Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments podcast

المحتوى المقدم من Bill Holliday, CFP, Bill Holliday, and CFP. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Bill Holliday, CFP, Bill Holliday, and CFP أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

All About Change

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Eli Beer & United Hatzalah: Saving Lives in 90 seconds or Less 30:20

منذ 13 يومًا30:20

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30:20

Eli Beer is a pioneer, social entrepreneur, President and Founder of United Hatzalah of Israel. In thirty years, the organization has grown to more than 6,500 volunteers who unite together to provide immediate, life-saving care to anyone in need - regardless of race or religion. This community EMS force network treats over 730,000 incidents per year, in Israel, as they wait for ambulances and medical attention. Eli’s vision is to bring this life-saving model across the world. In 2015, Beer expanded internationally with the establishment of branches in South America and other countries, including “United Rescue” in Jersey City, USA, where the response time was reduced to just two minutes and thirty-five seconds. Episode Chapters (0:00) intro (1:04) Hatzalah’s reputation for speed (4:48) Hatzalah’s volunteer EMTs and ambucycles (5:50) Entrepreneurism at Hatzalah (8:09) Chutzpah (14:15) Hatzalah’s recruitment (18:31) Volunteers from all walks of life (22:51) Having COVID changed Eli’s perspective (26:00) operating around the world amid antisemitism (28:06) goodbye For video episodes, watch on www.youtube.com/@therudermanfamilyfoundation Stay in touch: X: @JayRuderman | @RudermanFdn LinkedIn: Jay Ruderman | Ruderman Family Foundation Instagram: All About Change Podcast | Ruderman Family Foundation To learn more about the podcast, visit https://allaboutchangepodcast.com/ Looking for more insights into the world of activism? Be sure to check out Jay’s brand new book, Find Your Fight , in which Jay teaches the next generation of activists and advocates how to step up and bring about lasting change. You can find Find Your Fight wherever you buy your books, and you can learn more about it at www.jayruderman.com .…

Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

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Values Investors Podcast focuses on providing information about Socially Responsible Investing (SRI) and ESG (Environmental, Social, Governance) Investments. SRI and ESG investing is an investment strategy seeking to maximize both financial return and social good. The SRIESG podcast was created to help make SRI easy for socially conscious investors who are concerned about how they invest and want to make change in our society through their investments.

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Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

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updated منذ 8 أيام

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Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

