Highlights from the Latest Tax Proposal + Financial Market Update + 9.14.21

Highlights from the Latest Tax Proposal + Financial Market Update + 9.14.21

FINANCIAL MARKET UPDATE 9.14.2021

GUEST AUTHOR: JUSTIN VOSSEN

STORY OF THE WEEK

HIGHLIGHTS FROM THE LATEST TAX PROPOSAL

House Democrats via the Ways and Means Committee spelled out detail on the proposed tax increases on corporations, investors, high-income individuals and business owners on Monday. The proposed draft of a bill is 881 pages long in its current form and would still have to pass both chambers of Congress and be signed by President Biden. It could be passed as is, scrapped completely, or radically modified for passage. Investors should note some important changes being proposed that may apply to them. We will focus on those highlights as the entirety of the bill detail would encompass multiple blog entries.

  • Shifts the current 35% tax bracket to $400,000-$450,000 and moves the 37% bracket to 39.6% for anyone earning more than $450,000 (married filing jointly).
  • The highest long-term capital gains rates will move to 25% and apply to taxable years ending after the introduction of the act. Any gains prior to 9/13/2021 still are applied at the 20% capital gain rate.
  • Surcharge of 3% on adjusted gross income in excess of $5,000,000 jointly
  • Cryptocurrency would be subjected to the wash sale rules.
  • Elimination of all Roth IRA conversions for those making more than $450,000 effective in taxable years after December 31, 2031.
  • Effective 2022, after-tax amounts in retirement accounts will no longer be eligible for conversion to Roth accounts.
  • An individual will not be able to invest IRA funds into a company in which they own greater than a 10% share.
  • IRAs would be prohibited from owning private placements, even if it is a third-party investment.
  • Termination of the increase in the unified credit against estate and gift taxes, reverting the credit to its 2010 level of $5,000,000 per individual, indexed for inflation as of 2022. (This inflation adjustment would make it slightly more than $6,000,000 for 2022, but less than the current $11,700,000 exemption for 2021)
  • For family farms and family business for estate tax purposes, property can be valued on actual use instead of fair-market value subject to a maximum reduction of $11,700,000.
  • Grantor trust proposed changes are numerous and focus on control of the assets and eliminates valuation discounts on non-business assets. Details on these current changes, as well as how they could relate to prior trusts, should be discussed with an attorney in further detail.

This is just a basic list of major changes that are inside of the proposal. It is important to note that this has a long way to go to become law as party margins in the House and Senate are razor-thin. Obviously, some of these proposals will probably be omitted, amended, or expanded on if and when a bill is ratified.

Additionally, there are some glaring omissions inside of this proposal that have been discussed by the Biden administration before. Specifically, the taxation of carried interest in private equity funds, the step-up in basis at death, state and local tax deduction caps, and Social Security solvency. These items may be addressed in future forms of the bill, but this proposal is the best indication to this point of what a new tax bill will look like.

WEEK IN REVIEW

  • Economic data published this morning showed inflation remains elevated, despite easing from the prior month. Headline CPI increased 0.3% MoM, vs. expectations of a 0.4% increase and a 0.5% increase the prior month. Year-over-year inflation fell from 5.4% in July to 5.3% for the twelve months ending in August. Core CPI, which strips out the volatile food and energy components, increased by 4.0% YoY, compared to 4.3% the prior month.
  • Core CPI was the lowest it has been since February, leading some economists to believe the pace of price increases has peaked. Components of the index that had previously been pushing the metric higher, including used car prices and transportation services, saw their prices decline during August.
  • Other economic data to be published this week includes industrial production and capacity utilization on Wednesday, jobless claims and retail sales on Thursday, and consumer sentiment on Friday.

ECONOMIC CALENDAR

Source: MarketWatch

HOT READS

Markets

  • Inflation Eased in August, Though Still High (WSJ)
  • Businesses are Feeling Stronger Inflation and Paying Higher Wages, Fed’s ‘Beige Book’ Says (CNBC)
  • Weekly Jobless Claims Post Sharp Drop to 310,000, another new Pandemic Low (CNBC)

Investing

  • Every Forecast Takes a Number From Today and Multiples it by a Story About Tomorrow (Morgan Housel)
  • Why Financial Manias Persist (Ben Carlson)
  • What You’ve Lost in This Bull Market (Jason Zweig)

Other

  • Facebook Knows Instagram Is Toxic for Teen Girls, Company Documents Show (WSJ)
  • Facebook Allows Prominent Users to Break Rules (Axios)
  • ‘Is This My Life Now?’: Clemson Defensive End Justin Foster’s – and My – Struggle with Long-Haul Covid (ESPN)

MARKETS AT A GLANCE

Source: Morningstar Direct.

Source: Morningstar Direct.

Source: Treasury.gov

Source: Treasury.gov

Source: FRED Database & ICE Benchmark Administration Limited (IBA)

Source: FRED Database & ICE Benchmark Administration Limited (IBA)

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ABOUT THE AUTHOR

402.763.2967

jjenkins@lutz.us

LINKEDIN

JOSH JENKINS, CFA + CHIEF INVESTMENT OFFICER

Josh Jenkins is the Chief Investment Officer at Lutz Financial. With 12+ years of relevant experience, he specializes in assisting clients with portfolio construction, asset allocation, and investment risk management. He is also responsible for portfolio trading, research and thought leadership as well as analytics and operational efficiency for the Firm's Financial division. He lives in Omaha, NE, with his wife Kirsten.

AREAS OF FOCUS
  • Asset Allocation
  • Portfolio Management
  • Research & Data Analytics
  • Trading System Operation & Execution
AFFILIATIONS AND CREDENTIALS
  • Chartered Financial Analyst®
  • Chartered Financial Analyst Institute, Member
  • Chartered Financial Analyst Society of Nebraska, Member
EDUCATIONAL BACKGROUND
  • BSBA, University of Nebraska, Lincoln, NE

P: 402.827.2300 | F: 402.827.2319 | E: contact@lutzfinancial.com | 13616 California Street | Suite 200 | Omaha, NE 68154

All content © 2017 Lutz Financial  | Important Disclosure Information |  Privacy Policy

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Lutz Expands 401(K) Services with Pooled Employer Plan (PEP) Offering

Lutz Expands 401(K) Services with Pooled Employer Plan (PEP) Offering

 

LUTZ BUSINESS INSIGHTS

 

pooled employer plan

Lutz Expands 401(k) services with pooled employer plan (pep) offering

Lutz Financial, an SEC Registered Investment Advisor and affiliate of business solutions firm Lutz, recently announced its partnership with Newport, an independent retirement services provider, to offer the Lutz Financial Pooled Employer Plan (PEP). 

Chris Wagner, Lutz Financial Director, said, “This new retirement plan solution, made possible with the passing of the SECURE Act, enables employers of all sizes, industries, and locations to come together and adopt the benefits of one professionally managed retirement plan. Participating employers benefit through reduced administrative burdens, fiduciary risks, and lower overall retirement plan costs achieved through economies of scale. In addition, employees receive a modern, user-friendly experience and access to independent financial advisors. 

Employers are communicating the need to provide a competitive retirement plan to compete for talent without being an investment expert or dedicating internal staff to time-consuming plan administration. The Lutz Financial PEP meets these needs while allowing employers to maintain plan feature flexibility. Our clients have already seen great success implementing the PEP, and we are excited to be at the forefront of offering a pooled employer plan locally.”

Lutz selected Newport as a partner because of its extensive retirement plan capabilities, award-winning service and industry-leading technology. The company provides solutions tailored to the needs of employers of every size, from small businesses to the Fortune 1000. Newport’s retirement recordkeeping services support more than 39,000 plans and 1.5 million plan participants, representing over $150 billion in retirement assets under administration.

