Blog | AOG Wealth Management Inc. | Great Falls VA

What you need to know about IRA contribution limits

Mon, 16 Dec 2024 23:06:10 GMT

Ring in 2025 with Retirement Wins: Key Updates You Need to Know

SECURE 2.0 and IRA Updates: Maximizing Your 2025 Contributions

MAIN POINTS

1. Higher Contribution Limits for IRAs and 401(k)s:

401(k) Contributions:

In 2025, the employee contribution limit for 401(k), 403(b), governmental 457 plans, and the federal government’s Thrift Savings Plan will increase to $23,500 . Individuals aged 50 and older can contribute an additional $7,500 in standard catch-up contributions, for a total of $31,000 .

Higher 401(k) Catch-Up Contributions for Ages 60–63:

SECURE 2.0 introduces a special catch-up contribution for individuals aged 60, 61, 62, and 63, allowing catch-up contribution of $11,250 in 2025 as opposed to the standard catch-up provision of $7,500. These contributions can be made on a pre-tax or Roth basis, as permitted by the plan.

IRA Contributions:

For 2025, IRA contribution limits will remain at $7,000 . The IRA catch-up contribution limit for individuals aged 50 and older will also remain at $1,000 .

2. Traditional IRA Tax Advantages:

Tax Deductibility:

Contributions to a Traditional IRA may be tax-deductible, depending on your household income and access to an employer-sponsored retirement plan.

Immediate Tax Relief:

Deductible contributions can lower your taxable income in the year you contribute.

Tax-Deferred Growth:

Growth in a Traditional IRA is tax-deferred until withdrawals, which are taxed as ordinary income.

3. Roth-Only Rule for High-Earner 401(k) Catch-Up Contributions in 2026:

High-Earner Rule:

Starting in 2026, high earners (those earning $145,000 or more in the previous year, indexed for inflation) must make 401(k) catch-up contributions to a Roth account.

Key Takeaways:

Immediate Impact: Contributions are made with after-tax dollars, increasing your taxable income for the year.
Long-Term Benefits: Roth contributions grow tax-free, and qualified withdrawals in retirement are also tax-free. This makes Roth accounts an attractive option for those expecting to be in higher tax brackets in the future.

What You Can Do Now:

Review contribution limits: Confirm the 2025 limits for your specific accounts.
Understand tax implications : Consider how contributing to a Traditional IRA, Roth IRA, or Roth 401(k) fits into your overall tax strategy.
Talk to your employer: Ensure your workplace retirement plan includes Roth 401(k) options if you’re a high earner.
Make your 2024 IRA contributions: 2024 IRA contributions can be done any time before April 15th, 2025, or whenever you file your tax return, whichever is sooner.
Contact your AOG Wealth Management advisor: Your AOG team can help you optimize contributions and tax strategies under these new rules.

Conclusion:

SECURE 2.0 is reshaping retirement planning for 2025, bringing both challenges and opportunities. Whether you're contributing to a Traditional IRA, Roth IRA, or 401(k), staying informed will help you maximize your savings and prepare for a secure retirement. We recommend reviewing these changes with your CPA or tax professional.

Account Maintenance Alert: Fraud Prevention Update from Schwab

Mon, 09 Dec 2024 18:07:18 GMT

Fraud Prevention Update from Schwab

The holidays are upon us, and fraudsters are ready to take full advantage of any opportunity, knowing that we are busy traveling, shopping, and spending time with friends and family.

Schwab has identified new threats targeting clients.

Imposters are posing as Schwab employees and contacting clients via phone and other channels, including email and text messages.

Scammers are also creating fake websites that appear in search results to be trusted institutions, like Schwab. When clients visit these sites, they are exposed to phishing attacks to steal client information and assets.

How can I protect myself?

1) Avoid supplying any personal identifying information in an email or over the phone, even if you think you’re talking to Schwab. These imposters may spoof a Schwab phone number to call the client and then identify themselves as an employee in the fraud department. Hang up immediately and call the customer service number at Schwab Alliance (800) 515-2157, 24/7 helpline (800) 435-4000.

2) If Schwab sends you an SMS text code to verify account access, do not share this with anyone. Legitimate Schwab representatives will never ask for this information.

3) Do not click links in text messages or emails claiming to represent Schwab. Scrutinize email addresses, URLs, and spelling used in any correspondence.

4) Be aware of search engine optimization (SEO) driving clients to fake "Schwab" phishing sites. Fraudsters use sophisticated techniques to create websites that appear in search engines when clients are looking for Schwab or other trusted institutions. The websites are designed to look legitimate, and their position in the search results tricks users into believing the top search hits are the most credible. Go directly to the official website for Schwab, www.schwab.com .

Please contact Schwab and AOG Wealth Management immediately to report all suspicious or fraudulent activity. You may reach out to your AOG Wealth Management team with questions and assistance at 703-757-8020.

AOG Hosts It's Fall Financial Seminar Featuring AOG Institutional Fund, AOGFX

Tue, 12 Nov 2024 17:53:04 GMT

AOG Wealth Management Proudly Hosted its Fall Financial Seminar Featuring AOG Institutional Fund, AOGFX

Get ready for the event of the year! AOG Wealth Management and AOG Institutional Fund (AOGFX) are excited to invite you to our biggest event yet at the prestigious Hyatt. You'll gain first-hand knowledge, and exclusive insights and hear major announcements.

AOG Annual Family Winery Appreciation

Sun, 15 Sep 2024 16:43:53 GMT

AOG Annual Family Event Recap!

Our annual family event was an absolute blast, overflowing with laughter and joy! If you couldn't make it, don’t worry—here are some amazing photos that are sure to bring a big smile to your face. Enjoy the memories!

Welcoming Micah De Campos to our AOG family

Fri, 13 Sep 2024 15:55:04 GMT

Welcoming Micah DeCampos to Our AOG Family

Summer Sizzle 2024 Youth Program Recap

Mon, 09 Sep 2024 17:27:25 GMT

Summer Sizzle - AOG-Youth Program Recap

Northern Virginia Magazine 2024 Top Financial Recognition

Mon, 15 Jul 2024 17:04:28 GMT

Fred is on the list!

TOP FINANCIAL PROFESSIONALS 2024

Fred made the list! We are honored to announce that Frederick P. Baerenz appeared on the Northern Virginia Magazine Top Financial Professionals. Join us in congratulating him.

For a description of the survey methodology, please see the following URL: https://northernvirginiamag.com/best/financial-professionals/

Northern Virginia Magazine's in-house research team vetted the financial professionals that receive the most nominations and will be featured in the September 2024 issue, hitting newsstands on August/September 2024. This annual peer survey was submitted by May 31, 2024. The adviser has provided no compensation in connection with obtaining or using the third-party rating.

The information, analysis, and opinions expressed herein are for general and educational purposes only. Nothing contained in this commentary is intended to constitute personalized legal, tax, accounting, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. Information obtained from third party sources are believed to be reliable but not guaranteed. All opinions and views constitute our judgments as of the date of writing and are subject to change at any time without notice. No consideration or compensation has been received from any firm referenced in the above commentary.

Investment advisory services offered through AOG Wealth Management

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AOG Hosts It's Annual Mid-Year Financial Seminar

Mon, 03 Jun 2024 15:30:31 GMT

AOG Wealth Management Proudly Hosted its Annual Mid-Year Financial Update Featuring Robert Stein, CFA Deputy Chief Economist at First Trust

This year, AOG Was honored to feature Bob Stein as our guest speaker at Morton's The Steakhouse in Reston, VA, on Monday, June 3rd. Bob Stein delivered an exceptional presentation covering key aspects of the election, politics, and the economy. He provided insightful analysis and comprehensive information on these crucial topics.

PRESS RELEASE: AOG Wealth Management Promotes Aaron Rosen To Chief Investment Officer of AOG Institutional Fund (AOGFX)

Thu, 30 May 2024 17:00:49 GMT

PRESS RELEASE: AOG Wealth Management Promotes Aaron Rosen To Chief Investment Officer of AOG Institutional Fund (AOGFX)

Aaron graduated magna cum laude from the Honors Program of Boston University School of Management with a BSBA in Finance and a minor in Economics. He is a Chartered Financial Analyst CFA®. He also serves part-time on several external advisory board roles and is a frequent speaker and panelist at various conferences and events.

AOG Ladies' Luncheon Recap

Wed, 29 May 2024 16:45:13 GMT

AOG Ladies' Luncheon

Our annual ladies' luncheon was a resounding success. If you couldn't attend, here are some captivating photos for you to enjoy!

How To Series: Video #6 Vaults

Tue, 14 May 2024 15:53:16 GMT

WELCOME BACK TO THE EMONEY "HOW TO" SERIES TEACHING YOU EVERYTHING YOU NEED TO KNOW ABOUT EMONEY. ERIN WILL WALK YOU THROUGH SOME OF THE MOST FREQUENTLY ASKED QUESTIONS ABOUT HOW TO ACCESS THE VAULT IN EMONEY.

PRESS RELEASE: Senior Wealth Advisor Lydia Gosselin of AOG Wealth Management Receives Her Certified Financial Planner Certification

Mon, 06 May 2024 15:38:18 GMT

PRESS RELEASE: Senior Wealth Advisor Lydia Gosselin of AOG Wealth Management Receives Her Certified Financial Planner Certification

How To Series: Video #5 How to goals & Explore Mode

Tue, 26 Mar 2024 14:16:31 GMT

WELCOME BACK TO THE EMONEY HOW-TO SERIES, WHICH TEACHES YOU EVERYTHING YOU NEED TO KNOW ABOUT EMONEY. ERIN WILL WALK YOU THROUGH SOME OF THE MOST FREQUENTLY ASKED QUESTIONS ABOUT THE GOALS TAB & THE EXPLORE MODE.

Fed Rate Cuts

Mon, 11 Mar 2024 22:39:36 GMT

Fed Rate Cuts

Fred Baerenz reviews ten charts from Torsten Slok, Apollo Chief Economist, regarding their view on interest rate reductions by the Federal Reserve.

AOG March Madness 2024

Wed, 21 Feb 2024 23:34:50 GMT

Come by the office to enjoy BBQ, drinks, and prizes with your favorite advisors! Support your team and wear your favorite NCAA jersey. There will be games on every TV in the office; make your pick and cheer on your team. You are welcome to bring guests, family & friends. Everyone is welcome!

We will be participating in the Yahoo Tourney Pick'em College Basketball Bracket. Be on the lookout for the link. You don't need to attend the event to join the AOG bracket. If you win, your name will be added to the AOG March Madness Trophy for bragging rights!

Client Services Update: Tax Prep Packet Prep

Mon, 29 Jan 2024 23:27:03 GMT

Client Services Update: Tax Prep Packet Announcement

Tax season is upon us! Please take a glance at our helpful updates below.

Tax Preparation Packets

As a wealth management firm specializing in assisting high-net-worth individuals and businesses with their financial needs, we strive to provide exemplary client service. As a component of that service, we are in the process of preparing your Tax Packet which will be uploaded to your eMoney document vault by February 23rd. If you need assistance with your eMoney login, please reach out to your AOG Relationship Manager or Amanda Pfeifle at 703-757-8020, apfeifle@aogwealth.com . Your Tax Packet may include:

Checklist of tax reporting documents you should expect to receive for only the investments we manage (if applicable)
TD Ameritrade 1099 (if applicable)
Schwab 1099 (if applicable)
TD Ameritrade Cost Basis (if applicable)
Schwab Cost Basis (if applicable)

2024 Contributions

The 2024 maximum contribution to a Traditional or ROTH IRA is $7,000 for those under age 50, and $8,000 for anyone 50 or older. The 401(k) contribution limit is $23,000, with an additional $7,500 contribution allowed for anyone 50 or older.

Partnership Programs

The deadline to issue partnership K-1's to investors is March 15, 2024. We anticipate that investment companies will send packages via hard copy or electronically to clients on or before that date. The tax filing package you receive from those investment companies will include all IRS Schedule K-1s (if applicable).

*Those invested in a Land Development/Conservation Easement will receive Form 8283 and Form 8886 with their K-1.

Please call our office at (703) 757-8020, and one of our client service team members will be more than happy to assist you with any questions.

If you haven’t received a cash distribution for a particular investment you may not receive a tax document. Please be aware that in most cases, investments inside of an IRA do not create taxable events. However, please submit all tax forms to your tax preparer for their review and evaluation. AOG Wealth Management does not provide tax or legal advice. The opinions and views expressed here are for informational purposes only. Please consult with your tax and/or legal advisor for such guidance.

Economic Trends - AOG's Take on Gauging Inflation

Tue, 16 Jan 2024 23:21:07 GMT

Economic Trends

Could 1970's History Repeat Itself? Frederick Baerenz's Take on Gauging Inflation.

PRESS RELEASE: Frederick Baerenz, President & CEO of AOG Institutional Fund, joins Pat Adrian for Nasdaq's premier episode of Fund Focus

Wed, 13 Dec 2023 22:26:11 GMT

PRESS RELEASE : Frederick Baerenz, President & CEO of AOG Institutional Fund, joins Pat Adrian for Nasdaq's premier episode of Fund Focus

AOG Institutional Fund (AOGFX) provides exposure to a mix of registered investment companies and less liquid alternative/non-traditional investments through a closed-end interval fund structure. The fund invests in income-producing assets and assets selected for long-term capital appreciation.

Through its investments in non-publicly traded assets, AOGFX provides an opportunity for accredited investors to access what is generally considered an institutional approach to investing. AOGFX currently features exposure to holdings focused in real estate, private credit, and private equity.

View video here: https://www.nasdaq.com/videos/fund-focus%3A-in-conversation-with-aog-institutional-fund-aogfx

Important Disclosure

No public market for Shares exists, and none is expected to develop in the future.

Investment in the Fund may be made only by prospective investors that are “accredited investors” within the meaning of Regulation D promulgated under the Securities Act.

An investor should consider the Fund’s investment objectives, risks, and charges and expenses carefully before investing or sending money. This and other important information can be found in the Fund’s prospectus. To obtain a prospectus, please 703-757-8020 or visit aogfunds.com. Please read the prospectus carefully before investing.

Investment in the AOG Institutional Fund (“AOGFX Fund”) is speculative and involves substantial risks, including the risk of loss of a Shareholder’s entire investment. Investors may not have immediate access to invested capital for an indefinite period of time and must have the financial ability, sophistication/experience, and willingness to bear the risks of an illiquid investment. An investor’s participation in the Fund is a long-term commitment, with no certainty of return. No guarantee or representation is made that a Fund will achieve its investment objective, and investment results may vary substantially from year to year. Details of these and other risks can be found in the prospectus.

Past performance does not guarantee future results. Diversification does not assure a profit nor protect against loss in a declining market.

The AOG Institutional Fund is distributed by UMB Distribution Services, LLC (“UMBDS”). UMBDS is not affiliated with AOG Wealth Management.

Investment advisory services offered through AOG Wealth Management

For additional important investor information, please visit: https://lnkd.in/g_722RkV

Client Holiday Appreciation

Mon, 20 Nov 2023 22:01:51 GMT

AOG Wealth Management hosted an afternoon of family fun and holiday cheer.

