Select Page:  Posts Per Page

Capital Call Lines 101

A capital call line is a revolving line of credit that a lender provides to a private equity group (PEG). The line of credit is collateralized with a pledge of the right to call and receive capital contributions from the fund’s investors. The main benefit of having a capital call line or advice line is to bridge capital calls for short-term working capital.

To provide a better understanding, here is a review of common terms associated with
capital call lines:

PEGs: Closed-end investment companies that invest in businesses and/or commercial real…

Estate Planning for Parents of Children with Special Needs

When faced with the prospect of what to do with the assets they have accumulated during their lifetime, many people consider passing on their nest egg to their children. However, parents of children with disabilities will need to address additional considerations when determining how they will distribute their assets. One important consideration is how your children’s needs are currently being met. Children with special needs may currently be receiving health insurance coverage in the form of Medical Assistance from the Pennsylvania Department of Human Services. Perhaps your child is receiving assistance from the Social Security Administration in the form…

Welcome Blaine Mooney, CFP®

Get to know Blaine:

Name: Blaine Mooney
Current title: Vice President and Wealth Advisor, Girard, a Univest Wealth Division

What is your specialty or area of focus?
As a Wealth Advisor, I enjoy using my extensive experience in investment management coupled with my financial planning capabilities to help clients pursue their investment goals. I believe every client deserves independent financial guidance with the implicit trust that the advisor has their best interests at heart. I enjoy building relationships and take great pride and satisfaction in helping clients navigate their financial lives.

Tell us about your professional experience
I have more than 20 years of experience…

Why Choose Univest as a Corporate Trustee?

Trust services are very personal. This makes it imperative that a trustee takes a tailored approach to how it serves clients. With more than 90 years providing trust services, Univest knows there is no one-size-fits-all approach. Our team of experienced professionals takes a personalized approach to how we work with each of our clients. We can be involved as much or as little as needed for our clients and this often varies throughout their lives as their needs change.

In addition to being flexible in our approach and tailored in the solutions we provide, our Trust team has the depth…

Retirement Plan Contribution Limits Are Movin’ On Up

As we cruise through the final quarter of 2021 and look forward to the holidays, we find that the IRS has given investors an early gift with their recent announcement of higher retirement plan contribution limits beginning next year. For tax year 2022, annual employee contribution limits for 401(k) plans, 403(b) plans, most 457 plans and Thrift Savings plans will rise to $20,500 which is an increase of $1,000 from current contribution limits. “Catch-up” contributions, for those age 50 and up, will remain unchanged at $6,500, putting the maximum standard employee contribution at $27,000.

For smaller businesses that offer their…

It’s Harvest Season – For Your Taxes

Farmers aren’t the only people who can benefit from a strong harvest at the end of every year. Investors, whether seasoned or new to the game, can take advantage of tax-loss harvesting as part of their end-of-year tax strategy for their taxable investment portfolio.

Tax-loss harvesting is a simple way to lower current year taxable income by offsetting high capital gains through selling poor performing investments at a loss. Proceeds can be swapped into a comparable investment, invested in more attractive opportunities, or used for current cashflow needs.

Just because a stock is sold to harvest tax losses doesn’t mean an…

Are Younger Investors Getting Sound Advice?

In the past few years, there has been a surge of online platforms and mobile apps that make investing in the stock market more accessible to average investors, and, in many cases, younger people. In fact, my 13-year-old son recently told me he wanted to start buying stocks. While beginning to invest at an early age can be great for the long-term, one of the potential downsides is knowing where to start and how to navigate the overwhelming amount of information available online. For novice investors, it can be challenging to sift through what is a reputable education source…

Do You Know Where All Your Money Is?

When you think about where your money is located, what is the first thing that comes to mind? A bank checking account? An online savings account? An investment account? A workplace 401(k)? The motorcycle collection slowly growing in your garage?

Many people don’t realize their money is so spread out. When asked where they keep their money, automatic answers tend to be a bank checking and savings account, plus a workplace retirement account. But as you dive deeper into the conversation, many people come to realize that they are tied to more financial institutions than they initially thought — it’s…

How Risk Tolerance Influences Your Financial Plan

This past year, market volatility prompted many investors to think about how much risk they’re willing to tolerate. An investor’s risk tolerance is how comfortable they are with potentially losing money in hopes of higher gains, depending on market performance. Whether or not last year has inspired a more aggressive or more conservative approach, investors should work with their advisor to align their risk tolerance with a comprehensive and personalized financial plan.

How is risk tolerance determined? The first step we utilize at Girard to establish risk tolerance is to have each client complete a questionnaire, so we can get a…

Benefits of Working with a Professional, Community-Based Trust Group

Part of any complete estate plan is the naming of a number of important positions. Whether that be a Guardian to raise your minor children, an Agent to act as your Power of Attorney when you cannot act for yourself, an Executor to administer your estate, or a Trustee who is charged with managing any trusts that you create as part of your overall plan; these are important decisions to make.

Some of these roles can be filled by a trusted individual (family member, friend, attorney, etc.), but the role of an Executor and Trustee may be best filled by…

Select Page: