions and limits apply. Here's why.
ATHENAPRIVATEWEALTH.COM
Tax Rules When Selling Your Home
Lifestyle inflation can be the enemy of wealth building.
ATHENAPRIVATEWEALTH.COM
Keeping Up with the Joneses
Concerned about identity theft? Some things to leave at home. #IdentityTheft
ATHENAPRIVATEWEALTH.COM
Please Leave Home Without It
Download our free 2021 Tax Planning Guide
https://s3.amazonaws.com/static.contentres.com/media/documents/b33848ae-9217-47d2-891f-5cc7d487bf6d.pdf
U.S. Service Members should consider taking advantage of programs that are available. #MilitaryFamilies
ATHENAPRIVATEWEALTH.COM
Personal Finance Tips for Military Families
A home is the single largest financial commitment for most people. What mortgage fits you best?
ATHENAPRIVATEWEALTH.COM
Choosing a Mortgage
These 6 things might make your next return a prime target for an IRS audit. #taxes #IRS #audit
ATHENAPRIVATEWEALTH.COM
Red Flags for Tax Auditors
What did it take to become the richest man in Babylon?
ATHENAPRIVATEWEALTH.COM
The Richest Man in Babylon
Ever wonder about those free credit scores you get once a year? #creditscore #credit
ATHENAPRIVATEWEALTH.COM
The Lowdown on Those Free Credit Scores
The beans brewed for your morning coffee may have changed hands many times #MorningCoffee
ATHENAPRIVATEWEALTH.COM
The Economic Journey of Your Morning Coffee
Do your kids have the right stuff for college? #CollegePrep
ATHENAPRIVATEWEALTH.COM
Countdown to College
Some diets lighten nothing but your wallet. Here’s a few to avoid. #diets #fads #health
ATHENAPRIVATEWEALTH.COM
Money Draining Food Myths
Does your business have a retirement strategy that fits your short, long-term needs?
ATHENAPRIVATEWEALTH.COM
Choosing a Retirement Plan that Fits Your Business
Do you know how to avoid internet fraud? Janet does. Learn how to keep yourself safe from data thieves of all kinds.
ATHENAPRIVATEWEALTH.COM
Data Thieves from Outer Space
Some simple, inexpensive energy-saving tips that may help you save money.
ATHENAPRIVATEWEALTH.COM
A Penny Saved is Two Pennies Earned
If you want to avoid any potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.
ATHENAPRIVATEWEALTH.COM
Do You Owe The AMT?
You make your own investment decisions, but how familiar are you with the products? Take our short quiz.
ATHENAPRIVATEWEALTH.COM
What’s Your Investment IQ?
Every year the IRS releases a list of tax scams: Read and beware. #taxes #taxscams #scams
ATHENAPRIVATEWEALTH.COM
“Dirty Dozen” Tax Scams to Watch For
You can help ensure that losing your wallet doesn't turn into something bigger.
ATHENAPRIVATEWEALTH.COM
What to Do When You Lose Your Wallet
How confident are you in the strength of your passwords? These days, one’s passwords are almost as important as the keys to your house. Check out these handy, current tips on crafting a secure password.
ATHENAPRIVATEWEALTH.COM
The Three Keys to a Great Password
Learn more about whether you need to pay estimated taxes.
ATHENAPRIVATEWEALTH.COM
You May Need to Make Estimated Tax Payments If…
You make your own investment decisions, but how familiar are you with the products? Take our short quiz.
ATHENAPRIVATEWEALTH.COM
What’s Your Investment IQ?
Are you ready to solve a credit report crime with John Q. Gumshoe? Grab your magnifying glass and click here to learn more.
ATHENAPRIVATEWEALTH.COM
How to Read Your Credit Report
Building a personal #legacy may be the highest order of altruism. It can begin with four simple steps.
ATHENAPRIVATEWEALTH.COM
Building Your Legacy
As complex as the details of taxes can be, the income tax process is fairly straightforward.
ATHENAPRIVATEWEALTH.COM
How Income Taxes Work
Here’s a look at what goes into creating a $20 bill and what determines when a bill’s lifespan ends.