AOG Hosts Dinner Seminar Featuring Carlyle

Thu, 12 Oct 2023 20:34:25 GMT

AOG Wealth Management Proudly Hosted a Client Education Dinner Seminar in October Featuring Carlyle

Our President and CEO, Frederick Baerenz shared some of his insights in his recap video below.

This event was open to all clients and guests. Jason Thomas Head of Global Research & Investment Strategy from Carlyle was our guest speaker.

Fred Baerenz and his Team Competed in this Year’s Jill's House Annual Charity Golf Tournament

Mon, 11 Sep 2023 14:28:14 GMT

AOG in the Community: Jill's House Annual Charity Golf Tournament

On Monday, September 11th, AOG was joined by other golfers and volunteers at International Country Club for a fantastic cause, Jill's House. The Jill's House Golf Classic benefits children with intellectual disabilities and their families by fundraising on behalf of these remarkable families, and almost every year, the AOG staff has participated. This year, AOG was especially thrilled to sponsor a hole. If you are interested in donating, you may do so by clicking on this link. https://secure.givelively.org/donate/jill-s-house-inc/2023-jill-s-house-golf-classic

Banking Challenges Lead to Private Credit Opportunities

Wed, 06 Sep 2023 19:57:28 GMT

Banking challenges lead to private credit opportunities

How To Series: Video #4 Spending Tabs

Wed, 30 Aug 2023 13:31:10 GMT

WELCOME BACK TO THE EMONEY HOW TO SERIES TEACHING YOU EVERYTHING YOU NEED TO KNOW ABOUT EMONEY. ERIN WILL WALK YOU THROUGH SOME OF THE MOST FREQUENTLY ASKED QUESTIONS ABOUT THE SPENDING TABS IN EMONEY.

All for one and one for all!

Wed, 23 Aug 2023 18:20:20 GMT

Take a look at your AOG Team!

We recently held our annual staff meeting to engage, align, inspire, collaborate, and strengthen our team, company culture, and client service.

After an engaging meeting, we visited Axes and O’s axe throwing for our team bonding activity. As always, the spirit of competition was apparent. On this team, we’re all united in a common goal: to win the annual team-building activity. Sure, there’s no ‘i’ in team, but there is an ‘m’ and an ‘e’, and Susan conquered the title.

Northern Virginia Magazine 2023 Top Financial Recognition

Wed, 16 Aug 2023 17:47:03 GMT

TOP FINANCIAL PROFESSIONALS 2023

We made the list! We are honored to announce that Frederick P. Baerenz and James Ortlip appear on the Northern Virginia Magazine Top Financial Professionals. Join us in congratulating them.

Northern Virginia Magazine's in-house research team vetted the financial professionals that receive the most nominations and will be featured in the September 2023 issue, hitting newsstands on August 24, 2023. This annual peer survey was submitted by April 7th, 2023. The adviser has provided no compensation in connection with obtaining or using the third-party rating.

Investment advisory services offered through AOG Wealth Management.

AOG Wealth Management School Supply Drive

Tue, 15 Aug 2023 15:46:23 GMT

Thank you from Dogwood Elementary School!

Thank you for helping us stock local students' school supplies for the upcoming school year! This summer, we were able to hold a fundraiser to collect school supplies for Dogwood Elementary School students in need. We gathered essential items such as tissues, disinfecting wipes, pencils, and crayons, to name just a few to name. Please consider donating materials throughout the year to help students through their academic year. Donations are always welcomed.

New AOG Bond Policy

Thu, 10 Aug 2023 15:53:24 GMT

Due to an unexpected and highly unusual reversal of the policy funding US Govt debt, AOG has changed our bond policy. Check out Fred's video below for more details.

Private Equity or IPO? Potential Benefits and Challenges

Mon, 24 Jul 2023 20:52:55 GMT

Private Equity or IPO? Potential Benefits and Challenges

Frederick Baerenz will walk you through the potential benefits, challenges, and misconceptions about investing in Private Equity.

eMoney How To Series #3

Wed, 12 Jul 2023 20:46:57 GMT

ERIN HOLT IS BACK WITH ANOTHER HOW TO VIDEO ON HOW TO REPAIR LINKS TO YOUR ACCOUNTS IN EMONEY.

Why is the Market Selling Off Today?

Thu, 06 Jul 2023 20:39:30 GMT

Why is the Market Selling Off Today?

Frederick Baerenz shares his insight. Check out the video below.

Sizzling Summer Finance

Thu, 22 Jun 2023 20:33:05 GMT

JOIN US FOR OUR NEW YOUTH PROGRAM!

First Trust Mid-Year Update Client Education Seminar

Fri, 16 Jun 2023 15:14:49 GMT

Client Education Mid-Year Update Dinner Seminar with First Trust

eMoney How To Series #2

Thu, 08 Jun 2023 20:27:16 GMT

ERIN HOLT IS BACK WITH ANOTHER HOW TO VIDEO ON HOW TO LINK YOUR ACCOUNTS IN EMONEY.

Welcome Aboard - Aaron Rosen!

Tue, 06 Jun 2023 20:54:45 GMT

Aaron Rosen joins AOG Wealth Management, the Advisor for AOG Institutional Diversified Fund (AOGFX)

RESTON, VA, UNITED STATES, May 24, 2023/ EINPresswire.com/ -- AOG Wealth Management today announced that Aaron Rosen has joined as the Portfolio Manager for AOG Institutional Diversified Fund (AOGFX), effective April 3, 2023.

Ladies' Luncheon Was A Success!

Mon, 22 May 2023 16:38:16 GMT

AOG's 7th Annual Ladies' Luncheon

We always enjoy spending time with our clients. Every year we have the great opportunity of hosting a luncheon for our female clients. We used dark chocolate to create sculptures to celebrate Cinco de Mayo this year. We hope you enjoy the photos.

eMoney How To Series #1

Thu, 11 May 2023 18:43:17 GMT

ADVISOR ERIN HOLT WALKS YOU THROUGH THE FIRST OUT OF MANY "HOW TO" VIDEOS ON THE BEST WAY TO USE EMONEY.

Frederick Baerenz & AOG Partner with United Charitable

Wed, 03 May 2023 18:57:58 GMT

Gifts that Keep on Giving - Frederick Baerenz & AOG Partner with United Charitable

We are delighted to help clients achieve financial independence for themselves and their families while encouraging generous giving to those in need. Our partnership with United Charitable has been a critical tool in maximizing both tax efficiency and convenience for our clients. United Charitable provides rapid approval for qualified charities, professional monitoring, and the ability to give anonymously when desired.

United Charitable featured our very own AOG staff in their recent video. Check it out!

Navigating Turbulent Waves

Mon, 24 Apr 2023 19:07:20 GMT

James Ortlip shares his perspective on Navigating Turbulent Waves

Click on to the video below to hear the factors AOG is taking into consideration to help guide future investment decisions.

Frederick Baerenz Discusses The Three Principle Indicators of the Correction/Recession

Mon, 27 Mar 2023 20:52:47 GMT

Fred Baerenz shares his perspective on the impending correction/recession.

Blue Vault Bowman Alts Summit 2023

Thu, 23 Mar 2023 17:38:52 GMT

Honored to be Presenters at this Year's

Blue Vault Bowman Alts Summit 2023

Investment advisory services offered through AOG Wealth Management

Let the March Madness Competition Begin

Fri, 17 Mar 2023 20:40:17 GMT

Ready for some basketball?

Now Effective Under 1940 Act and 1933 Act

Tue, 14 Feb 2023 15:29:42 GMT

AOG Institutional Diversified Fund (AOGFX) Now Effective Under 1940 Act and 1933 Act

Only shares of the AOG Institutional Diversified Fund (“Auction Fund”) are available for purchase by eligible investors and will not be listed on any national securities exchange. The Auction Fund is a closed-end tender offer fund. The form of investment structure for this product is commonly known as a “master feeder” structure. The Auction Fund invests substantially all of its assets in the AOG Institutional Diversified Master Fund (the “Master Fund.”) which has the same investment objective and identical investment policies as those of the Auction Fund. Therefore, the Auction Fund’s investment results will correspond directly to the investment results of the Master Fund.

An investor should consider the Fund’s investment objectives, risks, and charges and expenses carefully before investing or sending money. This and other important information can be found in the Fund’s prospectus. To obtain a prospectus, please 877-600-3573 or visit aogfunds.com. Please read the prospectus carefully before investing.

An Investment in the Fund is speculative and involves substantial risks, including the risk of loss of an investor’s entire investment. Investors may not have immediate access to invested capital for an indefinite period of time and must have the financial ability, sophistication/experience, and willingness to bear the risks of an illiquid investment. No guarantee or representation is made that the Fund will achieve its investment objectives, and investment results may vary substantially from year to year. Additional risks of investing in the Fund are set forth below.

Past performance does not guarantee future results . Diversification does not assure a profit nor protect against loss in a declining market.

You should consider the shares to be an illiquid investment. An investor’s participation in the Fund is a long-term commitment, with no certainty of return. No shareholder or other person holding shares acquired from a shareholder has the right to require a Fund to repurchase any shares. No public market for shares exists, and none is expected to develop in the future.

Additional Key Considerations

The portfolio companies in which the Private Markets Investment Funds may invest also have no, or relatively short, operating histories, may face substantial competitive pressures from larger companies, and may also rely on a limited number of key personnel. Additionally, there will generally be no readily available market for the Master Fund’s investments so valuations are difficult and may not necessarily reflect the value of any such investment’s underlying assets. Credit securities are subject to the risk that debt issuers will not make payments, resulting in losses to the Fund, and default perceptions could reduce the value and liquidity of securities. Lower credit quality may affect the liquidity of a security and may lead to greater volatility in the price of a security and in shares of the Fund. Investments in real estate securities are subject to additional risks such as declines in property value and increased susceptibility to adverse economic or regulatory developments. Shareholders will pay the fees and expenses of a Feeder Fund and will indirectly bear the fees and expenses of the Master Fund and accordingly will indirectly bear the fees, expenses, incentive allocations, and carried interest in the case of some of the Private Markets Investment Funds in which the Master Fund invests.

The Auction Fund is distributed by UMB Distribution Services, LLC (“UMBDS”). UMBDS is not affiliated with the AOG Institutional Diversified Master Fund or AOG Wealth Management.

Investment advisory services offered through AOG Wealth Management

AOG Wealth Management is a registered investment adviser (RIA). Registration as a registered investment adviser does not connote a specific level of skill or training. More detail, including form ADV Part 2A filed with the SEC, can be found at AOGWealth.com. Nothing contained in this commentary is intended to constitute personalized legal, tax, accounting, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The asset classes and/or investment strategies described may not be suitable for all investors and investors should consult with an investment advisor to determine the appropriate investment strategy.

Why Allocating to Alts is a Growing Trend

Fri, 10 Feb 2023 16:56:22 GMT

Frederick Baerenz on Why Allocating to Alts is a Growing Trend

Frederick Baerenz was interviewed at by Greg Mausz, Chief Operating Officer, and Senior Managing Director of Skyway Capital Markets

Ares Client Education Seminar

Thu, 26 Jan 2023 21:25:15 GMT

Client Education Dinner Seminar with Ares

AOG Receives a Huge Welcome to Times Square

Fri, 16 Dec 2022 00:43:04 GMT

AOG Receives a Huge Welcome to Times Square

A big thank you to the Nasdaq team for making this a successful visit. What a great way to celebrate our 1 year anniversary since launching the AOG Institutional Diversified Fund (AOGFX). We are looking forward to a productive new year.

Making a mark with Nasdaq!

Wed, 23 Nov 2022 00:28:25 GMT

Making a mark on the Nasdaq!

We have some exciting news we would like to share!

Frederick Baerenz, chief executive of AOG Wealth Management, and Pat Adrian, CFA of Nasdaq were recently interviewed by Institutional Real Estate, Inc. Tune in NOW to hear the podcast!

Nasdaq’s move into private and secondary markets

Patrick Adrian of Nasdaq and Fred Baerenz, chief executive of AOG Wealth Management, join the program to explain Nasdaq Private Market and its ability to create an integrated secondary market for sponsored funds, offering a liquidity option to advisers and their high-net-worth clients who have private equity and other alternative investments in their portfolios. The program is also offering a qualified matching service that gives investors the option of putting their holdings up for auction. Here is what Adrian and Baerenz had to say. Download AOGFX Quarterly Report .

The information, analysis, and opinions expressed herein are for general and educational purposes only. Nothing contained in this commentary is intended to constitute personalized legal, tax, accounting, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. Past performance is not indicative of future results. Information obtained from third party sources are believed to be reliable but not guaranteed. All opinions and views constitute our judgments as of the date of publication and are subject to change at any time without notice. For more detailed information about the Fund’s performance, please see the attached Fund Fact Sheet.

Let's Mingle and Jingle

Fri, 11 Nov 2022 00:18:13 GMT

Let's Mingle and Jingle!

We're changing things up. New space, new celebration. You and your family are invited for an afternoon of family fun. Join us for some holiday cheer at the AOG offices.

Come for the food, drinks, games, and prizes. Stay for the ice skating & more. Fun for the entire family.

Visit Your AOG TEAM at a Community TRICK-Or-TREAT Spooktacular

Thu, 27 Oct 2022 23:05:26 GMT

Celebrate Great Falls 2022 Halloween Spooktacular!

VISIT YOUR AOG TEAM AT A COMMUNITY TRICK-Or-TREAT

WHAT YOU CAN EXPECT THIS YEAR:

Your AOG Team in Scooby Doo Costumes: Freddie, Daphne, Thelma, Shaggy, Scooby Doo and even the Mystery Bus can be spotted at the AOG table.

1500 AOG "Scooby Doo Treats"- Chocolate Hershey Bars will be handed out to Trick-or-Treaters.

New CLIENT PORTAL LAUNCH

Tue, 27 Sep 2022 22:52:57 GMT

New ORION CLIENT PORTAL LAUNCH

Our team at AOG Wealth Management is always looking for ways to improve our service. One of the most important tools for us to do this is the online client portal. Through it, you have anytime access to your investment portfolio. We are excited to announce that within the next few weeks, Orion will be upgrading their portal to provide a more consolidated and seamless experience.

HERE'S WHAT YOU CAN EXPECT:

A New, Modern Interface: How we interact with the many screens around us is always evolving and improving. The new interface takes advantage of the latest trends to provide you with a sleek, modern experience.

All Your Data: All of your most important data will still be available once we upgrade.

The Same Credentials: Your login credentials, as well as the link you use to access your portal, will remain the same.

YOU CAN LEARN MORE HERE:

AOG Sponsors Celebrate Great Falls Concert on the Green

Wed, 21 Sep 2022 18:38:48 GMT

Concert on the Green

Photos From

Mike Terpak Blues Explosion

Hosted by AOG Wealth Management

Empowering Our Community to Lead Abundant Lives

Utilizing Our Time, Talents and Treasures to Serve Our Community

AOG Wealth Management Announces New Firm Logo

Mon, 19 Sep 2022 18:20:32 GMT

PLANNING FOR YOUR

WORK-OPTIONAL LIFESTYLE

AOG Wealth Management Releases New Firm Logo Reflecting Company's New Location, Broader Opportunities and Consistent Focus on Helping Clients Lead Abundant Lifestyles.

