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How to Use a Donor-Advised Fund with a Financial Advisor

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How to Use a Donor-Advised Fund with a Financial Advisor Reading Time: 2 minutes On today’s Intelligent Money Minute, we’ll interview John Putnam on how to use a donor-advised fund (DAF) with a financial advisor. John gives us three insightful reasons to seek your financial advisor concerning your DAF. First, your financial advisor can help you explore the DAF space. It is helpful to ask your financial advisor if the DAF fits with your overall plan. Second, you may want to ask your financial advisor about investment options concerning your DAF. John notes that, as always, investment is a risk. However, there is a potential to grow your investment overtime. Third, discussing your DAF with your financial advisor could help with record-keeping from a tax standpoint. Annually, tax receipts from multiple charities could be simplified into one receipt from a DAF sponsor. Noted is the possibility of a donor approaching their DAF aggressively, desiring a moderate approach to their outside assets. At Intelligent Investing, we can help you create a donor advised fund and even manage the assets within the donor advised fund differently than your retirement funds…perhaps dialing up the donor advised fund’s risk up or down. If you are interested in having a 15 minute complimentary call to discuss this or retirement planning, click here.

More From John

We’ll be interviewing John Putnam on future podcasts on creative ways to give charitably, how to use a donor-advised fund, and charitable giving with Young Children, so be sure to subscribe.

John Putnam Bio

John is an author, speaker, Kingdom entrepreneur and non-profit leader of NCF Carolinas. He grew up on a cattle farm in Cherryville, NC (that’s ‘Churvul’ for you locals ☺), and attended college at N.C. State. Above all, John is married to his wife Anne and the father of three children.  John led a thriving financial services practice for over 20 years. Following his passion for stewardship, he launched a Charlotte, NC affiliate of National Christian Foundation. On January 1, 2018, the office merged with NCF Raleigh to become NCF Carolinas. To His glory alone, God has used the NCF Carolinas team to help mobilize hundreds of millions of dollars for Kingdom impact. John’s professional background is as a former Certified Financial Planner, a trained Life Planner through The Paterson Center and a graduate of Charlotte Leadership Forum. He has worked alongside the Halftime organization, a two-time graduate of The Masters Program and a past Strategic Coach participant. He enjoys sharing through media, workshops and his website at JohnPutnam.com. 

What the SECURE Act Means to Me- March 6, 2020

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Topic

The Setting Every Community Up for Retirement Enhancement Act of 2019, better known as the SECURE Act, which originally passed the House in July, was approved by the Senate on Dec.19, 2019, as part of an end-of-year appropriations act and accompanying tax measure, and signed into law on Dec. 20 by President Donald Trump. The far-reaching bill includes significant provisions aimed at increasing access to tax-advantaged accounts. Join us as Hans Blake, CFA, CPA will discuss how the SECURE Act impacts retirees, beneficiaries, parents, and employees, and where there may be opportunities. Be sure to RSVP below to reserve your spot.

Hans Blake

Hans Blake, CFA, CPA Bio

Hans has worked with high-net-worth individuals and institutions around the world. He is a Chartered Financial Analyst® (CFA) and Certified Public Accountant (CPA) who managed over $350M before founding Intelligent Investing. Hans has spent his entire career helping people minimize financial stress to maximize their lives.

The Chartered Financial Analyst® charter is considered by many to be the gold standard among financial professionals. Less than 20% of those who start the process ever become CFA® charterholders. Hans writes financial articles and gives public Intelligent Talks. He has been interviewed by The Greenville News, The Greenville Business Journal, NPR, and has appeared on WYFF News 4 to talk about the markets and portfolio management. 

First Friday Networking at Noon (RSVP)

If you'd like to join our next First Friday Networking at Noon event, please RSVP below. We look forward to networking with you soon.

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Why Widows Are Hot

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Why Widows Are Hot

Reading Time: 2 minutes

On today’s Intelligent Money Minute, we’ll interview Kathleen Rehl on why widows are hot. During this episode, Kathleen explains why widows are hot and how the future is female. First, she states several statistics concerning the high percentage of widowed/singled women at death. Compared to men, significantly more women are widowed or single when they die. Kathleen also mentions that most of the world’s wealth is being controlled by women today. This is due to many women being beneficiaries of an inheritance. Lastly, Kathleen remarks on the number of women today in higher education. Investors, and professionals alike, should plan on working with women due to the rise in widowhood.

At Intelligent Investing, we understand there is a current shift and the statistics are clear that there will be a rise in widows and widowhood. Here is a link to the book Kathleen mentioned- The Longevity Economy on our blog page. We also have a page dedicated to widows at investedwithyou.com, where you can find information and content geared towards widows and women.

On upcoming podcasts, Kathleen will talk about the three stages of widowhood- Grief, Growth, and Grace, so be sure to subscribe by clicking here.

