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1 | Don’t Miss Out!
Annex Wealth Management’s “Navigating The Markets” is an interactive presentation focused on providing information and insight on today’s economy.
Join Annex Wealth Management as they walk you through where we are and where the Annex Investment Team believes we’re headed.
In addition to taking your questions, we will discuss:
• Headwinds for the economy and markets
• Whether the long-awaited recession will ever happen
• The historical significance of today’s economy
• What you can do to calibrate your portfolio
Join us in Madison with Annex’s Brian Jacobsen & Mark Pent:
Date: Tuesday, October 3, 2023
Time: 6:00 PM – 7:30 PM CT
Register Here
Join us in Elm Grove with Annex’s Brian Jacobsen & Dave Spano:
Date: Thursday, October 5th, 2023
Time: 6:00 PM – 7:30 PM CT
Register Here
Join us in Appleton with Annex’s Brian Jacobsen & Jeff Daye:
Date: Tuesday, October 10, 2023
Time: 4:00 PM – 6:00 PM CT
Register Here
2 | Week In Review
Annex strongly believes in frequent and meaningful communication.
Each Friday after market close, our experts record the “Week In Review”- exclusive insights to help you stay on top of the latest financial news.
Interest Rates, Inflation & Q4 Prospects
September is a lousy month for the markets. The good news, seasonality would suggest Q4 may be leaning to the positive side. Annex Wealth Management’s Dave Spano and Derek Felske discuss.
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3 | Did You Know?
Behind the scenes information to help you get to know more about Annex Wealth Management.
Annex Has A Certified Divorce Financial Analyst® On Our Team!
Did you know Annex Wealth Management has a Certified Divorce Financial Analyst® on our team who can help educate and guide you through the divorce process?
Annex Wealth Management has a Certified Divorce Financial Analyst® on our staff! Deanne Phillips, CFP®, CDFA®, ABFPsm, Director of Client Learning & Development, Deanne has over 26 years of financial services experience working directly with clients and 10 years prior in the education field.
Deanne holds a bachelor’s degree from New York University and has been a practicing CFP® professional for over 20 years. She’s also a Certified Divorce Financial Analyst (CDFA®), and an Accredited Behavioral Financial Professional (ABFPsm), who assists our clients and prospective clients with financial transitions such as divorce. She’s been a guest speaker and lecturer at numerous local and national conferences and national banks and has published writings specific to Divorce specialty on thestreet.com.
Through Annex Wealth Management, the role of our CDFA is twofold: education around the divorce process and analysis related to financial aspects of divorce including asset division projections per marital settlement agreements (MSAs) and qualified domestic relations orders (QDROs).
The services within the scope of wealth management include:
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- Education around different types of divorce, expectations, and process
- Availability of experts throughout the divorce process to answer questions
- Asset split projections based on outside source drafted MSA
- Projections of future assets based on negotiations during the process and final MSA in Financial Planning software utilized by Annex
- Review of documents including MSA and QDRO
- Cash flow projections, including support
- Associated tax planning needs
- Referrals to family law attorneys for representation and/or mediation or collaborative divorce
- Assistance with assigning beneficiary designations per the finalized documents
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4 | Know The Difference
Hot topics, fresh stories and useful information; all in 60 seconds.
Nowhere To Hide | Aren’t Bonds Supposed To Provide Support For Falling Stocks?
That’s how things seemed to work during the two decades before COVID. It’s a different world now, but similar to what we had from the 60s through the 70s. Then, inflation was the drummer setting the beat for the markets.
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5 | Ask Annex
Each week, members of the Annex Wealth Management team answer your questions about investing, money and the economy.
Applying For A Mortgage | RMDs | Pausing 401(k) Contributions | Investing Spare Cash
Ask Us A Question!
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6 | Poll Response
We want to know what you think! Each week we’ll ask for your thoughts and opinions on various subjects to gain a look into the people around you and of other readers in the Annex community.