NEWS PROVIDED BY

AOG Wealth Management

SEP 15, 2022, 0930 ET

Reston, VA Sep. 15, 2022 -- AOG Wealth Management, an established company in the Finance Industry, has launched a new logo that resonates with a fresh contemporary look. This updated logo incorporates the AOG letters inside an open frame. The frame identifies AOG's solid and dependable framework over the past 25 years, while the sides open to reflect AOG's innovative and expanding investment strategies that go well beyond the normal stock and bond portfolio. The change to a more vibrant green also reflects AOG’s vitality and growth, with a subtle nod to AOG’s future in the arrow at the tip of the letter G.

During the past 25 years, AOG Wealth Management has been providing a customized, intelligent approach to financial planning & investment management in Northern Virginia. As an independent firm, AOG works exclusively for your best interests, providing an alternative to the Wall Street firms.

Energized by this AOG 2030 venture, and AOG's recent relocation, AOG has expanded its staff and broadened its target market. Combining personalized services with online investment and budgeting tools, AOG works to keep pace with today's digital marketplace. New clients looking for Wealth Management Services are more tech savvy and looking for a different client experience, so with the availability of virtual meetings and online investment and budgeting programs, AOG has kept pace with the needs of this younger, more diverse clientele. The new AOG logo helps accent the AOG experience from brand to website to social media to office space – it captures the dynamic new AOG experience.

SOCIAL MEDIA

Our updated social media platforms take advantage of interactive technologies to maximize shared ideas, information, and events through virtual communities and networks. Check out the new look of our Facebook, Linked In, Pinterest, and Twitter Platforms.

STRATEGIC TAX PLANNING & INVESTING FOR 2022

Thu, 15 Sep 2022 22:38:55 GMT

STRATEGIC TAX PLANNING

& INVESTING FOR 2022

DINNER SEMINAR

AOG Mid-Year Update Seminar Recording

Mon, 12 Sep 2022 21:28:38 GMT

MID-YEAR MARKET UPDATE

Recording Available Now

Northern Virginia Top Financial Professionals 2022

Fri, 09 Sep 2022 20:43:25 GMT

2022 Top Financial Professionals List

Northern Virginia Magazine Top Financial Professionals in Northern Virginia (2021) Methodology: To compile the Top Financial Professionals listing, we sent surveys to all Northern Virginia financial professionals, asking them to recommend other financial professionals whom they would refer to friends and family. Those on the listing received the most nominations. Although some Top Financial Professionals winners choose to advertise in the magazine, they cannot pay to be included on the list. This listing and the advertising section are separate entities. https://northernvirginiamag.com/best/financial-professionals/

AOG Sponsors Concert on the Green

Mon, 15 Aug 2022 20:28:49 GMT

SUN, AUG 28

6pm - 8pm

AOG Wealth Management is a proud sponsor of

Celebrate Great Falls Concert on the Green.

Join us for a free, live concert.

Pack up the kids, a blanket, and your lawn chairs.

AOG Mid-Year Update

9/7/2022

AOG Tax Symposium

10/26/2022

2022 MID-YEAR MARKET UPDATE

Mon, 08 Aug 2022 20:08:57 GMT

AOG Wealth Management Presents

Ruth's Chris Steak House

8521 Leesburg Pike

Tysons Corner, VA

Wednesday, September 7th

Seating 6:00 PM

Presentation 6:30 PM

LOOKING FOR ANSWERS?

How high will the Fed raise interest rates this year?
Are we in a recession?
If we are in a recession or heading toward one, will it be mild or severe?
Has the market bottomed, and if not, when will it?
When will inflation get back under 3%?

THIS EVENT IS OPEN TO ALL CLIENTS AND GUESTS - AS WELL AS LIVE STREAMING. If you have a guest whom you think may be interested in attending this event, we encourage you to invite them!

Economic Update Bulletin

Thu, 26 May 2022 19:38:59 GMT

Economic Update Bulletin

Recession Unlikely in 2022

16 May 2022

The consensus among economists puts the odds of a recession starting sometime in the next year at 30%, according to Bloomberg’s most recent survey. No wonder the S&P 500 is deep in correction territory and flirting with an official bear market.

We think the near-term pessimism is overdone. Yes, a recession is likely on the way, but it probably has about two more years before it arrives, which means corporate earnings have plenty of room to exceed expectations in the year ahead and for equities to rebound before year-end.

Plenty of reasons suggest we are not about to have a recession that starts in 2022 or early 2023.

First, the most probable cause of the next recession is the tighter monetary policy needed to wrestle inflation under control. But, so far, monetary policy isn’t tight. The Federal Reserve has raised short-term interest rates by less than one percentage point and, although it’s been announced, Quantitative Tightening has yet to start. Yes, the growth in the M2 measure of the money supply has slowed recently, but the time lag between tighter money and slower economic growth should be at least twelve months.

Second, tax rates haven’t gone up and are increasingly unlikely to do so anytime soon. The gradual demise of the President’s Build Back Better agenda means tax rates remain at the lowered levels set by the Tax Cuts and Jobs Act, which was enacted in 2018.

Third, although businesses are replenishing inventories at a rapid pace – a pace that will eventually slow and then reduce the real GDP growth rate – the level of inventories at manufacturers, retailers, and wholesalers are still very low relative to sales, which means plenty of room for businesses to keep restocking shelves and showrooms in the months ahead.

Fourth, although higher mortgage rates will almost certainly be a headwind for home sales in the months ahead, home builders have under-built housing in the past decade, and so total home construction should not falter significantly.

Fewer home sales, yes, but rental units have to be built, too.

Fifth, there were 11.5 million job openings as of March compared to 7.0 million immediately prior to COVID. Demand for workers remains robust.

Some investors fear that the rise in long-term interest rates and drop in stocks, all by themselves, represent a form of financial tightening that could tip the economy into recession, but the size of the recent movements in financial markets have not been automatically linked with recessions in the past.

Meanwhile, debt service costs are low for both consumers and US companies. As of the fourth quarter, consumers needed to use only 14.0% of their after-tax incomes to meet their financial obligations, which are debt service payments plus rents and payments for car leases and similar costs. For comparison, that’s lower than it ever was pre- COVID, dating back to at least 1980.

We track the debt securities and loans of nonfinancial companies relative to their assets as well as their net interest payments relative to their profits. Both measures are low by historical standards.

Again, we want to be clear that we are not dismissing the risk of a recession. We think one is on the horizon given the overly loose stance of monetary policy in the past couple of years, and the response necessary to correct the resulting inflation. But market pessimism has gotten ahead of itself and there is room for economic news to come in better than expected in the immediate year ahead.

Brian S. Wesbury – Chief Economist

Robert Stein, CFA – Dep. Chief Economist

Downloadable version

This material is issued by First Trust Global Portfolios Management Limited (“FTGPM”) of Fitzwilliam Hall, Fitzwilliam Place, Dublin 2, D02 T292. FTGPM is authorised and regulated by the Central Bank of Ireland (“CBI”) (C185737).

Consensus forecasts come from Bloomberg. This report was prepared by First Trust Advisors L. P., and reflects the current opinion of the authors. It is based upon sources and data believed to be accurate and reliable. Opinions and forward looking statements expressed are subject to change without notice. This information does not constitute a solicitation or an offer to buy or sell any security. Nothing contained herein constitutes investment, legal, tax or other advice and it is not to be solely relied on in making an investment or other decision, nor does the document implicitly or explicitly recommend or suggest an investment strategy, reach conclusions in relation to an investment strategy for the reader, or provide any opinions as to the present or future value or price of any fund.

INSIGHTS: Orion Two/Multi-Factor Authentication Rollout

Mon, 09 May 2022 19:18:02 GMT

INSIGHTS: Orion Two/Multi-Factor Authentication Rollout

Erin Long, CFP®

Wealth Advisor

On June 1st, AOG plans to implement Orion's Two-Factor Authentication (2FA), also known as Multi-Factor Authentication (MFA). It will be mandatory when logging into Orion and is required for all levels of logins. This policy is in place to help protect your sensitive data and information. Each user is granted access to Orion after successfully presenting two pieces of information.

After initial setup, in addition to entering your username and password when logging in, you'll also be asked to enter a registration code for 2FA. You'll be able to select whether this code is sent to you through a text message or a notification to your email. After entering the code, log into the system as usual.

Click the Two/Multi-Factor Authentication Overview link to review the user experience upon logging in, how to make changes to authentication information (if necessary), and troubleshoot common things that may occur during the setup process.

Disclaimer:

AOG Wealth Management is a Registered Investment Adviser (RIA). Registration as an adviser does not connote a specific level of skill or training. More detail, including form ADV Part 2A filed with the SEC, can be found at AOGWealth.com. Nothing contained in this commentary is intended to constitute personalized legal, tax, accounting, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The asset classes and/or investment strategies described may not be suitable for all investors and investors should consult with an investment advisor to determine the appropriate investment strategy. Information obtained from third party sources are believed to be reliable but not guaranteed. All opinions and views constitute our judgments as of the date of writing and are subject to change at any time without notice. No consideration or compensation has been received from any firm referenced in the above commentary.

Admin Day the AOG Way!

Wed, 27 Apr 2022 19:07:40 GMT

Admin Day the AOG Way!

Happy Admin Day April 27, 2022 to all Administrative Professionals. This is why we have such a dedicated group of professionals at AOG. No opportunity is missed to celebrate our employees and Admin Day is a great opportunity to let our team know how thankful we are for all of their hard work. Breakfast, Flowers, Bundt Cakes, and Office Decorations made for a wonderful morning surprise.

2022 Foundation Fighting Blindness VisionWalk

Wed, 20 Apr 2022 18:47:57 GMT

2022 VisionWalk

Fred Baerenz and AOG invite you to join in the walk to fight blinding diseases.

"Fred has generously used his personal experience with vision loss to tirelessly serve and connect others in hopes of a brighter future. VisionWalk has had a tremendous financial impact on the ground-breaking research in the field of research, but just as critical is the impact Fred’s work has had on building community for those who often feel isolated or robbed of their independence from vision loss."

- Kristi Wass, Director, Events Foundation Fighting Blindness

The 17th Annual

Washington DC Metro VisionWalk

will be held on Saturday, April 30, 2022

at the Lincoln Memorial

AOG's Annual Ladies Luncheon

Wed, 06 Apr 2022 18:04:39 GMT

AOG's Annual Ladies Luncheon

Join us in person for this jewelry-making event while nibbling on tasty treats. Come alone or bring a friend. Learn firsthand from a local artist how to create unique pieces of jewelry. Each attendee will be able to personally design and create a pendant, bracelet, and earrings Please RSVP by April 22nd.

Friday, May 6th

12:30PM - 2:30PM

@ The Lake House

11450 Baron Cameron Ave

Reston, VA

A girl can never have too much jewelry!

2022 AOG March Madness Bracket

Thu, 03 Mar 2022 17:30:00 GMT

2022 AOG OPEN HOUSE

INSIGHTS: eMoney Explore Mode

Mon, 28 Feb 2022 17:24:17 GMT

eMoney Explore Mode

Erin Long, CFP®

Wealth Advisor

Check out Explore Mode on your personal financial website

The Goals page of your personal financial website was just updated with a powerful new feature called Explore Mode.

When you enable Explore Mode, you can edit your goals and see the impact of those changes in real-time. For example, you can see how your financial picture will be impacted by increasing your savings by 10 percent. Or how long it would take to make a dream purchase you’ve been considering.

The best part is it won’t impact anything we’ve built together—Explore Mode has no impact on your existing plan or facts. Download this guide to learn more about Explore Mode, then log in and check it out today!

Disclaimer:

Tax Prep Packets Update

Tue, 22 Feb 2022 16:41:01 GMT

Tax Prep Packets Update

2022 Client Services Update: Tax Prep Packets

Thu, 10 Feb 2022 16:32:49 GMT

Client Services Update: Tax Prep Packets

INSIGHTS: Financial Planning

Mon, 10 Jan 2022 16:19:33 GMT

Financial Planning

Erin Long, CFP®

Wealth Advisor

Disclaimer:

Celebrate Great Falls Spooktacular Recap

Mon, 13 Dec 2021 19:34:25 GMT

We hope you had a safe, happy, and enjoyable holiday! AOG Wealth Management was thrilled to participate in the Celebrate Great Falls Halloween Spooktacular. We spent hours handing out complimentary chocolate bars to our Great Falls neighbors at the Village Centre Green. We were able to capture some of the fun moments below.

Holiday Mix and Mingle Client Appreciation Cocktail Celebration

Mon, 13 Dec 2021 19:00:15 GMT

Join Us!

Holiday Save the Date!

Mon, 13 Dec 2021 18:44:19 GMT

Save the Date!

Client Education Webinar Hosted by ABR Dynamic Funds

Thu, 11 Nov 2021 18:15:55 GMT

Join Us For This Informative Webinar

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Fred Baerenz's Insight: Tax Planning Strategies for 2021

Thu, 14 Oct 2021 17:01:18 GMT

Don’t be unprepared for 2021 tax changes. Whether you are looking for strategies to maximize deductions and reduce your tax burden, re-position your retirement funds to achieve better risk-adjusted returns, or utilize robust retirement plans to maximize pre-tax investments for your individual needs, our panel of experts will get answers to your questions.

STRATEGIC TAX PLANNING & INVESTING PANEL FOR 2021

Fri, 01 Oct 2021 16:44:11 GMT

STRATEGIC TAX PLANNING & INVESTING PANEL FOR 2021

Nothing In This World Compounds Like Giving

Wed, 22 Sep 2021 16:32:54 GMT

Nothing In This World Compounds Like Giving

Lydia Gosselin

Wealth Advisor, Client Service Manager

If you have been giving regularly to causes you and your family support, have you been giving in the most efficient way? There are creative ways to plan your regular giving through the following ways:

Qualified Charitable Distributions (QCD):

A Qualified Charitable Distribution (QCD) can be made directly from your Retirement Account to a 501(c)(3) organization and can also count towards the Required Minimum Distributions if you are taking it currently or when you must take a distribution at age 72. You can direct the gifts to the charities you support. The benefit of gifting from a retirement account is to allow direct gifting of funds that have grown tax-deferred for many years.

Donor Advised Fund (DAF):

A donor-advised fund can be funded with cash, highly appreciated securities, life insurance and real estate. The gift is made to the nonprofit organization (i.e.: United Charitable) and the amount is deducted in the same year as with other charitable giving. The difference is that you can postpone giving the funds to specific charities until the next year or even years after while the funds are invested and growing. This allows you have time to consider your overall giving strategy and further research the causes you and your family wish to support.

