Capstone Connections

Investment Perspective – 3rd Quarter 2019

Unlike the first quarter when stocks moved up sharply in almost a straight line, the second quarter was choppier. Stocks, however, still finished with modest gains. Investor optimism from better-than-expected first-quarter earnings reports turned into pessimism amid escalating U.S.-China trade tensions. Investor pessimism eventually reverted after the Federal Reserve (the Fed) indicated that they could cut rates if the economic outlook deteriorated… Continue reading

Posted in Investment Perspective |

Capstone Announces Team Member Promotions

Capstone Financial Advisors is pleased to announce the promotions of key members of its growing team: Amber Salzman, FPQP® to Manager of Client Services, Elizabeth Lardizabal, FPQP® to Senior Client Service Specialist, Brian Peterson, CFP® and Kyle Grabenstetter,CFP® both to … Continue reading

Posted in Firm Updates |

What You Should Know About Annuities

According to the latest study by the Centers for Disease Control and Prevention, from 1900 to 2016, the average lifespan for an individual living in the United States increased from 47 to almost 79 years of age – an increase of 66%.1. Because of continued major advances in public health and social awareness, people living in the United States and much of the developed world have been able to live much longer. Though these advances have been nothing short of spectacular, one problem this has created is that some people may now outlive their financial assets… Continue reading

Posted in Cash Flow and Liability Planning, Insurance Planning |

Capstone Welcomes Anood Sadiq as Client Service Specialist

Capstone Financial Advisors is pleased to announce the addition of Anood Sadiq as a Client Service Specialist. In her role, Anood will work with Capstone’s Senior Wealth Advisors to service the financial needs of clients. Anood is an Illinois native … Continue reading

Posted in Firm Updates |

Investment Perspective – 2nd Quarter 2019

The U.S. stock market rebounded sharply in the first three months of 2019 posting its best quarterly return in almost ten years. Similarly, international stocks performed well, reversing course from losses in 2018. These early-year stock market gains were buoyed by growing optimism on a potential U.S.-China trade resolution and new indications from the U.S. Federal Reserve (and other central banks abroad) that interest rate increases in 2019 are off the table… Continue reading

Posted in Investment Perspective, Investment Planning |

How to Potentially Increase Your After-Tax Portfolio Return Without Adding Risk

For taxable investors, the cost of annual taxes paid on portfolio income (i.e., interest and dividends) and capital gains can be one of the biggest detractors to a portfolio’s return. Unfortunately, the amount of portfolio return lost to taxes is not explicitly identified on most types of portfolio performance reports. For this reason, investors can easily forget to periodically review their portfolio to ensure it is tax-efficient… Continue reading

Posted in Tax Planning |

How to Manage and Quickly Pay Down Student Loan Debt

It’s no secret that student loan debt is as high as it’s ever been in America. According to the latest studies from 2017, student loan debt nationwide totals $1.4 trillion across more than 44 million borrowers. Paying thousands of dollars each year can be daunting for recent graduates who may not get the job they want immediately after graduating, or who may have relatively low starting salaries… Continue reading

Posted in Cash Flow and Liability Planning, Next-Generation Planning |

3 Important Financial Planning Steps to Take in Your 20s

When starting a new journey, the hardest part can sometimes be taking that first step. The same holds true when it comes to your finances. A starting point for many can be in their early twenties, when they are beginning a new career and starting the process of becoming financially independent. Although everyone’s journey to financial wellness may look different, there are a few good habits that can quickly and effectively put you on the right path to success. Continue reading

Posted in Financial Planning |

Investment Perspective – 1st Quarter 2019

International stock markets declined throughout 2018, and investor pessimism eventually pulled U.S. stocks down sharply at the end of the year. While stocks finished 2018 down 5.2% in the U.S. and 14.8% internationally, both went through “bear markets”: declines of 20% or more from recent peaks. The significant fall across stocks that had finished 2017 with double-digit returns reflected a healthy, albeit painful readjustment of lofty investor expectations… Continue reading

Posted in Investment Perspective, Investment Planning |

Our Perspectives on Recent Market Volatility

During the last three months of 2018, stock markets around the world sold off as investors became increasingly apprehensive about a global economic slowdown. Concerns about a slowdown actually started earlier in the year. Tariffs and threats of such slowed international trade, impacting China and Europe. Meanwhile, unfavorable currency movements hurt emerging market countries across the board that are heavily dependent on imports, exports, and international investment. More recently, investors are concerned that the slowdown is spreading and might eventually hurt the U.S. economy… Continue reading

Posted in Investment Planning, Topical |