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The Caldwell Trust Company Blog

Florida Public Relations Association Honors Sheryl Vieira

Posted by Caldwell Trust

The Central West Coast Chapter of the Florida Public Relations Association (CWC-FPRA) surprised Sheryl Vieira, Caldwell’s Vice President of Marketing and Public Relations, with its highest honor, the Ginnie Duffy Troyer Award of Professionalism, at its annual meeting at Sarasota Yacht Club. The award is named in honor of former Central West Coast Chapter member and FPRA State Association President Ginnie Duffey Troyer, APR, CPRC. 

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Topics: In the News

Special Market Commentary

Posted by Chris McGee, CFA CAIA

The Bottom Line - - We continue to be optimistic and have advocated not taking any drastic action during this period of heightened volatility and decline. We believe that this environment will persist through the elections in two weeks but that the bias is ultimately to the upside. In our view, the current market environment presents a buying opportunity. Many stocks have been put on sale and we will continue to seek out solid companies with decent prospects for the future. We believe fixed income investing will continue to be difficult but that opportunities still exist in short term securities tied to increasing interest rates, low volatility portfolios, and high yield bonds.  

 

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Topics: Market Preview

Worth the Risk: How Millennials Can Overcome the Fear of Investing

Posted by Kimberly Evener

While one-third of all millennials say they invest in the market, more than half of Millennials, who lived through the Great Recession, claim they will never be comfortable with investing in the stock market. Along with discomfort, lack of funds and poor financial literacy keep this generation from trusting the market. However, investing is a proven way to bolster financial security long-term, and there are ways to equip Millennials with the tools and knowledge they need to be financially secure now and later on in life.

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Topics: Investments

Luis Morales Finishes First Year of FBA Trust School

Posted by Caldwell Trust


Luis Morales has completed the first year of the Florida Bankers Association’s three-year Trust & Wealth Management School, which provides an intensive, in-depth program focusing on trust matters. Luis joined Caldwell earlier this year as a trust associate and is based in the Sarasota office.

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Topics: In the News

A Breakdown of Key Elements Inside an Estate Plan

Posted by Gina B. Jordan, CFP® , CTFA

Estate planning is something that people know they should do, but most never do it. In fact, nearly 60% of adults lack important estate-planning documents, according to a Caring.com study.

Although it may be uncomfortable, estate planning has a positive impact in your time of need, giving you and your family reassurance that your wishes will be carried out upon your death. If you don’t have an estate plan in place, you risk giving the court control over how your assets are distributed, or worse even, your entire estate can go to the state. In either case, you may cause your grieving family a great deal of stress and trouble that could have been avoided with an estate plan.

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Topics: Trusts & Estate Planning

Market Preview for Week of 10/15/18 - Investor Sentiment

Posted by Chris McGee, CFA CAIA

Executive Summary:

  • Domestic equities decline meaningfully
  • Global markets generally fare worse
  • Equity markets repricing after rates rise

Let’s dispel some topical misperceptions regarding last week’s sell-off in the domestic equity markets.

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Topics: Investments, Market Preview

Building An Adequate Fund Line-Up for Your Company's 401(K) Plan

Posted by Tony Blasini, CPC, QPA

The main reason for running a 401(k) plan is to provide a way for your employees to build a retirement nest egg through tax-deferred investing. Hence, your investment options are the backbone of your 401(k) plan, and choosing the right mix of investments - known as your fund line-up - is a critical step in creating the best possible retirement plan for your employees.

Some employers may choose to partner with an investment advisor to help them build their 401(k) fund line-up. But whether you seek help or go at it alone, there are four best practices that you should uphold to effectively enhance your employees’ retirement savings.

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Topics: Retirement Plan Services

Monthly Market Commentary: September 2018 Recap

Posted by Chris McGee, CFA CAIA

Considering it was September, domestic equity markets performed relatively well last month. The red-hot NASDAQ cooled a bit losing .63%. Both the S&P 500 and Dow posted gains; .81% for the S&P, 2.56% for the Dow. Year-to-date the NASDAQ, S&P 500, and Dow have advanced 16.56%, 8.99%, and 7.04% respectively. 2018 could be a very good year for domestic stocks as we enter the fourth quarter which is a time of year domestic equity returns typically excel.

Performance on the sector level reflects the strong performance the Dow turned in last month as the Industrial and Energy sectors rallied both gaining more than 3% for the period. Health Care issues continued to rally tacking on another 3.35% in September. For the year the Health Care sector has advanced over 15%. The Technology and Consumer Discretionary sectors continue to outperform all other sectors for the year with gains north of 20%. Many of the defensive sectors continue to underperform on a relative basis.

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Topics: Market Preview

Participant Loans in Defined Contribution Plans: Key Pros and Cons for Your Business

Posted by Tony Blasini, CPC, QPA

The decision to offer participant loans in defined contribution (DC) plans is complex and requires careful consideration.

As an employer, it is commendable to want to provide a range of financial options for your employees. However, you also want to make sure that the benefits to your organization—and to your employees—outweigh the costs of such a program.

Before signing off on providing participant loans in DC plans, there are a number of things for you to consider.

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Topics: Retirement Plan Services

 


 

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