Direct Stock Gifts:

Gifting appreciated stock directly from a non-qualified account to a charity may also be an option for you to consider. You can realize the tax deduction while reducing your overall potential tax liability.

Reach out to ask us more about creative philanthropy solutions that would best meet your goals! We would be happy to put together a strategic giving plan for you and your family working together with your tax advisor as well.

Sources:

¹ Giving USA 2021

Disclaimer:

You’re Not Too Young to Think about Estate Planning

Mon, 23 Aug 2021 20:54:42 GMT

You ’re Not Too Young to Think about Estate Planning

Amanda Pfeifle, FPQP™

Client Service Specialist

Disclaimer:

AOG Sponsors Concert on the Green

Tue, 17 Aug 2021 18:57:36 GMT

AOG Wealth Management is a proud sponsor of Celebrate Great Falls Concert on the Green. Join us for a free, live concert. Pack up the kids, a blanket, and your lawn chairs.

Mid-Year Market Update Dinner @ Morton's in Reston, VA!

Tue, 17 Aug 2021 18:21:06 GMT

AOG Wealth Management Presents

First Trust Mid-Year Market Update

Tuesday, September 14th

Seating 6:00 PM

Presentation 6:30 PM

Morton’s Restaurant

11956 Market St, Reston, VA

LEARN ABOUT:

Have questions about President Biden’s Tax Plan?
Wondering how this will potentially affect the economy, estate planning, and investments?
This economic update can answer your questions.

All Clients & Guests are Welcome. If you have a guest whom you think may be interested in attending this event, we encourage you to invite them!

2021 Seminar Schedule

INSIGHTS: Dollar Cost Averaging: A Brief Guide

Tue, 27 Jul 2021 00:55:54 GMT

Dollar-Cost Averaging: A Brief Guide

Erin Long, CFP®

Wealth Advisor

RECAP Celebrate Great Falls 4th of July

Mon, 19 Jul 2021 21:48:40 GMT

RECAP Celebrate Great Falls 4th of July

We hope you had a safe, happy, and enjoyable holiday! AOG Wealth Management was honored to participate in the Celebrate Great Falls 4th of July Hometown Celebration and Parade. We spent hours handing out complimentary cotton candy and popcorn to our Great Falls neighbors at the Village Centre Green. We were able to capture some of the fun moments below. As you can see, Sheila was a hit and became our official confectioner.

INSIGHTS: 2021 Tax Strategies – Why to Start Planning Now

Wed, 14 Jul 2021 23:36:07 GMT

2021 Tax Strategies – Why to Start Planning Now

Amanda Pfeifle, FPQP™

Client Service Specialist

There is more you can do now to prepare for next year’s tax filing besides contributing to your IRA, collecting relevant documents, and making your quarterly estimated payments. Making strategic investments during the 2021 tax year could provide credits on your next return. Planning early can help you maximize the opportunities at your disposal and ease the pain to your wallet during that April scramble.

Let’s start by reviewing IRA and 401k contribution limits. For those under the age of 50, the 2021 contribution limit for both Traditional and Roth IRAs is $6k. For those over 50, the maximum contribution is $7k. You can contribute up to the maximum any time between January of the current year and the following April tax filing deadline unless you file early. Contribution limits for 401ks are much higher, with $19.5k allowed for those under 50 and a $26k maximum for those over 50. Keep in mind that your ability to contribute to a Roth IRA phases out as your income increases, and there is no tax credit for Roth contributions since those dollars have already been taxed.

Pro tip: Consolidate old 401k accounts from previous employers by rolling them into one IRA for easier access and more robust investment options. Be sure to verify the IRA type (Traditional vs Roth) before rolling funds.

Now on to the fun part—utilizing tax optimization strategies. While AOG Wealth Management does not offer tax advice, our firm works closely with CPAs throughout the year to determine the most tax-efficient strategies to optimize investment portfolios. Given the recent proposals to raise federal tax rates for both ordinary income and capital gains, you may be interested in exploring AOG’s tax mitigation strategies for small businesses and individuals, especially those who are high-income earners or who expect to recognize significant capital gains. Besides routine strategies such as gain and loss harvesting or Roth conversions, investments in unique opportunities such as land conservation and development, natural resources, or the economic development of Opportunity Zones could reduce your tax obligation significantly. These strategies must be implemented within the current tax year to be applicable at filing time, so it is important to consult with your CPA and an AOG Advisor to determine how your precise tax situation would be impacted.

Want to learn more? You can speak with any financial advisor at AOG for details about all our tax optimization strategies and to determine whether these strategies fit your financial goals and needs.

Disclaimer:

AOG Ladies Luncheon Photos

Tue, 15 Jun 2021 14:36:11 GMT

Thank you from AOG!

AOG's Dinner Seminar Featuring Black Creek Group

Wed, 19 May 2021 15:44:40 GMT

Join AO G Wealth Management for our 1st IN-PERSON
Client Education Dinner Seminar of 2021 Featuring

McCormick & Schmick's

Seafood Restaurant

11920 Democracy Dr

Reston, VA 20190

Thursday, June 10th

Seating 6:00 PM

Presentation 6:30 PM

Our presenter for this event is Dr. Glenn Mueller, Ph.D., Real Estate Investment Strategist for Black Creek Group. He will discuss the market outlook for commercial real estate and why they believe commercial real estate will continue to be an attractive asset class for investors.

LEARN MORE ABOUT:

• Potential benefits of income producing commercial real estate as a part of the diversified client portfolio

• Where commercial real estate sub sectors are in the market cycle

• Factors that drive real estate valuations

• Historical returns of commercial real estate

Black Creek Group is an experienced commercial real estate investment management firm that has bought or built more than $21 billion of properties over its 25-year history.

If you have a guest who you think may be interested in attending this event, we encourage you to invite them! Please RSVP by Monday, June 7th by emailing Susan White at swhite@aogwealth.com or calling 703-757-8020.

We hope to see you there!

AOG's Ladies Luncheon

Fri, 07 May 2021 18:50:18 GMT

As a client of AOG Wealth Management, we would like to invite you to join us in person for drinks, appetizers, and tons of laughter for this year’s Ladies Luncheon. Just like the popular Netflix show Nailed It, we invite you to show off your cake decorating skills. You will need to replicate a professionally decorated cake within the allowed timeframe.

Thursday, June 3rd

1:00 PM- 3:00 PM

Cookology Dulles Town Center

21100 Dulles Town Circle

Sterling, VA 20166

Limited Capacity Available so RSVP to swhite@aogwealth.com or 703-757-8020 as soon as possible

Starwood Real Estate Income Trust Webinar Event Hosted by AOG Wealth Management

Thu, 06 May 2021 16:26:04 GMT

Starwood Real Estate Income Trust Webinar Event Hosted by AOG

A Fresh Approach to Real Estate Investing

Starwood Real Estate Income Trust leverages Starwood Capital Group’s proven track record of investing in high-quality real estate, its deep knowledge of the markets where it invests, and its creativity applied to property level value creation.

Our investment strategy is to acquire a diversified portfolio of high-quality, stabilized, income-producing real estate

March Madness Winner

Tue, 20 Apr 2021 16:21:55 GMT

It's been a fun journey with lots of ups and downs. Take a look at past winners and help me congratulate our newest titleholder.

2021 IPA Connect Due Diligence Symposium Recap

Wed, 14 Apr 2021 20:01:15 GMT

2021 IPA Connect Due Diligence Symposium Recap

I was honored to be a part of the 2021 IPA Connect Due Diligence Symposium: 1031 Exchanges & Qualified Opportunity Zones panel to discuss insights and challenges seen in the DST/1031 market. If you are interested in learning more please contact me at www.AOGWealth.com

AOG's Webinar Featuring Sharespost

Thu, 08 Apr 2021 17:07:38 GMT

AOG Wealth Management Presents Sharespost

Sharespost 100 Client Education Event
Thursday, Apr 22, 2021 6:30 PM - 7:30 PM (EDT)

Please join my meeting from your computer, tablet or smartphone.
https://www.gotomeet.me/FrederickBaerenz/sharespost

You can also dial in using your phone.
United States: +1 (571) 317-3122
Access Code:777-818-325

New to GoToMeeting? Get the app now and be ready when your first meeting starts: https://global.gotomeeting.com/install/777818325

Your Access Point to Private Growth Companies including some of the following funds

Highlights from FactRight's 2021 Spring Due Diligence Conference

Thu, 08 Apr 2021 16:37:44 GMT

Highlights from FactRight's 2021 Spring Due Diligence Conference

I attended FactRight's 2021 Spring Due Diligence Conference and wanted to share some updates with you. For more details, you may visit http://blog.factright.com/2021-spring-conference .

AOG's Webinar Featuring Pomona Capital

Thu, 04 Mar 2021 17:58:15 GMT

Join us for our 2nd Client Education Webinar Event!

Pomona Capital Client Education Event

Thu, Mar 18, 2021 6:30 PM - 7:30 PM (EDT)

Please join my meeting from your computer, tablet or smartphone.

https://www.gotomeet.me/FrederickBaerenz/pomonacapital

You can also dial in using your phone.

(For supported devices, tap a one-touch number below to join instantly.)

United States: +1 (312) 757-3121

- One-touch: tel:+13127573121,,991918949#

Access Code: 991-918-949

New to GoToMeeting? Get the app now and be ready when your first meeting starts: https://global.gotomeeting.com/install/991918949

2021 Webinar/Seminar Client Education Schedule

Tue, 02 Feb 2021 17:04:14 GMT

2021 Webinar/Seminar Client Education Schedule

MARK YOUR CALENDARS!!!

Bain Capital Client Education Webinar Event

Fri, 22 Jan 2021 18:28:07 GMT

AOG Wealth Management Presents Bain Capital,

Join US for our first event in our 2021 AOG Wealth Management

Client Education Webinar Series with Bain Capital.

Bain Capital is one of the world’s leading private multi-asset alternative investment firms with approximately $105 billion in assets under management. Founded in 1984 and with 21 offices worldwide, Bain Capital pioneered a consulting-based approach to investing, partnering closely with management teams to offer the insights that challenge conventional thinking, build great businesses and improve operations.

If you have a guest who you think may be interested in attending this event, we encourage you to invite them!

Replay of Mid-Year Market Update with CEO of First Trust Portfolios, Jim Bowen

Thu, 29 Oct 2020 13:55:48 GMT

Replay of the September 23, 2020 Client Education Webinar

Please Enjoy this Replay of the AOG Mid-Year Update with Jim Bowen, CEO of First Trust Portfolios.

2020 Invest in Others Global Impact Announcement

Thu, 01 Oct 2020 19:25:18 GMT

On Wednesday, September 23rd, Invest in Others announced the winner for the 2020 Global Impact Award.

The 3 finalists were:

1. Frederick Baerenz with David’s Hope International

2. Gerard Duphiney with Mission Madera

3. Michael Martin with Be Like Brit

The winner of the Global Impact Award for 2020 is Michael Martin representing Be Like Brit!

Fred and the AOG team want to congratulate Gerard and Michael for being nominated in this category, and Michael specifically for being the 2020 winner! Fred is happy to know that the children in Haiti will be further supported by both Michael & Be Like Brit through this win.

Invest in Others also made the surprise announcement that, due to the generosity of the sponsor companies in 2020, Invest in Others will be increasing the finalists’ awards from $10,000 to $15,000! Fred was excited to hear that news as it will increase the impact for the children at Camp Brethren in Eburru, Kenya.

Please enjoy this video from the IiO ceremony on September 23rd!

Press Release: Fred Baerenz Nominated for Invest in Others Global Impact Award!

Thu, 10 Sep 2020 20:36:24 GMT

AOG is Proud to Announce that Fred is 1 of 3 Finalists in the Global Impact Category!

Click here for the details via the press release: https://markets.businessinsider.com/news/stocks/frederick-baerenz-founder-of-aog-wealth-management-nominated-for-invest-in-others-award-1029573468#

IRS Provides for Reversal of 2020 RMD’s

Tue, 11 Aug 2020 18:45:16 GMT

Jim Ortlip explains a lesser-known benefit of the Cares Act.

As our Federal government continues to identify ways to strengthen and support the economy during this unprecedented chapter in our country’s history, I want to call attention to a timely action item for some of our clients.

The Coronavirus Aid, Relief and Economic Security Act (Cares Act) was signed into law on March 27, 2020 and among other provisions, it provided favorable loans to small businesses and stimulus checks to taxpayers meeting certain income thresholds.

Another less noticed benefit of the Cares Act was the suspension of the 2020 Required Minimum Distribution (RMD). An RMD is an annual distribution that must be taken from a participant’s retirement account beginning in the year in which the participant turns 72. Since the penalty for not taking an RMD in any year is very punitive (Taxpayer must pay a 50% penalty on any undistributed portion of their RMD) retirement plan participants subject to an RMD will often take their distribution early in the year so they can check it off their “to do” list. The Cares Act initially only waived RMDs for those who had net yet taken the RMD, unfairly penalizing taxpayers who had already taken the withdrawal. The initial Cares Act rule did not include a provision for participants to reverse the RMD they had taken prior to the implementation of the new rule.

Early on the IRS identified this glitch and finally on June 23, 2020, the IRS issued Notice 2020-51 which clarified that anyone that had taken their RMD for 2020 and wished to reverse the RMD and put it back into their retirement account can do so if they compete the reversal by August 31, 2020. This rule also applies to owners of beneficiary IRA’s that have taken their 2020 RMD but wish to return the funds to the retirement account.

However, there is one further special consideration regarding tax withholding. Most participants that are subject to an RMD have a certain amount automatically withheld for federal and state income taxes so that they don’t have to write a big check on April 15th. For instance, if a participant takes an RMD of $1000 and withholds $200 for federal income tax liability, the net amount the participant receives is $800. If the participant returns only the $800 to their qualified plan, they have still made a $200 taxable distribution, even though that money was sent to the Treasury as a tax payment. To avoid tax on any of the withdrawal, the participant will need to replace the full $1000. They will then recoup the other $200 when they file their taxes for the 2020 tax year in 2021.

Please feel free to call AOG if you have any questions regarding the Cares Act or the reversal of 2020 RMD distributions.

Disclaimer:

Mid Year Market Update VIRTUAL SEMINAR EVENT with Jim Bowen

Thu, 06 Aug 2020 14:30:27 GMT

DATE AND TIME: 9/23/2020, 7:00PM (EDT)

AOG will be sending out informational packets prior to the event , so please RSVP for this WEBINAR by Thursday, September 16 to make sure you are included.

SWhite@AOGWealth.com

or call (703) 757-8020

AOG Back in the Saddle (er...Office) Again!

Tue, 07 Jul 2020 16:04:32 GMT

At last, back at 10130E Colvin Run!

In celebration on being back in the office, here is a picture of the AOG team having a socially distanced group lunch hosted by our good friends at Dante Ristorante on their patio.

Great food and great company. Now, we are looking forward to connecting with you either via webcam or via a socially distanced office meeting. Hope to see you soon!

Happy 4th of July from AOG Wealth Management!