ATHENAPRIVATEWEALTH.COM
Life and Death of a Twenty Dollar Bill
You can help ensure that losing your wallet doesn't turn into something bigger.
ATHENAPRIVATEWEALTH.COM
What to Do When You Lose Your Wallet
A home is the single largest financial commitment for most people. What mortgage fits you best?
ATHENAPRIVATEWEALTH.COM
Choosing a Mortgage
Understanding credits and deductions is one of the critical building blocks to making the tax code work for you.
ATHENAPRIVATEWEALTH.COM
How to Make the Tax Code Work for You
Do your kids have the right stuff for college? #CollegePrep
ATHENAPRIVATEWEALTH.COM
Countdown to College
Are you ready to solve a credit report crime with John Q. Gumshoe? Grab your magnifying glass and click here to learn more.
ATHENAPRIVATEWEALTH.COM
How to Read Your Credit Report
Building a personal #legacy may be the highest order of altruism. It can begin with four simple steps.
ATHENAPRIVATEWEALTH.COM
Building Your Legacy
Divorce is a painful process. Avoid financial mistakes that may have life-long consequences.
ATHENAPRIVATEWEALTH.COM
A House Divided
There’s 5 phases to changing unhealthy behaviors. Here’s how to do it. #goalsetting #habits
ATHENAPRIVATEWEALTH.COM
Changing Unhealthy Behaviors
Valuation is important for business succession, estate taxes andeven qualifying for a loan.
ATHENAPRIVATEWEALTH.COM
What is the Value of Your Business?
A home is the single largest financial commitment for most people. What mortgage fits you best?
ATHENAPRIVATEWEALTH.COM
Choosing a Mortgage
Understanding credits and deductions is one of the critical building blocks to making the tax code work for you.
ATHENAPRIVATEWEALTH.COM
How to Make the Tax Code Work for You
Childhood attitudes and habits can determine your child's health in his or her adult years.
ATHENAPRIVATEWEALTH.COM
Raising Healthy Children
When was the last time you checked your credit score? #CreditScore
ATHENAPRIVATEWEALTH.COM
How Does Your Credit Score Compare?
Lifestyle inflation can be the enemy of wealth building.
ATHENAPRIVATEWEALTH.COM
Keeping Up with the Joneses
Buying a home may be your largest financial commitment. Which loan is best for your situation?
ATHENAPRIVATEWEALTH.COM
Fixed or Variable Mortgage, Which Should You Pick?
Divorce is a painful process. Avoid financial mistakes that may have life-long consequences.
ATHENAPRIVATEWEALTH.COM
A House Divided
Learn more about whether you need to pay estimated taxes.
ATHENAPRIVATEWEALTH.COM
You May Need to Make Estimated Tax Payments If…
Some simple, inexpensive energy-saving tips that may help you save money.
ATHENAPRIVATEWEALTH.COM
A Penny Saved is Two Pennies Earned
Every year the IRS releases a list of tax scams: Read and beware. #taxes #taxscams #scams
MYF.MG
“Dirty Dozen” Tax Scams to Watch For
Childhood attitudes and habits can determine your child's health in his or her adult years.
ATHENAPRIVATEWEALTH.COM
Raising Healthy Children
When was the last time you checked your credit score? #CreditScore
ATHENAPRIVATEWEALTH.COM
How Does Your Credit Score Compare?
The tax rules that govern donating art are complex and confusing. #taxes #art
ATHENAPRIVATEWEALTH.COM
Donating Art: Taxation Abstraction
Own a life insurance policy or annuity that is many years old? You may want to consider a trade in.
ATHENAPRIVATEWEALTH.COM
What Is a 1035 Exchange?
Trying to decide whether to buy or rent a home? There are 4 important questions you should consider.
ATHENAPRIVATEWEALTH.COM
To Buy or Not to Buy
Some analysts are calling attention to the Put/Call ratio. For background, put options are protection from falling markets. They rise if their markets go down. Conversely, Call options profit when markets rise. There isn't a lot of money buying put options right now vs call options. This usually indicates bullish expectations among investors. But since the Fed will reduce rates and "print" unlimited money, it may be the biggest "put" of all. But watch out if inflation picks up and they start tightening. Always stay at a level of risk that you can handle. A portfolio of 100% stocks can have declines of 50%.
