The Capital Stewards Podcast

In this episode, we break down the complex economic landscape of Q2 2026, navigating the aftermath of the conflict in Iran and the resulting impact on global markets. While a recent ceasefire has brought some stability, investors are left with critical questions regarding oil prices, the "Mag Seven" tech stocks, and a labor market that may be showing signs of fatigue.We explore whether the recent uptick in economic data is a sustainable recovery or a "data mirage" driven by inventory rebuilding and backlogs. Whether you are a long-term investor or looking for specific insights into gold, bonds, or international markets, this comprehensive guide provides the data-driven perspective you need to stay anchored in an uncertain environment.📊 Want to see the data? This episode features numerous charts detailing GDP, ISM surveys, and asset performance. Consider watching the full video to follow along with the visual analysis00:00 – Intro & What's Ahead02:16 — Market Recap: S&P 500, International Stocks, Bonds & Gold03:18 — Long-Term Returns: Why History Favors Patient Investors05:29 — U.S. Economic Update: GDP, ISM Manufacturing & Services Data07:39 — The K-Shaped Economy: Consumer Spending, Wages & Savings09:29 — Labor Market: Job Creation, Wage Growth & Warning Signs12:05 — Iran War & Ceasefire: Oil Prices, Strait of Hormuz & What's Next14:29 — Inflation Outlook: PCE, Tariffs, Housing & Services15:50 — Stock Market Outlook: Why Global Diversification Still Matters17:28 — Diversification & Income Outlook : Gold, Bonds & Fixed Income19:21 — Private Credit: Risks & Reality Check20:47 — Real Estate Opportunities in 202621:35 — Practical Steps for Investors Right Now🔗 Learn more about Capital Stewards:Website: https://www.thecapitalstewards.comStart a Conversation: https://www.thecapitalstewards.com/startconversationCapital Stewards is a fee-only fiduciary financial advisory firm based in Huntsville, Alabama, helping clients with retirement planning, investment management and tax strategies. This content is for general information and educational purposes only and should not be construed as specific investment, tax, or legal advice. Past performance is no assurance of future results.

Is healthcare your retirement "blind spot"? In 2026, the landscape of retirement healthcare has fundamentally changed. With Medicare Part B premiums crossing $200 for the first time and new legislative shifts from the One Big Beautiful Bill Act (OBBBA), failing to plan is planning to overpay. In this episode of the Capital Stewards Podcast, we break down the exact strategies you need to protect your portfolio from rising medical costs and "stealth taxes". 💡 What You’ll Learn: - The 24-Month Window - The ACA "Cost Cliff" - The Federal Government Employee & Military Strategy - Long-Term Care Realities - Income Engineering About Capital Stewards: We are a fee-only fiduciary advisor based in Huntsville, AL, dedicated to helping families navigate complex financial transitions with transparency and expertise. Have Questions? Start a Conversation with Us Here: https://www.thecapitalstewards.com/startconversation #retirementplanning #Medicare2026 #HealthcareCosts #FinancialAdvisorHuntsville #CapitalStewards #TRICARE #FEHB #LongTermCare Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

The Super Bowl is over, which means it’s officially tax season on the Capital Stewards Podcast. In this annual tax guide episode, we move beyond the "annual hunt for deductions" to discuss how you can create significant tax reduction over the long term. With the passage of the OBBBA last summer, the tax landscape has changed for 2025 filings and 2026 planning. Whether you are a business owner, a high-earner, or planning for retirement, this episode covers the strategic moves that actually "move the needle".🕒 Key Chapters in This Episode:0:00 – Unofficial Super Bowl Ad "O-Meter" (Anthropic, Budweiser, & more) 3:15 – The "Deduction Hunt" is Dead: The Power of Long-Term Planning 5:30 – New 2025 Standard Deductions & the Enhanced Senior Deduction 8:45 – The OBBBA "Big Three": No Tax on Tips, Overtime, and Car Loan Interest 12:10 – SALT Cap Changes & HSA "Trifecta" Benefits 15:40 – Retirement Account Strategies: ROTH vs. Traditional 18:20 – Trump Accounts for Children: What You Need to Know 21:05 – Local Tax Updates: Alabama, Georgia, and Tennessee 💡 What You’ll Learn:The "Big Three" OBBBA Deductions: How to qualify for tax-free tips and overtime pay, and how to write off interest on U.S.-assembled vehicles.Enhanced Senior Benefits: How to unlock up to $12,000 in extra deductions if you are over 65.Strategic HSAs: Why 2026 is the year to start using your HSA for concierge or subscription-based primary care.Real Estate & Business: Utilizing 100% bonus depreciation and the permanent QBI deduction to lower your effective rate.Taxes are a long-term game. Don’t just file your return—structure your life and business for maximum efficiency.Connect with Capital Stewards: If you have questions about integrating your tax planning with your investment portfolio, reach out to us today:https://www.thecapitalstewards.com/startconversation#TaxPlanning #OBBBA #2026Taxes #FinancialPlanning #CapitalStewards #RetirementPlanning #taxdeductions Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