Fri, 03 Jul 2020 20:40:26 GMT

This is a subtitle for your new post

For two hundred and forty four years we have celebrated the July 4, 1776 signing of the Declaration of Independence with parades, picnics and fireworks. Even a global pandemic cannot repress the American Spirit of Freedom to self-govern, worship, assemble and speak disparate views in the public square.

AOG Wealth is happy to support our local community in this enterprise....with some prudent modifications. Instead of a crowd gathering in town with floats and marching ensembles circling the square, we will have stationary exhibits and routines with attendees driving by the displays.

Please join us in the celebration from the safety of your vehicle. If not, we hope you enjoy your own celebration at home! Happy Independence Day!

From our Friends at the Celebrate Great Falls Foundation

Dear Neighbor -

As you know, we had to cancel our 4th of July Parade, Hometown Celebration and Fireworks this year due to the COVID-19 restrictions. But, great news! We have found a way to celebrate this special day by holding a Drive-Thru Celebration which allows for compliance within those COVID-19 guidelines.

Our 4th of July Drive-Thru Celebration will take place on Saturday, July 4th from 10-11am in the neighborhood behind Turner Farm Park. Neighbors there have volunteered to partner with local Great Falls organizations to put up patriotic displays in their yard for Great Falls residents to enjoy from the safety of their own car as they drive through the neighborhood. Would you like to be a part of this celebration? We need enthusiastic neighbors to create and put up patriotic displays along the route! If your family, group of friends, neighborhood or local organization would like to be a part of our celebration, check out the guidelines below and let us know!

Drive-Thru Celebration Participant guidelines:

• All displays must be set up the morning of July 4th unless permission from the homeowner has been obtained to set up earlier.

• Participants are encouraged to make their display interactive. Dancing, singing, music, etc. is encouraged.

• All displays must be approved for placement in the homeowner's yard or driveway. We strongly recommend discussing plans with the homeowner prior to July 4th to ensure a smooth set up.

• All participants should remain 6 feet apart from other participants at all times

• Masks and hand sanitizer are strongly encouraged but not required (per the Commonwealth of Virginia’s direction).

• Participants should not throw or give out anything to spectators.

• All displays must be completely cleaned up and trash removed from premises by 2pm unless permission from the homeowner has been obtained. (Please bring your own trash bags).

• Awards will be announced via Facebook and Instagram and the traditional trophy available for pick up at The Old Brogue later that afternoon.

• We are also in need of Drive-Thru Hosts (to keep traffic moving) and a Clean Up Crew (to walk the neighborhood afterwards to ensure no trash is left behind).

If you are interested in participating, please respond back to erinlobato@celebrategreatfalls.org with the following information:

• Name:

• Organization Name:

• Day of Event Cell Phone:

• Email:

• Brief Description of your display:

• Any questions or suggestions:

• Names of anyone who can help as a Drive-Thru Host:

• Names of anyone who can help as the Clean Up Crew:

We look forward to celebrating our wonderful country on July 4th with you and will confirm once all details are nailed down! I look forward to answering any questions and hope you and your organization can participate!

Erin W. Lobato

Director

Celebrate Great Falls Foundation

School's out for summer. Now what?

Mon, 22 Jun 2020 17:33:26 GMT

Math & Finance for Learning Retention

Every year children look forward to the magical moment when school ends and summer begins, but this year school closed suddenly due to the Covid-19 pandemic. In The Covid-19 Slide (Click here for full article) Drs. Kuhfeld and Tarasawa projected that students will only maintain 70% of learning gains made in reading during the school year, and a meager 50% of the learning gains in mathematics. Suddenly, parents have been launched into the daunting role of stay-at-home parent and teacher, scrambling to keep their children on an appropriate educational track. Teaching financial responsibility is a natural way to reinforce math skills by turning day-to-day activities into real life learning experiences, that build a foundation for financial success while encouraging math retention.

Children need structure. Carefree days of summer can quickly lead to a lack of structure that may lead to anxiety for children. Parents need to establish routines and tasks to help a child feel in control, while gaining pride and a sense of self-worth. Incorporating an allowance presents real life day-to-day opportunities to teach math through earning, spending, saving, and giving. Pre-schoolers can play store or restaurant and learn to recognize currency and coins, preteens can save for a long-term goal by budgeting, and teens can be challenged to monitor their own actual bank account and make investing choices. The Simple Dollar (Click to view) has an excellent chart of financial skills by age, and Ann Dolin, a former Fairfax County Teacher, has a number of excellent videos that deal with current parent and school related issues (Click to View) , Math and finance go hand-in hand, and that is math worth retaining. #WorkOptional

By Susan White, M. Ed, Receptionist /Marketing Associate

AOG is Ready for In-Office Appointments

Thu, 11 Jun 2020 21:15:57 GMT

Office is Opening Beginning Monday, July 6!

We hope you have stayed healthy and safe during these past few weeks. Our AOG staff are looking forward to opening the office for appointments, but there will be changes as we navigate a "new normal." We are brainstorming daily for ways to keep everyone safe, and there will be several new standards implemented for in-office appointments.

Please read over these carefully and help us to keep our office a safe place for all:

• If you have had a fever, fatigue, cough, or difficulty breathing, or if you are sick or have been sick within 2 weeks of your appointment, please call and we will happily reschedule or conduct the appointment virtually

• Employees and service providers working in customer-facing areas are required to wear face coverings over their nose and mouth, such as using CDC Use of Cloth Face Coverings guidance.

• To protect our office staff, we request clients to wear face coverings over their nose and mouth while in the office.

• Meetings will be by appointment only, with only one appointment in the office at a time.

• Appointment times will be staggered to allow time to thoroughly wipe down our conference room and all common areas with disinfectant cleaner between every appointment.

• The Advisers and Relationship Managers will wash hands thoroughly between every appointment.

• Clients and staff will maintain physical distancing of at least six feet whenever possible.

• Hand sanitizer will be available at the front desk.

• We will provide pens and notepads upon request and will ensure all are properly sanitized prior to and after use.

Following these regulations will help us maintain a safe environment in the AOG Office and help us safely return to business as usual.

We are also happy to continue offering virtual meetings if you are more comfortable meeting in the safety of your own home. Thank you for allowing us to serve you and your family and helping us to keep the AOG office safe for everyone.

Investment advisory services offered through AOG Wealth Management, Inc.

Tax Filing Deadlines: Talking 2019 Taxes Post CARES Act with Clint Thomas CPA of RKN

Fri, 15 May 2020 18:45:03 GMT

2019 Tax Filing Deadlines post CARES Act (4:04)

Enjoy this conversation between Joe Yoon and Clint Thomas discussing the aspects of the CARES Act that impact tax filing deadlines for 2019 taxes.

Clint is the practice leader at Rubin, Koehmstedt & Nadler (RKN). He is both a Certified Public Accountant (CPA) as well as Certified Valuation Analyst (CVA) and has been serving clients in a variety of industries for the past 25 years. You can learn more about him here: https://www.rkncpa.com/about-us.htm

Also, RKN has a specific COVID-19 resource page that you can find here: https://www.rkncpa.com/coronavirus-aid-relief.htm

Joe is a senior wealth advisor for AOG Wealth Management. You can learn more about him here: https://www.aogwealth.com/our-team.

Investment advisory services offered through AOG Wealth Management, Inc.

Self-Employed: Talking 2019 Taxes Post CARES Act with Clint Thomas CPA of RKN

Mon, 11 May 2020 16:20:39 GMT

Tax Information for the Self-Employed post CARES Act (5:18)

Enjoy this conversation between Joe Yoon and Clint Thomas discussing the aspects of the CARES Act that impact the filing of 2019 taxes for those that are self-employed.

Clint is the practice leader at Rubin, Koehmstedt & Nadler (RKN). He is both a Certified Public Accountant (CPA) as well as Certified Valuation Analyst (CVA) and has been serving clients in a variety of industries for the past 25 years. You can learn more about him here: https://www.rkncpa.com/about-us.htm

Investment advisory services offered through AOG Wealth Management, Inc.

Corporate Taxes: Talking 2019 Taxes Post CARES Act with Clint Thomas CPA of RKN

Mon, 11 May 2020 16:20:19 GMT

Tax Information for businesses post CARES Act (9:10)

Enjoy this conversation between Joe Yoon and Clint Thomas discussing the aspects of the CARES Act that impact the filing of 2019 taxes for business owners.

Clint is the practice leader at Rubin, Koehmstedt & Nadler (RKN). He is both a Certified Public Accountant (CPA) as well as Certified Valuation Analyst (CVA) and has been serving clients in a variety of industries for the past 25 years. You can learn more about him here: https://www.rkncpa.com/about-us.htm

Investment advisory services offered through AOG Wealth Management, Inc.

Personal Tax Filing: Talking 2019 Taxes Post CARES Act with Clint Thomas CPA of RKN

Thu, 07 May 2020 20:46:52 GMT

Tax Information for individuals & families post CARES Act (8:00)

Enjoy this conversation between Joe Yoon and Clint Thomas discussing the aspects of the CARES Act that impact the filing of 2019 taxes for individuals and families.

Clint is the practice leader at Rubin, Koehmstedt & Nadler (RKN). He is both a Certified Public Accountant (CPA) as well as Certified Valuation Analyst (CVA) and has been serving clients in a variety of industries for the past 25 years. You can learn more about him here: https://www.rkncpa.com/about-us.htm

Investment advisory services offered through AOG Wealth Management, Inc.

Paycheck Protection Program

Mon, 27 Apr 2020 16:22:05 GMT

Paycheck Protection Program

Watch the video below regarding updates on the Paycheck Protection Program.

Investment advisory services offered through AOG Wealth Management, Inc.

Economic Update

Mon, 27 Apr 2020 16:02:08 GMT

Economic Update

President and CEO of AOG Wealth Management, Fred Baerenz, gives an economic update. Tune in to the video below.

Investment advisory services offered through AOG Wealth Management, Inc.

Update on Federal Tax Deadlines

Thu, 16 Apr 2020 17:15:39 GMT

Update on Federal Tax Deadlines

Watch this video where Jim Ortlip discusses how the change in federal tax deadlines to mid-July has impacted investment companies and their issuance of K-1s.

Investment advisory services offered through AOG Wealth Management, Inc.

Serving you is our top priority!

Mon, 13 Apr 2020 21:54:15 GMT

Serving you is our top priority!

You may have experienced delays in service response times due to the impacts of the COVID-19 pandemic. We work very closely with TD Ameritrade and Charles Schwab daily as our primary custodians and have seen the effects of the changes as our industry has been greatly impacted. Since many professionals are now working remotely, we have seen account openings be delayed from a few hours to several days, for example.

As a result of the delays, we wanted to take a moment to reach out to let you know how your service team at AOG Wealth Management has been proactively monitoring new and current accounts:

Our team has been expediting time-sensitive requests through the proper channels and will continue to follow up directly with the impacted individuals.
Since our custodians are experiencing a very high call volume, we are submitting work items electronically when possible. We encourage you to connect with your Relationship Manager to ensure you have electronic access to your accounts to help in this process.
Relationship Managers and Advisors at AOG Wealth Management are prioritizing client communication. If you have a need or concern, please reach out by email or phone call.

Our team at AOG Wealth Management hope you and your family are safe and healthy! We look forward to seeing you soon at a future Client Event or Portfolio Review.

Fred Baerenz Gives an Update on Coronavirus

Tue, 07 Apr 2020 21:29:23 GMT

Fred Baerenz Gives an Update on the Coronavirus

Please watch the video and view the attachment to get an update from Fred Baerenz on the Coronavirus:

Small Business Loan Options

Mon, 30 Mar 2020 18:39:45 GMT

Small Business Loan Options

There are two SBA options that might be helpful to small businesses.

The Economic Injury Disaster Loan (EIDL) is offered through the U.S. Small Business Administration (SBA). These are low-interest, federal disaster loans for working capital to small businesses. The Paycheck Protection Program (PPP), is part of the new stimulus program known as the CARES ACT. It will be available for a business with 500 employees or less in need of payroll assistance as a result of COVID-19.

While we wait for guidance from the SBA on how the details of these two programs will work, we are including a comparison chart forwarded by one of our banks to illustrate each program's highlights as we know them today.

This information is accurate and updated as of 3.26.2020. Terms and conditions are subject to change.

It's important to note the following:

It's critical for you to weigh all options available to you to ensure the best financial decision for your business.

If you choose to apply for the Economic Injury Disaster Loan, you must do so directly on the SBA website https://www.sba.gov/funding-programs/disaster-assistance

AOG Wealth Management

Investment advisory services offered through AOG Wealth Management, Inc.

Small Business Bulletin

Fri, 27 Mar 2020 13:21:52 GMT

Small Business Bulletin

In response to the COVID-19 Pandemic, the Trump Administration has been working with both the House and the Senate on a largely bipartisan basis. We will be absorbing the implications of the CARES ACT for some time. However, since many of our clients own or work for a small business (less than 500 employees), we wanted to send you these resources now. Generally, this bill provides a couple of months support for payroll, health insurance, rent and utilities to tide small businesses over until they can resume normal operations.

Now that the House & Senate have passed the bill, and the President has signed the legislation, our banking contacts are telling us that they will be prepared to start taking small business loan applications on Friday, April 3. Both of our business banks are US Small Business Administration ("SBA") lenders and based on the training that they have already received, they think the Treasury Department will be able to approve many loans in as little as 15 minutes.

Please send these links to any of your friends or colleagues that own small businesses. I would encourage them to check with their own bank first. If they need a further contact, several of my colleagues and I have been very pleased with the SBA lending services we have received from Live Oak Bank.

I have also included a link to the law firm Steptoe and Johnson, which provides in-depth analysis of the entire Bill. Please call or email if we can be a resource for you or your friends on this issue.

Live Oak: https://www.liveoakbank.com/

S B A : https://www.sba.gov/funding-programs/disaster-assistance

https://www.steptoe.com/en/news-publications/senate-passes-omnibus-cares-act.html

AOG Wealth Management

Investment advisory services offered through AOG Wealth Management, Inc.

AOG Wealth Management Coronavirus Company Update

Mon, 16 Mar 2020 13:25:18 GMT

AOG Wealth Management Coronavirus Company Update

Due to coronavirus, we have had a few updates to our policy. Please click on the video below to hear about the updates from our CEO Fred Baerenz.

Private Equity now Accessible to Main Street

Wed, 11 Mar 2020 13:35:13 GMT

Private Equity now Accessible to Main Street

As of the end of the 3rd Qtr., 2019 US Private Equity has achieved an 11.71% annualized return over the past 20 years as measured by Cambridge Associates in their US Private Equity report issued for the 3rd Qtr., 2019. This is greater than most major public equity indexes, including the S&P 500, which enjoyed an annualized rate of return of 6.33% during that same period.

While there are many types of PE Funds, the most common consist of leveraged buyouts or growth capital. These types of funds will evaluate both public and private companies to determine if they are maximizing their value. If the PE funds feel the companies could benefit from certain changes to their business structure or plan, they will acquire the private companies or purchase and take private the publicly traded companies. They will then spend the next few years improving the operations of the company and then either take the company public or look to sell to a private buyer at some multiple to the purchase price in the hopes of providing attractive return to PE fund investors.