Kathleen Rehl Bio

Kathleen M. Rehl, Ph.D., CFP®, CeFT® wrote the multi-award-winning book, Moving Forward on Your Own: A Financial Guidebook for Widows. Experiencing widowhood herself, Dr. Rehl empowers widows financially™ and inspires their advisors. Her work has been featured in the New York Times, Wall Street Journal, AARP Bulletin, CNBC, USA Today, U.S. News & World Report, Journal of Financial Service Professionals, Journal of Financial Planning, and other publications. Rehl owned a financial planning firm for 17 years before retiring to her “encore” career. She walks an hour daily, practices yoga, enjoys art and music festivals, writes poetry and makes art, loves her grandsons . . . and continues to evolve on her journey.

 

How Diversification is Like Taking a U.S. Road Trip

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How Diversification is Like Taking a U.S. Road Trip Reading Time: 2 minutes On today’s Intelligent Money Minute, we’ll interview Larry Swedroe on how diversification is like a U.S. road trip. Larry begins by stating that in a world of uncertainty, diversification is the only prudent strategy. No one can know the future; therefore, it is wise to diversify across various sources of risks and returns. Larry continues by making the comparison of diversification to a U.S. road trip from New York to San Francisco. Imagine that in each leg of your trip you only travel half of the remaining distance. You are getting closer to, but not completely arriving at your destination. Each leg adds less distance. Diversification works in the same way. The most important diversification is the addition of the right amount of fixed income to dampen the risk of the overall portfolio. This gets you halfway across the country. From here, each “leg” adds less value, but you’ve already gone almost the whole distance. Larry notes that typically 8-10 mutual funds are, at most, all you will need. At Intelligent Investing, we strongly believe in diversification. We believe that it may not be best to own one thing to make a killing in it. However, by doing so, this may prevent you from not owning enough of any one thing to be able to get killed by it. We’ll be interviewing Larry on several podcasts regarding markets, passive investing, and diversification, so be sure to subscribe to our Intelligent Money Minute podcasts. Larry was among the first authors to publish a book that explained the science of investing in layman’s terms, “The Only Guide to a Winning Investment Strategy You’ll Ever Need.” He has since authored seven more books.

Larry Swedroe Bio

Since joining the Buckingham Strategic Wealth in 1996, Chief Research Officer Larry Swedroe has spent his time and energy educating investors on the benefits of evidence-based investing. In his role as chief research officer and as a member of the firm’s Investment Policy Committee and Board of Directors, Larry regularly reviews the findings published in dozens of peer-reviewed financial journals, evaluates the outcomes and uses the result to inform the firm’s formal investment strategy recommendations. Larry’s dedication to helping others has made him a sought-after national speaker. He has made appearances on national television shows airing on NBC, CNBC, CNN and Bloomberg Personal Finance. Larry is a prolific writer, contributing regularly to multiple outlets, including Advisor Perspectives and ETF.com. Before joining Buckingham, Larry was vice chairman of Prudential Home Mortgage and senior vice president at Citicorp. Larry holds an MBA in finance and investment from NYU, and a bachelor’s degree in finance from Baruch College.

February 7, 2020- FFN@N (2020 Market Outlook)

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2019 markets were generally good for most investors. The upcoming presidential election, the new trade deal with China, and Brexit may increase volatility in 2020.  On February 7th at our First Friday Networking at Noon event, we reviewed 2019 markets and providing a 2020 market outlook. Hans Blake, CFA, CPA provided some key insights and outlooks regarding the macroeconomic environment around the world and where there may be opportunities. 

Hans Blake

Hans Blake, CFA, CPA Bio

Hans has worked with high-net-worth individuals and institutions around the world. He is a Chartered Financial Analyst® (CFA) and Certified Public Accountant (CPA) who managed over $350M before founding Intelligent Investing. Hans has spent his entire career helping people minimize financial stress to maximize their lives.

The Chartered Financial Analyst® charter is considered by many to be the gold standard among financial professionals. Less than 20% of those who start the process ever become CFA® charterholders. Hans writes financial articles and gives public Intelligent Talks. He has been interviewed by The Greenville News, The Greenville Business Journal, NPR, and has appeared on WYFF News 4 to talk about the markets and portfolio management. 

Three Key Elements To Being An Index Investor

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Rick Ferri The Journey of an Index Investor Reading Time: 2 minutes On today’s Intelligent Money Minute, we’ll interview Rick Ferri on three key elements to be an index investor. During this episode, Rick continues his summary of his e-book, “The Education of an Index Investor.” He lists out three keys to becoming an index investor and explains how they fit together seamlessly.  Similarly, at Intelligent Investing we strongly believe in behavioral coaching our clients. All successful long-term investing is goal-oriented and therefore planning-driven. Learn more here. Check out our previous podcasts with Rick on The Journey of an Index Investor and Financial Heroes.  Rick Ferri is a fellow CFA Charterholder, Marine veteran, author, and owner of Ferri Investment Solutions. He continues to write books and articles, provide educational webinars, and teach financial lectures.

