Wealth Perspectives Newsletter

This semi-annual client newsletter is your guide to general investment news, wealth and estate planning articles, and much more.

Recession_Graphic 2022
Are We Heading into a Recession, or Not?
Are we there yet? Oh, the familiar refrain that many parents endure this time of year while traveling. It is by now the familiar refrain that economists and investors are enduring daily.
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CTC_Estate Planning Landowners_2022
Estate Planning for Landowners
When a family owns land, it can mean many things to different members of the family. Working with a team of professionals to plan for your estate is an important decision to reach the desired outcome for your legacy property.
Read More
SOS_Video Graphic
The Importance of a Second Opinion
Anything that could affect a family or individual financial situation today, or in the future, brings with it the need to reevaluate where you are today, where you would like to be and if you are track to get there.
Read More
CV Q2 2022
The Central View Q2 2022
Each quarter, our investment team provides details on the market and economy, bringing you the latest insights in an easy to follow video.
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WomenDecisionMakers_Graphic
Woman and Their Role as Financial Decision Makers
Women are a large part of the workforce. They are often times directly involved in their households’ investment and financial decisions.
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Tax Update Graphic_05-2022
Tax Update: Considering a Roth conversion? Now might be your chance.
Given the recent volatility in the stock market, now might be a good time to consider a taxable Roth conversion.
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Benefits of FPS_Graphic 2022
Five Basic Benefits of Financial Planning
There is more to financial planning than setting some goals and pinching some pennies. Here are five basic benefits that may come from working with a financial planner on an organized financial plan.
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Second Home Graphic
Second Homes & Tax Implications
Many people dream of having a place family can gather for vacation or a second home to spend winters once retired. Before making that purchase, there may be tax implications to consider.
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Probate Article_Graphic
Probate Avoidance and the Revocable Living Trust
Probate can be public, time consuming, and expensive. But, it can also be easily avoided when the proper steps are taken.
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Crypto_Graphic
Cryptocurrency: Fad or Future?
There has been a lot of discussion over the past several years regarding cryptocurrency. If you feel like the whole idea of cryptocurrency is hard to understand, you are not alone.
Read More
What is a GRAT_Graphic
Tax and Estate Strategies: What is a GRAT and Do You Need One?
While Grantor Retained Annuity Trusts (GRAT) can seem complex to some, they can really be simple when broken down. Because GRATs have the potential to provide significant tax benefits when interest rates are low, today’s interest rate environment may provide a good opportunity.
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What If Something Happens To You
What If Something Happens To You Tomorrow?
Incapacity can befall anyone at any time. The best way to protect your family and assets in the event that disability strikes is to take the necessary steps when there is no doubt that you are fully capable of acting on your own behalf.
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The Impact of Inflation on Your Cash and Investments
Many of us understand and recognize inflation. What we don’t know is how high it will go or how long it will last.
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How Much Will Retirement Cost_Graphic 2022
How Much Will Retirement Cost You?
One of the biggest questions we hear from clients is, “What kind of retirement lifestyle can I afford?” It’s not easy to forecast living expenses for next year, let alone to project the cost of a retirement period of 30 plus years.
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Health and Wealth_Graphic 2022
Health & Wealth in the New Year
It’s been said that health has more of an impact on our happiness than anything else. Some say financial contentment follows close behind, which makes the beginning of the year a perfect time to look at how we can improve our financial well-being.
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Opportunity Among Crisis Graphic
Financial Planning: Opportunity Among Crisis
At Central Trust Company, we use Monte Carlo Simulation to model a variety of outcomes— including all the events taking place this year.
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Risk Tolerance_Graphic
Risk Tolerance: Choosing Between “Eating Well” or “Sleeping Well”
Investing is, and will always be, a balancing act between “eating well" and "sleeping well”.
Read More
iStock-973096458
Business Owner Survival Guide
When contemplating an outright business sale to an outside entity, the first or foundational level of planning should be contingency planning.
Read More
Turn on a Dime_Graphic
Things Can Turn on a Dime
As investors we all know things can turn on a dime. Take time to explore programs available to help you, your family, or friends when health or fortunes have changed direction.
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GROUP PHOTO_BF_2021
Ball Foundation Awards | 2021 Grant Recipients
The Stanley & Elaine Ball Foundation, managed by Central Trust Company, is happy to announce the 2021 local, non-profit grant recipients.
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Central View Q3 2021
The Central View Q3 2021

by Greg Berg, CFA, CAIA, MBA, Senior Vice President & Senior Portfolio Manager INVESTMENT OUTLOOK Global…