PE Firms and their PE funds have, since their inception, largely been the playground of the Ultra High Net Worth individual or institutions such as endowments or large pension funds. There are many reasons this has been the case. In recent years, PE funds have raised upwards of $1 billion+ per fund. To keep administrative costs to a minimum the funds would have commitment minimums of $5 million+, thereby keeping the number of investors to a minimum. The funds can often last 10 or more years before investors begin receiving their investment back. Unlike public stocks, where you can find a buyer pretty much any minute of any day, historically there has not been a very liquid secondary market for investors in PE investments. As a result of the large minimums, long lockup periods, and lack of a secondary market this sort of investment has remained out of reach of the average investor.

While participating in PE may be attractive, the returns achieved in the public markets have been satisfactory, although with considerably greater volatility. However, in recent years there has been dramatic change in both the public equity and private equity markets. Since 1998 the number of us publicly traded companies have shrunk by more than 50% from 7,562 to 3,473 in 2019. This compares with 5,954,684 US private companies. Larger administrative costs borne by publicly traded companies resulting from ever greater regulatory requirements such as Sarbanes Oxley, have caused private companies to wait longer to go public so they are better able to handle the regulatory costs. As a result, it can be argued that a great deal of the growth of these companies is being realized while they are still private and there are more private companies than publicly traded companies now more than ever.

The good news is Private Equity has evolved in recent years. A more active secondary market, still not anything like the publicly traded markets, has developed that enables investors in PE Funds to seek liquidity that was not available to them as recently as 10-15 years ago. The average investor is still not able to participate in this secondary market. However, companies have emerged that put together a fund of funds that are available to accredited investors. The advancement of technology and the growing uniformity of evaluating private companies has enabled companies to establish funds that will purchase interests in available PE funds on the secondary market. This type of fund benefits investors in many ways. Normally when an Ultra High Net Worth investor commits to a single PE fund it is a blind pool meaning the investor does not know what companies will ultimately be in the fund. The investor is trusting the PE Firm to choose good companies for the fund. When the fund of funds purchases interest of PE Funds on the secondary markets, these PE funds already have many companies in them which can be evaluated to gauge the potential success of that PE fund. The fund of funds will have multiple PE funds in it thereby enabling the investor to spread their exposure over many PE funds thereby reducing risk. These funds mostly carry a $25,000 minimum investment and provide potential liquidity on a quarterly basis after being invested for one year.

Please feel free to call us at AOG if you have any questions about this article.

Jim Ortlip, CFP ®

Disclaimer:

The information, analysis, and opinions expressed herein are for general and educational purposes only. Nothing contained in this commentary is intended to constitute legal, tax, accounting, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. All investments carry a certain risk, and there is no assurance that an investment will provide positive performance over any period of time. An investor may experience loss of principal. Investment decisions should always be made based on the investor’s specific financial needs and objectives, goals, time horizon, and risk tolerance. The asset classes and/or investment strategies described may not be suitable for all investors and investors should consult with an investment advisor to determine the appropriate investment strategy. Indices are unmanaged and their returns assume reinvestment of dividends and do not reflect any fees or expenses. It is not possible to invest directly in an index. Information obtained from third party sources are believed to be reliable but not guaranteed. All opinions and views constitute our judgments as of the date of writing and are subject to change at any time without notice.

Planning for Tax Season

Thu, 05 Mar 2020 14:55:32 GMT

Planning for Tax Season

Tax planning is all about thinking ahead. It appears that the tax rates from 2019 have remained the same for 2020, with a slight adjustment to the income bracket for inflation. Even with being aware of the slight change, there are a few other ways to make sure you stay on track for 2020.

One way is to check your income tax withholding every year, especially if you’ve changed from one tax bracket to another. Another is to take advantage of any tax credits you may qualify for. The attached tax rate schedule will provide a quick reference of your tax rate, retirement plan contribution limits, social security benefit information, HSA limits, and other tax credits just to name a few. This time of the year can be confusing for some. Always reach out to your tax preparer for specific questions regarding your tax situation. You may also reach out to us at AOG Wealth Management at 703-757-8020 for assistance.

Erica Schaeffer

Traditional IRAs vs. Roth IRAs

Thu, 27 Feb 2020 15:12:52 GMT

Traditional IRAs vs. Roth IRAs

What is an IRA?

An Individual Retirement Account (IRA) is a tax-advantaged way to save for retirement. The two main types of IRA accounts for individual investors are Traditional IRAs and a Roth IRAs. While both account types offer extremely enticing tax treatments, the main difference between the two account types is the tax treatment of contributions compared to distributions. The key to choosing the account type that best fits your needs is to understand the tax treatment of the account types and if you qualify to make contributions or take deductions.

Traditional IRA

Traditional IRAs were established in 1974 and contributions to a Traditional IRA are generally made with pre-tax dollars, grow tax-deferred, and distributions are fully taxable.

Contributions- An investor would put money into a Traditional IRA and then reduce their taxable income by the contribution amount, therefore not paying taxes on the amount that was contributed to the account.

There are no income limits to contribute to a Traditional IRA, but there are certain stipulations to be able to deduct your contributions. Investors that are actively participating in certain retirement plan sponsored by their employer, such as a 401(k) or 403(b) plan, may not be able to deduct contributions depending on your tax-filing status and income level.1 For example, a single person making $63,000 in 2020 and contributing to a 401(k) plan can deduct their full contribution to a Traditional IRA. However, if that same taxpayer made $76,000 in 2020 and continued to make contributions to a 401(k) and traditional IRA, they could not deduct the amount they put into a Traditional IRA.

Growth and Distributions - Growth on the investments within the traditional IRA are tax-deferred, meaning taxes are not paid until a distribution is made. When it comes time to tax distributions, taxes are owed at the investor’s ordinary income tax rate. If your original contribution was not deductible, Uncle Sam will not tax you twice on that money. You will have created a basis in the account, meaning each distribution will be partially a return of your original investment dollars (the basis which is not taxable) and partially earnings (the growth on the basis which is taxable).

Generally, distributions taken before age 59 ½ are subject to a 10% early withdrawal penalty. When an investor turns 72, they will have to take what is called Required Minimum Distributions (RMDs). RMDs are calculated based on the size of the account and life expectancy.

Roth IRA

Roth IRA’s were established by the Taxpayer Relief Act of 1974. The main advantage to the Roth IRA is that contributions are made with after-tax dollars and distributions are generally made tax-free.

Contributions - Investors put money into a Roth IRA and do not deduct the contribution from income so the money is fully taxable in the year it is earned. However, not everyone can put money into a Roth IRA. Investors who have income over a certain amount cannot directly contribute to a Roth IRA, depending on your tax filing status.2

Growth and Distributions - Investors can take out their Roth IRA contributions (or the “basis”) at any time, for any reason, tax and penalty free. Distributions of the growth may be subject to a 10% early withdrawal penalty and/or income taxes.

Qualified distributions are income-tax free and not subject to a 10% early withdrawal penalty. A distribution is “qualified” when it is made five years after the first contribution AND after the investor turns 59 ½, upon the owner’s death or disability, or for a first-time home purchase (up to $10,000).

You may have also heard that you can use a Roth IRA to pay for higher education. Distributions for qualified education expenses are not subject to the 10% penalty, but you would still owe income taxes on the growth portion of your withdrawal.

Unlike a Traditional IRA’s RMD, investors do not have to take distributions anytime during their lives from a Roth IRA.

I’m intrigued by the Roth option, but I make too much money to make a direct contribution. What are my options?

Check out Lydia Gosselin’s blog post titled The Power of the Roth to learn about some powerful tax strategies, like a Two-Step Roth Conversion.

Sounds great! How much can I put into an IRA account?

Both Roth IRAs and Traditional IRAs have combined contribution limits of the lesser of your earned income or $6,000 for 2020. Investors over 50 years old qualify for a catch-up provision that allows an additional contribution of $1,000. The limit is based on the taxpayer, not on the account.

For example, let’s say a married couple with a combined income of $150,000 in 2020 would like to make the maximum contributions to Roth IRAs. Each spouse can contribute $7,000 ($6,000 limit plus a $1,000 catch-up) to a Roth account. If each spouse has multiple Roth IRA accounts, the combined total contributions cannot be more than $7,000 per spouse. Either spouse could also split their contribution between a Traditional IRA and a Roth IRA, although that is fairly uncommon.

Keep in mind that IRAs and most retirement plans sponsored by employers have different contribution limits and you can contribute to both an IRA account and your retirement plan through work. Contributing to an IRA does not affect your ability to make contributions to a retirement plan through work and vice-versa, however, as discussed previously, it may affect your ability to deduct a contribution to a Traditional IRA.

When do I need to make a contribution by?

If you have not filed your 2019 tax returns, there’s still time to make a 2019 IRA contribution! Contributions must be made before you file your tax returns or by April 15th (or the due date of your tax return without extensions).

How do I know which account is right for me?

Ultimately, the decision comes down to eligibility and forecasted tax treatment. We obviously cannot be sure of what tax rates will look like in the future, but with the U.S. debt constantly reaching all-time highs and tax rates currently at all-time lows, we can certainly anticipate that the ever-present tax burden on individual investors has to increase at some point which can make the Roth option appealing today. Either way, both Traditional and Roth IRAs are fantastic tax-advantaged ways to help you build your nest-egg.

1Traditional IRA Deduction Limitations if you Contribute to a Qualified Retirement Plan at Work

2 Income Limit Phase Outs for Roth IRA

The Power of the Roth

Thu, 06 Feb 2020 15:27:50 GMT

The Power of the Roth

You may ask what is a Roth IRA and why is it something that might make sense for me? The Roth IRA is a powerful account type established in 1997. Directly contributing to a Roth IRA (unless over the income threshold) allows the account owner to potentially benefit from tax-free growth and tax-free withdrawals (if certain requirements are met). Contributions are made on an after-tax basis. You can withdraw any contributions at any time and the potential earnings can be withdrawn after you reach the age of 591/2. I’ve heard the funds in a Roth referred to as “golden” in the sense that the funds within the account can provide much flexibility on both the contribution and withdrawal side.

On the contribution side, any funds you invest in your Roth IRA are eligible to be taken out for whatever purpose as long as the first contribution was at least five years ago. We’ve seen clients choose this way of saving for College Expenses, Home Purchases and of course Retirement. There is an income threshold that the IRS has mandated so confirm you are within the parameters to contribute directly, otherwise consider the other options available.1

We would be happy to discuss how a Roth IRA fits into your financial picture. You have a few ways of putting funds into a Roth IRA that we could explore:

Choose the Roth 401(k)/403(b) Option for your Employer Plan

Keep in mind you would be giving up the tax deductions for contributions to the pre-tax account type now but would be saving after-tax dollars until you decide to take a distribution, likely tax free.
Convert all or a portion of your Traditional IRA to a Roth IRA

In coordination with your tax advisor, we will look at the options to convert your Traditional IRA to a Roth IRA. Since tax rates are historically low, it may make sense to consider for 2020
Consider the Two-Step Roth Contribution

If you or your spouse have a retirement plan available at work, there is a limit for the deductible contributions you can make to a Traditional IRA. To put as much as possible in a tax-advantaged savings vehicle, you can still make nondeductible IRA contributions up to the limits. You would then have the option to convert that contribution to a Roth IRA. So, the first step is to make the nondeductible IRA contribution, the second is to convert the nondeductible IRA contribution to your Roth IRA. The understanding is that you pay the taxes on the converted portion in the year the transaction is made.
Contribute to a Roth IRA annually up to the maximum contribution level or amount of income earned, whichever is less

If you are under the income limits, then you can contribute directly to a Roth IRA if you have earned income. There is also a provision for a spousal contribution as well. 1

Call us at 703-757-8020 or connect with us at your next portfolio review.

1For single taxpayers, eligibility phases out for modified adjusted gross incomes (MAGIs) between $124,000 and $139,000 for the 2020 tax year. If you are married filing jointly, eligibility phases out between $196,000 and $206,000. 1

AOG Wealth Management is a fee-only Registered Investment Adviser (RIA). Registration as an adviser does not connote a specific level of skill or training. More detail, including forms ADV Part 2A & 2B filed with the SEC, can be found at aogwealth.com. Neither the information, nor any opinion expressed, is to be construed as personalized investment, tax or legal advice.

What To Expect For Tax Season

Wed, 05 Feb 2020 15:32:21 GMT

What To Expect For Tax Season

Tax season is upon us! Please take a glance at our helpful tax tools and important dates listed below.....

Tax Preparation Packets

As a wealth management firm specializing in assisting high net worth individuals and businesses with their financial needs, we strive to provide exemplary client service. As a component of that service, we are in the process of preparing a Tax Packet which will be emailed the week of February 17th, if not sooner. If you would prefer a hardcopy of this information mailed to you, please email me at eschaeffer@aogwealth.com. Our AOG tax packet will include the following (if applicable):

* Checklist of tax reporting documents you should expect to receive for investments we manage. Please collect and forward all incoming tax documents to your tax preparer. We will be happy to assist with any missing documents.

* TD Ameritrade 1099

* TD Ameritrade Cost Basis

Partnership Programs

The tentative deadline to issue partnership K-1's to investors is scheduled for March 15, 2020. Partnerships anticipate that K-1 packages will be sent via hard copy or electronically to clients on or before that date. In rare instances the deadline has been delayed. The tax filing package you receive from the partnership will include IRS Schedule K-1.

For those who invested in a Land Development/Conservation Easement, you will also receive access to an online portal (sent directly from the investment company) which will contain tax documents such as Form 8283, Form 8886 and K-1.

Please call our office at 703-757-8020 and one of our client service team members will be more than happy to assist you with any questions.

Secure Act: What You Need to Know

Fri, 31 Jan 2020 15:36:59 GMT

Secure Act: What You Need to Know

As 2019 was coming to a close both the House and Senate passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act which was quickly sent to the President’s desk to be signed.

Upon analyzing the Secure Act’s changes, they are not nearly as substantial as those resulting from the Tax Cuts and Jobs act passed two years ago. But they do have powerful implications on retirement plan participants.

Stretch IRA Elimination

Among the changes, the elimination of the Stretch IRA is the one that will affect client planning most notably with respect to estate planning. The name by which most people will know the stretch IRA is the Beneficiary IRA. Prior to the passing of the SECURE Act a non-spouse beneficiary inheriting an IRA had the option to spread the IRA distributions over their lifetime, regardless of age. The non-spouse beneficiary was required to take a minimum distribution per year but had the option to take any amount in excess of the minimum if they wished. Beginning in 2020 the SECURE Act has enacted the 10-Year Rule which requires a non-spouse beneficiary to distribute the IRA entirely by the end of the 10th year following the year of inheritance. There is not a required minimum distribution at any time except for the 10th year at which time the non-spouse beneficiary must distribute any remaining IRA balance. Anyone that inherited an IRA in 2019 or prior is grandfathered and is not affected by the new 10-Year Rule.