Rick Ferri Bio

Rick Ferri earned a B.S. in Business Administration and an M.S. in Finance. He also holds a Chartered Financial Analyst (CFA) charter through the CFA Institute. After college, Rick served as a U.S. Marine Corps officer and fighter pilot for 20 years of active duty and reserve service. Rick’s investment career spans three decades and offers a history of empowering people to achieve their goals. He landed in the brokerage industry in 1989 where he learned the wrong way to invest. As a result of 10 frustrating years, Rick founded one of the country’s first low-fee investment advisory firms. Rick’s firm grew to a sizable business over the next two decades due to the explosion of interest in low-fee investing. This growth provided good-paying jobs to dozens of people and allowed Rick to take on business partners with whom he generously shared his equity.    Ferri Investment Solutions is Rick’s new firm. This modern concept provides even greater value to investors by “unbundling” adviser services whereby clients pay only for the time it takes to assist them. In addition, Rick’s industry consulting firm helps other advisers build their investment practices, and he has launched Core-4 Portfolios to provide simple model portfolios for use by a wide variety of investors. 

What is a Donor-Advised Fund?

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What is a Donor-Advised Fund? Reading Time: 2 minutes On today’s Intelligent Money Minute, we’ll interview John Putnam on what is a donor-advised fund. John begins by giving us a simple definition. A donor-advised fund is a low-cost flexible account for charitable giving. Due to some of the similarities, you can think of a donor-advised fund as a “charitable checking account.” Rather than giving directly or creating a private foundation, a donor can choose to open a donor-advised fund instead. The 501(c)(3) public charity is the holder of the account instead of a bank. Unlike a checking account, however, the donor makes “irrevocable gifts” than cannot be retracted. John recommends a donor-advised fund for a donor giving to a greater number of charities. A note-worthy advantage of a donor-advised fund is the ability of the donor to remain anonymous. A donor-advised fund is a wonderful opportunity for the donor seeking to keep things simple. At Intelligent Investing, we can help you know whether a donor advised fund makes sense, and can help you with creating one. If you are interested in having a 15 minute complimentary call to discuss this or other financial topics, click here.

More From John

We’ll be interviewing John Putnam on future podcasts on creative ways to give charitably, how to use a donor-advised fund, and charitable giving with Young Children, so be sure to subscribe.

John Putnam Bio

John is an author, speaker, Kingdom entrepreneur and non-profit leader of NCF Carolinas. He grew up on a cattle farm in Cherryville, NC (that’s ‘Churvul’ for you locals ☺), and attended college at N.C. State. Above all, John is married to his wife Anne and the father of three children.  John led a thriving financial services practice for over 20 years. Following his passion for stewardship, he launched a Charlotte, NC affiliate of National Christian Foundation. On January 1, 2018, the office merged with NCF Raleigh to become NCF Carolinas. To His glory alone, God has used the NCF Carolinas team to help mobilize hundreds of millions of dollars for Kingdom impact. John’s professional background is as a former Certified Financial Planner, a trained Life Planner through The Paterson Center and a graduate of Charlotte Leadership Forum. He has worked alongside the Halftime organization, a two-time graduate of The Masters Program and a past Strategic Coach participant. He enjoys sharing through media, workshops and his website at JohnPutnam.com. 

How to Help a New Widow

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How to Help a New Widow

Reading Time: 2 minutes

On today’s Intelligent Money Minute, we’ll interview Kathleen Rehl on how to help a new widow, and things not to say. Kathleen initially gives the advice to simply listen to a widow. Such a simple gesture may sound easy, but it is often more difficult than expected. Let her recall memories, remembering her husband, and even letting her cry. This simple act of kindness, listening, goes further than one might imagine. Next, Kathleen gives advice on what not to say to a widow. Phrases such as “I’m so sorry for your loss,” or “at least you still have your children, etc.” are not helpful. Instead, these phrases can be more self-focused than thoughtful. A more insightful phrase may be, “I can’t begin to understand your loss, but I’m going to be here with you.” Lastly, Kathleen mentions how much more beneficial specific questions or gestures may be. Asking “How are you eating/sleeping?” or offering to come over for a visit may be greatly appreciated.

Talking about spouses that have passed away can be difficult, but part of the healing process for a widow. Consider removing cliché phrases such as “At least…., and I’m sorry.” and replacing them with heartfelt questions such as “How are you eating? How are you sleeping.” Let the widow know you are going to be there for them in the days and weeks ahead and consider scheduling a coffee or tea to spend genuine time listening to their grief. For more information on widows, visit our website page for widows by going to investedwithyou.com.

On upcoming podcasts, Kathleen will talk about the three stages of widowhood- Grief, Growth, and Grace, so be sure to subscribe by clicking here.

Kathleen Rehl Bio

Kathleen M. Rehl, Ph.D., CFP®, CeFT® wrote the multi-award-winning book, Moving Forward on Your Own: A Financial Guidebook for Widows. Experiencing widowhood herself, Dr. Rehl empowers widows financially™ and inspires their advisors. Her work has been featured in the New York Times, Wall Street Journal, AARP Bulletin, CNBC, USA Today, U.S. News & World Report, Journal of Financial Service Professionals, Journal of Financial Planning, and other publications. Rehl owned a financial planning firm for 17 years before retiring to her “encore” career. She walks an hour daily, practices yoga, enjoys art and music festivals, writes poetry and makes art, loves her grandsons . . . and continues to evolve on her journey.

 

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