1
Smart Gifting Strategies 12:03

منذ 8 أيام12:03

12:03

Smart Gifting Strategies: How to Maximize Your Tax Deduction While Supporting Causes You Love At AIO Financial, many of our clients want to do more than just grow their wealth—they want to give back. Whether you’re already supporting charitable causes or considering a donation this year, there are smart, strategic ways to give that can increase your impact and reduce your taxes. In this blog (and podcast episode), we’ll explore how you can: Get a tax deduction by donating appreciated stock Satisfy your Required Minimum Distribution (RMD) with a charitable gift Use a Donor-Advised Fund (DAF) to bundle your giving Support high-impact, transparent charities aligned with your values Let’s look at how to make your giving go further—for your community and your financial plan. Why Strategic Giving Matters With the standard deduction currently high ($14,600 for individuals and $29,200 for married couples in 2024), many people don’t benefit from deducting charitable donations unless they itemize. But that doesn’t mean your giving can’t also help you reduce taxes. By using strategies like appreciated stock donations, QCDs, and DAFs, you can: Lower your taxable income Avoid capital gains taxes Give in a more impactful, intentional way Let’s break it down. 📈 Strategy #1: Donate Appreciated Stock If you’ve owned stocks, mutual funds, or ETFs for over a year and they’ve increased in value, consider donating them directly to charity rather than selling them. Why It Works: You avoid paying capital gains taxes You get a charitable deduction for the full fair market value The charity receives the full value of your gift, tax-free Example: You bought stock for $1,000, and it’s now worth $5,000. Sell it, and you may owe taxes on the $4,000 gain. Donate it directly, and you get a $5,000 deduction and pay zero taxes on the gain. ✅ Make sure the organization can accept stock donations. A Donor-Advised Fund can make this process easier. 🔁 Strategy #2: Give from Your IRA Using a Qualified Charitable Distribution (QCD) If you’re age 70½ or older, you can donate up to $100,000 per year directly from your Traditional IRA to a qualified charity through a QCD. Why It Works: Satisfies all or part of your Required Minimum Distribution (RMD) The amount donated is excluded from your taxable income Keeps your Adjusted Gross Income (AGI) lower, which may reduce: Social Security taxation Medicare premiums Phaseouts on other deductions Example: Your RMD is $15,000. You give $10,000 to a charity via QCD and only report $5,000 as income—saving taxes and supporting a cause you love. 💡 Especially useful if you don’t itemize, since QCDs reduce income without needing to claim a deduction. Be sure to inform your tax preparer – brokerage houses will just report the amount taken out, not that it was a QCD. 📦 Strategy #3: Open a Donor-Advised Fund (DAF) A Donor-Advised Fund is like a charitable investment account that allows you to: Make a large donation now and get the full deduction this year Give to specific charities gradually over time Donate appreciated assets like stocks or even crypto Why It Works: “Bunch” your donations into one year to exceed the standard deduction Take advantage of a high-income year to maximize the tax deduction Establish a legacy of giving for your family Ideal for: Business owners High earners Investors with appreciated stock Anyone who wants flexibility in giving over time 🎯 Combine These Strategies for Even Greater Impact You don’t have to choose just one approach. Many of our clients use a combination for tax efficiency and flexibility: Donate appreciated stock to a Donor-Advised Fund Use QCDs to fulfill your RMD each year Plan larger donations during high-income years Together, these methods allow you to support charities you care about while building a tax-smart, long-term giving plan. ❤️ Giving with Impact: How to Choose Effective Charities Now that you know how to give smarter, let’s talk about where to give. https://aiofinancial.com/effective-altruism/ Choosing where to give is just as important as how much you give. With so many nonprofits out there, it can be hard to know which ones are truly making a difference. Fortunately, several independent organizations evaluate charities based on effectiveness, transparency, and measurable outcomes—so you don’t have to start from scratch. Some of the most trusted charity evaluators include: GiveWell – Focuses on cost-effectiveness and proven impact, especially in global health and poverty alleviation. Charity Navigator – Rates thousands of U.S.-based nonprofits based on financial health, accountability, and transparency. Animal Charity Evaluators – Identifies high-impact animal welfare organizations using rigorous criteria. ImpactMatters – Evaluates how much good an organization achieves for every dollar spent (now part of Charity Navigator). These platforms can help you identify charities that align with your values and use donations efficiently. But even with these tools, it’s important to consider some key factors when making your decision. First, look for evidence-based impact . The most effective organizations measure their outcomes and use data to refine their programs. Instead of focusing solely on overhead ratios, consider how well a charity turns dollars into real-world results—whether that’s lives saved, emissions reduced, or policies changed. Second, review a nonprofit’s transparency and accountability . Does the organization publish annual reports, audited financials, and program evaluations? Are they open about their successes and their challenges? The best nonprofits communicate clearly with donors and stakeholders. Third, evaluate the charity’s cost-effectiveness . Some programs can have exponentially greater impact per dollar than others. For example, funding mosquito nets to prevent malaria can cost less than $5 per net and save lives, while other types of giving may be far less efficient in achieving outcomes. Finally, consider the scalability and room for more funding . Some nonprofits are already well-funded or operating at capacity, while others are poised to expand and could do much more with additional resources. By combining these evaluation tools and key criteria, you can ensure your giving is not only generous—but also smart, strategic, and deeply impactful. In the sections below, we’ve highlighted several high-impact charities working across different focus areas, each with a strong track record of making a difference. 🐾 Animal Welfare Animal suffering is widespread and often underfunded. These groups are leaders in reducing harm and promoting sustainable change: Animal Charity Evaluators – Independent reviews of top animal charities The Humane League – Works to end the abuse of animals in factory farming The Good Food Institute – Promotes plant-based and cultivated meat alternatives Faunalytics – Provides data and analysis to improve animal advocacy efforts 🌎 Climate Change Every dollar toward climate solutions can have an exponential impact. These organizations work globally to reduce emissions and protect the planet: One Tree Planted – Supports reforestation projects worldwide Rainforest Foundation US – Works with Indigenous communities to preserve rainforests Burn Stoves – Builds clean cookstoves that lower carbon output and improve health outcomes 🌍 Combating Global Poverty The most cost-effective programs in the world are tackling poverty using rigorous research and direct support: GiveWell – Identifies top charities based on cost-effectiveness GiveDirectly – Transfers cash directly to families in poverty Oxfam – Works globally on inequality, emergency relief, and sustainable development J-PAL – Evaluates social programs with randomized controlled trials Innovations for Poverty Action – Applies evidence to real-world poverty solutions 🧬 Saving Lives & Public Health These nonprofits are among the most cost-effective at preventing deaths and improving global health: Against Malaria Foundation – Provides mosquito nets to prevent malaria Evidence Action – Deworm the World – Treats children for intestinal parasites Helen Keller Intl – Focuses on nutrition, vision, and maternal and child health 📰 Free Media & Public Awareness Informed societies are stronger societies. These organizations promote independent journalism, free information, and public education: ProPublica – Investigative journalism that exposes injustice The Center for Public Integrity – Focuses on transparency and accountability in government NPR – Trusted nonprofit public media offering independent news Development Media International – Uses mass media to improve health outcomes Wikimedia Foundation – Supports free access to knowledge through Wikipedia and related projects 🧠 Final Thoughts Whether your passion is the environment, education, public health, animal welfare, or economic justice, there’s a way to give that makes a real difference—and offers meaningful tax benefits. At AIO Financial, we specialize in personalized charitable giving strategies for individuals, families, and foundations. We’ll help you identify the most effective way to give based on your financial situation and personal values. 