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The Caldwell Trust Company Blog

Estate Planning Terms Defined: Will, Trust, Power of Attorney, Letter of Instruction, and More

Posted by Gina B. Jordan, CFP® , CTFA

Estate planning is something each of us needs to do. In the event of illness or death, an estate plan makes it easier for your loved ones to manage your affairs and assets.

The prospect of completing your estate plan, however, can be overwhelming, especially if you don’t understand the terminology. That’s why we’ve compiled this list of the most common words used in planning the management and disposition of your assets upon your death. When you have a better grasp on key terms, you’ll be better prepared to complete an estate plan that meets your needs and helps your loved ones cope with whatever the future brings.

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Topics: Trusts & Estate Planning

Profit Sharing Plan Allocations – What’s Best for My Plan?

Posted by Tony Blasini, CPC, QPA

When it comes to retirement plans, there are many choices. One option that this article will dive into today, is the “profit sharing plan” which is a type of defined contribution plan that allows businesses to provide discretionary contributions -- meaning they can decide from year to year how much to contribute (or whether to contribute at all).

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Topics: Retirement Plan Services, Investments

We Live in the Future: Plan for Digital Asset Management

Posted by Tony Blasini, CPC, QPA

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Topics: Trusts & Estate Planning, digital assets, Living Wills

Investor Sentiment August 28 2018: Dow Jones Industrial Average up .47% for the Week

Posted by Chris McGee, CFA CAIA

 

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Topics: Market Preview

Tips for Having Conversations with Your Family About Estate Planning

Posted by Sonya Kristie

Talking about estate planning with your loved ones isn’t always easy. In fact, it can sometimes feel a bit morbid and uncomfortable for everyone involved. However, having frank conversations now can be a valuable gift for those you care about most, helping avoid or limit frustration, confusion, and other potential issues later. When you’re able to engage in an open dialogue with loved ones, you can make sure they understand the reasoning behind your decisions. Such conversations can also help heirs feel prepared, so when the time comes to execute your plan, they are not in the dark.

Here are four tips that can help make family estate planning discussions somewhat easier for you and everyone involved:

1. Start Early (and Repeat)

While it makes sense to hold off on talking about specifics with young children, there is no reason you cannot engage your children and grandchildren in discussions about your personal and family values starting at a young age. Talking generally about what’s most important to you can help create a common understanding for your legacy. Having age-appropriate discussions with adult children, and with your nominated personal representative, trustee, attorney-in-fact, and health care agent is the best way to ensure your wishes will be honored and carried out. Don’t wait until you become ill or until a crisis strikes.

However, having the conversation once is just the start (and a good start). There are some key life occurrences that call for an updated estate plan, and possibly updated conversations as well. You can learn more about those here.  

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Topics: Retirement Plan Services, Investments

Investor Sentiment August 21 2018: Health Care Stocks Suddenly Performing Well

Posted by Chris McGee, CFA CAIA

  • Equity markets mixed for the week
  • Health Care stocks suddenly performing well
  • Defensive sectors performing the best
  • Broad domestic equity market doing better than it feels

Domestic equity markets were mixed for the week with the Dow and the S&P 500 both up and the NASDAQ declining slightly. The Dow put in the best performance gaining over 1%. More importantly, concern over the situation in Turkey and potential for a contagion dissipated. Several high visibility companies (Cisco and Walmart) reported strong earnings and prospects. On the negative side Nvidia which has been a darling lowered forward guidance and shares sold off. We are at the very tail end of Q2 earnings season.

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Topics: Market Preview

Alan H. Blair Celebrates 10 Years with Caldwell Trust

Posted by Sheryl Vieira

Vice president and trust officer Alan H. Blair joined Caldwell Trust Company in October 2008, just as Caldwell was marking its 15th anniversary. It was a landmark year for Alan as well—the continuation of nine previous years as a trust officer, following on a highly successful 34-year career in higher education. Before joining Caldwell, he had been with Sun Trust Bank in Sarasota since 1999, where he was a senior regional trust officer and first vice president. In 2004 he also became major gifts officer at Wagner College, Staten Island, New York.

Throughout his career, Alan has combined his backgrounds in education and finance, providing institutional advancement services to colleges and trust admini

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Topics: Corporate, In the News

Investor Sentiment - Monthly Summary - August 2018

Posted by Chris McGee, CFA CAIA

July was kind to the domestic equity markets as the major indices all advanced meaningfully. The S&P 500 and the Dow Jones Industrial Average were up 300 basis points or better. The NASDAQ which has lead markets higher all year was up almost 250 basis points for the month. While it may not feel like it the S&P 500 is on track to post normal annualized gains in 2018. All three major indices are positive year to date: S&P 500 index up 5.34%; the NASDAQ up 11.13%; The Dow is up 2.82%.

Global equity markets also improved on the month but are negative for the year the MSCI EAFE index (Europe, Australia, and the Far East) is down just over 2% and the Emerging Markets index is down mid- single digits. These returns pale in comparison to last year and have a lot to do with the dollar strengthening and currency fluctuations.

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Topics: Market Preview

Investor Sentiment - Strong Initial Q2 GDP Numbers Released

Posted by Chris McGee, CFA CAIA

  • Domestic equity market returns mixed on the week.
  • Bond yields inch up
  • Strong initial Q2 GDP numbers released

For the second week in a row both the S&P 500 and the Dow Jones Industrial Average turned in positive results while the tech heavy NADAQ declined. The Dow was up over 1.5% for the week; the S&P 500 over .5%, and the NASDAQ declined just over 1%. The easing of trade tensions may have helped money flow into some of the more cyclical sectors like Industrials and Materials.

Facebook’s earnings results – slowing subscriber growth and less optimistic guidance – renewed concerns over the dominance of a handful of technology stocks driving market performance. Financial issues have also posted a strong month which has hurt the NASDAQ’s performance on a relative basis (compared to the S&P 500 and Dow) as of late. That said, the Technology and Consumer Discretionary (heavily influenced by Amazon) sectors have dominated performance for both the last 3 months and year-to-date.  Read More
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Topics: Market Preview

5 Life Occurrences When Your Estate Plan Should Be Updated

Posted by Jan Miller

If you already have your will, trust, and other estate planning documents in place, congratulations. You’ve taken an important step toward ensuring your wishes will be carried out when you die, or during periods of lifetime incapacity. However, don’t make the mistake of thinking your documents are carved in stone; they’re not. In fact, you should review them every three years or even more frequently, such as when reviewing your financial plan. Several types of life events could necessitate changes to your existing estate planning documents:

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Topics: Trusts & Estate Planning

 


 

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