This episode of the Capital Stewards Podcast challenges everything you thought you knew about a balanced portfolio. Many investors believe they are diversified simply because they own multiple funds, but in reality, they are just "collectors" of the same underlying risks. As the "easy" era of zero-interest rates ends, we explore why the old playbook of just buying stocks and bonds is no longer a guaranteed shield. We dive into the math of systematic risk and duration, explaining why high-flying AI tech stocks and long-term bonds can often be the exact same bet. In This Episode, You’ll Learn: The Collector’s Myth: Why owning five different tech-heavy funds actually equals one giant bet on U.S. large-cap growth. Systematic vs. Company-Specific Risk: Why you can’t diversify away a market crash by simply buying more of the same stocks. The New Reality: How inflation and rising interest rates cause stocks and bonds to fall at the same time. Real Diversification Strategies: How to incorporate low-correlation assets like gold, commodities, and international markets to build resilience. The Return of Bond Income: Why shortening your duration and focusing on yield is the key to a modern fixed-income strategy. Stop counting line items and start measuring correlation. If everything in your portfolio turns red on the same day, you aren't diversified—you’re leveraged. Join us as we discuss how to build a portfolio that zags when the market zigs. Connect with Us: If you have questions about your specific portfolio or want to discuss how these strategies apply to your situation, please reach out anytime. https://www.thecapitalstewards.com/startconversation#Investing #PortfolioManagement #Diversification #StockMarket #Bonds #Gold #AI #FinancialPlanning Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Are we currently in a stock market bubble? In the 2026 Outlook from Capital Stewards, Brian Seay explores the "K-shaped" dichotomy of the current economy: a booming AI sector contrasted with a cooling labor market and stagnating "Main Street" growth. We break down the data on inflation, the impact of 2025 tariffs, and whether the Fed's expected rate cuts will be enough to spur a rebound. Whether you are a Huntsville tech professional or planning for retirement, this episode provides the data-driven roadmap you need for your 2026 investment strategy. Key Topics Covered: The 2025 Market Recap: Why Gold (+60%) and International Stocks (+30%) outpaced the U.S Stock market. AI "Bubble Watch": Analyzing the actual cash flows of Nvidia, Microsoft, and Google. The Labor Market: Why unemployment is rising despite low layoffs. Inflation & Tariffs: What to expect for your Social Security COLA and real income. Asset Allocation: Why diversification into Bonds, Real Estate, and Gold is critical in 2026. 0:00 - Introduction: The Big Questions for 2026 2:05 - 2025 Performance Review: Stocks, Gold, and Bonds 3:00 - The Power of Sticking to the Long-Term Plan 5:03 - The AI Boom vs. Main Street: The K-Shaped Economy 7:05 - Labor Market Deep Dive: Why Unemployment is Rising 13:05 - Inflation, Tariffs, and Your Social Security COLA 18:20 - Bubble Watch: Is it 1999 All Over Again? 23:14 - Global Opportunities: Emerging Markets & AI 25:03 - Gold: The Strategic Hedge for 2026 27:24 - Fixed Income: Earning the Coupon in a New Era 31:42 - Real Estate Outlook: Residential vs. Industrial 35:02 - Summary: How to Build a Resilient 2026 Portfolio Start A Conversation with Us: https://www.thecapitalstewards.com/startconversation Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Did Wall Street predict the 2025 market boom, or did they miss the mark?In this episode of the Capital Stewards Podcast, we are "keeping the receipts." We look back at the forecasts made at the end of 2024 by major firms like Goldman Sachs, JP Morgan, UBS, and PIMCO—as well as our own internal outlook—to see how they stacked up against reality.From the "K-shaped" economy and the massive AI CapEx build-out to the surprise performance of International stocks and Gold, we break down what the experts got right and where they completely missed the boat.In this episode, we cover:The Economy: Why the recession didn't happen and how AI saved the GDP numbers.The Stock Market: S&P 500 targets vs. reality (6800+), and the failure of the "broadening rally" thesis.Bonds & Rates: Did PIMCO make the right call on fixed income?The Big Surprise: The asset class that rallied over 50% this year.The Lesson: Why portfolio construction matters more than crystal ball gazing.The point of this exercise isn't to poke fun at analysts, but to demonstrate the humility required to be a successful long-term investor. If the biggest banks in the world can't predict the short term, how should you build your portfolio?👇 Chapters: 0:00 - Intro: Keeping the Receipts 1:15 - The 2025 Economy: AI vs. The Real Economy 3:28 - Economic Forecasts (Goldman, JPM, Wells Fargo) 7:05 - The Stock Market: S&P 500 Predictions vs. Reality 9:42 - International Stocks10:45 - The Bond Market: PIMCO, BlackRock & Rates 12:55 - Gold: The Top Performing Asset of 2025 13:55 - Why We Listen to Outlooks (Despite the Misses) 15:10 - How to Build a Portfolio Without a Crystal Ball 17:35 - Looking Ahead to 2026🔔 Subscribe for our upcoming 2026 Outlook Episode!Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Are "alternative investments" like Private Equity and Venture Capital the secret to building wealth, or are they just complicated hype?In this episode, we break down everything you actually need to know. We ditch the "alternative" label and re-categorize these investments by the job they do for your portfolio: driving growth or providing diversification.We also debunk the biggest myth in investing: the idea that private assets have low risk. We'll show you why that "low volatility" is a statistical illusion and why assets like private equity carry just as much risk as the stock market.Join us as we cover:The "J-Curve": Why you lose money before you make it.Manager Selection: The massive (and critical) difference between a top-tier manager and an average one.The Liquidity Trap: The truth about new "liquid" interval funds.401(k)s: Should you really hold these in your retirement plan?Capital Stewards is a fee-only fiduciary financial advisor in headquartered in Huntsville, Alabama serving clients throughout the southeast. Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Tax time is NOW, not in March of next year. Once we turn the page to next year, your ability to reduce your taxes and take advantage of some of these strategies will be gone! In our year end planning tips episode, I breakdown 10 strategies for you to consider before we close out 2025. 1) Why you need Tax Projections2) Retirement Account Planning and Contributions for IRAs and 401(s)3) ROTH Conversions4) Flex Spending Accounts 5) Saving Taxes with Health Savings Accounts (HSAs) 6) Avoiding Mutual Fund Distributions / "Phantom" Distributions7) Tax Loss Harvesting 8) Income Planning 9) Charitable Giving Strategies10) Portfolio Rebalancing – Avoiding a big drawdown. Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

