JHG Financial Pod Cast

Are upward interest rates a concern to you? Gain perspective on these changes by watching the latest installment of our podcast, “Financial Fitness with JHG.” Are you concerned or nervous about the current market volatility? Gain perspective on current conditions and vehicles that may help mitigate or may even totally shield you from any market downside movement. Watch the latest installment of our podcast, “Financial Fitness with JHG.” Given the continued market volatility, historic high inflation, rising interest rates, and an impending recession, my Podcast “Financial Fitness with JHG” will concentrate on topics related to questions on the top of investors minds.  I will discuss why I think this recession might be “shallow and narrow”, and how markets may react.   Our discussion will also be centered on how building a Financial Plan can be a great blueprint for investors peace of mind. I hope you will enjoy JHG’s 6th Podcast which covers the new Secure Act 2.0 Legislation. Secure 2.0 brings in new RMD Ages, higher contribution limits for all ages, but also energizes Catch-Up Provisions for those of us over 50 years of age, and also incentivizes businesses to roll-out 401k’s by subsidizing the startup and ongoing administration costs associated with having a corporate retirement plan. To be exact there are 92 new Provisions in Secure 2.0 and I hope this Podcast covers some of the important new provisions that, in particular, are very important to investors and our most important assets of all, the JHG Family! Please take 15+ minutes to listen Financial Fitness with JHG, the best part of your day! As we turn the corner into College and School season, I wanted to share my recent Podcast “Financial Fitness with JHG,” with you, my most valuable asset of all. In this Podcast we have an in-depth discussion about timely topics centered around the new Secure 2.0 Act for tax and funding strategies for educational savings. I think you will find the 15 minutes well spent if you have future scholars and haven’t yet fully employed the tax benefits of a 529 or UTMA, and/or get up to date on the new Secure 2.0 Act tax regulations that can turn the negatives of 529’s into a major positive given one can now convert a portion of a 529 into a ROTH IRA if not used for educational purposes. This quarter we will explore the potential beneficial uses of Alternative asset classes, such as 1031 DST’s, Opportunities Zones, Interval Funds and Non-Traded Preferred Stocks etc. for both diversifiers, tax mitigation, or higher yields and potential returns such as private equity. The Endowment Model used by many IVY League higher education institutions like Duke and Harvard, Pensions Funds, and even Insurance Companies, use Alternative assets classes such as real estate that have low correlation to the markets to help minimize risks and optimize returns. The Endowment Model tends to favor private investments due to their illiquidity versus typical assets classes such as stocks, bonds and mutual funds or indexing. Use of these types of asset classes certainly requires a long-term horizon however can help mitigate taxes as well as volatility when markets take down turns given Alternatives tend to be less volatile, sometimes even moving in the opposite direction of traditional equites or fixed income. Over my 30-year tenure in the securities industry the alternative space has changed and now many solutions offer liquidity features in conjunction with higher income than current yields at a bank, even in the this higher inflation/yielding market, therefore don’t discount that these assets aren’t applicable to your unique situation. JHG Financial is here to help you navigate this space, therefore if anything sparks your interest, please call my office to setup a call or meeting.