There are two notable exception to the 10-Year Rule imposed on non-spouse beneficiaries. First, if the beneficiary of the IRA is less than 10 years younger than the decedent (such as a sibling) they are still able to utilize the previous Stretch IRA provisions. Additionally, a minor beneficiary can take advantage of the Stretch IRA provision until they reach majority. Once they reach majority they than have ten years within which to distribute the entire inherited IRA.

Change to the Required Minimum Distribution (RMD) Beginning Age

The next most significant change resulting from the SECURE Act is the change in the age at which IRA owners must begin Required Minimum Distributions (RMD) from their IRA. While not a huge change, any reprieve from unnecessary income is welcomed by many retirees. Before the SECURE Act, IRA owners were required to begin taking taxable RMD’s from their IRA beginning in the year they turned 70 1/2. The Act has increased that age from 70 ½ to 72. (I think the best thing to come of this change is they did away with the ½). Unfortunately, those IRA participants that turned 70 ½ in 2019 or prior, are still required to continue taking their RMD’s.

No Change to the Qualified Charitable Deduction (QCD)

As a way to manage their tax liability many of our clients taking RMD’s have taken advantage of the Qualified Charitable Deduction (QCD). The QCD allows an IRA holder to donate up to $100,000/year to a qualified charitable organization directly from their IRA. Taking advantage of the QCD option enables the IRA holder to make a charitable contribution without having to show the proceeds as income on their tax return. An IRA account holder was only able to take advantage of the QCD once they reached age 70 ½, the same age an accountholder was previously required to begin taking RMD”s. One of the concerns was that if the SECURE Act changed the age at which IRA account holders are required to begin taking RMD’s, would that change the age at which IRA account holders could take advantage of the QCD. Alas, the age to take advantage of the QCD did not change and IRA account holders can still begin using the QCD option the year in which they turn 70 ½.

Change to IRA Contribution Age Restrictions

One thing that has been noticed is that as years have passed people have been working later and later in life. However, during that time frame, the maximum age a person with earned income could contribute to an IRA was capped at age 70 ½. Beginning in 2020 the SECURE Act has removed the 70 ½ age limit for individuals with earned income to make contributions to an IRA. At this time there is no age limit at all.

While there are a good many other changes that became effective in 2020 as a result of the passage of the SECURE Act, the ones we have covered here are the ones that will be most encountered by the average investor with an IRA.

Economic Indicator Review: ISM Manufacturing and Non-Manufacturing Indexes

Fri, 24 Jan 2020 16:13:08 GMT

Economic Indicator Review: ISM Manufacturing and Non-Manufacturing Indexes

Recent economic reports have focused a great deal on the latest updates related to the US ISM Manufacturing PMI (Purchasing Managers Index) as it continued to dip lower towards the end of 2019. Some economic commentators have taken a rather negative viewpoint with regards to future economic growth rates due to the lower economic activity from the production sector. A possible future recession has even been highlighted in some instances. The PMI economic indicator forms part of AOG’s economic overview watchlist and gets used in conjunction with numerous other indictors to provide the investment management team with an overview of the economic landscape. Let’s take a closer look at the PMI to see if recession fears sparked as a result of recent trends are warranted.

What is the PMI?

The Purchasing Managers Index is a diffusion index summarizing economic activity in the manufacturing sector in the US. The index is based on a survey of manufacturing supply executives conducted by the Institute of Supply Management. Participants are asked to gauge activity in a number of categories like new orders, inventories, and production and these sub-indices are then combined to create the PMI. A PMI above 50 would designates an overall expansion of the manufacturing economy whereas a PMI below 50 signifies a shrinking of the manufacturing economy.

PMI signals recession in 2012…2013…2015 & 2016. Did I miss it?

Figure 1 and Table 1 provides some perspective with regards to the recent changes in the PMI and highlights how this indicator has dropped below the 50 level in recent months. The long-term trend as displayed in Figure 1 does however provide some interesting points to note. Since the financial recession in 2008 and the subsequent market recovery the index has dipped below the 50 level on several occasions, without correctly signaling another recession. Levels below 50 can be seen in 2012, 2013 and for five consecutive months in 2015/16 yet the economy continued to provide positive growth rates over subsequent time periods. Earlier historical data provides similar observations of how a drop below 50 in the PMI was not followed by an immediate economic recession. As mentioned in the earlier section, the PMI calculation focusses on a survey of purchasing managers which by design could easily lend itself to sentiment bias rather than being based on actual activity – perhaps a reason why this indicator has not always been a perfect leading predictor of oncoming recessions.

Figure 1: US ISM Manufacturing Index (Dec ’79 – Present) – Gray bars represent US recessions

Source: YCharts Data (as at 1/13/2020)

Table 1: December ISM Manufacturing Index

*Seasonally Adjusted Unless Noted: 50+ = Econ Growth
(Source: First Trust Economic Blog)

What about Non-Manufacturing?

While much attention has been given to the ISM Manufacturing index in recent months, data from the larger service sector have been mostly overlooked. Developed countries such as the United States are increasingly moving toward a services-based economy, which makes analyzing this part of the economy even more important. Data collection for this sector of the economy has only been done since 2008 but will most likely receive greater focus as the economy continues to expand the services sector. Figure 2 and Table 2 provides an illustration of the solid growth in the Non-Manufacturing index over recent months, with numbers easily exceeding the 50 level. Growth in the services sector was broad-based in December with 11 out of the 17 industries delivering higher growth numbers. This healthy outlook in the Non-Manufacturing sector stands in direct contrast to Manufacturing sector and should not be overlooked for its importance in potential future economic expansions. So often do we read and see financial updates that aim to exploit sensational headlining to generate attention. Its only through a broader understanding of how various components of the economy fit together that emotional decision making based on fear is eliminated.

Figure 2: US ISM Non-Manufacturing Index (Mar ’08 – Present) – Gray bars represent US recessions

Source: YCharts Data (as at 1/13/2020)

Table 2: December ISM Non-Manufacturing Index

*Seasonally Adjusted Unless Noted

(Source: First Trust Economic Blog)

Stay calm and call AOG

The declining PMI and the recession hype created from viewing data points in isolation serves as reminder to all that one economic indicator viewed out of context is never advisable. Here at AOG the ISM indexes are just one of many tools used to formulate investment decisions. It has always been our approach to take a well-balanced view when selecting investments for portfolios. The Endowment model strategy employed by AOG follows this same belief in that diversification is achieved by investing in a balanced portfolio represented by numerous asset classes.

The next time you get overwhelmed by the constant stream of negative economic data, be sure to contact one of our investment experts to break it down and provide clarity on how to best position your portfolio for potential future economic conditions.

Inverted Yield Curve is a “Curve Ball” that Fools Experts

Thu, 16 Jan 2020 16:18:43 GMT

Inverted Yield Curve is a “Curve Ball” that Fools Experts

Remember just a few months ago, many experts were prognosticating a weakening US and Worldwide economic environment? They frequently cited the inversion of the yield curves for 2 year and 10 year US debt. Think of interest rates for Certificates of Deposit. Usually, the longer the term of the CD, the higher the interest rate. If you plotted those rates versus time, it would indicate a smooth upward sloping curve. If for some reason, shorter duration CDs actually offered a higher interest rate, that curve would be “inverted”. Over the last month many analysts are falling all over each other while racing to tout encouraging economic news. Why were so many “experts” wrong just three months ago, and how should investors weigh similar “glass half empty” forecasts in the future?

First of all, what were the base indicators just three months ago? It is true that an inverted yield curve has been one of the most accurate forecasting tools for decades in predicting recession and subsequent public stock market corrections, usually six to eighteen months before they occur. It has literally been the “canary in the coal mine”, warning of bad news just around the corner. The logic is pretty basic. The Federal Reserve controls short term interest rates, while longer term rates are primarily controlled by market-based factors. Hence, if the FED is more concerned about inflation, they will raise short term rates to tighten lending and try and slow the economy and forestall unhealthy inflation (generally more than a 3% increase in inflation on an annual basis is “unhealthy”). On the other side, if the Federal Reserve fears that the economy is slowing, they will reduce short term interest rates in an attempt to make it easier for businesses and consumers to borrow (and hopefully spend) money to boost the economy. In 2019, the FED, fearing a slowing economy (or fearing that they had boosted interest rates too aggressively in 2018) lowered short term rates in July, September and October. Because long term rates did not follow quickly, this caused short term to “invert” for a few days in October.

What information should these “experts” have considered to avoid being “fooled”?

1. On Chart One below, the inversion only lasted a few days. When the inverted yield curve has been predictive of a slowing economy and market correction in the past, the inversion was much more pronounced over a longer period of time;

2. Chart Two shows a very low rate of jobless claims and a very healthy labor force participation rate. In previous recessions/corrections both of those measurements were moving in unhealthy directions;

3. Chart Three shows both Consumer Confidence and Small Business Confidence in very healthy territory;

So, the next time you hear “experts” forecasting doom over an Inverted Yield Curve, check these other economic measurements. If they aren’t moving in an unhealthy direction, give the Yield Curve an opportunity to adjust. As we learned in Little League Baseball, don’t swing at a “curve ball” in the dirt.

Opportunity Zone Investing with Silverstein Properties (Developer of One World Trade Center)

Thu, 09 Jan 2020 16:35:42 GMT

Opportunity Zone Investing with Silverstein Properties (Developer of One World Trade Center)

A few weeks ago, Fred had the opportunity to meet with Executives from Silverstein Properties. Silverstein is best known for acquiring the World Trade Center seven weeks before the 9/11 terror attacks and spending the next two decades rebuilding the hallowed site. They are doing the real estate development work for one of the funds we utilize for Opportunity Zones.

Click the image below to hear more on this meeting from our president and CEO Fred Baerenz:

Qualified Charitable Contributions

Wed, 20 Nov 2019 01:10:00 GMT

We recently produced a blog post extolling the virtues of using appreciated capital assets to fund your charitable intentions. In this post, we will introduce the reader to the Qualified Charitable Distribution (QCD). A QCD allows an IRA account owner to contribute a part or all of their Required Minimum Distribution (RMD) to a charitable endeavor.

Once an IRA owner reaches age 70 1/2, they must begin taking RMD's from their IRA account. The RMD is calculated each year using the ending balance of the IRA account from the previous year and an IRS table providing the calculation formula. It sounds complicated, but it is straightforward to calculate. The distributions are taxed at whatever ordinary income tax bracket you are in for that year.

The penalties for failing to take your RMD are steep. If an IRA account owner fails to withdraw their RMD in any given year, they are penalized an excise tax equivalent to 50% of the RMD amount for that year. For example, if your RMD were $100,000, the penalty for not taking the RMD would be $50,000. Additionally, you will still be required to take the RMD on which you will then owe tax.

If you must take an RMD but do not want or need the money, QCD's can be an excellent way to distribute the money out of the IRA and avoid the excise tax, avoid ordinary income tax and satisfy your charitable endeavors. By allowing a portion of your RMD to serve as a QCD, you keep the income you would otherwise owe tax on from being included on your 1040. This will lower your Adjusted Gross Income (AGI), which can help prevent your income from reaching thresholds that would expose you to the net investment income tax. The benefit of a QCD is your RMD will never appear as income for that year. The downside is you won't be itemizing that charitable deduction either. However, since the amount of each taxpayer's standard deduction has doubled as a result of the Tax Cuts and Jobs Acts, some taxpayers are using the standard deduction instead of itemized deductions, thereby diminishing the benefit of itemized charitable deductions. For those taxpayers, the QCD is the only way they can still benefit from making a charitable contribution.

The requirements for a distribution to qualify as a QCD are:

If you're already a client of AOG, and you have questions or concerns about your current financial position, please reach out to your advisor.

If you are interested in AOG Wealth Management, we encourage you to give us a call at 703-757-8020 so we can learn more about you, your family, and your financial future.

Why Long-Term Care Matters

Wed, 13 Nov 2019 01:10:00 GMT

The requirements for a distribution to qualify as a QCD are:

If you're already a client of AOG, and you have questions or concerns about your current financial position, please reach out to your advisor.

If you are interested in AOG Wealth Management, we encourage you to give us a call at 703-757-8020 so we can learn more about you, your family, and your financial future.

A Smarter Donation: How to Support Your Favorite Charity and Ease Your Tax Liability

Wed, 06 Nov 2019 01:10:00 GMT

The requirements for a distribution to qualify as a QCD are:

If you're already a client of AOG, and you have questions or concerns about your current financial position, please reach out to your advisor.

If you are interested in AOG Wealth Management, we encourage you to give us a call at 703-757-8020 so we can learn more about you, your family, and your financial future.

How much money do you need to retire?

Wed, 23 Oct 2019 01:10:00 GMT

The requirements for a distribution to qualify as a QCD are:

If you're already a client of AOG, and you have questions or concerns about your current financial position, please reach out to your advisor.

If you are interested in AOG Wealth Management, we encourage you to give us a call at 703-757-8020 so we can learn more about you, your family, and your financial future.

The Same Old Financial Plan Won't Work for Today's Baby Boomers

Sat, 19 Oct 2019 01:10:00 GMT

There are a number of things I disagree with in this article, but it is understandable as the author is CEO of a firm that is looking to be the all-in-one solution to the retirement problem.

Yet, I did think the article was thought provoking and worth a read. The most important items that came out of it for me were:

Take a peek at the article and let me know what you think:

Same Old, Same Old Won't Work For Today's Baby Boomers

Securities offered through TD Ameritrade Institutional Services located at 7801 Mesquite Bend Drive, Suite 112 Irving, TX 75063-6043. Investment advisory services offered through AOG Wealth Management, Inc. AOG Wealth Management, Inc. is neither an affiliate nor subsidiary of TD Ameritrade Institutional Services.

What is Financial Happiness?

Sat, 19 Oct 2019 01:10:00 GMT

I saw this quiz about financial health/happiness by an author that I follow. While we all might want to be millionaires, the point that is being made is that we should all work harder at having a healthy relationship with money. A health relationship with money is more important than accumulation.

Let's do a quick 10-question quiz to see if you are happy with your financial situation and whether you have a healthy relationship with money:

I could actually go on, but you get the picture. If you can answer yes to most or all of these questions, then money is your friend. It works for you—you don't work for money.

This is a much better yardstick of success than being a millionaire.

Here is hoping that you can answer yes to most of the questions above. If not, I urge you to connect with a financial planner to help you outline a path so that in the future, you will be able to say that you have a healthy relationship with money.

Trading Commissions Racing to Zero

Tue, 08 Oct 2019 01:10:00 GMT

As someone who has worked in financial services for 20 years, I know the history of markets. I have seen many changes during my years in the industry. This week, Chuck Schwab completed a final step since the inception of Charles Schwab in 1971 to democratize investing: we are now at $0 trading commissions.

For those of us in the industry, we knew this day has been on the horizon for years. Now that it is finally here, what does this mean for investors?

First, I applaud Chuck Schwab and his drive over the past 50 years to build a tremendous company that has achieved his goal of building a platform for the trading needs of consumers. This is a legacy accomplishment.

