Montermini Investments and Insurance

Do you know anyone that owns commercial property? There are a bunch of tax incentives for anyone that does, but they are time sensitive. Let me know!

Did you know that over the last four decades, life expectancy has increased in the U.S.? While there was a… ow.ly/fMRo102SNSV

Are you getting paid for new hires and existing employees? If not, you should be. Check your company eligibility. GMG.Me/555910

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

You can now take PPP with additional tax incentives for both 2020 and 2021. You are no longer restricted if you took PPP. Check your benefit here https://GMG.Me/555910

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

Do you know any business that is struggling due to COVID-19? I can help anyone that owns commercial property, has employees, or owns a business get funding. This funding is not a loan, and does not have to be paid back and can be available in a matter of days. https://GMG.me/555910

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

Did you or someone you know take the PPP loan? If so, you can now also get hiring tax incentives that were previously disallowed for both 2020 and 2021. Check here GMG.Me/555910

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

We’re facing one of the most complex tax seasons ever. Unique circumstances of 2020 are having an immense impact on business tax filings like never before. I work with companies to help with this. GMG.Me/555910

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

Whew! Tax Day has moved to May 17th!! You still have time to reduce or eliminate tax liability GMG.Me/555910

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

If you’re an employer and you haven’t checked you ERC yet, do so now GMG.Me/555910, you’re entitled to $14K per qualified employee

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

Employers, there are tax incentives available to you for people you hire, people you have already hired, and people you plan to hire! GMG.Me/555910

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

Prepare, Don't Predict

The historical bull market, correction coming, beware of inflation - you may be seeing these words in headlines lately. About a year after the unprecedented market events of spring 2020, the economy is recovering, but there is a lot of debate about how exactly the recovery will work.

One thing remains true: time in the market, not timing the market is the key to a successful investment strategy. We can’t know what the next quarter, or the quarter after that will look like, but we can mitigate risk by diversifying your strategy to help ensure you stay on track to reach your long-term financial goals.

If you want to talk about economic trends on the horizon and your strategy, don’t hesitate to reach out. Here are some related articles that I think are valuable. Let me know if they spark any ideas or questions.

Ever felt like the Ever Given?

If you’ve watched world news in the past week, you know that the Ever Given is a massive container ship that found itself wedged in Egypt’s Suez Canal, blocking traffic in one of the world’s busiest shipping lanes for six days. It cost countless dollars of lost business and delays — and made for some creative Internet memes.

When it comes to your financial goals, where are you finding yourself wedged in? Whether it’s finally starting that automatic withdrawal savings plan, planning and investing for retirement or even taking the time to get your taxes organized, I’m here to tell you that the best time to do it is right now, before it costs you countless dollars toward your future.

I’m here to help you get unstuck and moving full steam ahead. Simply call me at 360-352-1001 and we can get started together.

Financial reward to business owners retaining employees!! Qualify for Tax credits now in addition to PPP. PPP was very helpful and due to updated legislation, businesses may qualify for an Employee Retention Credit(ERC) up to $5,000 per employee for 2020 and up to $14,000 for 2021. This credit was not available in addition to PPP loans until recently and ERC is a tax credit not a loan. No potential strings!

Use the following link to see how much you qualify for today!

https://gmg.me/555910

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

It's March - Time to Mark Your Progress

We’re two months into the new year and now is a great time to ask: how are your resolutions for 2021 holding up? Whether it’s regarding your health, your future, or family, it’s important to take a step back periodically, mark your progress and reward yourself for what you’ve been able to accomplish so far.

And if you find yourself stalled, it’s still early enough in the year to reprioritize. There’s no better time than now to start fresh with a new goal.

Maybe you’d like to:

Smartly invest that tax refund or stimulus check
Set aside more money for retirement or education
Plan for a vacation (finally!)

I’d be happy to assist with any of these things — just reach out.

March Forward

Let’s do a reality check. With tax season in full swing, markets doing their day-to-day dance and winter weather still causing havoc, it’s sometimes hard to know what’s going to happen next. And in light of the events of 2020, some may be carrying added anxiety into this time of year. But spring and brighter days are on the way.