💬 Ready to Give Smarter? If you’re planning a gift this year—or want to review how your giving fits into your overall financial plan—we’re here to help. ✅ Schedule a free consultation at aiofinancial.com to start building your smart giving strategy today. Let’s make your generosity go even further. Transcription from video: I’m going to talk about charitable giving strategies so how to maximize the tax deduction to support non profit organizations so why is it useful to be strategic because he can give more if you’re getting a tax credit for or tax deduction for it it’ll allow you to give more and support some great organizations so we’re going to talk about three strategies one is donate appreciated stock so if you sell stock that has grown in value you have to pay capital gains tax on that growth it’s usually 15% 20% if you have high real large amount of capital gains high income but usually 15% so that’s 15% less that can go to the charity if you just give them appreciated stock you don’t pay the capital gains and the charity doesn’t either it’ll go right to their brokerage account they’ll sell it they get the money without paying taxes great you do want to get long term capital gains you have to hold the asset for more than a year second one is use a qualified charitable deduction from your IRA so if you’re seventy and a/2 that’s a weird age but seventy and a/2 or older you can take money out from your IRAs or your 4 1 k or your well just any tax deferred account and uh you that reduces you’re 73 or in the future 75 and you have to do a required minimum distribution it’s about 4% a year you have to take out each year this satisfies that so the advantage when you’re seventy and a/2 is you’re giving money that you haven’t paid taxes on so if you give a couple thousand dollars from an IRA that’s money that’s not you you haven’t paid taxes on it if you take it out of the IRA it counts as as income for your taxes so if you just give it directly to the charity no taxes on that money the charity doesn’t pay taxes on it it’s great win win when you have to required distributions that’s gonna count as income and and be taxed as as income and any amount that you use let’s say you have to take 10,000 out a year um in in it will it’ll vary their age and the value of the accounts but uh that any money of that that you send to charities you don’t pay income tax on so you get a good tax deduction and if you’re just doing standard deduction this is a great way to get some credit for the charitable contributions you do have to tell your tax preparer or if you’re the tax preparer you have to remember that it went to a charity because the brokerage house is going to send you a 1099 and it’s just gonna say hey you took out $10,000 it’s not gonna say hey five of that went to a charity it’ll just have the amount that came out and how much taxes were withheld you have to record hey some of that went to a charity because Schwab or Vanguard or Fidelity they’re not gonna identify oh did this go to a 5 0 1 c 3 that’s active you have to defend that and if you get audited you just have to show hey this money did go directly to a qualified charity and I don’t have to pay taxes on it it’s great uh the third one is a advised fund so for most of us the standard deduction is is pretty high standard deduction 2025 for let’s just see for uh married couple what are we looking at um life time and credit standard here we go $30,000 single 15,000 so $30,000 for $30,000 for a married couple you get to part of that calculation is either take 30,000 or the itemized deductions you can take your real estate your house taxes mortgage interest car tags and then charitable contributions but a lot of times let’s say you’re if you have a mortgage your your taxes let’s just say 10 15,000 you still have to donate another 15,000 just to get up to that standard deduction so if I give a $10,000 a year to charity I’ll never get a a benefit from that I’ll the tax deduction if I’m just doing 10,000 a year and my itemized deduction is 15 well that gets me up to 25 but the standard deductions 30 I’m always just gonna take the standard deduction no benefit in my charitable contributions so a diet don’t a donor advised fund it’s just an account set it up at Schwab Fidelity Vanguard at any brokerage house or at a bank whatever you want to do you set it up and you can contribute to it let’s say five years of donation so I’ll put 50,000 into it well now I’m well above that standard deduction I’m gonna get a tax benefit a a a reduction a in the year that uh contribution I put my 50,000 Stoner Advice fund and it’s an account I can invest in stocks bonds I can invest in exchange trade funds mutual funds whatever I want to do and then I can distribute it over the next five years I can do my 10,000 a year over the next five years I get my 50,000 dollar tax deduction I’m getting well above the standard deduction I’m getting a benefit and then I can distribute it over the next 10 years I can distribute it and it’s really easy to distribute they have a list of what’s not list you just type in the charity if it’s a registered 5 0 1 c 3 it pops up sends a check to him great super easy to take care of and you could do that throughout the year uh it’s a great way to get some benefit for your tax for your charitable donations alright those are the three strategies you can of course combine them do appreciated stock to take money from IRAs and um yeah and do the uh advice fund oh and charity yeah that’s a good one stock can go right into the donor advice fund you don’t pay capital gains on it it’s sitting in that account and then you distribute it I mean that’s that’s a wonderful invest funds are great you can invest them safely conservatively aggressively you can use socially funds so that it’s making an impact just as an investment as well Community Investment notes you can do a lot of a lot of nice that fund as well yeah and donations you get the best benefit if you’re if you’re reducing yourself high tax bracket so if you’re in the 32% tax bracket well sure if you can reduce your income in that year you’re getting a better benefit than if you’re reducing it in a 22% tax bracket year okay great those are all good effective charities we we’ve had this question from clients just who do I to what’s a good charity to give to well it depends on what you wanna support um you can help save lives help reduce population you can help animals you can help climate changes I mean there’s a ton of there are some good charity of give well is an efficient way to help saving lives Charity Navigator is a good um option or website to evaluate it’s worth doing some research cause there are some very inefficient charities and you want your money to make as big of an impact as you can impact matters animal charity evaluator um some of the key things you Wanna look at is evidence based impact not that they’re just throwing money at different projects cause it sounds good that they’re looking at you know how they can make the impact they can transparency accountability cost effectiveness and that they can use your funds that they’re not already supported and and that they’ll put your to good use um some of the top causes there areas for animal welfare animal charity evaluators the Human League good Food Institute analytics sites that’ll help you make a good impact if you want animal welfare animal causes um causes for climate change organizations that are supposed to make or or I’ve interviewed each of these but they um have a good impact one tree planted this is for climate change Rainforest Foundation uh burn stoves trying to help with climate changes more I’m sure there’s a lot more these are three that I’ve seen or that I’ve talked to um for global poverty again give give directly you’re just giving money which is a very efficient way to support that’s probably what you should compare against your complicated project versus just uh giving directly oxfam J PEL is the poverty action laboratory they do a lot of studies uh in impact for poverty action a good organization both of these are from professors or university driven and they do a lot of um randomized studies to determine what most impact I spoke with someone from J Pal who was saying one of their biggest impact projects is just giving people business necessary equipment plus money so they don’t sell that equipment right away and then they can grow generate an income and move from there um I know aux fans sometimes you’re you’re buying a goat or or chickens or animals to be their business uh start point um and yeah the um IPA the impact for poverty poverty action they do they have a lot of nice studies for different areas uh JPEL as well for micro or for different types of projects to uh see what will make the biggest impact and I think that’s that’s key is again you’re the money on taxes so you can give more but you want to make sure that money is doing something helpful to the types of causes you want to do and I’d actually put JP and IPA I know they’re in global poverty but they really help evaluate in a lot of different areas saving lives malaria deworming Helen Helen Institute for Free Media NPR is on this list Propublica Wikimedia DMI and center for Public Integrity and these are just some ideas you know research what what drives you motivates you what you wanna see doing better uh political contributions are not tax so it it’s kind of a separated that’s just money that you’re giving not um you’re not getting any for it at least at this point a strategic giving you want a good impact plus the tax savings gives you the biggest impact let us know AIO Financial we are fee only financial planners we’re fiduciaries we specialize in socially responsible investing and we work a lot with expats um yeah let me know if you questions any comments I appreciate it The post Smart Gifting Strategies appeared first on AIO Financial - Fee Only Financial Advisors .…

Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

1
Proxy Season 2025: How Shareholders Are Making an Impact Amid Political Pushback 10:23

منذ 23 يومًا10:23

10:23

Proxy Season 2025: How Shareholders Are Making an Impact Amid Political Pushback At AIO Financial, we specialize in helping our clients align their investments with their values through socially responsible investing (SRI) . We believe in the power of the individual investor—and there’s no better example of that power than proxy season , when shareholders come together to hold corporations accountable. The 2025 Proxy Preview Report , developed by As You Sow, Proxy Impact, and Empower Venture Partners, underscores how shareholder advocacy remains one of the most powerful tools we have to influence corporate behavior—even in the face of increasing political and regulatory headwinds. Link to report: https://www.proxypreview.org/ 🗳 What Is Shareholder Advocacy? Shareholder advocacy refers to the actions taken by investors—often at annual general meetings (AGMs)—to influence a company’s policies, operations, and impact on society and the environment. Through proxy voting and shareholder resolutions , investors can raise concerns about everything from climate change to corporate lobbying practices. Key Shareholder Rights Include: Voting on board director candidates and policy issues Receiving dividends and reviewing company financials Transferring shares and suing for wrongful acts Filing shareholder proposals —if you’ve held: $2,000+ in stock for 3+ years $15,000+ for 2+ years $25,000+ for 1+ year Shareholders owning more than 10% of a company’s shares can call special meetings , and those with over 5% must file reports to the SEC detailing their intentions and transactions. At AIO Financial, we help clients use these rights to vote their values and engage companies on issues like climate justice, racial equity, and sustainable business practices. 📉 Fewer Filings, Bigger Stakes in 2025 As of February 21, shareholders had filed 355 ESG proposals —a 34% drop from the same time in 2024. Why? Regulatory Pushback : A change in the presidential administration led to a dramatic policy shift at the SEC. Resolutions that had been approved for decades were suddenly excluded . Mid-Season Rule Changes : After most proposals were filed, the SEC altered the rules to favor companies, extending their deadline to object—but not giving shareholders the same opportunity to revise their submissions. Political Attacks on ESG : Proponents are more cautious this year, with many opting for private negotiations to avoid public backlash and potential proposal exclusions. Despite fewer filings, shareholder advocacy is more important than ever . This year’s proposals tackle systemic risks that impact long-term corporate value—and your portfolio. 🌍 2025 Proposal Highlights 🌡️ Climate Change (85 proposals) Companies are being asked to disclose climate transition plans , reduce greenhouse gas emissions , and report on climate-related financial risks . Shareholders are targeting sectors like finance and insurance for their role in funding fossil fuels and delaying climate action . 🏛️ Corporate Political Influence (77 proposals) Shareholders want transparency around lobbying , political contributions , and values alignment . The SEC allowed omission of some long-standing lobbying disclosure proposals, prompting many investors to shift strategy. 🌱 Environmental Management (52 proposals) Topics include biodiversity , deforestation , plastic use , and food waste . New proposals target the avocado supply chain and pollution from tire particulates . 🧑🏽‍🤝‍🧑🏻 Human Rights (37 proposals) Issues addressed include AI ethics , child safety , forced labor , Indigenous rights , and tax transparency . One high-profile proposal calls on Alphabet to disclose lobbying efforts related to child safety laws . 💼 Diversity, Equity & Inclusion (36 proposals) Proposals ask companies to disclose DEI metrics , ensure equal pay , and protect freedom of association . Despite political backlash, support for DEI remains strong: At companies like Disney and Apple , shareholders voted overwhelmingly (98%) in favor of DEI initiatives. ⚠️ Withdrawing and Omitting Proposals So far, 78 proposals (22%) have been withdrawn—up from just 7.7% last year. These withdrawals often result from successful negotiations behind the scenes or concern over proposals being blocked by the SEC. Meanwhile, 221 proposals have received no-action requests —where companies ask the SEC for permission to exclude them. This tactic has become more frequent in 2025, signaling a more adversarial environment for shareholder rights. 🛑 The Anti-ESG Push The number of anti-ESG proposals is rising and now represents nearly 15% of all submissions. These proposals often attack: DEI programs Corporate activism Environmental disclosures Notably, state officials like Oklahoma’s State Treasurer have joined the push, filing proposals against companies that support racial justice , digital safety , or reproductive rights . The good news? These proposals are overwhelmingly defeated —with anti-DEI efforts losing 98% of the vote. 💡 Why This Matters The data is clear: Shareholder advocacy works . Over the last two decades, it has led to: Greater corporate transparency Stronger environmental policies Improved worker protections More inclusive and equitable workplaces Even in a politically hostile environment, responsible investors are helping shape the future of business—one vote at a time. ✅ How You Can Make an Impact At AIO Financial, we empower you to: Vote your proxies in alignment with your values Engage companies on sustainability and justice Invest in portfolios screened for ESG performance and advocacy alignment You don’t need to be a billionaire or run a fund. If you’re a shareholder, you already have a voice—and we’re here to help you use it effectively. 📬 Let’s Work Together Want to learn more about socially responsible investing and shareholder advocacy? Reach out today for a free consultation . Whether you’re just starting or you’re a seasoned investor, we’ll help you build a strategy that aligns your money with your mission. 🌐 aiofinancial.com 📞 Schedule a call 📩 Join our newsletter for updates on ESG investing and proxy voting tools Together, we can build a more sustainable and just future—one vote, one investment, one conversation at a time. Video Transcript: I’m going to go over some of the shareholder resolutions that are proposed for 2025 there has been a drop in the number of resolutions compared to 2024 we’re still just in the beginning of the season but that’s partially because of the new SEC leadership and shifting in rules making it more difficult for shareholders to make resolutions to make changes be advocates shareholders are waiting on this you’ll see a lot of the proposals are under review there’s been an increase in private negotiations so the shareholders are engaging but maybe not through the shareholder advocacy through shareholder resolutions but just engagement with companies many resolutions have been withdrawn that’s higher than last year and a lot of times that means that there was an agreement brought up a lot of no action a summary of some of the proposals the shareholder resolutions again environment and climate change are a big focus of shareholder resolutions poke a push for climate transition plans and greenhouse gas emission disclosure a deforestation in the avocado industry and tire particulate pollution tire shredding and then in the financial sector just scrutinizing the funding of fossil fuel projects corporate political influences is another big issue this year lobbying transparency as you see allowed exclusions for proposals um many of the disclose the resolutions are being blocked social di topics there are many of those this year and then there is an increase there’s a lot of anti environmental social governance proposals in this shareholder resolutions they’re mostly getting rejected by shareholders though so why engage with companies it’s another tool it’s a way to make positive change through your investments as a shareholder you can make an impact you don’t have to do it if you invest in a fund an exchange traded fund a mutual fund that has similar values is pushing in the direction you want to push they will engage on your behalf they have the knowledge staff resources to be able to make changes with companies there are many examples of funds there are funds that do screening there are funds that engage with community investment and there are funds that just engage they just try to make changes some of them just vote on shareholder resolutions and some of them bring up shareholder resolutions engage with companies to make positive changes you can well you’re right as a shareholder is vote file resolution sue but you can let the funds do this you don’t have to be doing this as an investor and then you can bring up resolutions you can vote on resolutions and you can engage with corporations you own a part of the company you are an owner and can make especially if you add your resources to other like minded investors you can make changes in companies voting is crucial you can demand transparency you can influence supply chains corporate contributions sustainability greenhouse gas emission disclosure there are a lot of issues you can affect and we’ll go over them we’ll go over some of those that are being proposed or that are being worked on this year in overview the drop is a lot because of these rule changes SCC policy changes and political pressure it’s unfortunate but that’s the environment we’re dealing with right now it doesn’t mean we shouldn’t engage it doesn’t mean we shouldn’t try hard to make positive changes and if the government’s not gonna make positive changes it’s a way to make changes and push because these companies do influence our political system why the drop t C C rule changes long approved proposals are not being allowed private negotiations to avoid backlash so environmental social governance categories these are the main areas that are being worked on largest is climate change corporate political influence a big amount of anti environmental management and then you’ve got human rights diversity at work sustainable governance health and safety decent workplace climate again always an issue transition planning is the biggest piece climate financing is a big piece disclosure greenhouse gas emission disclosure plastics food waste we’ll go over some of these so emissions proposals these are some of the companies being targeted the resolution topic and who’s pushing that forward Green Century is a mutual fund company as you so puts out this report each year there are great non profit trying to make changes through shareholder engagement and and this is the format we’re going to see in all of these proposals uh climate transition proposals 38 filed I think with the previous slide too this is just an example of the ones that have been filed some of them get filed and get withdrawn if the company does and the advocate and the proponent come to an agreement a trillium here but companies and the resolutions adopt greenhouse gas targets and issue transition plans align with the 1.5 degrees just transition proposals climate finance proposals so these are for institutions financing fossil fuel disclose clean energy supply finance ratio just a lot of its disclosure measure disclose reduce disclose carbon offset so this is carbon offset accounting proposals methane proposals environmental management I guess some of the biggest are water use and risks waste and pollution we’re early in the season so this number will grow antimicrobial proposal biodiversity deforestation proposals food waste proposals mining plastic proposals water certification proposals human rights well in the pretty similar standards and ethics racism environmental justice I guess digital content so human rights policies indigenous people’s rights proposals environmental justice proposals human rights rest data Protection AI reporting human rights impact child safety proposals data Protection forced labor hate speech health and safety proposals we’ve got some health proposals tax transparency decent work freedom of association proposals living wage worker health and safety diversity at work d I Metric Metrics and Data Proposals d a Policy Proposals some data proposals corporate political influence this is always a big one lobbying elections are the big ones so political contribution proposals lobby ing proposals and a lot of this is just report just disclose value congruency proposals as you so did a proposal there sustainable governance board composition try to get a diverse board of directors environmental social governance reporting proposal compensation proposals voting rights proposals anti environmental social governance there are quite a few of proposals that are against environmental social governance again most of those are getting defeated by shareholders withdraws there’s a lot of withdrawals and that’s fine if they’ve negotiated if they’ve worked something out pull the shareholder resolution make it not public just make changes CC is tightening inclusion rules anti esg environmental social governance is rising we’ve already discussed this most almost all are getting defeated why shareholder advocacy matters it makes a change you’re a shareholder you can make a change sometimes you can’t count on the government making a change greater accountability align investments with values influence sustainable business practices I’m with AIO Financial we help get clients aged with their investments we have a questionnaire just to make sure your investments if you want them to match your values so that they’re engaging on your behalf they’re voting on your behalf they’re working with companies to make positive changes feel free to call us AIO financial.com we offer a free consultation we have some tools on our website AIO financial.com let me know if you have any questions let me know if you have any comments it’s just a brief summary we use a tool called your stake to evaluate the impact of proposals we can compare portfolios let us know if we can help alright take care thank you for watching The post Proxy Season 2025: How Shareholders Are Making an Impact Amid Political Pushback appeared first on AIO Financial - Fee Only Financial Advisors .…

Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

1
Estate Planning Made Simple: Protect Your Legacy 7:39

منذ 10 weeks7:39

7:39

The Importance of Estate Planning: Protect Your Legacy with AIO Financial Estate planning is one of the most crucial yet often overlooked aspects of financial management. Without an updated estate plan, your assets and wealth may not be distributed according to your wishes, potentially leading to unnecessary legal complications, family disputes, and even increased taxes. At AIO Financial, we recognize the importance of proactive estate planning and are committed to making the process easier for our clients. As a fee-only financial planning firm, we offer free estate planning documents through our partnership with Estately to ensure your financial legacy is protected. Why Estate Planning Matters Many people assume that estate planning is only for the wealthy or elderly, but the reality is that everyone benefits from having a plan in place. Here are some key reasons why estate planning is essential: Control Over Your Assets – Without a will or trust, the state decides how your assets are distributed, which may not align with your intentions. Protection for Your Loved Ones – A proper estate plan ensures that your family members are taken care of, especially minor children or dependents with special needs. Avoiding Probate – Probate can be a lengthy and expensive legal process. Estate planning helps streamline asset transfer and reduce legal fees. Minimizing Taxes – Strategic planning can significantly reduce estate and inheritance taxes, preserving more wealth for your beneficiaries. Healthcare and Financial Directives – A comprehensive plan includes medical directives and financial powers of attorney, ensuring your wishes are honored in case of incapacity. Specifying Guardians and Trustees for Minors – Naming a guardian ensures your minor children are cared for by a trusted person if something happens to you. A trustee can be designated to manage financial assets for their benefit until they reach adulthood. Setting Up Correct Beneficiaries on Accounts – Ensuring that all your financial accounts, including retirement plans, life insurance policies, and bank accounts, have correctly designated beneficiaries prevents delays and complications in asset distribution. Planning for the Unexpected – If both individuals in a family pass away or become incapacitated, having a clear plan in place is essential. Does a trusted person know where your estate planning documents, passwords, property deeds, financial records, and safe deposit keys are located? Ensuring that this information is accessible to the right people is crucial for a seamless transition. Free Estate Planning Documents from AIO Financial Through our collaboration with Estately , AIO Financial provides clients with access to essential estate planning documents online. These documents ensure that your estate is managed according to your wishes and provide peace of mind for you and your loved ones. The documents available include: Wills – Specify how you want your assets to be distributed and name guardians for minor children. Revocable Living Trusts – Manage your assets while you’re alive and ensure a smooth transfer upon your passing, avoiding probate. Financial Power of Attorney – Designate someone to handle financial decisions on your behalf if you become incapacitated. Advance Healthcare Directives – Outline your medical treatment preferences and appoint a trusted individual to make healthcare decisions for you. Complex Trust Solutions – For those looking to minimize estate taxes, Estately provides advanced trust options to protect and transfer wealth efficiently. Additional Estate Planning Services with Estately In addition to providing essential estate planning documents, Estately offers deed transfer services for a flat fee of $150 , ensuring that real estate assets are properly titled. If you prefer a comprehensive, attorney-led process , you can opt for a full estate planning service for a flat fee of $3,500 , where a lawyer will handle everything for you, ensuring your plan is legally sound and fully customized to your needs. How to Get Started Getting started with estate planning at AIO Financial is simple and accessible. We offer a user-friendly online platform where clients can create their estate planning documents in a few easy steps: Schedule a Consultation – If you are not an AIO Financial client, schedule a free meeting to discuss your estate planning needs and our services at: https://go.oncehub.com/aioconsultation . Existing Clients Receive Free Access – If you are already an AIO client, AIO Financial provides estate planning documents for you and your family at no additional fee. Let us know, and we will set up an account for you and give you access to the portal. Customize Your Documents – Answer a few simple questions, and the platform will generate state-specific legal documents tailored to your situation. You can customize your estate plan as much as you want, including releasing funds to your children at specified ages to ensure they receive their inheritance in a structured manner. Organize Critical Information – Having an estate plan is only effective if the right people know where to find it. Make sure a trusted person or executor knows: Where your estate planning documents (will, trust, power of attorney) are stored. How to access your financial accounts, including passwords and account details. The location of keys to your home, safe deposit boxes, and other secure storage. Who to contact, including attorneys, financial advisors, and key family members. Download and Sign – Once completed, print and sign your documents with the necessary witnesses or notarization. Review and Update Regularly – Estate planning is not a one-time task; we encourage clients to review and update their plans periodically. Secure Your Legacy Today At AIO Financial, we believe that estate planning should be accessible, straightforward, and stress-free . By offering free estate planning documents , we help our clients take control of their financial future and protect their loved ones. Whether you’re just starting out or need to update an existing plan, we are here to guide you every step of the way. Take the first step today! Contact AIO Financial to learn more about our free estate planning services and start building your estate plan with confidence. Transcript I’m Bill Holiday with AIO Financial I want to just go through a state planning a little bit and tell you a new service that we’re offering at AIO Financial so why should you care about a state planning when you just wanna make sure your beneficiaries are all correct and your assets so if you can putting a beneficiary on your house your deed or have it in a trust accounts make sure they have beneficiaries that are correct not some expouser just make sure they’re correct in meeting your goals you also may wanna avoid probate in some states probate is pretty expensive and time intensive so having assets in a trust or just having beneficiaries on all your accounts and on your real estate can help you avoid probate uh you wanna minimize taxes I guess planning for the unexpected make sure everything’s set up make sure if something happens to one partner or if you’re single just if something happens to you someone knows where passwords are where documents are where keys are so that they could take care of things that need to be taken care of we offer this new service it’s through a stately but they will generate your estate planning documents so we’re offering this free for our clients and family of clients so kids family within your family for our clients they will generate wills trust financial powers of attorney healthcare powers of attorney living will or advance directive which is if you’re in a terminal condition what do you want to happen if there are more complex trust issues they can help with that even the wills they can give you some it’s not just straightforward it goes to the kids you can have well goes to the kids at this age or this percentage goes at this age and this percentage goes at a different age so they have some it’s not super trivial estate planning documents you can also cover a pad I’ll run through some of this additional services deed transfer so if you set up a trust they’ll take care of deed transfer it’s a fee of 1:50 and if you want an attorney to do the whole thing they have attorneys in all 50 states and they’ll do what the attorney will do it you’ll have meetings and they’ll take care of it will be involved with the meetings as well so that we can make sure to communicate uh everything that we’ve discussed and make sure it’s meeting your needs uh but it’s free if you just do your own documents and just go through the questionnaire um so how to get started if you can set up a free consultation with us if you’re already a client we’ll discuss it at our meetings if you’re not a client it’s just a service if you wanna be a client it’s an extra service we offer we’re fee only financial planning advisers we deal with asset management we deal with investment management retirement planning tax planning estate planning and insurance review we’re fee only we don’t sell any products we don’t get any commissions we’re only compensated by our clients so you get free access if you’re a client for you and your family customize the state plan you enter in all your information it generates documents you just sign you need to notarize you may need a witness depending on your state and you have the documents scan and send us a copy as well or not scan you’ll be able to download well we want to sign copies so scan and send us a copy will keep them on file as well and review them with you we can also help you step through the questionnaire process so it’s really easy you choose a plan fill out information online print and sign I’ll go through it so you receive an email just let us know if it’s for you and a spouse or a partner if it’s for you and kids or whoever wants account set up just let us know they send you an email this is the email I got we can log in please set up the account this more just gives a summary prepare documents track download so for us we can see where you are in the process from the email it’ll ask you to fill out information about you and then if you do have a partner you and your partner you get to decide if you wanna do it yourself or if you wanna have an attorney do it and so attorney will take care of it flat fee or if you have questions or want more support otherwise you just go through the questionnaires so I went to the questionnaires you can choose if you want trust or will for some custom plan these are the two basic ones we see they do have a quiz if you’re not sure you can I went through this to see if a trust or will make sense the questions include give property in multiple states do you mind putting accounts in and real estate into the trust cause if the trust isn’t the owner of the assets it’s pretty useless if there’s some complexity with kids or they have a few questions just to guide you a little and then this is the process you just go through the questionnaires I went through them so do you have kids if you do have kids what are their ages do you need guardians anything about pets who should inherit assets you can do primary and then if something happens let’s say your spouse is your primary but if they die first or at the same time then where does it go I could go to kids it could go to charities it could go wherever you want even it could go wherever you want do you want specific gifts of specific items like a watch or a painting you can itemize things if you have goals or where you want them to end up whether it’s charity or people or whatever it is funeral wishes they go through executors who do you want to be the primary prior partner spouse and then who would be back up and it can be an organization it can be someone else a cousin nephew was whatever works for you and you can add multiple levels of of people if do you need wanna trust for children so do you have beneficiaries that are gonna be younger and might not want all these assets at the same time and they allow you to set that up so you can set up release of funds at certain ages if that makes sense and put someone in charge as a trustee in charge of those assets and distributing them as needed that’s basically it of course you can add more complexity but that’s the basic structure of it so you’re saying secure your legacy it it’s nice to just have done no one likes to think about it no one likes paying for it so we decide to offer this just to make sure clients get it done we’ve also seen people drag their feet and making changes so they have something it’s out of date and this will be an easy way I think for our clients to be able to update their state plan documents like them up to date so if you are a client let us know we’ll discuss this at our next meetings if you’re not a client feel free to set up a meeting in addition to our other services this is something new we’re offering all right thanks a lot take care bye The post Estate Planning Made Simple: Protect Your Legacy appeared first on AIO Financial - Fee Only Financial Advisors .…

Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

1
The Impact of Elections on Investments: Navigating Stock Market Fluctuations with Diversification and Smart Sector Choices 25:09

