https://www.elementwealthmanagement.com/market-news daily 0.75 2024-10-21 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/d3a54e56-1951-4866-bb28-9dbc5aafd1a9/BANNER+Dark.png https://www.elementwealthmanagement.com/market-news/r5hec4js5xblr5r55htljtbswll9jh monthly 0.5 2024-10-21 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/7306086c-42dd-4f6c-b28b-6579913a3db0/Weekly+Market+Commentary+Thumbnail+10.14-18.2024.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out LPL Tracking #643724 (Exp. 10/25) [Click image above if document does not load] https://www.elementwealthmanagement.com/market-news/kh2sym4ymxf3gzd2hwrnkj273dbjdj monthly 0.5 2024-10-21 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/241c6767-be3d-44d1-8812-401f4bd010e4/Weekly+Market+Commentary+10.06.24+Thumbnail.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out LPL Tracking #640855 (Exp. 10/25) [Click image above if document does not load] https://www.elementwealthmanagement.com/market-news/wgcwm2wjms3l49l6e38ksgghx6nlmf monthly 0.5 2024-09-30 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/0013ee26-25cb-458f-bd40-9b756662d592/Weekly+Market+Commentary+09.30.2024.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out LPL Tracking #: 637565 (Exp. 09/25) [click image above if document does not load] https://www.elementwealthmanagement.com/market-news/m24cgwmmk78nttmp6etdtbw834ep7d monthly 0.5 2024-09-18 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/560b8297-b379-46eb-8393-3191a518f094/Weekly+Market+Commentary+09.16.2024.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out LPL Tracking #: 630158 (Exp. 09/25) https://www.elementwealthmanagement.com/market-news/jzf5sz4eerc635t69bap33myneygkj monthly 0.5 2024-09-18 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/c0eed643-6323-4046-82b1-21f7469644e0/How+LPL+Protects+Your+Wealth.jpg Elements of Wealth - How LPL Protects Your Wealth - Make it stand out LPL Tracking #: 527855 (Exp. 01/26) https://www.elementwealthmanagement.com/market-news/cpcdezrt957zhlhch93c73xglmxcfp monthly 0.5 2024-09-12 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/b61bb350-d17c-4a2c-8227-864f78f7a615/Roth+or+Regular.jpg Elements of Wealth - Roth or Regular - Make it stand out Tracking # 614345 Exp. 08/25 https://www.elementwealthmanagement.com/market-news/acahx5wc7rh8gk2wt8ppswt2z8pxbm monthly 0.5 2024-09-11 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/0fb8c3a6-d6bb-432f-ad30-3edcfd920ad3/Weekly+Commentary+09.09.2024.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out LPL Tracking #626283 https://www.elementwealthmanagement.com/market-news/xzzbjme66a8tpx8xh6t487s8d79een monthly 0.5 2024-09-10 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/994de7f3-ee8f-486f-ae97-e551904e9e3b/nature+picture.jpg Elements of Wealth - Caring for Aging Parents - Make it stand out Tracking #1-05358085 (Exp. 03/25) https://www.elementwealthmanagement.com/market-news/89nwewtdprskgt55zk629hm6wetbzl monthly 0.5 2024-09-09 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/dc2af3e0-1bed-4032-9f21-8e7ed273aad7/nature+thumbnail.jpg Elements of Wealth - Unravelling The Rising Cost of Living - Make it stand out Tracking #614348 (Exp. 08/25) https://www.elementwealthmanagement.com/market-news/cseycjtgszlxkcnythlwj6aak529dj monthly 0.5 2024-09-06 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/0e15e4c0-4aa2-4718-947b-e1121bfe81ed/roth+pic.jpg Elements of Wealth - ROTH IRA - Retirement Planning - Make it stand out LPL Tracking #531955 Exp. 02/2025 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/dbe9ddd7-3f0a-42ab-aa7b-45476f5470f1/ROTH+IRA+Image.png Elements of Wealth - ROTH IRA - Retirement Planning - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.elementwealthmanagement.com/market-news/r5x4eyl3b96hyxk4zpgycygpcjkzfd monthly 0.5 2024-09-05 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/5836c64e-8ec1-485d-8f45-1405b3d48695/water+w+trees.jpg Elements of Wealth - 403(b) Plans - Retirement Planning - Make it stand out LPL Tracking #531957 (Exp. 02/2025) https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/d8226ebd-b18f-4cd2-8e9f-861570de79ad/Screenshot+2024-08-28+at+10.42.46%E2%80%AFAM.png Elements of Wealth - 403(b) Plans - Retirement Planning - Make it stand out Copyright 2024, PGI Partners, Inc., 921 East 86th Street, Suite 100, Indianapolis, Indiana 46240. All rights reserved. This material was prepared by PGI Partners, Inc. on behalf of LPL Financial, LLC. Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. To the extent you are receiving investment advice from a separately registered independent investment advisor that is not an LPL Financial affiliate, please note LPL Financial makes no representation with respect to such entity. If your financial professional is located at a bank or credit union, please note that the bank/credit union is not registered as a broker-dealer or investment advisor. Registered representatives of LPL may also be employees of the bank/credit union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, the bank/credit union. Securities and insurance offered through LPL or its affiliates are: Not Insured by FDIC/NCUA or Any Other Government Agency Not Bank/Credit Union Guaranteed Not Bank/Credit Union Deposits or Obligations May Lose Value For publicuse https://www.elementwealthmanagement.com/market-news/884kbdcn9lb8c63p7a8yy9gr632xdw monthly 0.5 2024-09-11 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/2ac9af09-e110-4655-9c6b-7b7723913a5f/trees.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out LPL Tracking #622587 (Exp. 09/25) https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/264c69c2-12c9-41a7-b2e6-816de9c18b3e/Weekly+Market+Commentary.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out Source: LPL Research, International Monetary Fund 08/27/24 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/b8aba7b2-cbbd-4382-9cc4-fa93ffc7819d/Weekly+Market+Commentary+2.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out Pie chart represents the percent of gross domestic product each BRIC+ country composes. Source: LPL Research, World Bank, Organisation for Economic Co-operation and Development (OECD), British Broadcasting Company (BBC) 08/27/24 https://www.elementwealthmanagement.com/market-news/ag25djahrsxbty3pdngmj46xyn5lxw monthly 0.5 2024-09-03 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/6ba2eeef-408d-4dea-82ed-af634c59df1e/ladybug.jpg Elements of Wealth - 401(K) Plans - Retirement Planning - Make it stand out LPL Tracking #531959 Exp. 02/2025 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/86e68fb3-6b99-4b1f-bdd8-5b6cab6a8d04/Screenshot+2024-08-28+at+11.22.20%E2%80%AFAM.png Elements of Wealth - 401(K) Plans - Retirement Planning - Make it stand out Copyright 2024, PGI Partners, Inc., 921 East 86th Street, Suite 100, Indianapolis, Indiana 46240. All rights reserved. This material was prepared by PGI Partners, Inc. on behalf of LPL Financial, LLC. Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. To the extent you are receiving investment advice from a separately registered independent investment advisor that is not an LPL Financial affiliate, please note LPL Financial makes no representation with respect to such entity. If your financial professional is located at a bank or credit union, please note that the bank/credit union is not registered as a broker-dealer or investment advisor. Registered representatives of LPL may also be employees of the bank/credit union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, the bank/credit union. Securities and insurance offered through LPL or its affiliates are: Not Insured by FDIC/NCUA or Any Other Government Agency Not Bank/Credit Union Guaranteed Not Bank/Credit Union Deposits or Obligations May Lose Value https://www.elementwealthmanagement.com/market-news/cpgww87al26jjberc9amh896rkp7wh monthly 0.5 2024-08-30 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/2ffd2545-4d26-49f3-8c3b-b83561d089b7/thumbnail+08.30.24.jpg Elements of Wealth - Investment Scams - Make it stand out Tracking #: 572975 | Exp 04/2027 https://www.elementwealthmanagement.com/market-news/rz3fc4fdlnlt3k9e3w9shja9d764lw monthly 0.5 2024-08-29 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/f2c0a545-9734-4225-82b6-e4500f608b6c/thumbnail+08.29.24.jpg Elements of Wealth - Business Planning - Buy Sell Agreement - Make it stand out Tracking #532789 | Exp. 02/2025 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/5af94d5c-781f-4dc7-86c1-826ef8fd80b0/Buy+Sell+Agreement+Image Elements of Wealth - Business Planning - Buy Sell Agreement - Make it stand out Copyright 2024, PGI Partners, Inc., 921 East 86th Street, Suite 100, Indianapolis, Indiana 46240. All rights reserved. This material was prepared by PGI Partners, Inc. on behalf of LPL Financial, LLC. Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. To the extent you are receiving investment advice from a separately registered independent investment advisor that is not an LPL Financial affiliate, please note LPL Financial makes no representation with respect to such entity. If your financial professional is located at a bank or credit union, please note that the bank/credit union is not registered as a broker-dealer or investment advisor. Registered representatives of LPL may also be employees of the bank/credit union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, the bank/credit union. Securities and insurance offered through LPL or its affiliates are: Not Insured by FDIC/NCUA or Any Other Government Agency Not Bank/Credit Union Guaranteed Not Bank/Credit Union Deposits or Obligations May Lose Value https://www.elementwealthmanagement.com/market-news/7njaflkglbs8l3z6gttet5zk9rxfjn monthly 0.5 2024-08-28 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/6c8c36ce-5bd1-4e42-b9b5-ffb678038d0e/thumbnail08.28.24.jpg Elements of Wealth - Better Together - Make it stand out Tracking #586896 | Exp 02/25 https://www.elementwealthmanagement.com/market-news/s4ttwcrb6nmllwgrbz594pxtpjs82p monthly 0.5 2024-08-27 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/3de30765-e3ac-4b83-974a-5ecd6e358d7b/thumbnaail+08.28%3A24.jpg Elements of Wealth - Year-End Tax Planning Tips - Make it stand out Tracking #1-05358058 | Exp 03/25 Few words can dampen the cheer and optimism of a New Year like taxes. Let’s face it, the time for holidays, time off, and family should be celebratory, not burdensome. But if you approach taxes with an eye toward reducing your liability for next year, the concept becomes more amenable. And indeed, there are numerous tax-savings strategies that you can implement that could potentially reduce your tax obligations. Let’s take a look. Turn Losses into Gains If you anticipate that your investments will yield short- or long-term capital gains, you can offset these with realized capital losses, according to the IRS. For assets that you hold less than a year, the gains (short-term) are taxed at ordinary rates from 10% to 37%, which you can offset with short-term losses. Similarly, for assets that you hold longer than a year (long-term), the gains are taxed at a top rate of 20%, which you can reduce by long-term capital losses. If your losses exceed your gains, you can deduct up to $3,000 in capital losses against your ordinary income on that year’s tax return, while carrying forward unused losses, if any, to future years. Accordingly, you might consider avoiding short-term gains, since these are taxed at higher rates. If you are anticipating a short-term gain, either offset them with short-term losses, or else consider holding onto the assets for at least a year, when they become long-term assets. Review your portfolio and estimate your gains and losses. Most capital gains and losses are triggered when you sell the asset, offering you control over the event. However, others — mutual funds, for instance — are difficult to predict as they are comprised of numerous assets. Assess those assets that have performed well and those that have incurred losses. If there are under-performers that can cover your gains, it will help minimize your capital gains tax. Also, it is advantageous to elect losses before gains, as you can carry over unused losses to future years. Capital gains are taxed in the year in which they are realized. Avoid the Net Investment Income Tax The IRS assesses a 3.8% tax on unearned income for high-income taxpayers, which applies to single taxpayers with a modified adjusted gross income of $200,000 or more and for those who are married and filing jointly with a modified adjusted gross income of $250,000 or more. This increases the top rate on most long-term capital gains to 23.8%, which applies to interest, dividends, royalties, and rents, among other items (collectively called “net investment income”). Assets that do not fall under this net investment income classification and thereby avoid the 3.8% additional tax include distributions from IRAs or qualified retirement plans, annuity payouts, and income from tax-exempt municipal bonds. Consider these distinctions to avoid additional tax liability. Looking Forward As the tax laws change frequently, consult a tax or financial professional to assess ways that you can manage your tax burden. https://www.elementwealthmanagement.com/market-news/hk26kj3tzb2nkanap2fcstty2f45m9 monthly 0.5 2024-08-26 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/99b266ec-51c0-4923-9d5f-8739ca4a81be/thumbnail29345.jpg Elements of Wealth - Optimizing Required Minimum Distributions (RMDs) - Make it stand out Tracking # 619498 https://www.elementwealthmanagement.com/market-news/m7tcmam5sdmrn6kfh3thtmbz643cg5 monthly 0.5 2024-08-23 https://www.elementwealthmanagement.com/market-news/r9y2ymx47smfl9xxsy9r569b7lnj8w monthly 0.5 2024-08-22 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/6976075d-4f39-4524-a19b-4c709a021ca4/4kpic.