Because anxiety can lead to irrational money decisions, the best way to fight it is to take a deep breath, focus on your goals and then take the next step forward — no matter how small. Before long, you’ll find yourself “marching” forward with momentum and greater confidence.

And you have the right to be confident — you and I have crafted a financial plan and I’m here for you each step of the way. Maybe your next step is to set up some time to talk about your options? I’d welcome that! Let me know what you think. I look forward to hearing from you.

Do You Have a To-Don't List?

There’s lots of advice out there about organizing your workday, your family life, even your diet and exercise routine using to-do lists. Today, I’d like to suggest something different for your financial strategy — a to-don’t list.

While your strategy shouldn’t be ‘set it and forget it’, you can simplify it by focusing on a few to-don’ts:

Don’t make rash changes without consultation
Don’t obsessively follow the financial talking heads and media
Don’t focus on short-term market ups and downs
Don’t forget your long-term goals and values

We’ve built a strategy around your long-term goals, and even though a lot has changed in the last year, staying focused on them is part of your long-term success and I’m here to help you.

Employers are struggling and need help. Knowing how to qualify for funding is difficult. I can help employers get up to $14,000 for every qualified employee from the Federal Government. GMG.ME/555910

Growth Management Group Use this simple tool to instantly see what tax credits you potentially qualify for, just for hiring employees!

Disaster Relief is available to almost every business, check here for your eligibility. https://EmergencyBusinessRelief.com/555910

'Rational' Exuberance

Back in the dot-com bubble of the 90s, Alan Greenspan coined the term ‘irrational exuberance’. The recent social media-driven stock volatility is a good example of what he meant. Market volatility not driven by the fundamentals.

Although it’s entertaining to watch the pundits argue about the market, injecting a dose of ‘rational’ exuberance into your financial strategy is a better idea. Volatility is part of investing, and what’s important is having a well-diversified portfolio that has been constructed around your short, medium and long-term goals.

That is what we’ve built together. Enjoy the articles below, and please reach out if you would like to talk about them, or if you have new priorities and goals for 2021. We can work together on any changes or adjustments to help keep you on track to pursuing your goals.

It Starts With a Map
I wisely started with a map, and made the story fit." — J. R. R. Tolkien, author of The Lord of the Rings

I’ve been hearing a lot of discussion recently around 2021 roadmaps. It seems every company is showcasing one or is building one right now. And I understand why. It’s easy to feel knocked off course after the events of last year.

What’s the best way to regain direction and control when you feel lost and uncertain? Check the map.

You and I have already crafted a financial roadmap. Your roadmap is your strategic plan that defines goals and desired outcomes and includes the major steps needed to reach them.

And if you decide you want to change course, or if market movements necessitate, we can always take a minute to review, rebalance and redraw your roadmap, to get you on track to pursuing your goals.

Navigating the New Year Together

We made it, 2021 is here! Many people are happy to see the end of 2020, but the date flipping to 2021 doesn’t necessarily mean that your financial goals have changed.

There is a lot to learn by reflecting on the events of 2020—a market crash and recovery, a pandemic, changes to your career, or your family’s health—the unprecedented year that was has a lot to teach us about resiliency and progress.

It’s hard to imagine what 2021 will be like, so, let’s renew our focus on your short, mid, and long-term goals. We have built your portfolio to your needs and goals. So as we embark on a new year, let’s keep the conversation going, and work together to help you to pursue those goals.

Turning The Page On An Unprecedented Year

It’s been said over and over again —2020 was an unprecedented year. And it’s true, starting with the onset of the coronavirus pandemic, to the economic crisis, market recovery, and now a light at the end of the tunnel with the rollout of vaccines across the world.

I’m looking forward to a new start in 2021, with fresh optimism that in due time, we will see the end of the pandemic. That doesn’t mean that we can forget about the hardships and losses of 2020, but perhaps we can learn from them.

One of the most challenging things about 2020 was the lack of control we had around the pandemic and the changes it presented to our way of life. In 2021, why don’t you try to turn your focus to what you can control, for example, your financial strategy? Predictions for the markets in 2021 abound, but switching your focus from the day-to-day noise to your long-term goals and the progress we are making towards them can help keep you on track.

