Angle Wealth Management of Janney Montgomery Scott, LLC

What happens in Washington affects your investments and retirement—and this unprecedented presidential election is no exception. Join us for this exclusive webinar with Jeff Bush of The Washington Update for a nonpartisan, insider’s analysis that can help you make more strategic investment decisions. Only those who register and attend can access the post-event recording, so don’t miss out!

https://bit.ly/4djjwjx

Do you have more questions than answers about life insurance? If so, use this checklist to determine what is right for you and which solutions best suit your needs.

Determine How Life Insurance Fits in Your Financial Plan Choose your heirs. Spouses and children are common beneficiaries. But they’re not the only ones. Who else do you want to provide for?

Did you know? If current legislation sunsets, even an extremely conservative rate of return can potentially push your total estate value over the projected exemption amounts.
Click here to learn more about the importance of estate planning:

Educational Insights Our educational insights cover a variety of topics to help you better address your financial needs and implement your financial plan, with strategies and solutions that may help you meet your financial goals.

There are several advantages to using 529 Plans to help fund a grandchild’s education, including:

- Contributions are treated as gifts, which removes assets from your estate, providing potential tax benefits.
- Allows for tax-deferred growth as all earnings are withdrawn tax-free when used for permitted education purposes.
- You maintain control of the assets, unlike other types of gifts, as funds can only be used according to the will and direction of the account holder.

Read more about these advantages and other considerations when using 529 plans to help fund education for the next generation and see if this solution is right for you.

529 Plans: A Tax-Efficient Way to Fund Your Grandchildren’s Education When grandparents are given the gift of grandchildren, they are often filled with the desire to do anything they can to help, financially and beyond. In fact, according to the AARP, grandparents spend approximately $179 billion on their grandchildren every year.

The best time to adopt new investing strategies is rarely in the middle of market volatility. However, it is a great time to review your financial plan and uncover any opportunities or benefits. Here are three actions to take during a volatile market.

Three Strategies to Navigate Market Volatility However, it is the best time to review your financial plan—and act on your existing strategies to uncover any existing opportunities or benefits.

The changing landscape in Washington can impact your retirement plans. Jeff Bush of The Washington Update gives an insider’s view of the political factors likely to influence the markets’ reaction and how you can plan to navigate volatility.

https://bit.ly/3ZicJmT

Don’t forget to register for our exclusive presentation on Medicare! Learn how to navigate this vital federal health insurance program for people in their 60s and over.

Register today: www.janney.com/Medicare

Gen Z is redefining financial habits with differing values, behaviors, and perspectives. Read more about these defining characteristics and important considerations Gen Z should think about with their financial planning, and how parents can assist.

Generation Z: Different Values, Behaviors, and Perspectives Much has been written about the Millennial generation—those born between 1981 and 1996. Often mistakenly perceived as isolated and disengaged, these tech-savvy information sharers are in fact a globally aware, highly empathetic, and cause-driven generation, with a strong collective social conscien...

Did you know that life insurance can do more than just cover funeral costs? Click here to learn more about using life insurance in your estate planning:

Why Use Life Insurance in Estate Planning Even when an estate wouldn’t owe any federal estate taxes, life insurance can play a useful role in your overall financial and estate plan.

Help ensure you make informed decisions about your health coverage and finances. Join Tim O’Mara, Vice President at Nationwide’s Retirement Institute, for this valuable session on Medicare.

Register today: www.janney.com/Medicare

In the latest edition of Investment Perspectives, our Investment Strategy Group discusses the importance of focusing on the macroeconomic environment, what to know about floating rate bond performance during rate cuts, and expectations for the stock market.

August Investment Perspectives In this issue of Investment Perspectives, we discuss the impact of the election on the market, floating rate bond performance during times of rate cuts, and using P/E to determine a stock's valuation.

Join us for our next virtual client event with Tim O’Mara, Vice President at Nationwide’s Retirement Institute, to learn how to navigate the Medicare process and make informed decisions about your health coverage and finances.

Register today: www.janney.com/Medicare

Our Investment Strategy Group reviews the Federal Reserve’s decision to hold interest rates unchanged at their recent meeting and what it means for investors.

Foaming The Runway The Federal Reserve Open Market Committee left their target for interest rates unchanged at a range of 5.25 – 5.50%, the 12th month of unchanged overnight rates.