There are a lot of questions on the minds of investors. Usually after a big market gains like we experienced over the summer, everyone is happy and thinks things are going great. But I hear a lot of concerns from folks on a regular basis this time around. I think that’s warranted because we are living in a world with two different economies running simultaneously. One is in a recession. The other is partying like it’s 1999. How we invest wisely based on what’s really happening is going to be very important over the next few months and into 2026. In this outlook, we’re going to talk about the gains we have seen so far this year and whether we are in a market bubble. I’m also going to help you resolve the difference between your feelings about the economy and what you are seeing in your portfolio – because what you feel may not be what you’re experiencing in your investments. As always, I will share my views on the stock market, interest rates, the Fed, inflation, real estate and other assets like Gold. Would you like to connect?https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Today we’re diving deep into one of the most important—and often misunderstood—pillars of retirement planning: Social Security. Whether you’re a few years from retirement or already mapping out your retirement income strategy, understanding how Social Security works—and how to optimize it—can make a six-figure difference over your lifetime. We’ll cover everything from when to claim to spousal benefits to tax implications. So Lets Dive in. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed

Are we in a stock market bubble? The market certainly “feels” overvalued relative to our experiences in the economy day in and day out. The phrase "stock market bubble" is in the media a lot and many of our clients and friends have asked me the magic question – are we in a stock market bubble? Is this irrational exuberance or is it rational growth? So on this episode we will talk about where things stand relative to past bubbles, and I’ll answer the questions no one seems to want to answer on the record – are we in a bubble? Have Questions? Want to Talk? https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

It’s back-to-school time at our house so this episode is all about education planning and paying for college. I hear so many question about college planning:How do I guide my kids to choose the right school? Or no school at all? Is college worth it?How do I save money for college? How should I pay for college once they enroll in their dream school?In this episode I cover the framework you should consider using to make smart choices about college. Then we dive into tax smart college savings strategies and the nuts and bolts of paying for college. Plus, in 2025, there are a lot of changes for education funding, 529s, and student loans in the One Big Beautiful Bill. So it’s a great time to make an education plan or reevaluate your existing financial plan for education. Have questions or want to connect to discuss? https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

