Dealing with Tariffs, Taxes, and Market Turmoil
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Your March Newsletter: Investing in Turbulent Times
After a few years of relative calm, stock market volatility has returned. What does this mean for your retirement savings? Despite the dire headlines, this is not a reason to change your investments or retirement plans. Historically, the stock market has declined in about one out of every four years. Additionally, a 10% drawdown is typical at some point during any given year. If the current market drop stopped now, it would be less than the average decline within a year, even in good stock market years (source). The magnitude of these market moves are very normal. Political rhetoric and media coverage can make this type of volatility harder to ignore, but don’t let that push you into making drastic changes to your retirement portfolio. Another reason not to panic: diversification has helped protect portfolios during this period. Given the recent headlines, you might be surprised to learn that international stock and bond index funds have actually risen in value this year. The chart below shows the performance of various Schwab index ETFs compared to the S&P 500 (in brown below) from January 1st through March 14th. Remember that the news headlines you read have been highlighting the drops in the S&P 500 or the Dow Jones Industrial Average, but your investment portfolio holds much more than just the stocks in those indices. With spring client meetings approaching, we look forward to discussing how the recent market affects your financial plan. If you have any questions or concerns before then, please don’t hesitate to reach out. Regards, The Arnold & Mote Team As a reminder, if there are other topics you’d like to see covered in a future newsletter this year, or if we can help you implement any of these topics in your financial plan, simply reply to this email and we’ll be in touch. March Webinar: Guide to Estimated Tax Payments for RetireesAt this time of year, many investors are caught off guard by unexpected tax bills or penalties, or they may be advised by their tax preparer to begin making quarterly payments. If you’ve been advised to increase IRA withholding or start making estimated tax payments, understanding your tax obligations and payment options is key to avoiding penalties and maintaining a steady cash flow. Join us for this webinar to gain a clearer understanding of tax planning, helping you save time, avoid surprise tax bills, and make informed financial decisions in retirement. In this webinar, we’ll cover:
Join us for the live broadcast at noon Central Time on Friday, March 21st, streamed on our YouTube channel here:
Want a reminder before we go live? Click the button above and subscribe to our channel to be notified as the webinar begins: If you can't attend live, a replay of the webinar will be accessible immediately after and available alongside recordings of all previous webinars on our YouTube channel. If there are questions you'd like to have answered, simply reply to this email and let us know! Last Month's Webinar RecordingIf you missed last month's webinar, here is the recording of "Private Credit and Private Equity - What to Know About These Investments" From the Blog: Using Retirement Guardrails to Calculate Sustainable Withdrawal RatesA key topic in our upcoming spring client meetings is updating your 'retirement guardrails'. These guardrails help determine how much you can sustainably withdraw from your retirement accounts each year and how stock market volatility may affect that plan. This blog post provides an overview of our process for calculating retirement guardrails, along with a real-world example of how they are applied.
Arnold & Mote Featured in the Press Yahoo Finance - Top 6 Cash Flow Mistakes Retirees Make We were interviewed alongside other financial advisors for a Yahoo Finance article on common cash flow mistakes retirees make. Our contribution focuses on long-term tax planning and strategies for creating a tax-efficient retirement plan using IRA withdrawals. The article also covers other key topics, such as delaying retirement withdrawals, investing too conservatively, overlooking inflation, and underestimating longevity risks.
See our other recent press mentions on our Press Page.
Looking for Something From a Prior Newsletter?As a reminder, you can now find the last 12 months of our newsletters here:
Whether you’re new and want to browse newsletters you missed or are trying to follow up on a topic from a few months ago, we’re now publishing all newsletters at the link above. We'll also keep this link at the bottom of all future newsletters.
Quinn and the Arnold & Mote Wealth Management Team (319) 393-4020 Contact Us | Blog | arnoldmotewealthmanagement.com Facebook | LinkedIn | YouTube You are receiving this newsletter because we've talked with you in the past about financial planning and wealth management. Privacy Policy |