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AATO_ChildrenMoney
Ask a Trust Officer – Children & Money
Regardless of the age of your children, the first step in educating them about finances is communicating what money means to you.
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Virtual Currency-Tax Tip
Tax Tip of the Day: Spending Virtual Currency
Every time virtual currency is “spent” on goods & services, a taxable transaction has occurred that needs to be reported on your tax return!
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Family Planning
The SECURE Act & Your Estate Plan
The rules regarding withdrawals from inherited IRAs dramatically changed for IRA beneficiaries with the SECURE Act, passed just before 2020.
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Can a Trust Protect Your Child's Inheritance_Thumbnail
Can a Trust Protect Your Child’s Inheritance?
A common estate plan might provide that upon your death, your assets will be distributed to your children. While that has the benefit of being simple, there can be risks.
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Estate Planning Report
Estate Planning Report – May/June 2021
Our May/June 2021 Estate Planning Report is now available! Included is the feature article "DAF Notes". Also featured are Cases & Rulings and Washington Talk, a discussion of hot topics in the nation's capital.
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The Central View Q1 2021 Thumbnail
The Central View Q1 2021
Join our investment team for a look at our insights into the markets and the economy for the first quarter of 2021.
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Do Your Need to Revisit Your Estate Plan?
Is it Time to Revisit Your Estate Plan?
When was the last time you reviewed your estate plan? If you haven’t reviewed your plan since the day you originally signed documents at your attorney’s office, you’re not alone.
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Estate Planning for Digital Assets_Graphic
Estate Planning for Digital Assets
In today’s digital world, almost everyone has online accounts. Have you thought about what will happen to these assets when you're gone?
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Planning for RMDs Desk Set Up
Planning for RMDs in 2021
Amid a great deal of uncertainty in 2020 due to the ongoing coronavirus pandemic, we find ourselves once again navigating uncertain waters as it relates to tax planning for tax year 2021.
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Children and Inheritance
Talking to Children About Inheritance
You’ve worked hard to accumulate an estate that you hope to pass onto your children, but have you talked to them about it?
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Tax Season Checklist_Thumbnail
2021 Tax Season Checklist
To prepare for tax filing season, there are several things you should take into consideration.
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Couple Reviewing Finances
Uncertainty vs. Certainty of Death and Taxes
When uncertainty is all around, proactive steps you take help mitigate your personal financial risk and the uncertainties of life and the certainty of death and taxes.
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Desktop calendar 2020
2020: The World Reshaped
From millions of jobs lost, political division, civil unrest, and market swings, to remote work and school. These events have reshaped our world.
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Tax Banner
2020 Year-End Tax Planning Considerations & A Look Towards the Future

By Kristin Carter, CPA – Vice President, Tax Officer As this challenging and unprecedented year…