Newly expanded tax credits are available for employers establishing first-time 401(k) plans for their employees that may offset most or all plan costs for the first three years. Learn more about these credits and the benefits to your business.

Discover Generous New Tax Credits for Start-Up 401(K) Plans The startup tax credit enables businesses with up to 50 employees to claim a credit of 100% of eligible start-up costs based on the number of NHCEs eligible to participate in the plan. Specifically, the cap is the lesser of $250 multiplied by the number of NHCEs eligible for the plan or $5,000. The....

Did you know you can save on taxes while supporting your favorite charities and causes? Learn more about several tax-smart strategies when giving charitable gifts.

Tax-Smart Charitable Gifting Strategies While each of us has our own personal motivations for and approach to giving, collectively Americans continue to be the world’s most charitable nation. In 2022 alone, annual charitable gifting in the United States totaled $499.33 billion (with gifts by individuals comprising 64% of the total).1

For the third consecutive year, Janney has been certified as a Great Place to Work. This prestigious recognition, only achieved by select firms, is a testament to our collaborative and people-centric culture, allowing our team members to thrive and deliver superior client service.

Janney Earns Great Place to Work® Certification Firm recognized for third consecutive year for creating an outstanding workplace experience.

We’re excited to announce that KKR investment funds and our parent company, The Penn Mutual Life Insurance Company, have signed a definitive agreement under which KKR investment funds will acquire Janney Montgomery Scott.

“We are excited to enter this next chapter in our nearly 200-year history with a new value-added strategic partner. KKR has demonstrated they value our client- and advisor-centric culture and share our deep conviction in the tremendous opportunities ahead for our business,” said Tony Miller, President at Janney. “We look forward to working with KKR to invest further in our growth and enable our talented team to further improve the advice and services we offer our clients.”

Read more: https://bit.ly/4cTVLiD

In its Mid-Year Update, Janney’s Investment Strategy Group provides insights and expectations for the economy, equity and fixed income markets, and investment implications for the rest of 2024.

Outlook 2024: Mid-Year Update To better position portfolios for the remainder of 2024, please take a few minutes to read the ISG Mid-Year Update to learn more about their expectations for the economy, and possible scenarios for the equity and fixed-income markets.

Feeling tired? Try some of these simple tips to stay energized naturally morning, noon, or night.

16 Effective Ways To Boost Energy—Without Caffeine Natural energy boosters include chewing gum, exercising, and taking a quick nap. Learn how to get more energy naturally.

It is essential to have a well-defined target asset allocation as part of your financial plan. Learn more about the importance asset allocation and some strategies to find the right balance with your investments.

Building a Personalized Asset Allocation The most impactful decision for investors when building their asset allocation with their Financial Advisor is how much to invest in stocks versus how much to invest in bonds. Taking the process a step further, one can decide how much to invest in U.S. stocks versus how much to invest in internation...

The SECURE Act 2.0 has numerous provisions designed to help individuals save for retirement that are either in place now or will become effective in the coming years. Learn more about the most important changes and how they could help you save for retirement more effectively.

Are You Incorporating Secure Act 2.0 Provisions into Your Financial Plan? The RMD age has been pushed back to age 73 effective January 1, 2023. In 2033, the RMD age will be increased once again, to age 75. If you turned 72 in 2022 or earlier, you will need to continue taking your RMDs as currently scheduled.

When it comes to life insurance, do you have more questions than answers? If so, use this checklist to determine if you need it and, if you do, what solution best fits your needs.

Determine How Life Insurance Fits in Your Financial Plan Choose your heirs. Spouses and children are common beneficiaries. But they’re not the only ones. Who else do you want to provide for?

Review our Investment Strategy Group's insights on the Federal Reserve's recent decision to leave interest rates unchanged and expectations for future interest rate decisions.

Creeping Closer in This Petty Pace FOMC Meeting Notes. The Federal Reserve Open Market Committee left its target for interest rates unchanged at a range of 5.25 – 5.50%, the eleventh month of unchanged overnight rates.

After your child gets accepted into college, prepare yourself to start withdrawing funds from your college savings accounts by understanding these considerations, including maximizing your 529 plan, tax implications, and financial aid eligibility.

Evaluating Your College Savings Withdrawal Strategy It is important to understand the benefits and limitations of each college savings vehicle in order to prioritize its use based on financial aid or tax considerations. Below, we’ve provided a brief introduction to some examples of savings vehicles, and encourage you to continue the conversation wi...