Life starts all over again when it gets crisp in the fall – F. Scott Fitzgerald. We’re looking forward to the fall refresh. Stay cozy and healthy friends! #fall
What is a CFP® Professional? CERTIFIED FINANCIAL PLANNERS™ have completed the rigorous education and experience requirements and commit to high ethical and professional standards. CFP® professionals gain expertise in:
· Investment planning
· Tax planning
· Retirement planning
· Estate planning
· Insurance planning
· Education planning
· Financial Management
Working with a CFP® professional is an important first step toward reaching your financial goals!
Our advisors are all CFP® professionals and have over 20+ years of experience. Any CFP® questions, we're here for you!
Source: CFP Board
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
#financialplanning #financialplanner #financialadvisor
New team photo! A wealth management team of financial professionals serves every Echo45 client to make sure everyone is well taken care of
We wish you all a relaxing Labor Day Weekend! Our Founder, Jon and our Director of Planning Services/CCO, Kevin at Pine Mountain Lake AKA Echo45 with their co-pilots Gonzo and Nullah Bear #doglife
It's the little things, but we have 2 big things to be grateful for. Our growing team (masked up) and our big new office sign in front of our building! #Team
Hope this brightens your day! Sharing this beautiful shot from our investment officer, Jamie's engagement photo shoot with his fiancé, Veronica. They plan on tying the knot next year and are enjoying the engaged life! Photo by Olivia Markle #feelgoodfriday
A fiduciary will always act in their client’s best interest when providing financial advice to a client and they:
•Place your interests above their own interest, or the interests of their firm
•Avoid conflicts of interests to you, obtaining your informed consent, and properly managing the conflict
•Continue to put your interests first, even when acting under a conflict of interest
•Comply with the terms of the client engagement and follow your directions, so long as they are reasonable and lawful
•Act with care, skill, prudence and diligence based on your goals, risk tolerance, objective, financial status and personal circumstances
Source: CFP Board
#fiduciary
#tbt Our founder, Jon Henderson and Director of Concierge Services, Gen Vivo about 7 years ago! They’ve been a dynamic duo for 12 years! 😊
Happy Friday! Hope your weekend is full of adventure! Check out our Director of Planning Services, Kevin on his first Nevada Falls Hike at Yosemite! #feelgoodfriday
Part 2: Continuing with our Election Series featuring content from our partners at Ycharts, after having reviewed how markets perform during the lead up to an election in our last segment, we look at how markets react to an election. As always, if you enjoy this content or have questions, let us know by commenting or reaching out for more discussion.
How differently does the S&P 500 perform after an election based on the winning party?
As it turns out, the performance depends on the time period you are examining. If we look at the period post-election and pre-inauguration, the market performance is better when a Republican has won. The advantage is short-lived, however. The market performance is considerably better for democratic candidates who average a gain of 12.0% on an annualized basis compared to their Republican peers’ 3.5% annually during their tenures in office.
October seems to be the month of love for a few of our team members. Yesterday was our founder, Jon Henderson and Director of Marketing, Monica's Wedding Anniversary! #marriage
There's a lot of planning that goes into BIG life changes, check out this great resource for financial planning and marriage! https://bit.ly/3jdcy3B
Converting a portion of an IRA to a Roth IRA is a complex process that involves many moving parts.
To help make the analysis easier, this flowchart “Will My Roth IRA Conversion Be Penalty Free?" addresses common issues that you’ll encounter when doing a Roth conversion, including:
• Implications for IRAs with after-tax contributions
• Pro-rata and aggregation rules
• Simple IRA rules
• Medicare Part B and Part D surcharge impact
• Application of the 5-Year Rule
• RMD coordination issues
For this flowchart and more resources:
https://www.echo45advisors.com/insights/will-your-roth-ira-conversion-be-penalty-free
Have you converted funds to a Roth IRA in the past?
Any questions, we're here for you!
ECHO45ADVISORS.COM
Will Your Roth IRA Conversion Be Penalty Free? — Echo45 Advisors
This year has been a wild a ride, we hope you can slow down today, have that piece of pie 🥧 …. and enjoy time with your loved ones. Happy Thanksgiving. Be well! Our founder, Jon, and his mother, from Thanksgiving's past
There’s a lot to consider with Roth conversions – especially with the current market condition and changes due to the SECURE Act! This flowchart addresses some of the major decision points to help guide you
For this flowchart and more resources: https://www.echo45advisors.com/insights/should-you-consider-doing-a-roth-conversion
Any questions, we're here for you!
When we launched Echo45 February 21st of this year – just weeks before COVID-19 and shelter in place hit us, we were excited but also uncertain of what was ahead. In the months that followed, we were blessed to continue long term relationships and welcome new Echo45 clients – and we couldn’t be more grateful. Many offered their congratulations and excitement and said, “what took you so long to launch this!?” One of our clients gifted us the beautifully custom leather holster. It means a lot to have clients like ours!
Learn more about becoming client: 877-4-Echo45 or info@echo45advisors.com
Medicare Open Enrollment is coming to an end SOON! Dec 7th! This flowchart will help guide you through topics such as:
- Changes in health care needs
- Costs of premiums, deductibles, etc.
- Access to specific providers, services, and prescription drugs
- Out-of-state concerns
- Effective dates of any changes
For this flowchart and more resources: https://www.echo45advisors.com/insights/should-i-change-my-medicare-coverage-during-open-enrollment
Any questions, we're here for you!
#healthcare #medicare #financialadvisors
ECHO45ADVISORS.COM
Should I Change My Medicare Coverage During Open Enrollment? — Echo45 Advisors
Happy #NationalPizzaDay! 🍕 It’s one of our faves here at Echo45! Here’s Cole, our Planning Coordinator, Jon, our founder, and Monica, our Director of Marketing with a beauty of pizza from one of their favorite spots! What’s your favorite pizza spot?
We LOVE the movie, but don’t want to live it! Happy Groundhog Day! Time to break the patterns you have on repeat and get your financial goals set. Every day makes a difference!
#GroundhogDay #planfortomorrow #financialplanning
W2s and 1099s are starting to be mailed out – so tax season is coming our way! This is a good time to review your withholding amounts. For the 2020 tax year, the filing deadline is back to the normal date: Thursday, April 15th 2021 – which is also the last day you can make your 2020 IRA contributions! Make sure you’re taking full advantage of the opportunity to save for your retirement.
#taxes #taxseasoniscoming #financialplanning
That #mondaymorning feeling...This cute cat, Jazz, belongs to our Senior Relationship Manager, James. Have a great week all!
Getting a promotion or raise? Congratulations! 🙌🏼
There are some financial aspects to consider as it not only increases your cash flow, but could impact your benefits, retirements plans and deferred compensation, and more!
It’s a great time to review and update your financial plan! Check out our checklist to help make the MOST of your career advancement and reach out to us for any questions!
https://www.echo45advisors.com/insights/what-issues-should-i-consider-if-i-get-a-promotion-or-raise-at-work
#levelup #payraise #financialplanning
ECHO45ADVISORS.COM
What Issues Should I Consider If I Get a Promotion or Raise at Work — Echo45 Advisors