منذ 26 weeks25:09

25:09

Elections wield significant influence over financial markets, creating a mix of volatility and opportunity for investors. From shifting policies to economic reforms, the effects ripple across sectors, altering interest rates, currency values, and overall investor sentiment. While short-term uncertainties can disrupt the market, long-term strategies like diversification and sector-specific investments remain reliable approaches to weather the storm. Schedule a free meeting This comprehensive guide explores how elections shape the stock market, sectors poised to benefit or struggle, and how Socially Responsible Investing (SRI) provides an ethical and profitable investment pathway. How Elections Influence the Stock Market The Impact of Political Uncertainty on Market Volatility Elections, particularly U.S. presidential races, are synonymous with market volatility. Investors speculate on potential shifts in fiscal and regulatory policies, leading to heightened activity in the months leading up to Election Day. Historical data shows this trend, with increased fluctuations as markets react to polling data, debates, and policy announcements. However, it’s not merely about party politics—markets respond to anticipated economic impacts, such as tax reform or trade agreements. This heightened uncertainty can present risks but also opportunities for savvy investors. Sector Rotation Based on Policy Expectations Markets often “price in” anticipated outcomes based on campaign promises. For example: Pro-business agendas with tax cuts may favor industrial and financial sectors. Environmental reforms might bolster renewable energy industries but challenge fossil fuel companies. Regardless of predictions, results often defy expectations, requiring diversified strategies to mitigate sector-specific risks. The Bond Market’s Reaction to Fiscal Policy Fiscal policies—like increased spending—often lead to higher deficits, sparking inflation concerns. Rising inflation typically drives up bond yields, affecting their prices. Inflation-protected securities, such as Treasury Inflation-Protected Securities (TIPS), can hedge these risks. Case Study: Trump’s Energy Sector Surprises Former President Trump’s term highlights unpredictability. Despite policies favoring fossil fuels, the energy sector underperformed due to declining oil prices, a global renewable energy shift, and the pandemic’s economic toll. This underscores the importance of resilience over speculation. Schedule a free meeting SRI Performance in Election Cycles SRI funds focus on ESG principles, often delivering competitive returns while aligning investments with ethical values. They favor sectors like renewable energy, technology, and, increasingly, nuclear energy. Conclusion Elections undoubtedly influence investments, but reactionary moves can be counterproductive. By focusing on diversification, sector fundamentals, and long-term goals, investors can navigate the uncertainties of election cycles. Socially Responsible Investing (SRI) offers an ethical, high-performing alternative, while strategies like rebalancing and currency hedging further reduce risks. Schedule a free meeting The post The Impact of Elections on Investments: Navigating Stock Market Fluctuations with Diversification and Smart Sector Choices appeared first on AIO Financial - Fee Only Financial Advisors .…

Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

1
Why Tucson is the Ideal Place to Live for Financial and Lifestyle Success 17:11

منذ 27 weeks17:11

17:11

Pioneering a Balanced Life Why Tucson is the Ideal Place to Live for Financial and Lifestyle Success Tucson, Arizona, emerges as a premier choice for individuals aiming for a harmonious blend of financial stability and enriching lifestyle. Schedule a free meeting Known for its affordability, cultural vibrancy, and scenic beauty, Tucson not only accommodates but enhances the quality of life. Here’s how settling in Tucson can lead to a financially wise and fulfilling existence, especially beneficial when partnered with a fee-only comprehensive financial planning firm. Why Tucson is Ideal Affordable Cost of Living: Amplify Your Financial Goals Tucson’s cost-effectiveness stands out as a beacon for potential homeowners. The city’s lower-than-average housing costs enable a luxurious lifestyle minus the financial burden typical of larger metropolitan areas. For a comprehensive financial planner, this translates into assisting clients to divert more funds towards crucial financial milestones like retirement savings, debt reduction, or educational investments. Tucson’s living affordability grants its residents the liberty to allocate finances more generously towards long-term wealth accumulation. Favorable Tax Environment: Optimize Your Financial Resources Arizona’s moderate tax regime is a boon for Tucson residents, particularly appealing due to its mild property tax and reasonable income tax rates. This fiscal environment is particularly lucrative for retirees, thanks to the state’s benevolent policies on retirement income, including non-taxation of Social Security benefits. Engaging with a financial planner here ensures that more of your retirement fund is preserved, enhancing spending power in later years. Idyllic Climate: Year-Round Sun Encourages an Active Lifestyle Boasting over 300 sunny days a year, Tucson invites its inhabitants to revel in continuous pleasant weather, promoting an active, outdoor-centric lifestyle. This climate mitigates healthcare expenses as active residents tend to maintain better health. Financial planning in such a setting includes leveraging the weather for a reduced long-term medical cost, thereby securing financial stability. Proximity to Mexico: Cultural and Economic Advantages Tucson’s strategic position, just over an hour from the U.S.-Mexico border, opens a corridor of cultural and economic opportunities. For professionals and entrepreneurs, this proximity to the border is a strategic advantage, enhancing Tucson’s appeal as a business and cultural hub. Robust Job Market: A Springboard for Professional and Financial Growth Home to thriving aerospace, healthcare, education, and technology sectors, Tucson’s job market promises stability and prosperity. Top employers like Raytheon and the University of Arizona provide abundant career opportunities, fostering economic growth and job security. Schedule a free meeting Leading the Way in Sustainable Living Tucson: A Beacon of Financial and Lifestyle Success Join the Movement Discover how Tucson can be your stage for a successful and balanced life. Visit our official website to learn more about Tucson’s unique offerings and how our specialized financial planning services at AIO Financial can help you harness these opportunities for a prosperous future. Engage with us to create a comprehensive financial strategy that turns Tucson’s potential into your success. Schedule a free meeting The post Why Tucson is the Ideal Place to Live for Financial and Lifestyle Success appeared first on AIO Financial - Fee Only Financial Advisors .…

Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

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Navigating the Complexities of Caring for Elderly Parents: A Balanced Approach 22:35

منذ 32 weeks22:35

22:35

Navigating the Complexities of Caring for Elderly Parents A Balanced Approach Caring for elderly parents is both emotional and challenging, requiring careful planning, financial management, and tough decisions. My experience caring for my mother has shown me that with preparation and resilience, you can balance their needs with your own. Schedule a free meeting Caring for Elderly Parents Taking care of elderly parents is no small feat. It’s a responsibility that demands not only emotional strength but also substantial financial and logistical planning. Over time, the needs of aging parents can evolve—simple assistance with daily tasks might turn into managing complex medical issues or finding suitable long-term care solutions. While providing care for our loved ones is often an act of love and respect, it can also be exhausting, both emotionally and financially. Many caregivers find themselves overwhelmed with managing appointments, medication, personal care, and even the emotional needs of their parents, all while balancing their own families and careers. Schedule a free meeting One of the most challenging aspects of elder care is coping with the emotional toll it can take. The Emotional Impact of Caring for Aging Parents Watching a parent age can bring up a whirlwind of emotions—sadness, guilt, frustration, and even a sense of helplessness. You might struggle with feelings of loss as your once-independent parent becomes increasingly reliant on your care. In my case, it’s been an emotionally exhausting journey. I’ve had to learn to manage my feelings of guilt when I can’t always be there for my mother due to work or family commitments. And yet, it’s important to remember that caring for your parents doesn’t mean sacrificing your own well-being. In addition to the emotional challenges, caregiving for elderly parents can bring a significant financial burden. The Financial Burden of Elder Care According to studies, the costs associated with elder care, especially in the U.S., can be overwhelming. Medical expenses, home care services, and potential long-term care facilities all add up quickly. Many families find themselves facing the difficult choice of whether to provide care themselves or seek professional help, both of which come with financial and emotional trade-offs. Understanding the financial implications early on can help you make informed decisions that benefit both your parents and yourself. Comprehensive Financial Planning for Elderly Parents One of the most important things you can do when it comes to caring for aging parents is to create a detailed financial plan. Without a proper strategy in place, you could find yourself in a situation where you’re scrambling to cover unexpected costs, or worse, risking your own financial stability. A well-thought-out financial plan for elder care covers healthcare costs, long-term care options, and legal considerations such as estate planning. Ensuring that you understand both your parents’ financial situation and your own will allow you to navigate the complexities of elder care with confidence. Assessing Your Parents' Financial Health The first step to take is getting a full picture of your parents’ financial standing. This includes their income sources—whether through pensions, retirement funds, or Social Security—and their expenses. Understanding their medical expenses, debts, and monthly living costs will provide a clear sense of their financial capacity for healthcare and living arrangements. Planning for Healthcare Costs Healthcare is often the largest financial burden for families caring for elderly parents. Whether it’s managing regular doctor visits or planning for long-term care, the costs can escalate quickly. In the U.S., healthcare costs are notably high, especially when it comes to specialized or extended care. However, one potential solution to ease this burden is to explore international healthcare options. For example, some families have found that receiving medical care in countries like Mexico, specifically in areas like Ajijic, provides high-quality, affordable care. My own family benefited from this option, as it allowed us to access excellent care without draining our financial resources. By thinking outside the box and researching more cost-effective options, you can ensure your parents receive the care they need without risking financial ruin. Legal Considerations and Estate Planning When taking care of elderly parents, legal matters must be addressed sooner rather than later. Updating legal documents such as wills, powers of attorney, and healthcare directives ensures that your parents’ wishes are honored if they can no longer communicate them. Establishing a trust can help manage their assets efficiently and shield them from unnecessary tax burdens. Additionally, setting up durable powers of attorney for both finances and health care will allow you or other trusted family members to make decisions on their behalf when the time comes. Maximizing Available Benefits Many caregivers overlook government resources, which can significantly offset the cost of elder care. Programs like Medicare and Medicaid can provide essential financial support. Veterans and their families may also be eligible for additional benefits through the Department of Veterans Affairs, and community-based services can further reduce the strain of caregiving. It’s critical to familiarize yourself with these options and maximize the resources available to your family. Doing so can ease the financial load and provide more comprehensive care for your loved one. Balancing Your Own Financial Health As much as caring for an elderly parent is a priority, you must not neglect your own financial well-being. It’s easy to fall into the trap of paying for everything out of pocket, which can quickly jeopardize your savings and retirement plans. Building a financial plan that includes your parents’ care while still maintaining your own financial health is crucial. Consider meeting with a financial advisor to create a balanced approach that addresses your needs as well as those of your parents. This step is particularly important if you have children of your own to support, as you don’t want to compromise their future while caring for your parents. Schedule a free meeting Finding Emotional Balance and Support Balancing elder care with your daily life is an ongoing process. Juggling work, your children, and your parents’ care can feel overwhelming at times. It’s easy to burn out if you don’t have the right support system in place. Asking for Help It’s important to remember that you don’t have to do it all on your own. Delegating responsibilities to other family members, hiring professional caregivers, or even reaching out to community resources can lighten the load. In my case, working together with my siblings and dividing up responsibilities has helped us manage my mother’s care while also allowing us to maintain our own personal and professional lives. Managing Stress through Self-Care Self-care is an essential part of the caregiving process, even if it’s often overlooked. It’s easy to neglect your own health when you’re focused on caring for someone else, but in the long run, this approach can lead to burnout. Making time for simple things like exercise, hobbies, and relaxation can help maintain your mental and physical well-being. By keeping your own health a priority, you’ll be in a better position to provide care for your parents. You cannot pour from an empty cup, and neglecting your needs will only make it harder to manage the demands of caregiving in the long term. Conclusion Caring for elderly parents is a deeply personal journey, one filled with emotional highs and lows. While the responsibility can be overwhelming, with careful planning, financial preparation, and the right support, it’s possible to navigate this chapter of life without losing sight of your own needs. From understanding your parents’ financial situation to exploring alternative healthcare options and managing the emotional toll of caregiving, there are numerous strategies that can help you maintain balance and provide the best care for your loved ones. With a comprehensive plan in place, you can ensure your parents’ needs are met while preserving your own financial and emotional health. Schedule a free meeting FAQs How do I start planning for my elderly parent's care? Begin by assessing their financial situation, healthcare needs, and legal documents. Have conversations about their care preferences and research available options for healthcare and long-term care. What if I can't afford my parent's care? Explore government programs like Medicare, Medicaid, or veterans’ benefits. Community services may also offer assistance. Additionally, consider alternative healthcare options, such as receiving care in other countries where costs may be lower. How can I manage the emotional stress of caregiving? Seek help from family members, community resources, or professional caregivers. Prioritize your own self-care by making time for activities that help reduce stress, such as exercise, mindfulness, or hobbies. Should I consider international healthcare for my elderly parents? Yes, international healthcare options can be an affordable alternative to expensive U.S. medical costs. Countries like Mexico offer excellent care at a fraction of the cost. What legal documents should I have in place for my elderly parent? Ensure that they have a will, powers of attorney for finances and healthcare, and a healthcare directive. Consider setting up a trust to manage their assets. How do I balance my own financial needs with my parents' care? Create a financial plan that considers both your parents’ needs and your own. Consulting with a financial advisor can help you achieve a balance between caregiving responsibilities and your financial future. Schedule a free meeting Helpful Resources Financial Planning Links Family Financial Planning for Elder Care Retirement Planning Strategies Tax Planning for Caregivers Estate Planning Essentials Investment Management Tips Sustainable and Responsible Investing Healthcare Options Links Medicare Benefits and Eligibility Veterans Affairs Healthcare Programs Ajijic, Mexico Healthcare Options Alternative Healthcare Solutions International Healthcare for Seniors Managing Healthcare Costs Emotional Support Links Managing Emotional Stress in Caregivers Community Resources for Caregivers Self-Care Strategies for Caregivers Family Support Systems Hiring Professional Caregivers Stress Management Techniques Get Expert Financial Advice Are you struggling to balance your financial health while caring for an elderly parent? Consult with AIO Financial for personalized financial planning services. Our experts can help you create a comprehensive plan that addresses both your needs and those of your loved ones. Schedule a consultation today to take the first step towards financial peace of mind. Schedule a free meeting The post Navigating the Complexities of Caring for Elderly Parents: A Balanced Approach appeared first on AIO Financial - Fee Only Financial Advisors .…

Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

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Financial Planning for High Net Worth Individuals 10:18