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Do You Need a Financial Plan
Do You Need a Second Opinion?
Navigating the financial industry can be daunting. More so for someone that may not have experience in the industry or be aware of the multiple service delivery models that are available.
Read More
Ball Foundation 2020_Graphic
Ball Foundation Awards 2020 Grant Recipients
The Stanley & Elaine Ball Foundation, managed by Central Trust Company, is happy to announce the 2020 local, non-profit grant recipients.
Read More
Variable Annuities Graphic
Variable Annuities: How Do They Work and What Do They Cost?
Variable annuities can be difficult for clients, and even some financial professionals, to fully understand.
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Advisor Shaking Hand
Questions to Ask Your Advisor
With so many changes in the financial markets, it’s a good time to evaluate your investments.
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The Central View Q3 2020_Thumbnail
The Central View Q3 2020
In the latest edition of The Central View, our investment team dives into their thoughts on the economy, valuations, the upcoming election and our portfolio positioning as we navigate through Q3 2020.
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Business Father and Son
Financial Planning for Business Owners
To us, financial planning is not an event. It is an exercise that helps capture a consolidated, global review of your financial situation leading to the creation of a living document.
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CVQ2_Title Page
The Central View Q2 2020
Join our investment team for look at this quarter's insights into the markets and the economy.
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Legal Meeting
COVID-19 Legislative Relief: Tax Implications for Businesses
Several emergency legislative measures have been enacted to help alleviate the personal and financial distress facing businesses and non-profits across the United States.
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Tax Law Legal
COVID-19 LEGISLATIVE RELIEF: Tax Implications for Individuals
Several emergency legislative measures have been enacted to help alleviate the personal and financial distress facing individuals across the United States.
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Elderly Couple
SECURE Act: New Challenges & Planning Opportunities
The SECURE Act was intended to expand opportunities for taxpayers to save for retirement and to simplify administration for retirement accounts. It has resulted in unique challenges and planning opportunities in the estate planning arena.
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The Central View_Q1 2020_Graphic
The Central View Q1 2020
Join our investment team for a look at this quarter's insights into the markets and the economy.
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Hand of Businessman
Financial Planning in the Year of Uncertainty
Here are some actionable ideas to coordinate your investment decisions with income tax strategies on your road to retirement.
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Photo of Lottery Winners
Managing Newly Acquired Wealth
While your chance of winning the lottery is extremely small, the challenges associated with managing a large influx of money are actually quite common.
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CV_Q4_Cover Image
The Central View Q4 2019
Join our investment team for a look at this quarter's insights into the markets and the economy.
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Financial Growth, Plant on pile coins with cityscape background
Investing in the Modern World
Wealth will soon be passed on to the next generation. With wealth and the management of that wealth in transition, so are the drivers behind investment decisions.
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Positive old couple meeting with their insurance agent
Trust Services Beyond the Investment Realm
What’s unique about working with Central Trust Company is that we can advise you about our many service offerings outside of just the investment realm.
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retirement-tax-trap
Ask A Trust Officer – Residency Tax Trap
Regardless of the age of your children it is important to educate them about money and the concepts of earning, spending, saving, investing, and giving.
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Business growth, progress or success concept. Businessman is drawing a growing virtual hologram stock bar chart on dark blue background.
The Implication of “Lower for Longer” Interest Rates
The Federal Reserve has reduced interest rates three times this year. So, what are the implications for low and even negative interest rates, globally and domestically?
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Family Business Succession
Family Business Succession: Surviving the Transition
It's important to be prepared if you want your family business to survive the passing of generations.
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Are You An Emotional Investor
Are You An Emotional Investor?
Market volatility can lead some investors to make quick decisions that can ultimately harm their long-term investing goals. It's important to know if you are investing with your emotions or remaining objective.
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The Central View Q3 2019
The Central View Q3 2019
Join our investment team for a look at this quarter's insights into the markets and the economy.
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Navigating-Your-Post-Retirement-Cash-Flow
Navigating Your Post-Retirement Cash Flow
Retirement means your regular paycheck has stopped and now you are in charge of managing your own cash flow.
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Do-I-Have-Enough-Money-to-Retire
Do I Have Enough Money to Retire?
There are many things to take into consideration to answer this question.
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What-Does-Financial-Planning-Mean
What Does Financial Planning Really Mean?
Financial planning has become a financial services industry term that encompasses many things, and can be confusing if it is not placed in proper context.
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Proposed-Legislation-Could-Change-Retirement-Plans
Proposed Legislation Could Change Retirement Plans
The "Setting Every Community Up for Retirement Enhancement" bill was passed by the House on May 23 and could drastically change the rules of retirement.
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RPS Meeting
Selling a Business – Tax Planning Considerations for the Seller
Selling a business can be complicated and daunting – and may bear substantial tax consequences.
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CV Thumbnail
The Central View Q2 2019
Join us for a look at this quarter's insights into the markets and the economy.
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ATO-I-Have-A-Will-Why-Do-I-Need-A-Trust
Ask a Trust Officer – I Have a Will, Why Do I Need A Trust?
Having a will doesn't always mean you can avoid probate, but having a trust can be beneficial in avoiding it.
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ATO 401(k) Protection Plans
Ask a Trust Officer – 401(k) Protection Programs
The success of your retirement depends largely on what you do with the money in your qualified retirement plan.
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Building Tax-Free Wealth
Building Tax-Free Wealth With Tax Reform and Down Markets
Long-term investors could benefit from the stock market pullback and changes to the tax code to build significant tax-free wealth.
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ATO-How-to-Survive-Tax-Season
Ask a Trust Officer – How to Survive Tax Season
In this edition of "Ask a Trust Officer," Jill Dobbs, CFP® explains how getting organized now can save you a lot of time and stress as tax season officially kicks off.
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Tax Form
2018 Year-End Tax Planning Considerations
Sweeping changes made by the Tax Cuts & Jobs Act to individual, business, and trust & estate tax law require careful consideration and planning to avoid surprises at tax time.
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Retirement Couple in Car
IRS Announces 2019 Retirement Plan Contribution Limits
Covers cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2019.
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Donation Jar
Qualified Charitable Distributions From IRAs
For philanthropic taxpayers, a unique tax planning opportunity exists when donations are sourced from IRA funds.
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Time for a Family Meeting
Time for a Family Meeting
Although it has often been regarded as an unspeakable topic, it is important to talk to your family, especially your adult children, about finances before you are gone.
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Financial-Planning-Services-Conversation-with-John-Sastry
Financial Planning Services: A Conversation with John Sastry, CFP®
Your financial goals are unique, and how you achieve them is just as unique.
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The Why of my Inheritance
The “Why” of my Inheritance
What you leave behind for your family and friends to treasure is important. However, the reason behind the heirloom may be even more important.
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Backup digital lifestyle
A Backup for Your Digital Lifestyle

In a desire to eliminate paper clutter, do you have bills and statements come to…

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Helping Yourself After The Loss of a Spouse
Ask a Trust Officer – Helping Yourself After the Loss of a Spouse
One of the biggest causes of family arguments after the passing of a loved one is who gets the inheritance. By talking to your children about this early on, you are likely to avoid squabbles and provide meaning to what you are leaving behind.
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I Have a Will Why Do I Need a Trust
I Have a Will, Why do I Need a Trust?

By Jill Dobbs, CFP® - Vice President & Wealth Management Advisor   Many people often ask,…

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An Update to the Current State of the Market
An Update on the Current State of the Market

By Greg Berg, CFA, CAIA - Senior Vice President & Senior Portfolio Manager After an…

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Retirement Couple in Car
IRS Announces 2018 Retirement Plan Contribution Limits

The Internal Revenue Service announced on October 19, 2017 cost of living adjustments affecting dollar…

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Vacation Home
Estate Planning for Vacation Homes
As the fall arrives, you may very well be winding down the season at your beloved vacation home. For others, you may find yourself not using a vacation home quite as much as you had dreamed.
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Empty Wallet
Debt After Death: Don’t Fear the Reaper

By J. Bryan Allee, J.D. - Vice President & Chief Fiduciary Officer   According to…

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Revocable Trusts Still Relevant
Revocable Trusts Are Still Relevant

By Trenny Garrett, J.D. - Senior Vice President & Relationship Manager   Since the estate…

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Retirement-Savings-to-Pay-for-College
Should You Use Your Retirement Savings to Pay for College?
Deciding when and how to save for a child’s future college education, while saving for your retirement, is quite a balancing act.
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Communicating With Your Grandchildren
Communicating With Your Grandchildren

By Jill Dobbs, CFP®, Vice President & Wealth Management Advisor Communicating with your grandchildren can…

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CTC_Estate Planning Landowners_2022
Estate Planning for Landowners
When a family owns land, it can mean many things to different members of the family. Working with a team of professionals to plan for your estate is an important decision to reach the desired outcome for your legacy property.
Watch Video
SOS_Video Graphic
The Importance of a Second Opinion
Anything that could affect a family or individual financial situation today, or in the future, brings with it the need to reevaluate where you are today, where you would like to be and if you are track to get there.
Watch Video
CV Q2 2022
The Central View Q2 2022
Each quarter, our investment team provides details on the market and economy, bringing you the latest insights in an easy to follow video.
Watch Video
WomenDecisionMakers_Graphic
Woman and Their Role as Financial Decision Makers
Women are a large part of the workforce. They are often times directly involved in their households’ investment and financial decisions.
Watch Video
Crypto_Graphic
Cryptocurrency: Fad or Future?
There has been a lot of discussion over the past several years regarding cryptocurrency. If you feel like the whole idea of cryptocurrency is hard to understand, you are not alone.
Watch Video
What is a GRAT_Graphic
Tax and Estate Strategies: What is a GRAT and Do You Need One?
While Grantor Retained Annuity Trusts (GRAT) can seem complex to some, they can really be simple when broken down. Because GRATs have the potential to provide significant tax benefits when interest rates are low, today’s interest rate environment may provide a good opportunity.
Watch Video
How Much Will Retirement Cost_Graphic 2022
How Much Will Retirement Cost You?
One of the biggest questions we hear from clients is, “What kind of retirement lifestyle can I afford?” It’s not easy to forecast living expenses for next year, let alone to project the cost of a retirement period of 30 plus years.
Watch Video
Opportunity Among Crisis Graphic
Financial Planning: Opportunity Among Crisis
At Central Trust Company, we use Monte Carlo Simulation to model a variety of outcomes— including all the events taking place this year.
Watch Video
Risk Tolerance_Graphic
Risk Tolerance: Choosing Between “Eating Well” or “Sleeping Well”
Investing is, and will always be, a balancing act between “eating well" and "sleeping well”.
Watch Video
iStock-973096458
Business Owner Survival Guide
When contemplating an outright business sale to an outside entity, the first or foundational level of planning should be contingency planning.
Watch Video
Business Retirement Plans
Business Retirement Plans: Are You On The Hook?
As a business owner or executive, you are most likely the fiduciary of your company’s retirement plan. As the plan’s fiduciary, you are responsible and liable for oversight of the plan’s administration, investments and fees.
Watch Video
Central View Q3 2021
The Central View Q3 2021