Get the results from last week’s poll, “When do you do your charitable giving?” and discover ground rules to help you navigate taxes & charitable giving.
The results are in from last week’s poll: When do you do your charitable giving?
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- 5% Beginning of the year
- 77% Throughout the year
- 15% End of year
- 3% I don’t
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For the 97% of you who take part in charitable giving the tax aspects of it can be complex, but using a few ground rules can help you navigate through it:
- Always ask for a receipt if your donation is cash or exceeds $250 to one cause.
- Get an independent appraisal in writing for gifts exceeding $5,000.
- Subtract the value of any benefits to yourself before making the deduction (i.e. meals, entertainment, etc.).
- Itemize your deductions if you suspect your total gifts may exceed the standard deduction.
- Know the annual deduction limits for certain causes such as public charities and donor-advised funds.
The type of charitable gift you give can also impact the tax treatment of it and revolves around three key details:
1. Who you give the gift to
2. How you organize the gift
3. Typle of property you decide to give
Be sure as you navigate your charitable contributions or consider starting charitable contributions you connect with a Wealth Manager for guidance (source).
Finish 2023 Strong. Update Your Plan Now.
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7 | Client Exclusive
Tips, strategies & information written exclusively for Annex clients.
Receiving Monthly Statements from Charles Schwab & TD Ameritrade
The long-awaited Schwab and TD Ameritrade merger is complete! What you should look for as the first month at Schwab draws to a close.
The long-awaited Schwab and TD Ameritrade merger is complete! What should you look for as the first month at Schwab draws to a close?
Clients who had accounts at TD Ameritrade will receive both a TD Ameritrade and a Schwab statement in October for the month of September. Most TD Ameritrade statements will show a zero balance, as accounts have transitions to Schwab. If you see a small residual balance at TD Ameritrade, please note that this residual balance will move to Schwab in the coming days and weeks. You will continue to receive a TD Ameritrade monthly statement until the account is fully at zero.
Once your TD Ameritrade account balance shows zero, you will stop receiving statements from TD Ameritrade and will only receive statements from Schwab.
If you wish to receive statements and confirmations from Schwab electronically, you must establish your SchwabAlliance profile (information was sent from Schwab and was included in previous emails from Annex) in order to view and access statements and confirmation on Schwab’s site. Even if you had electronic statement delivery at TD Ameritrade, you must establish your SchwabAlliance credentials within 90 days of the conversion (December 4) or you will be converted to paper statements and confirmations from Schwab.
Please contact your Wealth Manager or Client Service Manager with any immediate questions.
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| The Annex Wealth Management SWOT Podcast
Each week, members of the Annex Wealth Management Investment Team discuss the Strengths, Weaknesses, Opportunities, and Threats of the markets and economy. Go deep and listen to the team talk through what’s helping guide their decisions.
|In Case You Missed It!
CNBC: Brian Jacobsen, Annex Wealth Management’s Chief Economist, Joins CNBC’s ‘Power Lunch’
Last week, our very own Chief Economist, Brian Jacobsen, joined CNBC on their ‘Power Lunch’ segment to discuss the market, fed & the economy.
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| Annex In Action
The Annex team regularly seeks out opportunities to support and participate in events throughout the community.
Annex’s own, Brandon Lehman, CFP®, AIF®, Director of Annex Private Client, recently concluded his service of almost eight years to our country as an Engineer Officer in the Wisconsin Army National Guard. This past week Brandon retook his Oath of Office upon transferring to the Army Reserves as a Civil Affairs Officer, serving as a Civil Affairs Officer of the 407th Civil Affairs Battalion.
Annex continues to support our armed forces and is so honored and proud to have Brandon on our team!
| Events & Webinars
Annex Wealth Management provides free workshops, open to the public, on key wealth management topics.
Madison Marriott West – 1313 John Q Hammons Dr, Middleton, WI 53562
Annex Wealth Management’s “Navigating The Markets” is an interactive presentation focused on providing information and insight on today’s economy.
