Financial Newsletter – Dolphin City Records

Structuring End of Year Donations with HCR Wealth Advisors

Likely due to a combination of the closing tax year and the Holiday cheer, Network for Good reports that nearly 30% of all giving is done during December. The best way to help your favorite charity and mitigate your tax bill is to carefully prepare how you contribute. For example, what you donate can matter as much as when you donate. According to HCR Wealth Advisors, here are a few factors to consider before you decide whether to donate stock or cash.

Both cash and stock are deductible
The federal tax law has recently changed in a number of ways. While the restrictions are more cumbersome, taxpayers may still be able to deduct donations to charity. Filers may be able to deduct up to 30% of Adjusted Gross Income in the form of appreciated stock donations. The personal impacts of tax law changes are part of the reason that HCR Wealth uses expert teams to create personalized wealth management plans.

Tax liabilities
Because HCR Wealth does not have a stake in the sale of financial merchandise, portfolio restructures to reduce taxes are a valuable part of the investment plan. With a potential tax liability of over 20% on capital gains, for example, there are some circumstances where avoiding potential profits from the sale of stock is beneficial. Donating appreciated stock directly from a portfolio to a charity effectively removes any liability from that stock.

Donation Enhancement
Investors who plan to sell stock in order to make a cash donation may benefit from directly donating the stock. An appreciated stock sale will result in a capital gains tax. Therefore, a direct donation of stock would equal a cash donation plus the amount paid in capital gains.

HCR Wealth Advisors uses a comprehensive strategy that incorporates investments, charitable contributions, and retirement goals. Be sure to properly understand the nuances of stock versus cash donations, or hire someone who does, before making your choices.

This article is provided for informational purposes only and should not be interpreted as investment advice.

Empiricus Critically Figuring Into The Education Of Brazilian Investors

You might have heard of Empiricus Research, a Brazilian independent publishing company that provides financial information through its newsletters, amid talk about their controversial campaigns or their content on investment.

In either event, the company, a partnership of the American firm The Agora and Brazilian entrepreneurs Caio Mesquita, Felipe Miranda and Rodolfo Amstalden, is intent on growing its presence when endeavoring to help Brazilians become better investors. Refer to This Article for additional information.

Reportedly, 1 million people have invested in the Brazilian exchange, which shows renewed interest in the stock market. And to Empiricus, the number was an indicator of a potential subscriber base. Those who already had stocks, the publisher figured, would have an interest in getting its content.

According to internal studies, Empiricus is influencing its subscribers’ investment habits; on the strength of its stories, subscribers have opened accounts with trusted brokers who are now taking care of readers’ financial futures.

One of the 2018 studies showed that 45 percent of readers had all their resources in savings, while 35 percent invested in stocks, before the readers knew about Empiricus’ content. After subscribing, this percentage had shifted; 15 percent continued to stash money in their savings accounts, and 60 percent claimed to have funds invested in the stock market. Find More Information Here.

Empiricus has 350,000 readers and relies on a digital model. As such, the company needed a solution that would help it reach its target audience.

For these purposes, Empiricus chose Salesforce.

“We found the solution we needed in Salesforce Marketing Cloud,” Beatriz Nantes, Empiricus COO, said. “It especially helps us with e-mail triggers where it is simple to put the e-mail together, and the system allows large volumes with easy segmentation.”

They plan to purchase the Salesforce Einstein Solution for e-mails and to implement chatbots that will improve communication with its users.

Visit them channel on https://www.youtube.com/user/VideosEmpiricus

Banks for the Banks; Empiricus for the People

In 2009, college professors Felipe Miranda and Rodolfo Amstalden agreed on the business undertaking of the century. That undertaking is what we know as Empiricus; the financial investment company with the goal of helping people in a way unheard of within the circle of big business.

Empiricus helps its clientele in deciding on the most effective investments available by figuring out the best options for each individual. Felipe Miranda understands risk, and believes in diversifying your investments as much as possible to receive the largest possible return. To showcase this philosophy, the company has developed the Empiricus Portfolio; which pushes a multi-market allocation with equity, fixed income, real estate funds, gold and dollar allocations.

The “all weather portfolio” concept was inspired in part by American investor Ray Dalio, founder of the Bridgewater Associates investment firm. His belief is that asset diversification increases the potential for gains in any macroeconomic scenario, even in a recession. Between the launch of the Empiricus Portfolio in March 2014 and August 2019, the product had a yield of 240% of the CDI alone. Click Here for more information.

Of course, subscribers aren’t the only ones reaping the benefits of success. Empiricus itself has made otherwise investments on its journey. In 2013, the founders developed a relationship with the American group Agora to grow their follower base sixfold. In 2016, the company purchased half of The Antagonist site. Then, to create a fund seeker and comparator, they partnered with Quantum in 2018.

With two million free readers and 200,000 paying subscribers, you would think Empiricus would have trouble keeping things personalized. This is why Empiricus has also invested in Salesforce. Using Salesforce, your investments have become more streamlined and easier to manage than ever before. Because Empiricus strives for transparency within the company, unlike your typical financial investment forms, the decisions made by the company can always be counted on to be in your best interest. Refer to This Article for additional information.

Follow them on https://twitter.com/empiricus?lang=pt