Learn more about Lutz’s Pooled Employer Plan services here: https://www.lutz.us/lutz-financial-services/pooled-employer-plan/ 

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International Diversification in Charts + Financial Market Update + 9.7.21

International Diversification in Charts + Financial Market Update + 9.7.21

FINANCIAL MARKET UPDATE 9.7.2021

AUTHOR: JOSH JENKINS, CFA

STORY OF THE WEEK

INTERNATIONAL DIVERSIFICATION IN CHARTS

As consumers, we utilize products from non-US companies every day. Whether it is the car we drive, the clothing we wear, the TVs in our homes, or the phones in our pockets, many of the goods we purchase were at least partially manufactured abroad. While consumers are typically diversified when it comes to buying goods, the same is not always true for investors buying stocks.

Many investors exhibit ‘home country bias,’ which is the tendency to over-allocate to the country in which they live. Not only do investors exhibiting this bias forfeit the benefit of additional diversification, but they also miss out on the potential for improved returns, as valuations in non-US markets generally appear less stretched.

The chart below illustrates how the total value of the global stock market is distributed across countries. As you can see, the US market is by far the largest, comprising about 57% of the global market capitalization. An investor concentrated in US investments is missing out on nearly half of the investable equity market.

Percent of World Equity Market Capitalization

In USD. Market cap data is free-float adjusted and meets minimum liquidity and listing requirements. Dimensional makes case-by-case determinations about the suitability of investing in each emerging market, making considerations that include local market accessibility, government stability, and property rights before making investments. China A-Shares that are available for foreign investors through the Hong Kong Stock Connect program are included in China. 30% foreign ownership limit and 25% inclusion factor are applied to China A-Shares. Many nations not displayed. Totals may not equal 100% due to rounding. For educational purposes; should not be used as investment advice. Data provided by Bloomberg. Diversification neither assures a profit nor guarantees against loss in a declining market.

Of course, it is impossible to know in advance which country will perform the best. The chart below illustrates the relative performance across major stock markets over the last twenty years. During this period, the US stock market delivered a 7% per annum return. While that return ranks highly, there were other countries that did better.

Developed Market Return Comparison

Past performance is no guarantee of results. In USD. MSCI country indices (net dividends) for each country listed. Does not include Israel, which MSCI classifed as an emerging market prior to May 2010. MSCI data © MSCI 2021, all rights reserved.

The most important takeaway from this chart is that there is no discernable pattern in the performance rankings over time. As a result, it is unlikely an investor would be able to outperform a diversified international stock allocation by attempting to identify the winners and losers from one period to the next.

One of the biggest benefits of owning a globally diversified portfolio is that it smooths the investor experience. For example, the US market spent several years as one of the worst-performing countries and several others as one of the best performers. That sort of roller coaster ride has the tendency to derail investors from their long-term plan. A great example of this is the “Lost Decade,” which took place from 2000-2009. During that episode, the US market (S&P 500) lost 9.1% of its value on a cumulative basis. The rest of the world performed significantly better during this period. Investors that were diversified into other stock markets around the world have had a much better experience.

Global Index Returns

January 2000 – December 2009

Source: DFA. S&P data © 2020 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI data © MSCI 2020, all rights reserved. Indices are not available for direct investment. Index performance does not reflect expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results.

Nearly half of the world’s equity market value exists outside of the United States. Diversifying equity exposure internationally can potentially reduce volatility and smooth out periods of extreme performance disparity. In recent years, the US has generally outperformed the international stock market as a whole. With valuations looking cheaper abroad, diversifying internationally may also increase expected returns moving forward.

WEEK IN REVIEW

  • The top story from last week was the disappointing jobs number. The economy added 235,000 new jobs in August, much lower than the 720,000 jobs economist were expecting or the roughly 1 million from each of the prior two months. The services sector that involves in-person interaction saw particularly weak job growth, suggesting that the Delta Covid strain is dampening economic activity.
  • The weak jobs number has created some speculation that the Federal Reserve may delay the tapering of its asset purchase program that might have otherwise begun following the FOMC meeting this month.
  • This will be a very light week in terms of economic data releases. The initial jobless claims data will likely be the most watched in light of the week jobs figure published last week.