Learn more about whether you need to pay estimated taxes.
ATHENAPRIVATEWEALTH.COM
You May Need to Make Estimated Tax Payments If…
Ben Franklin used compound interest to make big contributions to his two favorite cities.
ATHENAPRIVATEWEALTH.COM
The Power of Compound Interest
Property taxes too high? Here are ways to potentially lower your assessment. #homeowner #propertytax
ATHENAPRIVATEWEALTH.COM
How to Appeal Your Property Taxes
Building a personal #legacy may be the highest order of altruism. It can begin with four simple steps.
ATHENAPRIVATEWEALTH.COM
Building Your Legacy
Don't procrastinate: pursue your financial goals by creating a long-term strategy.
ATHENAPRIVATEWEALTH.COM
The Cost of Procrastination
The tax rules that govern donating art are complex and confusing. #taxes #art
ATHENAPRIVATEWEALTH.COM
Donating Art: Taxation Abstraction
The profit you make from the sale of your home may be tax exempt. Restrictions and limits apply. Here's why.
ATHENAPRIVATEWEALTH.COM
Tax Rules When Selling Your Home
What do Americans spend more on? 1) taxes or 2) food, clothing, and shelter? Answer = 1. #IncomeTax
ATHENAPRIVATEWEALTH.COM
What Do Your Taxes Pay For?
A home is the single largest financial commitment for most people. What mortgage fits you best?
ATHENAPRIVATEWEALTH.COM
Choosing a Mortgage
Ben Franklin used compound interest to make big contributions to his two favorite cities.
ATHENAPRIVATEWEALTH.COM
The Power of Compound Interest
Property taxes too high? Here are ways to potentially lower your assessment. #homeowner #propertytax
ATHENAPRIVATEWEALTH.COM
How to Appeal Your Property Taxes
As complex as the details of taxes can be, the income tax process is fairly straightforward.
ATHENAPRIVATEWEALTH.COM
How Income Taxes Work
Your chance of an IRS audit may not be that high. It pays to know what may trigger one. #IRSaudit
ATHENAPRIVATEWEALTH.COM
What If You Get Audited?
Test your estate strategy knowledge with this short quiz.
ATHENAPRIVATEWEALTH.COM
Test Your Estate Strategy Knowledge
The profit you make from the sale of your home may be tax exempt. Restrictions and limits apply. Here's why.
ATHENAPRIVATEWEALTH.COM
Tax Rules When Selling Your Home
What do Americans spend more on? 1) taxes or 2) food, clothing, and shelter? Answer = 1. #IncomeTax
ATHENAPRIVATEWEALTH.COM
What Do Your Taxes Pay For?
Being healthy may help your personal finances.
ATHENAPRIVATEWEALTH.COM
Putting a Price Tag On Your Health
The average college senior graduates with credit card debt. How will your kids manage money?
ATHENAPRIVATEWEALTH.COM
Do Your Kids Know The Value of a Silver Spoon?
Childhood attitudes and habits can determine your child's health in his or her adult years.
ATHENAPRIVATEWEALTH.COM
Raising Healthy Children
Some diets lighten nothing but your wallet. Here’s a few to avoid. #diets #fads #health
ATHENAPRIVATEWEALTH.COM
Money Draining Food Myths
As complex as the details of taxes can be, the income tax process is fairly straightforward.
ATHENAPRIVATEWEALTH.COM
How Income Taxes Work
Healthcare may be one of your biggest expenses in retirement. Manage your risk.
ATHENAPRIVATEWEALTH.COM
Healthy Body, Healthy Pocketbook
Take Charge: Don't be a victim of identity theft.
ATHENAPRIVATEWEALTH.COM
To Catch a Thief
Being healthy may help your personal finances.
ATHENAPRIVATEWEALTH.COM
Putting a Price Tag On Your Health
The average college senior graduates with credit card debt. How will your kids manage money?
ATHENAPRIVATEWEALTH.COM
Do Your Kids Know The Value of a Silver Spoon?
Childhood attitudes and habits can determine your child's health in his or her adult years.
ATHENAPRIVATEWEALTH.COM
Raising Healthy Children