منذ 33 weeks10:18

10:18

Empowering Your Financial Future Financial Planners for High Net Worth Individuals High-net-worth individuals (HNWIs) require more complex and tailored financial strategies to manage their wealth effectively. With investable assets of $1 million or more, HNWIs often face unique financial challenges, from tax minimization to complex estate planning. Financial planners specializing in this niche must address these complexities to ensure wealth is not only preserved but also continues to grow across generations. By utilizing strategies that span investment diversification, risk management, and charitable giving, financial planners play a pivotal role in securing the financial future of HNWIs. Schedule a free meeting Schedule a free meeting Who Are High Net Worth Individuals? High-net-worth individuals (HNWIs) are typically categorized based on their liquid investable assets. Here’s a breakdown of the general categories: High Net Worth Individuals (HNWIs) : Individuals with at least $1 million in investable assets. Very High Net Worth Individuals (V-HNWIs) : Those with $5 million or more in investable assets. Ultra High Net Worth Individuals (U-HNWIs) : Those with over $30 million in investable assets. Each category requires distinct financial planning strategies, particularly as wealth increases. The more complex a financial profile becomes, the more critical it is to engage a professional financial planner with expertise in handling substantial assets. Why Financial Planners Are Essential for HNWIs For HNWIs, the stakes are higher when it comes to managing wealth. Traditional financial advice may no longer suffice once a certain level of assets is reached. As wealth grows, so too does the complexity of managing taxes, investments, and succession planning. The role of a financial planner is to provide a customized approach that addresses the specific needs of HNWIs. Key areas include: Minimizing tax liabilities to ensure that a larger portion of income is preserved. Investment diversification to reduce risk while maximizing returns. Estate planning to ensure that wealth is passed on to future generations efficiently. Charitable giving strategies to reduce tax burdens while supporting meaningful causes. Thematic Investing Align Your Portfolio with Your Values Schedule a free meeting  Tax Minimization for High Net Worth Individuals For HNWIs, minimizing taxes is key to wealth preservation. With high-income brackets and complex tax scenarios, strategic planning can reduce liabilities and enhance wealth retention.  Tax-Deferred Accounts HNWIs should continue maximizing tax-deferred accounts like 401(k)s and explore advanced options such as deferred compensation plans or cash balance pension plans for higher contributions.  Charitable Giving Charitable vehicles like Donor-Advised Funds (DAFs) and Charitable Remainder Trusts (CRTs) provide immediate tax deductions and long-term philanthropic benefits, offering personal fulfillment and tax advantages.  Estate Planning Effective estate planning with tools like Dynasty Trusts, GRATs, and ILITs helps HNWIs transfer wealth across generations while minimizing taxes, preserving family assets, and ensuring financial security. Our Core Services At AIO Financial, we offer a range of services designed to help you achieve your financial goals while aligning with your values. Explore our key services below: 01 Investment Management 02 Retirement Planning 03 Tax Planning 04 Estate Planning 05 Insurane Review Schedule a free meeting Empowering Financial Decisions FAQs What qualifies as a high-net-worth individual (HNWI)? HNWI typically refers to individuals with at least $1 million in liquid, investable assets. Why do high-net-worth individuals need specialized financial planners? Due to the complexity of their financial situations, HNWIs require advanced strategies for tax minimization, estate planning, and investment diversification. How can tax-loss harvesting benefit HNWIs? Tax-loss harvesting allows investors to sell underperforming assets to offset gains from other investments, reducing taxable income. What is a dynasty trust, and how does it benefit U-HNWIs? A dynasty trust allows wealth to pass across generations without being subject to estate taxes, ensuring long-term wealth preservation. How can charitable giving reduce tax burdens for high-net-worth individuals? Vehicles like Donor-Advised Funds (DAFs) and Charitable Remainder Trusts (CRTs) allow HNWIs to donate appreciated assets, receive immediate tax deductions, and avoid capital gains taxes. What is the role of a family office in managing U-HNWI wealth? Family offices provide personalized wealth management services, including investment management, tax planning, and estate planning, ensuring that all aspects of a U-HNWI’s wealth are efficiently managed. Schedule a free meeting Conclusion: A Strategic Approach to Wealth Management Financial planning for high-net-worth individuals is a dynamic and multi-faceted process. As the complexity of managing wealth grows with the size of the assets, specialized strategies become essential for preserving wealth, minimizing taxes, and ensuring that wealth is passed on to future generations in a structured, tax-efficient manner. Through personalized financial advice, sophisticated investment strategies, and well-structured estate plans, financial planners help HNWIs achieve their financial goals while securing a legacy for their heirs. Contact Us Today The post Financial Planning for High Net Worth Individuals appeared first on AIO Financial - Fee Only Financial Advisors .…

Values Investors Podcast | Socially Responsible Investing, ESG, Ethical, Impact, Sustainable Investments

1
Transforming Companies with Engine No. 1 ETFs 22:52

منذ 45 weeks22:52

22:52

Driving Sustainable Change Transforming Investment Strategies for a Greener Future At Engine No. 1, we believe in the power of active ownership to drive meaningful change. Our investment strategies are designed to improve governance, optimize capital allocation, and foster long-term sustainability. Learn More Strategic Engagements Our Approach to Governance Engine No. 1’s approach to engagements is highly strategic and focused. We aim to enhance governance structures, optimize capital allocation, and encourage companies to develop long-term strategies that support a lower carbon footprint. This method sets us apart from traditional divestment strategies, as we believe in driving change from within. Our campaign at ExxonMobil exemplifies our commitment to improving governance and pushing for sustainable practices. By engaging directly with the company, we strive to create a more responsible and forward-thinking corporate strategy. We focus on transparency and accountability, ensuring that the companies we invest in are held to the highest standards. Our goal is to create long-term shareholder value while addressing critical environmental and social issues. Active Ownership A Catalyst for Sustainable Investment Active ownership is at the core of Engine No. 1’s investment strategy. We engage deeply with the companies we invest in, advocating for improvements in governance, strategic direction, and environmental impact. This hands-on approach allows us to influence positive change and drive sustainable growth. Our ETFs, such as Vote and Net Zero, leverage our voting power to support environmental and social shareholder proposals. By focusing on active ownership, we aim to create a ripple effect that encourages the largest companies in the U.S. to adopt more sustainable practices. The Power of Collaborative Engagement Collaborative engagement with other investors and stakeholders is essential for driving meaningful change. Building consensus and working across the ecosystem allows for a more unified and effective approach to influencing corporate behavior. By joining forces, investors can amplify their impact, ensuring that companies are held accountable for their governance, strategy, and environmental practices. This collective effort is crucial for achieving long-term, sustainable improvements in the corporate world. At Engine No. 1, we believe that collaboration is key to our success. Our strategy involves working closely with other investors to push for better governance and more sustainable business practices. This approach not only strengthens our position but also fosters a culture of accountability and transparency within the companies we engage with. Together, we can drive significant change and promote a more sustainable future. ETFs with a Purpose Vote and Net Zero: Driving Change in Sustainable Investing The Future of Sustainable Investing Pioneering a New Approach with Engine No. 1 The future of sustainable investing is being reshaped by innovative approaches that prioritize active ownership and engagement. Engine No. 1 is at the forefront of this movement, pioneering strategies that link environmental and social issues to shareholder value. By focusing on the largest companies and driving change from within, Engine No. 1 aims to create long-term value while addressing critical global challenges. Investors have a unique opportunity to make a significant impact on the world’s largest companies through Engine No. 1’s approach. By engaging deeply with these companies, pushing for improvements in governance, strategy, and environmental impact, investors can help shape a more sustainable future. The potential for meaningful change is immense, and Engine No. 1’s ETFs offer a compelling way for investors to be part of this transformative journey. As the landscape of sustainable investing continues to evolve, Engine No. 1’s pioneering strategies highlight the power of active ownership in driving positive, long-term outcomes. Frequently Asked Questions Find answers to common questions about Engine No. 1 and their innovative approach to sustainable investing. What is Engine No. 1? Engine No. 1 is an investment firm focused on linking environmental and social issues to shareholder value through active ownership and engagement. Who founded Engine No. 1? Engine No. 1 was founded by Chris James, who envisioned a new approach to sustainable investing. What are the main goals of Engine No. 1? The main goals include improving governance, capital allocation, and pushing companies to develop long-term strategies for a lower carbon footprint. What is the Vote ETF? The Vote ETF is a low-cost market cap strategy that tracks the largest 500 companies in the U.S. and focuses on active ownership and engagement. What is the Net Zero ETF? The Net Zero ETF is a high-conviction strategy investing in companies driving and benefiting from the energy transition, focusing on the largest emitters. How does Engine No. 1 engage with companies? Engine No. 1 engages deeply with companies through targeted, specific engagements, pushing for improvements in governance, strategy, and environmental impact. Our Impact Pioneering Sustainable Investing Learn More Engine No. 1 is reshaping the landscape of sustainable investing with its unique approach to active ownership and engagement. By focusing on the largest emitters and driving change from within, they aim to create long-term shareholder value while addressing critical environmental and social issues. For investors looking to make a meaningful impact, Engine No. 1’s ETFs offer a compelling option. To learn more, visit their website and explore how you can be part of this transformative journey. Join the Movement Discover how Engine No. 1 is transforming the world of sustainable investing. Visit their official website to learn more about their innovative strategies and how you can contribute to driving meaningful change. Visit Engine No. 1 The post Transforming Companies with Engine No. 1 ETFs appeared first on AIO Financial - Fee Only Financial Advisors .…

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