Join Annex Wealth Management’s Brian Jacobsen and Mark Pent as they walk you through where we are and where the Annex Investment Team believes we’re headed.
In addition to taking your questions, Brian and Mark will discuss:
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- Headwinds for the economy and markets
- Whether the long-awaited recession will ever happen
- The historical significance of today’s economy
- What you can do to calibrate your portfolio
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Tuesday, October 3, 2023
6:00 PM – 7:30 PM CDT
Sharon Lynne Wilson Center for the Arts – 3270 Mitchell Park Dr, Brookfield, WI 53045
Annex Wealth Management’s “Navigating The Markets” is an interactive presentation focused on providing information and insight on today’s economy.
Join Annex Wealth Management’s Brian Jacobsen and Dave Spano as they walk you through where we are and where the Annex Investment Team believes we’re headed.
In addition to taking your questions, Brian and Dave will discuss:
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- Headwinds for the economy and markets
- Whether the long-awaited recession will ever happen
- The historical significance of today’s economy
- What you can do to calibrate your portfolio
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Thursday, October 5, 2023
6:00 PM – 7:30 PM CDT
Fox Cities Performing Arts Center – 400 W College Ave, Appleton, WI 54911
Annex Wealth Management’s “Navigating The Markets” is an interactive presentation focused on providing information and insight on today’s economy.
Join Annex Wealth Management’s Brian Jacobsen and Jeff Daye as they walk you through where we are and where the Annex Investment Team believes we’re headed.
In addition to taking your questions, Brian and Jeff will discuss:
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-
- Headwinds for the economy and markets
- Whether the long-awaited recession will ever happen
- The historical significance of today’s economy
- What you can do to calibrate your portfolio
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Tuesday, October 10, 2023
5:00 PM – 6:30 PM CDT
WHY WE WALK
Thank you for helping us reach our fundraising goal! Together we can make a difference in the lives of those affected by ALS. Our team is committed to raising money to support people in our community with ALS and spread awareness of the urgency to find treatments and a cure. Please consider joining our team in the Walk to Defeat ALS® or choose a team member from the list and donate to our cause.
WHY WE NEED YOUR HELP
Every 90 minutes a person in this country is diagnosed with ALS and every 90 minutes another person will lose their battle against this disease. ALS occurs throughout the world with no racial, ethnic, or socioeconomic boundaries.
That’s why we’re participating in the Walk to Defeat ALS. To bring hope. To raise awareness. To provide resources and services to families free of charge. To help unlock the mystery of ALS and find the key to treatments a cure. Will you join us?
ABOUT ALS
Amyotrophic lateral sclerosis (ALS) is a progressive, fatal neuromuscular disease that slowly robs the body of its ability to walk, speak, swallow and breathe. The life expectancy of a person with ALS averages 2 to 5 years from the time of diagnosis.
ALS can strike anyone. Presently there is no known cause of the disease, yet it still costs loved ones an average of $250,000 a year to provide the care people living with ALS and their families need. Join the movement to provide help and hope today!
The Corners of Brookfield | 20111 W Bluemound Rd, Brookfield, WI 53045
Join us for the 3rd Annual Boos & Ghouls Night Out! This was a sold-out event last year so do not delay! Enjoy wine tastings and food pairings as you stroll the Corners of Brookfield, listen to the beautiful music provided by musicians from Elmbrook Schools, shop at various retailers who will give back to the Elmbrook Education Foundation & the Elmbrook Schools! Costumes are optional but encouraged!
Tuesday, October 12, 2023
6:00 PM – 8:30 PM CDT
Annex Wealth Management Naples Branch | 4901 Tamiami Trail North
Our Naples branch has a new home! If you’re in the Naples area, come check it out and join us! Food & Drink will be provided!
Thursday, November 16, 2023
2:00 PM – 5:00 PM EST
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