- Charitable GivingHigher Income Tax Deductions as a % of AGI A DAF lets you take a current-year income tax deduction for your charitable contributions, then make grants over a period of years. A donor is able to deduct up to 60% of adjusted gross income (AGI) for all-cash donations and up to 30% for appreciated assets. Contributions that mix cash and securities are capped at 50%.
- Roth IRA
- Tax DeductionsLower Income Tax Deductions as a % of AGI Like a DAF, a private foundation lets you take a current-year income tax deduction for your charitable contributions for grants that are made in the future. A donor can deduct up to 30% of adjusted gross income (AGI) for cash donations and up to 20% for appreciated assets. Note: there is five-year carry forward for donations that exceed these limits. Also, in any single year, a donor can max out the deduction to the foundation and make additional contributions to one or more public charities, including a donor-advised fund, to capture the higher limits.
- Income TaxSection 1031 of the Internal Revenue Code allows an investor to exchange property that was held for rental or investment purposes for other “like-kind” property that will also be held for rental or investment purposes. This enables the investor to defer payment of ordinary income, capital gain, depreciation recapture and/or Medicare surcharge income tax liabilities.
- Capital Gains TaxesTax Exemption/Exclusion – Investors pay no capital gains tax on new gains generated by a Qualified Opportunity Fund if held for more than 10 years.
- Investment ManagementAny index results posted on this Website and/or this Website’s blog are for informational and/or comparison purposes only. You cannot invest directly in an index. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.
- Mutual FundsLiquid alternative investments. The recent proliferation of Exchange Traded Products, primarily using Exchange Traded Funds (ETFs) and Exchange Traded Notes (ETNs), has allowed us to build portfolios using liquid alternative investments. Asset styles and strategies that are not presently available in Exchange Traded Funds/Notes are implemented using Mutual Funds and/or Closed End Funds.
- Bonds
- Wealth ManagementEndowment Wealth Management, Inc.’s (“EWM”) website, www.EndowmentWM.com or any other websites (including profiles on social media sites (including, but not limited to LinkedIn, Facebook and Twitter) created by EWM (the “Website” or collectively “Websites”) is for informational and educational purposes only intended exclusively for individuals and entities interested in learning more about EWM and our investment strategies. The content herein on this Website (or any social media site) should not be construed as advice.
- Accounting Services
- Financial PlanningTerms of our Advisory Services are governed by Contractual Agreements. The provision of advisory services to our clients is governed by our various Client Agreements, which vary based upon the services for which you intend to receive from EWM. You should read any applicable Client Agreements carefully before determining whether to engage EWM to provide you with discretionary or non-discretionary advisory, financial planning, or other financial services. Notwithstanding the foregoing or anything else in these Terms and Conditions to the contrary, in the event of any conflict between the Terms and Conditions and a Client Agreement, the Client Agreement shall control.
- Retirement PlanningParticipants in the non-union Yellow pension plans should keep a close eye on what the PBGC decides to do in the coming days to understand what will happen to your benefits.
- Asset Management® builds portfolios using an asset allocation methodology pursued by major universities like Yale and Harvard because it offers the potential for superior risk-adjusted returns and lower volatility through all market cycles.
- College FundingStrategic asset allocation calls for setting target allocations and then periodically rebalancing the portfolio back to those targets as investment returns skew the original allocation percentages. The concept is akin to a “buy and hold” strategy, rather than an active trading approach. Of course, the strategic asset allocation targets may change over time as the client’s goals and needs change and as the time horizon for major events such as retirement and college funding grow shorter.