by Greg Berg, CFA, CAIA, MBA, Senior Vice President & Senior Portfolio Manager INVESTMENT OUTLOOK Global…

Watch Video
Can a Trust Protect Your Child's Inheritance_Thumbnail
Can a Trust Protect Your Child’s Inheritance?
A common estate plan might provide that upon your death, your assets will be distributed to your children. While that has the benefit of being simple, there can be risks.
Watch Video
The Central View Q1 2021 Thumbnail
The Central View Q1 2021
Join our investment team for a look at our insights into the markets and the economy for the first quarter of 2021.
Watch Video
Couple on the Beach
Vaccines, Variants, and Vacations: The Future of Safe Travel
The changes and disruptions incurred in 2020 are well known and documented. But there is a new optimism, as roughly 80% of travelers have established plans during the next six months.
Watch Video
Couple Reviewing Finances
Uncertainty vs. Certainty of Death and Taxes
When uncertainty is all around, proactive steps you take help mitigate your personal financial risk and the uncertainties of life and the certainty of death and taxes.
Watch Video
Do You Need a Financial Plan
Do You Need a Second Opinion?
Navigating the financial industry can be daunting. More so for someone that may not have experience in the industry or be aware of the multiple service delivery models that are available.
Watch Video
Variable Annuities Graphic
Variable Annuities: How Do They Work and What Do They Cost?
Variable annuities can be difficult for clients, and even some financial professionals, to fully understand.
Watch Video
The Central View Q3 2020_Thumbnail
The Central View Q3 2020
In the latest edition of The Central View, our investment team dives into their thoughts on the economy, valuations, the upcoming election and our portfolio positioning as we navigate through Q3 2020.
Watch Video
CVQ2_Title Page
The Central View Q2 2020
Join our investment team for look at this quarter's insights into the markets and the economy.
Watch Video
Positive old couple meeting with their insurance agent
Trust Services Beyond the Investment Realm
What’s unique about working with Central Trust Company is that we can advise you about our many service offerings outside of just the investment realm.
Watch Video
retirement-tax-trap
Ask A Trust Officer – Residency Tax Trap
Regardless of the age of your children it is important to educate them about money and the concepts of earning, spending, saving, investing, and giving.
Watch Video
ATO-I-Have-A-Will-Why-Do-I-Need-A-Trust
Ask a Trust Officer – I Have a Will, Why Do I Need A Trust?
Having a will doesn't always mean you can avoid probate, but having a trust can be beneficial in avoiding it.
Watch Video
ATO-How-to-Survive-Tax-Season
Ask a Trust Officer – How to Survive Tax Season
In this edition of "Ask a Trust Officer," Jill Dobbs, CFP® explains how getting organized now can save you a lot of time and stress as tax season officially kicks off.
Watch Video
Helping Yourself After The Loss of a Spouse
Ask a Trust Officer – Helping Yourself After the Loss of a Spouse
One of the biggest causes of family arguments after the passing of a loved one is who gets the inheritance. By talking to your children about this early on, you are likely to avoid squabbles and provide meaning to what you are leaving behind.
Watch Video
Retirement-Savings-to-Pay-for-College
Should You Use Your Retirement Savings to Pay for College?
Deciding when and how to save for a child’s future college education, while saving for your retirement, is quite a balancing act.
Watch Video
The Role of a Trusted Advisor
The Role of a Trusted Advisor
The trust advisor plays a large role in a client's life, helping with things like estate planning, tax planning, investment management, and more. As Central Trust's Evan Sowers explains, your trust advisor provides a unique perspective that you won't find anywhere else.
Watch Video