Well Balanced

This week's podcast discusses divorce's emotional and financial complexities. It features personal insights from Vector's Scott Rose and expert advice from managing director Sharon Calhoun, a Certified Divorce Financial Analyst (CDFA).

Listen in to gain a deeper understanding of asset division, spousal support, and the importance of building a professional team early in the process. Sharon explains why financial assets like IRAs and brokerage accounts should be treated differently in settlements. Scott and Sharon tackle financial planning topics that should be considered before signing a divorce agreement.

Whether you're considering divorce, in the midst of...

In this episode of our Well Balanced podcast, Jason Ranallo sits down with George, who is four years into retirement and a client at Vector. In this conversation, they unpack a life enriched by travel, birdwatching, and the pursuit of experiences. George shares how he has prioritized travel and adventure, starting with canoe trips in the Ozarks and SCUBA diving in Mexico.

Later in life, when his kids were around 10-12 years old, he and his family took a Y2K trip around the world. Another pivotal moment in George's life came in 2010 when a health scare...

News Recap: Inflation, Mortgage Rates, and the Stock Market.

Learn why owning assets that outpace inflation is a key tenet to navigating today's economic landscape. We explore recent trends in inflation, mortgage rates, and the stock market, offering insights on how to preserve your purchasing power.

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Transcript:

In this episode of Market Perspective, we will explore recent developments in the financial world and what they could mean for you. Specifically, we’ll discuss how re...

Did you know that individuals can gift up to $18,000 without incurring any tax? For married couples, this amount can be doubled to $36,000 through gift splitting, making it a powerful tool for transferring wealth. In our latest podcast episode, senior wealth advisor Mike Nesheim discusses the annual gift tax exclusion, among other financial planning strategies for intra-generational wealth transfer.

When gifting highly appreciated assets such as stocks or real estate, Mike says donors should understand that the gift recipients will take on the capital gains tax liability–advantageous if the recipient is in a lower tax bracket. However, as...

We are excited to share the latest conversation in our intra-generational wealth transfer series. In this episode, Chris Wagner, one of Vector's knowledgeable wealth advisors, shares financial planning insights to help ensure your financial legacy.

Learn how to use different financial planning tools to avoid probate, set wealth transfer conditions, and honor your wishes. We discuss beneficiary designations, the roles of wills and trusts, and trust administration. Chris says, for some families, establishing beneficiary designations can solve a majority of the estate planning and it doesn't cost anything.

One of our roles at Vector is...

Ever wondered how to effectively pass on your legacy while ensuring your own financial security? Learn about intra-generational wealth transfer with Joe Grochowski, a long-serving advisor at Vector Wealth. Joe shares his practical experience to help you navigate the complexities of gifting, inheritance, and financial planning. 

This episode isn't just about numbers; it's about making thoughtful decisions that honor your family's values. If you're exploring the idea of a lump sum inheritance or distribution throughout your heirs’ lives, this guidance will help you frame your decision-making. We consider the implications of intra-generational wealth transfer. Join us by wat...

In our latest podcast episode, Jason Ranallo, Director of Portfolio Management, provides an in-depth review of recent market performance and key economic trends. Starting with last quarter’s market and discussing the impact of index concentration, this episode is packed with valuable insights. We also cover global investment, currency exchange effects, housing market trends, inflation, wage growth, and consumer sentiment.

Whether you're interested in understanding the current state of the market or looking for a strategic understanding, this podcast episode offers a comprehensive overview. Tune in to gain a better understanding of the economic landscape. The central th...

We are excited to share insights from Vector’s latest Well Balanced podcast episode, which features Tory Schaefer, Senior Director of Yoga Operations at Lifetime.

Tory joins Sharon Calhoun, Vector’s Managing Director, to discuss the importance of integrating a wellness practice, like yoga, into your life. Discover how to stay present, reduce stress, and support better decision-making. Whether you're a seasoned yoga practitioner or just curious about ways to stay grounded, this episode offers valuable tips for a well-balanced life.

Some of you may be wondering what yoga has to do with retirement and fina...

As of this month, there are only three companies in the world that have achieved a market capitalization (market value) of over $3 trillion: Nvidia, Microsoft, and Apple. One thing these companies have in common is artificial intelligence.  

In this Market Perspective episode, Vector’s Jason Ranallo discusses past and present concentrations of market leadership.

We look back 30 years to companies like General Motors, Cisco Systems, and General Electric. At the time, these blue chips were some of the largest in the market. They came out of a century that saw the mass adoption of cars, rad...

Our message today is for the students in your life. Learning is a lifelong pursuit, and transitions like graduation can mark milestones in your student’s education journey. We know that many in our audience value the importance of establishing a solid financial foundation, and starting early can be a big part of that.

Here are five financial planning topics perfect for sharing with those just starting out in their careers or taking the next step.

Create a Budget Manage Student Loans Build an Emergency Fund Start Saving, Consider Investing Maintain Good Credit

Focusing on th...