It’s all about the One Big Beautiful Bill on this episode of the Capital Stewards Podcast. Some would say it’s the hugest, most beautiful bill ever. Well, we will talk about that. Will it be good for the economy? What about the deficit? Is it $4 Trillion in deficit spending or something less? In the second half of the episode, I’ll cover what the Big Beautiful Bill means for your taxes and what tax planning steps you should be thinking about before we head into 2026.© 2025 Capital Stewards, LLC. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Welcome to our mid-year outlook on the economy and investment markets. We will talk about tariffs, the conflict in the middle east, whether or not we see a recession brewing, the “big beautiful tax bill” and of course the outlook for stocks, bonds, gold, real estate and other investment assets.01:38 - What's Happened So Far This Year04:37 - U.S. Economic Outlook11:47 - Tariff War Outcomes17:21 - Iran - Israel Conflict19:09 - One Big Beautiful Bill's Economic Impact27:00 - Stock Market Outlook31:00 - Interest Rates and Bond Outlook36:00 - Gold Outlook37:20 - Housing Market and ConclusionsConnect with Capital Stewards: https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Trump’s trade policy has been sort of like a summer road trip. We started off at home in April, ventured to an unknown and uncertain land, and now we have returned home, at least mostly. I wanted to share a few thoughts on the economy and markets since our last update happened right on the heels of “liberation day” and we have now journeyed quite a ways in a short period of time. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Market volatility and drops make us want to close our eyes and stop watching our portfolios. Challenging markets are not the time to run away and hide. It’s time to go on offense to save future taxes, transfer assets and get ready to take advantage of the next market cycle. In this episode I’m going to cover 5 things you should be thinking about now so that you can be prepared to take advantage of market declines as we go through the rest of 2025. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Investors have lots of questions on their minds. Most importantly, everyone wants to know what the impact of Trump’s proposed Tariffs are to the economy and to investment portfolios. In this episode, we will talk about what I see as the two potential paths forward for the economy and markets based on what we know about tariffs to-date and what those paths mean for your investments. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

ROTH Conversion are a common question we address with clients. Here is my guide to ROTH conversions. I discuss: - Why you should consider a ROTH Conversion? - Potential Tax Savings - Why someone should NOT do a ROTH Conversion - ROTH Conversion Drawback and Limitations Questions? Start A Conversation with Capital Stewards: https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

You are likely to experience significant investment losses. If you are under 40, you will probably experience that kind of significant loss more than once. If you are older, you have likely already experienced it. There are a multitude of risks today. Inflation, geopolitics, technology disruption, high valuations, population and immigration changes and the list goes on. So how do we think about risk as investors? In this episode I wanted to talk about real risk – what that is, how we measure it and most importantly what we do about it with clients. Start A Conversation with Capital Stewards: https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

The Super Bowl is over which means its tax time on the Capital Stewards Podcast. How can you reduce your 2024 taxes? How can you reduce your taxes long-term? Do you pay your fair share of taxes? All of this and more in this annual tax guide episode. (0:00) Intro and Super Bowl Ad Discussion(2:40) “Turning the Dial” on smaller opportunities to reduce your 2024 taxes(10:00) “Moving the Needle” on larger, long-term tax planning strategies(17:00) And lastly, because the Trump tax cuts expire at year end, my view on tax policy and potential changes, including your “fair share” of the tax burden!Links to Superbowl Ads from Intro:Three Bears: https://www.youtube.com/watch?v=LS_0ojDfysABudweiser First Delivery: https://www.youtube.com/watch?v=K0iKgJXy_gkBud Light Cul-Da-Sac Party: https://www.youtube.com/watch?v=x7qbswwBCDoHellimans Mayo "The Spot": https://www.youtube.com/watch?v=RIXB-7RHjBYStart A Conversation With Us: https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

One week into the new administration and we have already seen a flurry of executive orders and other actions that will impact your taxes, the economy and your investments. Think of this episode as a primer for Trump 2.0 and your money. We’ll talk about the recent executive orders, tariffs and taxes.Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Is inflation on the rise again? According to the Federal Reserve it may be. Will we have a recession in 2025….or ever? Are stocks overvalued after 2 years of strong returns? Will the largest technology stocks just keep rolling or is it time for other areas of the market to play a bigger role? What about bonds? Why bother with bonds if they have such low returns? These are just a few of the questions investors are asking as we head into 2025. In Capital Stewards's Economic and Investment Outlook for 2025, I share my views in detail and back it all up with lots of charts and illustrations.Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

This time of year is "outlook season" for Wall Street. Investors and analysts are publishing their S&P 500 and economic outlooks for next year. But were they right about this year? Are market forecasts useful for investors?Well, I kept the receipts! In this episode I look back at a few from last year (including my own) and see how they turned out. Understanding how difficult it is to predict the market has significant implications for how investors should build portfolios. I also discuss how to invest if you can't be right about the future all the time. Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