ECONOMIC CALENDAR

Source: MarketWatch

HOT READS

Markets

  • Jobs Report Disappoints – Only 235,000 positions added vs. Expectations of 720,000 (CNBC)
  • Major Automakers Fear the Global Chip Shortage Could Persist for Some Time (CNBC)
  • Fall’s Economic Comeback Turns Into a September Slowdown (WSJ)

Investing

Other

  • The First Thing to Understand about NIL Is That Nobody Fully Understands NIL (SI)
  • Google’s Quantum Computer Achieves Chemistry Milestone (Scientific American)
  • 11 Ways to Upgrade Your Wi-Fi and Make Your Internet Faster (Wired)

MARKETS AT A GLANCE

Source: Morningstar Direct.

Source: Morningstar Direct.

Source: Treasury.gov

Source: Treasury.gov

Source: FRED Database & ICE Benchmark Administration Limited (IBA)

Source: FRED Database & ICE Benchmark Administration Limited (IBA)

Do you want to receive financial market updates in your inbox? Sign up here! 

ABOUT THE AUTHOR

402.763.2967

jjenkins@lutz.us

LINKEDIN

JOSH JENKINS, CFA + CHIEF INVESTMENT OFFICER

Josh Jenkins is the Chief Investment Officer at Lutz Financial. With 12+ years of relevant experience, he specializes in assisting clients with portfolio construction, asset allocation, and investment risk management. He is also responsible for portfolio trading, research and thought leadership as well as analytics and operational efficiency for the Firm's Financial division. He lives in Omaha, NE, with his wife Kirsten.

AREAS OF FOCUS
  • Asset Allocation
  • Portfolio Management
  • Research & Data Analytics
  • Trading System Operation & Execution
AFFILIATIONS AND CREDENTIALS
  • Chartered Financial Analyst®
  • Chartered Financial Analyst Institute, Member
  • Chartered Financial Analyst Society of Nebraska, Member
EDUCATIONAL BACKGROUND
  • BSBA, University of Nebraska, Lincoln, NE

P: 402.827.2300 | F: 402.827.2319 | E: contact@lutzfinancial.com | 13616 California Street | Suite 200 | Omaha, NE 68154

All content © 2017 Lutz Financial  | Important Disclosure Information |  Privacy Policy

FORM CRS RELATIONSHIP SUMMARY

Creating an Investment Policy for a Nonprofit Organization

Creating an Investment Policy for a Nonprofit Organization

 

LUTZ BUSINESS INSIGHTS

 

creating an investment policy for a nonprofit organization

justin vossen, investment adviser and principal

 

Over the years, we have been asked to assist, craft, and consult with many nonprofit boards to help put an investment policy together for their entity. Boards naturally have a fiduciary duty to protect and grow the assets of the organization. While we would say there is no one-size-fits-all approach to developing these policies, there are a few things that all policies need to address to provide successful implementation and administration of an endowment or investment portfolio.

So, when crafting the portfolio policy, there are a few things that need to be addressed minimally. While the following topics are important, policies do not have to be overly prescriptive and burdensome to provide an adequate framework for boards, committees, management, and investment managers.

 

1. Define Purpose

  • What is the purpose of the policy inside of the organization?
  • What is the purpose of the funds being managed for investment?

Defining these two things adds clarity and direction.

  • Are there multiple designations/uses for the funds, and are they broken into multiple pools?
  • What are the timelines for the uses of each pool of assets?

This helps manage the risk partaken in each different pool.

The purpose can be multifaceted as separate pools of funds can be defined differently. For example, one fund may be for long-term sustainability, such as an endowment. Another pool can be designated to fund a specific project at a later date or ongoing projects that need to be funded annually.

 

2. Delegate Responsibilities

  • Who has the ultimate oversight of the investments?
    • Is it the board of directors, an oversight committee, or an executive employed by the nonprofit?
  • What is the reporting structure to the larger organization/board?
  • Do you plan to employ an investment manager?
  • Is the board managing the assets or are they delegating management to a professional money manager?

