<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=2055643904680562&amp;ev=PageView&amp;noscript=1">

The Caldwell Trust Company Blog

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.

Read More
0 Comments | View Comments

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.

Read More
0 Comments | View Comments

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.

Read More
0 Comments | View Comments

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.

Read More
0 Comments | View Comments

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.

Read More
0 Comments | View Comments

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.

Read More
0 Comments | View Comments

Topics: Retirement Plan Services

What Happens If You Don't Have an Estate Plan?

Posted by Sonya Kristie

An estate plan gives you the opportunity to proactively manage your individual asset base if an accident, illness, or other event should leave you incapacitated or deceased.

With proper estate planning, you can provide clear instructions for managing and distributing your assets and liabilities, and ensure your decisions are carried out. A few key components of estate planning include selecting who will receive your assets, as well as who will be responsible for paying any outstanding debts and settling any estate taxes.

Most people turn to an attorney who has experience in estate law to ensure they have done everything correctly, to make important estate plan updates, and to provide counsel if needed.

Read More
0 Comments | View Comments

Topics: Trusts & Estate Planning

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.

Read More
0 Comments | View Comments

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).

Read More
0 Comments | View Comments

Topics: Retirement Plan Services, Investments

We Live in the Future: Plan for Digital Asset Management

Posted by Tony Blasini, CPC, QPA

Read More
0 Comments | View Comments

Topics: Digital Assets, Trusts & Estate Planning, Living Wills

 


 

Leave a comment for this blog post:

Follow Caldwell Trust Company

 facebook  twitter  linkedin  icon_youtube  icon_pinterest

Subscribe to Email Updates

Recent Posts