This episode covers common myths and misconceptions about alternatives. What are alternative investments? Are private – or alternative – assets just for the ultra-wealthy? What is (or is not) the secret sauce of private managers that drives the high returns you see in the media? How should you think about private assets in your portfolio? 1:54 - Myth 1 - Private Assets are only for the very wealthy and not for me. 2:32 - Myth 2 - New fund structure innovations mean that I don’t really have to give up access to my cash for 8-10 years. 4:25 - Myth 3 - Private managers have a secret and that allows them to drive special, secret returns that everyone must access! 7:32 - Myth 4 - Private Equity Funds borrow and lay-off lots of workers. They are just corporate raiders. 9:35 - Myth 5 - Private Debt has grown too fast and is the next Financial Crisis waiting to happen. 13:34 - Myth 6 - Some real estate developers and owners are struggling, now is a great time to try to get a deal by investing in a privately held REIT or fund. 15:59 - Myth 7 - All alternatives are designed to provide higher returns than public securities. 17:22 - Myth 8 - Alternatives are all the rage, so the fund I’m being sold should work out ok. 18:38 - Myth 9 - All private fund managers are created the same. Start A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversation Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Year-end is upon us. The time to plan reduce your 2024 taxes and get your financial house in order is now, not after we turn the calendar page to 2025 and you can no longer act! Here is our year-end financial planning tips checklist with items that you should consider before the end of the year. 1:40 - Election Recap and Implications for Investors3:19 - Retirement Account Planning and Contributions for IRAs and 401ks5:12 - How to Reduce Taxes on Required Minimum Distributions (RMDs) 5:46 - ROTH Conversions6:57 - Flex Spending Accounts (FSAs)8:04 - Health Savings Accounts (HSAs)9:41 - Mutual Fund Distributions / "Phantom" Distributions11:28 - Tax Loss Harvesting12:28 - Income Planning 14:19 - Charitable Giving StrategiesStart A Conversion with Capital Stewards: https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Will the market keep charging forward or are we on the brink of a recession? Soft landings are just that, slower, softer economic activity. They don’t feel great. What about the Mag 7 technology stocks, will they continue to lead the way forward? Will a Trump victory ignite more inflation and cause interest rates to rise? I cover all of this and more in our Outlook for the 4th Quarter. Topics:0:00 - Intro2:11 - What’s Happened in Markets So Far This Year?5:45 - Jobs Market13:49 - Inflation16:10 - What’s Happening in Real Life with Companies18:44 - Stock Market Outlook - Mag 7 vs. the 49322:15 - International Stocks and China24:38 - Oil and Commodities28:00 - Long-Term Interest Rates and Bonds35:18 - Gold36:55 - Election Impact39:43 - Takeaways for InvestorsWatch the Video w/ Charts -> https://www.thecapitalstewards.com/learn/year-end-2024-outlook-soft-landings-are-murkyQuestions? Start a Conversation with Us -> https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

IRAs, 401ks, the TSP, ROTHs. It’s a soup of acronyms. What's the right prioritization of accounts for saving? Which account should you spend from first in Retirement? In this episode I’m diving into the main retirement account types and how to use them. I'll cover:1) Accumulating wealth…when you’re saving for retirement and 2) Decumulating wealth...or spending your assets in retirement. We will talk about contributions, backdoor contributions, income limitations and common misconceptions. So if you have questions about which retirement accounts to use – you’re not alone – and this is the episode for you. Bucket Chart Referenced In EpisodeQuestion? Start A Conversation with Capital StewardsAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Want to go deeper than cable news on the proposed economic policies of both presidential campaigns? I evaluate policy proposals with history and data as the guide to discover which proposals may really create growth and reduce inflation in the economy. Neither Vice-President Harris nor Former President Trump lay out all good or all bad proposals. Whether you consider yourself a republican, democrat or independent, you might be surprised at the proposals from your party. Lastly, I will discuss what the proposals mean for investors.0:00 - Intro2:47 - What Caused Inflation / How Policy May Impact Inflation Going Forward13:00 - Tax Plans / Tax Burden / "Fair Shares" / Corporate Taxes30:10 - U.S. Government Spending & Revenue / Tax on Tips36:20 - Tariffs42:55 - Raising the Minimum Wage46:20 - Home Prices / Incentives to Build / Handouts to Buyers49:05 - Price "Gouging"51:01 - Infrastructure52:01 - Energy53:23 - Where the Race Stands / Conclusionshttps://www.thecapitalstewards.com/Start a Conversation: https://www.thecapitalstewards.com/startconversationAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Is college worth the high cost? If my kids are going to college, how should I save and pay for college? In thie episode we dive into college planning. I cover: 2:15 - A framework to make college pay-off 9:20 - Saving for college, 529s, ROTH IRAs.17:10 - Paying for college, strategies for asset ownership and the FAFSAhttps://www.thecapitalstewards.com/startconversationResources:https://ronlieber.com/books/the-price-you-pay-for-college/https://collegereadyplan.com/

I named the firm “The Capital Stewards” for a reason. I’ve discussed stewardship in other articles and podcast episodes, but this is a concept that we all wrestle with so I wanted to lay out a framework that I hope will be helpful as you think about stewarding the resources that you have been entrusted with. Whether you believe the Bible or not, I think this episode will be helpful in understanding how to think wisely about your money. We discuss: 1) A Biblical Framework for Money2) Generosity & Tithing3) Investing Wisely 4) The Importance of "Doing the Hard Work"Learn More or Connect: https://www.thecapitalstewards.com© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