First, the board generally must “approve” the investment policy and provide a timeline for it to be re-approved or amended at specified intervals. If responsibilities are delegated to other members of an oversight committee, those terms and timelines need to be established. Also, authorized signers and representatives must be assigned.

  • If an outside money manager is hired, what is the timing and cadence of their reporting structure?
  • Can the fiduciary obligation the board has be delegated to the investment manager?
  • What reporting should be done by the manager during the month, quarter, and year to provide for adequate monitoring by the board?

Many of these answers depend on the size of the asset pool managed and the structure of the organization. However, the timing and cadence of reporting expectations should be defined for all parties.

 

3. Investment Guidelines

Directions and/or parameters to the investment managers need to be given. In many instances, these directives may be broad base to give latitude to your investment managers. Depending on experience and some objectives, very prescriptive guidelines may be given to help mitigate risk.

Guidelines for the following items may be included:

  • Time horizon of investments
  • Liquidity requirements of those investments for use
  • Risk tolerances and diversification mandates
  • Prohibited investments (hedge funds, options, short-sales, commodities, etc.)
  • Expected return goals or expectation
  • Asset allocation objectives (percentage range given to managers to give them discretion)
  • Types of vehicles allowed (stocks, ETFs, mutual funds, bonds, cash, etc.)
  • Portfolio percentage ranges/thresholds for various asset classes
  • Rebalancing parameters
  • Benchmarking
  • Where assets can be custodied by a third party
  • Distribution guidelines or maximums

 

4. Approval and Review

Lastly, you should notate who prepared and approved the policy in its current form for continuity. Also, you should define who can amend and approve any subsequent changes or addendums going forward.

Providing a timeline on review and annual approvals should be defined and based on what is best for the organization. Remember that this is a guide for organizations, managers, and employees, which can result in ensuring flexibility and defining responsibilities for all!

If you have any questions, please contact us. You can also learn more about our Lutz Financial services or read related article on our Lutz Financial blog.

 

Important Disclosure Information

Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Lutz Financial), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.  Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions.  Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Lutz Financial.  To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing.  Lutz Financial is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice.  A copy of the Lutz Financial’s current written disclosure statement discussing our advisory services and fees is available upon request.

ABOUT THE AUTHOR

402.827.2300

jvossen@lutzfinancial.com

LINKEDIN

JUSTIN VOSSEN, CFP®, NAPFA + INVESTMENT ADVISER, PRINCIPAL

 Justin Vossen is an Investment Adviser and Principal at Lutz Financial. With 21+ years of relevant experience, he specializes in providing wealth management and financial planning services for high net-worth families, business owners in transition, endowments and foundations. He lives in Omaha, NE, with his wife Nicole, and children Max and Kate.

AREAS OF FOCUS
AFFILIATIONS AND CREDENTIALS
  • CERTIFIED FINANCIAL PLANNER™
  • National Association of Personal Financial Advisors, Member
  • Financial Planning Association, Member
EDUCATIONAL BACKGROUND
  • BSBA in Economics and Finance, Creighton University, Omaha, NE
COMMUNITY SERVICE
  • St. Augustine Indian Mission, Board Member
  • Nebraska Elementary and Secondary School Finance Authority, Board Member
  • St. Patrick's Church, Trustee
  • Mount Michael Booster Club Board
  • Lutz Gives Back, Committee Chair
  • March of Dimes Nebraska, Past Board Member

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4 Things to Know Before Selecting a Customer Relationship Management (CRM) Software

4 Things to Know Before Selecting a Customer Relationship Management (CRM) Software

 

LUTZ BUSINESS INSIGHTS

 

4 things to know before selecting a customer relationship management (crm) software

ryan wade, TECH director

 

At Lutz Tech, we help companies with software strategies, implementation, and support of core systems. Our clients typically look to us for help in reducing duplicate data entry, automating processes, or enhancing data and reporting capabilities. Over the last five years, we have seen more businesses choosing solutions such as Microsoft Dynamics and Salesforce as the foundation of their software strategy. Here are four things you need to know when considering these Customer Relationship Management (CRM) platforms.