In the new year, let’s discuss how your goals may have evolved over 2020 and what you’d like to accomplish in 2021.

Thank you very much for your support this year and I wish you and your family a very happy, healthy, and prosperous new year.

Peace, Connections, and Joy for the Holidays

I think we can agree, 2020 was a year like no other. Investors have been challenged like never before as the pandemic took the market from record highs to the brink of a depression and back. We survived — and many have even thrived. And what we’ve learned is that though we can’t control the world around us, we can control our reaction to it. By maintaining focus on your long-term goals we are better able to withstand market changes — and help you pursue those goals.

This holiday season is a good time to reflect and learn from all of the challenges you faced in 2020. Through this holiday especially, I wish you moments of peace amid the difficulties, deep connection with family and friends even if they can’t be in person, the warmth of memories from holidays past, and wonderful glimpses of joy for what will come in 2021.

It's Almost Over!

We’re in the final stretch of 2020, a year that has been one of the most challenging in recent memory. How are you handling the stress and emotions that come with any holiday season, possibly made even more intense by covid-19 restrictions? I hope that you are managing to infuse some holiday joy into your life regardless. Personally, I am looking forward with hope to a better new year.

Let’s end the year on a high note—financially. We can take steps before year-end to help ensure your strategy aligns with your goals and objectives.

The Best Path To Change

If there’s one thing that 2020 has shown, it’s that big change can happen in the blink of an eye. When things change rapidly, we often make quick decisions about how to react. But the path to real, lasting, and positive change is actually slow, maybe even boring.

The pandemic has made us more focused on our retirement savings, income stability, and short term cash flow than ever before. These are important parts of your financial plan, so take the time to consider all the options before rushing into change. As your advisor, I can help you weigh your options and make an informed decision.

An Attitude Of Gratitude

We’re entering the holiday season, and starting with Thanksgiving, expressing gratitude is a year-end tradition. This year, it may seem like it’s a little more difficult to be grateful, but it’s worth it—for your health and your finances—to practice gratitude.

A positive outlook is a key ingredient for building wealth. Gratitude can be used as a tool to avoid impulsive financial choices and make better long-term decisions, for yourself, and for your family.

I want to wish you and your family a very happy Thanksgiving, no matter what format it takes this year for you. I’m grateful to have clients like you—not just on Thanksgiving, but every day.

What Happens Now?

To say that last week's election was eventful is an understatement, and this week continues to be remarkable, with markets surging on a positive coronavirus vaccine announcement.

Although our country still faces health and economic problems as 2020 winds down, we can approach the year-end with optimism. Fostering optimism in your financial strategy means taking care of year-end tasks like retirement plan contributions and tax planning.

A financial strategy is not an abstract thing—you are saving and investing for something real: a happy retirement, putting kids through school, a memorable vacation, or home renovation. Election outcomes don’t affect your long-term goals.

Consider the emotions behind your goals and how they may have evolved over 2020. It may help you face 2021 with a renewed sense of optimism.

Focus On Your Strategy

The U.S. election has been one of the most important in our lifetimes. Emotions are high, and there is no shortage of opinions of how this will impact the future.

What should you make of this for your financial strategy? Here’s what to do: focus on the future and remember your long-term goals. Let’s turn to what you can control and specific actions you can take.

Together we have built a diversified long-term financial strategy, and there are things we can prioritize before year-end to help maximize your taxes and investments now. Any changes we make are based on your specific goals and the market conditions, not on sentiment about who is elected.

Elections And Your Strategy - Nothing To Fear

Halloween is right around the corner, and like everything else, it’s markedly different this year. Some people find it thrilling to dress up and decorate the house, others think it’s just plain scary. It’s the unknown that gives us that frisson of fear, and there are a lot of unknowns this year.

The U.S. election is days away, and we are being bombarded with predictions about the effects the winner will have on the economy. How concerned should we be? In balance, history shows that elections, just like daily market volatility, don’t affect long-term investors negatively. We have a long-term strategy in place to help you pursue your goals, so any uncertainty, whether market, political or otherwise, shouldn’t worry you. Simply tune out the noise, and turn your focus to your goals.