In this episode, we discuss Annuities. Are they useful financial tools or are they terrible products? Annuities are like any other financial product, they are useful in some situations and useless in others. The real issue with annuities, like other kinds of insurance, is that they are often sold and promoted by salespeople masquerading as “financial advisors.” So in this episode we are going to shine the light on annuities. We discuss:1:16 - Finding quality, unconflicted advice about annuities and retirement income2:38 - Types of Anuities4:29 - Situations when Annuities Might Be Useful10:29 - Fixed Index Annuities (FIAs), Variable Annuities and Situations When Annuities Don't Make Sense Learn More About Us or Reach Out: https://www.thecapitalstewards.com/Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Inflation is falling, unemployment is rising and after a strong start to the year,economic data has turned noticeably weaker. Is a recession on the horizon? Inour outlook we will talk about inflation, the jobs market and the economy. Moreimportantly, we dive into what the current economic outlook means for investorsin stocks, bonds, real estate and other asset classes. So, if you are wonderingif a recession is coming, and how to invest now, this is the episode for you. Learn More About Us: https://www.thecapitalstewards.com/(0:00) Intro: Is a recession on the horizon?(0:43) Long-term returns(3:05) What’s happened in markets so far this year?(3:55) Economic growth slowing, but not in recession(4:10) Big misconception – inflation is causing slow down(5:35) Magnificent 7 Stocks(6:24) Economy slowing down(6:55) Jobs market outlook(8:55) Is inflation going down?(12:35) Why is some inflation good?(13:40) U.S. Stock Market Outlook(17:30) Global Stock Market Outlook(21:19) Interest Rate and Bond Market Outlook(23:13) Real Estate Outlook(26:18) How to Invest NowAny commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

As we move into political silly season, Social Security will become even more of a political hot-potato. Social Security garners lots of hot takes, not all of which are correct. In this episode, my goal is to lay out:How social security worksWhere the program is likely headed and What that means for participants both now and in the futureLastly, we will talk about how you should plan for social security, regardless of your income level. Sources: https://www.ssa.gov/oact/trsum/https://www.cbo.gov/publication/59184Learn More About Us: https://www.thecapitalstewards.com/Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Retirement Planning 201. We dive deep into strategies for those considering retirement in the next 5 years. This is 201 because we go much deeper into taxes, healthcare, social security and investing than the typical retirement planning article. We discuss:0:00 Your Most Valuable Resource (Time) + Working in Retirement5:14 How long will you live? + How much will you spend? 8:10 When to Take Social Security11:40 IRAs vs. 401ks vs. ROTH + Reducing Taxes In Retirement15:00 Early Retirement Healthcare + Original Medicare vs. Medicare Advantage18:40 Investing for Retirementhttps://www.thecapitalstewards.com/st...Data Sources:Workforce Participation: Bureau of Labor and Statistics, Employee Benefit Research Institute, Greenwald ResearchRetirement Spending: J.P. Morgan Chase, “Three Retirement Spending Surprises”Life Expectancy: American Academy of Actuaries and Society of Actuaries, Actuaries Longevity Illustrator, http://www.longevityillustrator.org/, (accessed August 2022). Social Security: Social Security Administration, Capital Stewards Analysis, Table shows figures assuming maximum benefit from social security, based on 2024 payout data and not adjusted for inflation. © 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Sit on an Investment Committee or Nonprofit Board? Stewarding the generous gifts of your congregation and community is a high calling but often leaders get stuck facilitating their investment committee. Investing with an organization is very different, and often more challenging, than personal investing. In this episode we discuss overcoming 5 challenges we see with organizational investors. 3:04 - Slow and Ineffective Investment Committees9:20 - Lack of Focus on Asset Allocation10:52 - Under-Developed Investment Policy 13:20 - High Fees and Lack of Transparency15:00 - No Performance TrackingMore on Investing for Churches, Non-Profits and Endowments: https://www.thecapitalstewards.com/churches-non-profit-financial-advisorStart A Conversation With Us: https://www.thecapitalstewards.com/startconversation© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Everytime you turn on the news there is another story about the southern border or immigration. The U.S. economy continues to create more jobs than expected, largely due to "foreign born workers"The Bible teaches that we should love foreigners and refugees. But much has been written about migrant workers stealing jobs from Americans and driving down wages. So how do we reconcile all of that? In this episode of the podcast, we examine the data for immigration and employment in America. 0:00 Intro2:14 Legal vs. Illegal Immigration3:28 Immigration Facts3:58 Impact on Economic Growth8:19 Are Immigrants "Stealing Jobs?"11:22 Immigration Reduces Wages13:25 Immigration Reducing Inflation16:01 ConclusionStart A Conversation With Us: https://www.thecapitalstewards.com/startconversation© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, viewers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Feeling down about the economy and markets? Paying high prices at the store while watching the S&P 500 hit all-time highs? Often, how we feel about the market and our investments doesn't jive with what's really happening. In our Q2 outlook, we look at the data to get a better picture of what's really happening in the economy and financial markets. 0:00 - Inflation Feels Different Than Reality3:03 - What's Happened So Far This Year?4:06 - Why Long-Term Perspective is So Important6:00 - Job Market8:36 - Layoffs11:04 - Inflation12:28 - How Are Companies Doing?17:19 - Stock Prices and Valuation20:46 - International Markets24:13 - Bonds and Interest Rates27:00 - Where Will Long-Term Interest Rates Land?30:40 - Gold31:54 - Conclusions & What Investors Should ConsiderStart A Conversation With Us: https://www.thecapitalstewards.com/startconversation© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, viewers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Wondering whether Bitcoin should be a part of your investment portfolio? In this episode we share our perspective on how to consider a crypto investment. What about the new Bitcoin ETFs, should those be a part of your investment portfolio? We discuss:(0:00) Intro & Thesis on Bitcoin(2:53) Blockchain & Distributed Ledger Technology vs. Cryptocurrencies(6:35) Is Bitcoin a Currency?(8:58) Is Bitcoin a good Inflation Hedge?(11:37) Bitcoin as a Safety-Net(12:53) Cryptocurrency Volatility(13:52) New Bitcoin ETFs(15:55) Should Bitcoing Be Part of an Investment Portfolio? Blog Post:https://www.thecapitalstewards.com/learn/investing-in-bitcoinWant to Start a Conversation About Your Investments? -> https://www.thecapitalstewards.com/startconversation© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