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out Produced by LPL Financial 08/19-08/23/2024 Jeffrey Buchbinder, CFA, Chief Equity Strategist, LPL Financial Adam Turnquist, CMT, Chief Technical Strategist, LPL Financial Lawrence Gillum, CFA, Chief Fixed Income Strategist Brian Booe, Associate Analyst https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/19526208-ea28-4aa4-bc62-28a2b9a3a2ed/WMC+pic.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out Source: LPL Research, Bloomberg 08/15/24 All indexes are unmanaged and cannot be invested directly. Past performance is no guarantee of future results. The VIX measure of implied volatility is based on volatility levels reflected in options prices.2 3 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/2b81c3e1-039e-403e-85af-6c061e3fddcd/wmc+pic+2.jpg Elements of Wealth - Weekly Market Commentary - Make it stand out Source: LPL Research, Bloomberg 08/15/24 All indexes are unmanaged and cannot be invested in directly. Past performance is no guarantee of future results. https://www.elementwealthmanagement.com/market-news/ey59pwtfb35rxhzxgdcdpswe4w5w22 monthly 0.5 2024-08-21 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/250ac20b-68ef-4e47-b6f6-738cc9207885/thumbnail25.jpg Elements of Wealth - What Game Are You Playing? - Make it stand out As The Psychology of Money , by Morgan Housel shows, knowing your own time horizon and resisting the influence of others’ financial decisions is key to long-term success. Ready to define your game? “Being swayed by people playing a different game can also throw off how you think you’re supposed to spend your money. So much consumer spending, particularly in developed countries, is socially driven: subtly influenced by people you admire, and done because you subtly want people to admire you. But while we can see how much money other people spend on cars, homes, clothes, and vacations, we don’t get to see their goals, worries or aspirations. A young lawyer aiming to be a partner at a prestigious law firm might need to maintain an appearance that I, a writer who can work in sweatpants, have no need for. But when his purchases set my own expectations, I’m wandering down a path of potential disappointment because I’m spending the money without the career boost he’s getting. We might not even have different styles. We’re just playing a different game. It took me years to figure this out. A takeaway here is that few things matter more with money than understanding your own time horizon and not being persuaded by the actions and behaviors of people playing different games than you are. The main thing I can recommend is going out of your way to identify what game you’re playing. It’s surprising how few of us do. We call everyone investing money “investors” like they’re basketball players, all playing the same game with the same rules. When you realize how wrong the notion is you see how vital it is to simply identify what game you’re playing…years ago I wrote out ‘“I am a passive investor optimistic in the world’s ability to generate real economic growth and I’m confident that over the next 30 years that growth will accrue to my investments.’” That might sound quaint, but once you write that mission statement down you realize everything that’s unrelated to it- what the market did this year, or whether we’ll have a recession next yearis part of a game I’m not playing. So I don’t pay attention to it, and am in no danger of being persuaded by it.” (The Psychology of Money, Chapter 16, Page 173, Housel) This is the importance of having a financial plan. We ask again, what game are you playing? Speak with a financial advisor cost free today if you need assistance defining your game. https://www.elementwealthmanagement.com/market-news/nkxxjxp9am854ah9rhwm9hm87ndtch monthly 0.5 2024-08-20 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/4ad059d8-f689-4225-801a-270eebdee119/thumbnail15.jpg Elements