Our Effort to Expand Perspectives We Introduce You to Gary Vaynerchuck

Posted by Joel Capperella on Thu, Nov 13, 2014

One of the things that we try hard to do is help our readers and those that come to our seminars think differently.  Most have a schema in their mind about what personal wealth management should look like, and rarely even seek to validate that perspective or challenge it. We see it differently, and want to face down the status quo.  Not because the status quo is bad, but because looking beyond the status quo is so much better. 

Read More

Tags: new perspective

Retirement Income Planning Concerns and Solutions

Posted by Joel Capperella on Tue, Nov 11, 2014

This post summaries our 6 part series covering the four most common concerns over asset protection, why they exist, their impact on retirement income planning, and how to address them.  Ultimately the objective of our content is to educate and to offer a different perspective over long term financal planning.  Financial decision making today is under served due to a lack of objectivity and the difficulty for the average person to simply get their questions answered without enduring a sales pitch.  While we are never shy about selling our solutions we work diligently to ensure that the perspective we share doesn't sell but rather helps answer our clients' and prospective clients' questions.  Our goal is to help people shift their focus  from maximizing returns and instead work to eliminate loss.  

Read More

Tags: retirement income, income planning

Solutions to Common Concerns Over Asset Protection Strategies

Posted by Joel Capperella on Wed, Nov 05, 2014

Nearly every client and prospective client that we have worked with has one of four concerns over their asset protection strategies, the solutions to address these concerns are surprisingly simple.  Personal wealth management should not be an intimidating exercise, nor should it create unreasonable levels of anxiety.  While there are complexities that can arise when developing long term savings strategies , the foundation of any approach to address concerns over how to develop and use them should ultimately be grounded in simplicity. 

Read More

Tags: asset protection strategies, personal wealth management

A Frugal Retirement is the Fruit of the Accumulation Focused

Posted by Joel Capperella on Tue, Nov 04, 2014

Because most Americans are sold on prioritizing accumulation for the long run above any other approach they are placing themselves on a path that will lead to a frugal retirement.  The reason for this lies in the nature of wealth management today and more specifically a personal finance industry that places importance not on asset protection strategies but on maximizing returns associated with accepting high levels of risk.   An accumulation only focus, however, restricts retirement income options for those who employ such a strategy, and ultimately leads many to a forced frugal retirement.

Read More

Tags: alternative retirement plan, frugal retirement,

Why Most Personal Wealth Management Concerns Are The Same (Part 3)

Posted by Joel Capperella on Mon, Oct 27, 2014

This is part 3 in a series covering the explanation of why most Americans share the same concerns over their personal wealth management.  Part one covered the history of the 401k and the fact that it was never intended to be the sole source of an individual’s retirement income.  Part two covered the typical focus of the personal finance industry on accumulation. Also be sure to read the post on the four most common concerns of asset protection strategies.  

The accumulation focus of today’s personal finance industry minimizes the opportunity for most consumers to properly factor the impact of income taxes during retirement.   Most know at least one person in their lives who are currently in retirement and are now paying a tax bill that has been assured by their participation in qualified (tax deferred) plans. Across the board there is a single sentiment about this situation, dislike.  

Read More

Tags: tax deferment, personal wealth management

Why Most Personal Wealth Management Concerns Are The Same (Part 2)

Posted by Joel Capperella on Mon, Oct 20, 2014

This is part 2 in a series covering the explanation of why most Americans share the same concerns over their personal wealth management.  Part one covered the history of the 401k and the fact that it was never intended to be the sole source of an individual’s retirement income.  Read the post on the four most common concerns of asset protection strategies.

Since 1980 personal wealth management by accumulation has increased.  The 401k has been massively successful, but more for the financial services industry than the average investor concerned over their personal wealth management.  By exploiting tax code to make it easy for employees to capitalize on their employers’ deferred income incentive the financial services industry has grown from just 4.9% of GDP in 1980 to over 8% of GDP in 2011.  This number continues to climb every year, and examining the source of this increasingly large portion of the United States economy we find that the largest growth has been associated with fees accumulated in exchange for these services

Read More

Kaepernick, NFL, Bose, Beats, and Wealth Advisors

Posted by Joel Capperella on Fri, Oct 17, 2014

wealth-advisorsThe news that the NFL fined San Francisco 49ers quarterback Colin Kaepernick $10,000 for wearing Beats by Dre headphones in violation of an NFL contract with Beats competitor Bose, is a curious analogy of the ridiculousness that wealth advisors engage in on a nearly daily basis.   The NFL, Bose, and Beats by Dre (which is now owned by Apple) are not exactly small businesses. Each multi-billion dollar entity has the cash flow, strength and influence to make significant impacts on not only consumer preferences but also culture itself.  So it is amusing when such large entities run into situations that transcend their influence.

Read More

Tags: personal wealth management, wealth advisors

Why Most Personal Wealth Management Concerns Are The Same (Part 1)

Posted by Joel Capperella on Mon, Oct 13, 2014

Last week we wrote a post that covered the most common concerns over asset protection strategies.  Today we start a three part series on the reasons why most personal wealth management concerns are seemingly so similar.  First I want to encourage you to read the post linked above, but in the interest of convenience here is a quick summary.  Those that we educate at our seminars almost always have one of the following concerns over protecting their hard earned accumulated assets: 

Read More

Tags: 401k, personal wealth management

Because it is Eagles Giants

Posted by Joel Capperella on Fri, Oct 10, 2014

Most of our readers are in the Philadelphia region, in fact probably 90+ percent.  So if you happen to be out of the region you have to understand something about NFC East football, it is intense.  It honestly doesn’t matter which opponent in the east your team is playing, they are all rivals.  It doesn’t matter how well your team is doing, an NFC East matchup is a big deal.  But it reaches a completely higher level when the two rivals are vying for the top spot in the conference and the game is the national game of the week.   That is what is going on this Sunday night.  The 4 – 1 Eagles vs the 3 – 2 Giants. Bradley Cooper (Philadelphia native if you didn’t know) gets it.  Check this out!
Read More

Tags: Football

The 4 Most Common Concerns Over Asset Protection Strategies

Posted by Joel Capperella on Thu, Oct 09, 2014

For the last decade we’ve held seminars all across the Delaware valley speaking to literally thousands of average investors. While the amount of their accumulated wealth varies, there is one consistency that is common across nearly every single person that we have educated.  They want to implement asset protection strategies to protect what they’ve accumulated but don’t necessarily know how to best go about creating one or putting one into place.  More specifically there are four common concerns over asset protection strategies, and our seminars attendees almost always have two or more of them on their minds. 

Read More

Tags: asset protection strategies