The superbowl is over. Taylor Swift clearly won. Its baseball season and all of that means it's time for taxes in 2024. In this episode, we cover things you can do to reduce your tax bill for 2023 and we also discuss strategies you can use for long-term tax planning. More than 90% of filers are using the standard deduction each year. That means tax reduction isn't about a "hunt for deductions" each year, its about long-term strategies that lower your tax bill over time. Listen to the episode for more insight on all things taxes for 2024!Want to Start a Conversation About Your Long-Term Tax Plan -> https://www.thecapitalstewards.com/startconversationLink to the "Dunkings" Commercial Video ->https://www.youtube.com/watch?v=Ve2miT5iF2M© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

It's hard not to notice, but we are in an election year. Did you know that the stock market does better when Democrats hold the oval office? Well... sorta...not really. There is lot's of discussion about the impact of the election on the stock market, interest rates and the economy. In this episode we will break it down and discuss the real impact elections have (or don't have) on markets. We cover:What impact might the election have on stock market returns in 2024?Does it matter if a Democrat or Republican wins the election?Does the stock market actually perform better during Democrat or Republican administrations?What economic policy ideas should we watch for when we evaluate candidates. Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Happy New Year! It's resolution time, but instead of focusing on 5 "check boxes" for a financially successful 2024, what if we took a step back to make a giant leap forward? In this short episode, I dive into a better approach for financial resolutions: aligning your life with your resources. Here are four questions to ask yourself as you kick off 2024:Why am I here? How am I uniquely gifted? How am I creating opportunities for my family to thrive and grow?What am I passionate about changing in my community? What areas of my life are well-resourced? What areas need more resources, either time, attention,or money?Have investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation© 2024 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Will we have a recession in 2024? How will inflation and interest rates impact my job, my investments and the economy? Where should I consider investing in 2024? We dive into those questions and more in our latest outlook. Topics:(0:00) - Intro(1:13) - Post-Covid Economic History 101(4:29) - Normal vs. The Sugar High (6:08) - Where are We Really on The Investment Journey?(8:21) - Recession Debate and GDP Components(8:55) - Job Market & Strong Consumer(14:52) - Consumer Debt Increasing(16:17) - Consumer Spending Over the Holidays(18:40) - Business Investment & Activity(22:18) - Governement Spending & Deficits(24:12) - Inflation(25:41) - Investment Outlook (26:24) - Stock Market & Magnificent Seven (32:31) - Bond Market(35:17) - International Markets(39:16) - Real Estate & Housing(41:39) - Actions to Consider & ConclusionHave investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

TAX TIME IS NOW! Not in March of next year. Now is the time to start thinking about strategies to manage your 2023 taxes and it’s also a great time to find professional support to help prepare your tax returns. In this episode we discuss year end planning, including: Tax Loss Selling in Bond PortfoliosRetirement Account Contributions, Distributions and Charitable ContributionsROTH ConversionsManaging Stock OptionsYear Trust and Estate PlanningYear End 2023 Planning Tips Article: https://www.thecapitalstewards.com/learn/tips-for-2023-year-end-tax-planningHave investment or financial planning questions? Start a conversation with our team: https://www.thecapitalstewards.com/startconversation© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