of Wealth - Annuities Made Simple - Make it stand out First, what is an annuity? Annuities are long-term tax-deferred investment options that are managed by insurance companies or insurance "carriers" designed for retirement purposes. The main purpose is to provide steady income payments (typically after age 59 1/2 due to tax rule) to ensure you and your loved ones can maintain a similar standard of living and enjoy retirement. Similar to a pension or social security payment, annuities are designed to be most impactful in one's later years (60-65+) as gains are taxable as ordinary income upon withdrawal. Annuities differ from pensions and social security in that they are usually built on a schedule of a regular income payments that can stretch over varying amounts of time, but also allow you to maintain control over the asset. Annuities are not FDIC insured and contain surrender charges for withdrawals made prior to turning 59 and 1/2 subject to 10% IRS Penalty, if funds are not replaced. Guarantees are based on the claims paying ability of the issuing company. Our most common types of annuities include, Fixed, Fixed-Indexed, and Variable annuities. There are other types, such as an immediate annuity, but we will focus on the main three. Fixed Annuities: Most often, but not always have the lowest risk of the three. These products assure your money will earn at least a minimum interest rate that is paid on an annual basis over a specific timeframe (usually 5-7 years). However, focusing on the longer term options, you may be subject to interest rate risk. Some fixed annuities present an opportunity to potentially earn higher interest rates than prevailing CD rates at your local bank, and typically have a minimum interest rate granted by the insurance issuer. CD rates are FDIC insured to specific limits and offer a fixed rate of return if held to maturity. Fixed-Indexed Annuities: a modified version of the fixed annuities, however they differ in that they earn an interest based on the change of a market index, such as the S&P 500 or the Dow Jones Industrial Average (DJIA). These indexes fluctuate daily. The interest rate has a floor of zero percent, so even if the market goes down, your principal is not at risk. It carries more risk than the fixed annuity as your rate of return is determined by the return of the underlying index over a specific amount of time that typically ranges from 1-5 years. Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index. Variable Annuities: or "VAs" are the most complicated of the three and allow investors to generate a return on the performance of the investment portfolios through "subaccounts". VAs allow you (or your advisor) to dictate where you put your money. The return in a variable annuity isn't guaranteed as the value of the subaccounts you choose could go up or down, called market risk. If they go up, you could make money similar to a regular investment account. But, if the value of these subaccounts goes down, you could lose money. Consequentially, income payments to you could be less than expected. To mitigate risk, "riders" are additional guarantee options offered through annuities and life insurance to help assure you have a minimum income return such as "5 for life", meaning you receive 5% of your initial investment for the rest of your life regardless of market performance or remaining account value. Some riders are included in an annuity while others are subject to additional fees, restrictions, and are based on the paying ability by the issuing insurance company. Variable annuities have significant fees and expenses known as M&E&A (Mortality and Risk Expense and Administrative Fees), subaccount fees and additional fees for riders. The policy holder should review their contract carefully before purchasing. In conclusion, when it comes to annuities, it is essential to approach them with caution and seek the guidance of a valued and knowledgeable financial advisor. Making hasty decisions without fully understanding the product can lead to costly mistakes that may impact your retirement's fixed income. Researching and contacting a holistic financial advisor who can provide you with various options is important. Be wary of those who offer only one "flavor" of annuity, as it may not align with your specific needs and goals. While it may be tempting to save money by bypassing a broker, remember that the expertise and guidance of an expert can potentially