 

1. Functionality and Features

The capabilities of customer relationship management systems, or CRM’s, have evolved well beyond just managing a sales pipeline. Our clients utilize CRMs to streamline processes for sales, marketing, operations and finance. Today’s CRM platforms are flexible databases that can help you manage data for your key relationships, products and team. In many cases, the best of breed CRM platforms are being implemented in lieu of ground up custom software application build-outs. They offer the majority of functionality that businesses need “out-of-the-box” while providing the ability to configure or customize the solutions to meet your needs.

For most businesses, the differences between the most popular CRM solutions are relatively small. The decision of which is right for your business typically comes down to cost, integration with other systems, and preference for how they look and feel.

 

2. Cost

One of the largest considerations for any business is the cost to get the system up and running as well as maintain it. The primary costs can be broken down into the cost of implementation, licensing, and ongoing support. The estimated cost will come down to your specific needs. However, it can be helpful to have reasonable expectations during your review.

It is understandable to want to try the software before purchasing, but few clients are able to implement a CRM package on their own. Therefore, consultants are typically involved in helping configure the system to your business and, in some cases, customize the software to meet your needs. Consultant costs range anywhere from $125-$250 per hour, depending on the system and requirements. On average, we have found the first phase of implementation to cost around $25,000-$50,000.

Licensing costs for these systems vary based on permissions and capabilities. Microsoft Dynamics’ monthly licensing is generally $65-$95 per user and Salesforce $75-$150 per user. The platforms also offer lower-cost licensing options for users interested in more limited usability. In addition, most CRM’s provide non-profit licensing discounts ranging from $30-$50 per user per month.

 

3. Integrations

Integration capabilities are another critical consideration when researching CRM platforms. The ability to push, pull and sync data with other systems allows you to reduce redundant data entry and use your CRM as a “source of truth” for customer data. Microsoft, Salesforce, and NetSuite have all built developer-friendly application programming interface layers, or APIs, that make it possible for your systems to talk.

The benefits of systems playing nicely together are clear. However, building and maintaining these integrations requires a deliberate data and process strategy.

 

4. Ongoing support

The hardest part of any CRM implementation is the final 10%. This is the point where budget and timeline constraints hit the team, and a hard look at what is in and out of scope becomes reality. There are often features or workflows that you hope to implement that will be pushed to later dates. In addition, regardless of how well you plan, there will be changes that you want after the team starts working in the system. The changes required may include small tweaks that your team can handle or more complex changes that require ongoing development support. With this in mind, we recommend two things to increase the success of your project.

The first is that your team members get involved during the implementation process. This allows your team to be trained in making changes to the system while you have the oversight of consultants.

The second is that you retain the contractors for at least three months following the system going live. This typically requires a retainer of hours that can be used for bug fixes, ongoing training, and configuration changes.

 

We are here to help

Our team is ready to assist whether you need help evaluating your options or understanding your current software. The first step involves a short call to discuss your needs to advise you on the right path. For questions or to learn more about our Lutz Tech services, please contact us.

ABOUT THE AUTHOR

402.778.7958

rwade@lutz.us

LINKEDIN

RYAN WADE + TECH DIRECTOR

Ryan Wade is a Tech Director at Lutz with over ten years of relevant experience. His primary responsibility is to manage the software solutions practice, including team administration and client relationship management. Ryan is also the lead on Lutz's online client portal, Threadworks.

AREAS OF FOCUS
  • Software Consulting
  • Client Relationships
  • Professional Services Industry
  • Real-Estate Industry
  • Banking Industry
EDUCATIONAL BACKGROUND
  • BSBA, University of Nebraska, Lincoln, NE
  • MBA, Creighton University, Omaha, NE
COMMUNITY SERVICE
  • Business Ethics Alliance, Committee Member
  • Greater Omaha Chamber of Commerce, Audit Chair
  • Nebraska Tech Collaborative Internship Committee Chair

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