The interest rate on the 10-year U.S. Treasury has risen from less than 1% in 2020 to almost 5% today. Everyone is talking about mortgage rates, but the implications of higher rates are broader than simply higher mortgage payments. In this episode, we discuss the changes we believe investors should consider for their portfolios and financial plans in this new interest rate environment. We discuss: Re-thinking your investment allocation, i.e., the mix of stocks, bonds and other assets New wealth transfer opportunities created by higher interest ratesRead Our Article on Rising Interest Rates: https://www.thecapitalstewards.com/learn/how-5-interest-rates-may-impact-your-investments-and-financial-planHave investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

In part two of our series on real estate investing we discuss our outlook for the real estate market. We cover both the residential and commerical real estate markets from the perspective of a long-term, generational investor. We discuss:The different types of real estate investors should consider owningOur outlook for residential real estateThe profitability of current and new short-term rentals (Airbnb and VRBO) with real-time dataOur outlook for commercial real estateThe impact of higher rates on propertiesLearn More: https://www.thecapitalstewards.comHave investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

One of the most anticipated recessions in U.S. history has not occured yet in 2023. Is this time different? We discuss why markets have been strong so far, and why they may slow down going forward. As always, we discuss what actions investors should consider based on what's happening in the economy and markets. We discuss:0:00 Overview + Long-Term Perspective6:18 Labor Market8:20 Inflation13:35 Manufacturing Decline  Ser14:24 Consumer Headwinds17:30 Debt & Deficits23:20 Are We In A Recession?24:35 Interest Rates27:08 Stock Market Outlook 28:45 Bond Market Outlook30:31 International Markets (+ China)33:01 What Should We Do Next? Learn More: https://www.thecapitalstewards.comHave investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

We get tons of questions about real estate. Should I invest in real estate? How should I invest in real estate; through funds or direct property owenship? How much should I own and how do I think about real estate in the context of my total invstment portfolio. In this episode we discuss long-term real estate investing. In our next episode we will provide an outlook for real estate given today's environment. In this episode, we cover: The case for including real estate in your investment portfolioUnique tax advantages of real estateHow much real estate you should ownSix steps to get started investing in real estateREITS vs. Private Real Estate Funds vs. Direct Property OwnershipHow to scale your holdings to build a multi-generational real estate portfolioTransferring real estate to the next generation Learn More: https://www.thecapitalstewards.comHave investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

In the third part of our series on Multi-Generational Wealth, we dive into transferring wealth to the next generation. But this is much more than boring, complex meetings with an attorney and dividing up your assets. Wealth transfer planning is a journey that occurs over many years. Effective wealth transfer should result in leaving a financial springboard for your family. That should be exciting to work on! In this episode we cover:Training Your family529 Plans: Good for Training; Great for Wealth TransferReducing Taxes Through Estate PlanningCharitable Foundations for Everyone / Donor Advised FundsHow Multi-Generational Investing Differs from Retirement InvestingLearn More: https://www.thecapitalstewards.comHave investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Episode 2 in our 3 part series on generational wealth. We discuss one of the top concerns for families: how to not spoil your children and grandchildren. These concepts apply to everyone with kids!Stewarding wealth, like anything else, requires training over time, not just a one-time meeting or estate planning document. In this episode we discuss how to build the next generation of great wealth stewards using 5 key principles:Engaging the next generation in decision making while they are kids!Getting involved in philanthropy togetherInvolving your children in investment, tax and wealth planning discussions in their 30s (or sooner!)Demonstrating how your values impact business and family decision makingDiversification is critical as you pass wealth from generation to generationLearn More: https://www.thecapitalstewards.comHave investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

Thinking about building generational wealth for your family? Wondering where to start...or if it's even possible? In this series of episodes we share our perspective about income, assets and wealth. You don't have to be a Rockefeller or a Youtube star to think about building a financial foundation for your family. Multigenerational wealth also doesn't mean that your kids don't need to work and you can sit around all day. Real people can build generational wealth that provides flexibility for their family and empowers generosity. In this episode we talk about:Myths and Real-Life Assets > IncomeDebt as a ToolHow to save and invest across generations (think diversification)Learn More: https://www.thecapitalstewards.comHave investment or financial planning questions? Schedule time with a member of our team: https://www.thecapitalstewards.com/contact© 2023 Capital Stewards, LLC. All rights reserved. Capital Stewards, LLC is a registered investment advisor. Capital Stewards is a Huntsville Financial Advisor. Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned  is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.