save you from a costly mistake. Seek a professional's advice who's goal is to maximize your investment's return given your tolerance for risk. Speak with one of our advisors today, cost free, and find out if an annuity is meant for you. https://www.elementwealthmanagement.com/market-news/7spsx69fg8y6lke6dx577ff4m8dx6c monthly 0.5 2024-08-19 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/89f184bf-9a32-4756-b0e1-e11edb6d35bc/thumbnail.jpg Elements of Wealth - SBLOC Made Simple - Make it stand out You can spend your securities-based portfolio line of credit on generally anything of your financial choosing. If you are looking to make home renovations, purchase a new property, or would like more wiggle room in your financial decisions, you may consider using a securities-based line of credit (SBLOC). A securities-based line of credit is a line of credit issued by a bank similar to a home equity line of credit (HELOC). However, instead of using your home as collateral, you collateralize your investment portfolio. The amount of your SBLOC is based on the value of your non-qualified investment account(s), usually up to 65% of the combined value. A non-qualified account is basically any investment account other than a retirement account or IRA. Interest rates are comparable to a HELOC and have flexible repayment schedules. The setup-up process is quick, easy and usually has no up-front cost. You may be subject to an increase in rates. Leveraging an SBLOC allows you to pledge your stocks, bonds, mutual funds, ETFs and other approved investments for virtually any purpose besides reinvesting back into the market. It is important to note that SBLOCs are non-credit reported (a soft credit check may be performed) and do not require proof of income. If you are retired or self-employed you may still be able to reach the financial liquidity you need through a SBLOC. ...so what are the negatives? Again, the loan funds may not be used for other buy-transactions in your securities account. It may be difficult to transfer securities to another firm if the funds are collateralized and the other firm does not offer a SBLOC. You may be subject to increasing rates on the account as it is a variable rate. If the loan is defaulted on or credit maximum is reached and market declines, the lender can liquidate securities. In most cases, there is no tax write-off of the interest unlike a HELOC where you may receive a tax deduction. https://www.elementwealthmanagement.com/market-news/jg22lzya2b27k5e33d77tca7pggyfn monthly 0.5 2024-08-16 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/8d1b9397-2aa7-49ab-816b-201a155286b2/thumbnail+7.jpg Elements of Wealth - So Many Options…We Can Help - Make it stand out Investments, taxes, insurance, estate planning…the list of financial concerns you face today can seem overwhelming. And with more options available than ever before, it's difficult to know which ones may be right for you. As Financial Professionals with LPL Financial, the #1 independent broker/dealer in the country*, we can help. With years of training and experience, our team can help you sort through and choose the investments that are most appropriate for your needs. Whether it's planning for a secure retirement or developing a strategy to pay for your child's college education, each advisor at Element Wealth Management employs a thorough and disciplined approach to investing. There are many potential benefits including non-proprietary investment choices combined with professional guidance and personalized advice. We appreciate your time and consideration and look forward to helping you develop and stick to a well thought-out investment plan. Feel free to contact us in the near future so we can invite you to our office for a complimentary meeting to discuss your financial goals and objectives. https://www.elementwealthmanagement.com/market-news/86etkz8e53xzf7m56z5gndydm4r8r5 monthly 0.5 2024-08-15 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/196a73c9-2c8b-4a64-ab0a-55defaeb7e56/thumbnail+4.jpg Elements of Wealth - Your Trust Is Our Foundation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.elementwealthmanagement.com/market-news/xzw5t733nclf9wj8p2m47b7galppby monthly 0.5 2024-08-13 https://images.squarespace-cdn.com/content/v1/5c4790fcf2e6b111617d37fb/27a1e9e8-7dd2-4051-88b5-f5fe7f6582d0/marketing+thumbnail+2.jpg Elements of Wealth - Should I retire? 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