For individual investors : the reduction of trading costs can be positive however, follows the law of diminishing returns. There is a substantial difference between paying $250 and $4.95 to trade a stock, but is there really a freeing feeling by lowering that cost from $4.95 down to $0?

For us advisors: the reduction of trading costs should mostly impact us in two areas:

The cautionary note : for either side (individual investor or advisor) of the equation, it is important to remember that Charles Schwab and its competitors that all followed suit with a move to $0 are all still for-profit companies. At a high level, by removing trading costs it drives us away from transparent pricing (the cost of doing a trade), to trying to figure out where these companies will be making their profits. Now, instead of knowing that your 100 trades cost $495 to the revenue stream of Charles Schwab, accounts will be making profit by activities such as:

There are pros & cons to everything especially as more and more things change within the financial services industry. Overall, Chuck Schwab has toiled a lifetime to democratize investing. Congratulations to him and his company for achieving that massive goal!

If you have any additional questions in regards to how AOG Wealth Management is navigating these changes, please feel free to contact your advisor.

Start Small, Start Now

Thu, 13 Jun 2019 01:10:00 GMT

I'm sure you've heard the phrase, I can't save now, I don't have enough to save! or I'll start saving later. Each of these common phrases may be valid for a time, but it is best to start saving small and to start as soon as you can. Here is how to begin saving now, even in small ways:

If you would like to speak with a financial advisor about how to begin saving now, call AOG Wealth Management at 1-877-600-3573.

Find Your Solution with Qualified Opportunity Zones

Thu, 30 May 2019 01:10:00 GMT

If you have experienced trouble with having a large tax liability, highly appreciated assets, or significant capital gain exposure on investments, a Qualified Opportunity Zone could be the solution you are looking for.

This investment, created through the Tax Cuts and Jobs Act of 2017, could be the answer to deferring your capital gains. Qualified Opportunity Zone investments have the potential to help you defer payments of capital gains taxes for 5-7 years (until 2026) and reduce federal and state tax liability by up to 10-15%. You could experience tax-free growth on the QOZ investment, if held for 10 years, while enhancing geographic, management, and property- type diversification.

To learn more about Qualified Opportunity Zone investments, call AOG Wealth Management to speak with one of our experienced advisors, fill out the complimentary consultation box on this page, or email info@aogwealth.com for more information!

Investment advisory services offered through AOG Wealth Management, Inc. Securities offered through TD Ameritrade Institutional Services located at 7801 Mesquite Bend Drive, Suite 112 Irving, TX 75063-6043. AOG Wealth Management, Inc. is neither an affiliate nor subsidiary of TD Ameritrade Institutional Services.

AOG Wealth Management does not provide tax or legal advice. Please consult with your tax and/or legal advisor for such guidance.

Alternative Investment Funds represent speculative investments and involve a high degree of risk. An investor could lose all or a substantial portion of his/her investment. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment in an Alternative Investment Fund. Any investment in Alternative Investment Funds should be discretionary capital set aside strictly for speculative purposes. Alternative Investment Fund offering documents are not reviewed or approved by federal or state regulators. Some Alternative Investment Funds may have little or no operating history or performance and may use hypothetical or pro forma performance which may not reflect actual trading done by the manager or advisor and should be reviewed carefully. Investors should not place undue reliance on hypothetical or pro forma performance.

AOG Wealth Management can not guarantee the income projections outlined in the above tax analysis and any references to growth from gains or assumed income are purely hypothetical in nature and do not reflect guaranteed results. There are a number of uncertainties related to Opportunity Zones and Opportunity Funds that have not yet been determined and are subject to change based on pending guidance that is expected to be issued by the US Department of the Treasury regarding the Tax Cuts and the Jobs Act of 2017 including the types of capital gains that can be rolled into an Opportunity Fund, how much times they will have to deploy capital and the tax treatment of pass-through partnerships. Our analysis is based on various aspects of the Opportunity Zone Program including positions that we believe to be reasonable given the statute as currently written and prior Treasury and IRS precedent. As a result, there are no guarantees that the analysis presented is correct until such guidance and regulation is provided on Opportunity Zone programs Therefore, each investor should consult with their own personal tax advisor prior to making any investment in an Opportunity Zone Program or Opportunity Fund. AOG Wealth Management, Inc. does not provide tax or legal advice. The opinions and views expressed here are for informational purposes only. Please consult with your tax and/or legal advisor for such guidance.

Things You Can Do to Increase Your Millionaire Chances

Sat, 27 Apr 2019 01:10:00 GMT

A report from United Income, an online investing company, states that one in every six retirees in the United States is a millionaire. As a matter of fact, over the last 30 years, the rate of retired millionaires has more than doubled, with fewer retirees relying on minimum wage and ending up in poverty than ever before.

It may seem to be a difficult goal to accomplish, but becoming a millionaire before you stop working is possible. You just have to take the right steps to help you enjoy seven-digit wealth upon retirement. AOG Wealth Management Inc, your investment management services provider in the local area, share these things you can do.

Save… a Lot

It is one of the simplest financial to-do’s you can make, but also one of the hardest to maintain. Many people don’t save enough money, while others don’t do it all. The right time to do this is now, or risk losing your chance of becoming a millionaire decades from now. To achieve a comfortable retirement, you need to save about 10 to 20 percent of your income.

Invest in A Diversified Portfolio

Investing in various asset classes, such as stocks, bonds, real estate, and private equity, can have a great impact on your potential savings for years to come. A diversified portfolio can even be a major source of income once you reach the age of retirement. Speak to our wealth management advisor to guide you throughout the process. You will be presented with various options and strategies that will help you reach this achievable goal.

Create an Emergency Fund

It is one of the best pieces of advice any financial pro would provide to anyone who is far away from retiring. Build one today to cover for sudden instances such as an illness, immediate motor vehicle repair, or a certain period of no income. Doing so prevents early withdrawals from an individual retirement account (IRA) and 401(k) plan.

AOG Wealth Management Inc. provides wealth management services , which include customized investment solutions to help our clients attain their individual financial goals. Call us today at (866) 993-0203 or fill out our contact form for your consultation. We serve Washington, DC, and surrounding areas.

Important Measures to Implement for Next Year’s Tax Season

Fri, 05 Apr 2019 01:10:00 GMT

Tax Day has ended, and many are dissatisfied with the amount of taxes they paid to the IRS. The surprising outcome that they experienced may have been a result of the recent overhaul in last year’s tax code, which included changes in itemized deductions and personal exemptions.

When you take quite a hit this tax season, don’t worry. The investment management advisors of AOG Wealth Management Inc. are here to share some tips that could help you save on taxes next year.

Make Charitable Donations

This is an easy way to reduce your taxable income. Itemizing your deductions on a Schedule A tax form allows you to claim a charitable deduction on your tax return. Consider bundling your donations if possible. For instance, rather than donate a specific amount for each of the five years, you may consolidate them at once. A Donor Advised Fund may be a helpful option if you have a large amount to contribute to charity, but want to spread the donations out across multiple years.

Contribute to an Individual Retirement Account

Another way to save on taxes for next year is to contribute money in an IRA. It is deducted from your tax return, especially if you contribute using after-tax cash. Continuing this every month helps it grow tax-deferred until it is withdrawn at retirement.

Unload Investments

Wealth management solutions providers like us would recommend selling your stocks or other investments that lost value this year. Consider this tip if you come across an event that triggered a tax consequence. You’d want to make sure that you’re buying or selling when it makes sense tax-wise.

Reduce Taxes in the Top Brackets

For individuals or families that have income in excess of $300,000 per year, there are several tax strategies that can be used to potentially reduce your taxable income in a significant way. Talk to one of our advisors to learn which strategies may be best for you.

Talk to a Pro

Tax is not just about filling up the necessary forms and getting in touch with the numbers. Many nuances can get lost as you plan your taxes, costing you time and money in the process. Talk to a pro today; you’ll be advised on the steps to take to make next tax season less painful for you.

Turn to AOG Wealth Management Inc. for help on your financial needs and goals. We are a registered investment advisor that provides asset management services . Call (866) 993-0203 or fill out our contact form for a complimentary consultation. We serve Great Falls, VA, and surrounding areas.

AOG Wealth Management does not provide tax or legal advice. Please consult with your tax and/or legal advisor for such guidance.

Financial Mistakes You Need to Avoid

Wed, 03 Apr 2019 01:10:00 GMT

Achieving financial freedom is a primary life goal for most people. Unfortunately, many commit mistakes that can lead to the opposite—economic hardships, debts and other financial difficulties.

AOG Wealth Management, your trusted provider of investment management services in the area, discusses four financial mistakes you need to avoid.

1. Excessive Spending

This mistake must be avoided at all times, especially if you are in the midst of a financial hardship. Come up with a detailed budget and see how much “extra” money you have each month to spend on non-essentials. Set aside that much and don’t spend any more than that.

2. Living on Credit

Sure, the use of credit cards for purchasing even the most basic items has become somewhat normal, but a wealth management advisor would tell you not to rely on them for your daily living. Depending on credit may cause you to spend more than you earn.

3. Living Paycheck to Paycheck

Many households across the country live paycheck to paycheck. This is a dangerous way to live because it leaves no wiggle room for unexpected expenses, such as a medical emergency. Try to save a portion of your paycheck every month so you have a security blanket.

4. Failing to Invest

The whole idea of financial freedom is to make your money work for you. Failure to invest early may prevent you from retiring comfortably. Before it’s too late, be sure to allocate some of your savings into either the stock market or other income-producing investments. Working with a financial advisor can help.

Being aware of these pitfalls allows you to steer clear of them and make better decisions along the way. Take advantage of the opportunity to grow financially with AOG Wealth Management. We provide top-notch wealth management services where we actively monitor your investments necessary to customize your portfolio based on your risk and reward profile.

Give us a call at (866) 993-0203 to get started. You may also fill out our contact form for a complimentary consultation. We serve Washington, D.C., and the surrounding areas.

Cash Balance Plans: What You Need To Know About Them

Wed, 20 Mar 2019 01:10:00 GMT

Many companies offer cash balance plans to employees as part of their benefits package. They are a type of pension plan where the employer credits a set percentage of a qualified employee’s annual compensation plus interest charges. AOG Wealth Management, an experienced provider of wealth management solutions in the area, discusses this further.

A Defined-Benefit Plan

A cash balance plan is considered a defined-benefit plan. It means the funding limits and requirements, as well as investment risks, are based on defined-benefit requirements. The qualified employee may still receive their final benefits upon retirement or termination despite changes in the portfolio. The employer must carry all ownership of profits and losses in that portfolio.

Despite being a defined-benefit plan, a cash balance plan is usually maintained based on an individual account similar to a defined-contribution plan. Here, changes in the employee’s portfolio won’t affect the yearly contribution.

Resembling Traditional Pension Plans

Investment management advisors agree that the features of a cash balance plan bear semblance to a traditional pension plan. In both plans, investments are managed professionally. The similarities, however, end there.

Suppose you are the employee and you decide to leave your job. In a cash balance plan, you get to take the money with you. The funds would then be rolled into a personal IRA, giving you the freedom to make your investment. This won’t be possible in a traditional pension, where you only get a payout upon reaching the age of retirement.

A cash balance plan, however, shouldn’t be treated as the sole resource for your preparation for retirement. At AOG Wealth Management, we recommend securing additional income either through an IRA or a 401(K). You may choose to take the lump sum as a payout option for your cash balance plan. Still, such decisions are best made with the help of our experts in providing asset management services.

Our company provides clients personalized solutions and completes thorough due diligence on all potential investments. To learn more about cash balance plans, give us a call at (866) 993-0203 or fill out our contact form for a complimentary consultation. We serve Great Falls, VA and nearby areas.

How to Build a Balanced Portfolio

Thu, 14 Mar 2019 01:10:00 GMT

As an investor, it’s important to understand the asset allocation that works best for your personal investment goals and risk tolerance. Building a portfolio is a systematic method to keep your financial strategies aligned.

In this post, your local wealth management services provider, AOG Wealth Management Inc. discusses how you can build a balanced portfolio.

1. Determine the Right Asset Allocation

The first step in making a portfolio is determining your financial situation and goals. Take note of your age and the amount of time you have to expand your investments. Consider how much capital is required and your upcoming income needs.

Additional factors to consider are your personality and risk tolerance. With great returns come greater risks. This also depends on your situation. For example, a younger person has the time to take greater risks, while a person nearing retirement should be more focused on protecting their assets.

Your local wealth management advisor AOG Wealth Management Inc, can assist you in building a portfolio based on your specific needs and circumstances. We offer products and services that can help you fulfill your financial goals.

2. Conservative or Aggressive

The more risk you’re willing to take, the more aggressive your portfolio is going to be. The fewer risks you take, the more conservative your portfolio will be. Conservative portfolios aim to preserve value, while aggressive portfolios are focused on maintaining a balance of capital growth and income.

3. Divide Your Capital

After determining your asset allocation, you need to split your capital into the right asset classes, which can be further broken down to subclasses that can come with certain risks and possible returns. For example, some investors might allocate the equity portion into different sectors and market capitalizations and between domestic and foreign stocks.

4. Maintain Your Portfolio

Once you have accomplished building your portfolio, you should analyze and update it regularly. Market movements can change your initial weightings. It will be helpful to quantitatively categorize your investments to find out their values’ proportion to the entirety.

Keep in mind that your financial situation, future needs and risk tolerance may change over time. A decreased risk tolerance typically means reducing the allocation towards more volatile investments.

After determining which securities must be reduced and by how much, you’ll need to decide which underweighted securities to purchase with the funds you’ll obtain from selling the overweighted securities. Consider the tax implications and outlook of your securities when revising your portfolio.

A wealth management advisor can help you create and manage a balanced portfolio. Choose AOG Wealth Management Inc. for investment management services . Some of our asset management offerings include retirement funds, college savings plans and tax efficient strategies. Call us today at (866) 993-0203 or complete our online form . We serve clients in Washington, DC.

Why You Should Work With a Wealth Management Advisor

Thu, 07 Mar 2019 01:10:00 GMT

Financial decisions should be carefully planned as significant amounts are at stake. A wealth management advisor helps you manage your assets and assists with the investment choices you make.

In this post, your local wealth management solutions provider, AOG Wealth Management Inc., discusses why should work with a wealth management advisor.

1. Investment Planning

Wealth management companies help you formulate a financial plan. They will determine your financial health and help you develop goals that suit your needs. Using that information, they will then create a solid investment plan with you. Remember that having a strong plan before investing is critical, and a wealth management advisor can offer valuable assistance with that.

2. Constant Communication

Investment management advisors focus their work around client communications. You will be constantly updated on your investment performance and the progress of your financial goals. Your wealth management advisor will ensure you remain involved with your investment portfolio.

3. Collaboration

Your wealth advisor works with your attorneys, accountants or other personal advisors. Their collaboration helps in making sure all aspects of your investment are in sync, improving your financial health.

4. Complex Situations

If you’re a beginner in the industry, a wealth advisor will be of great assistance. The bigger your goals and investments are, the more complicated their management is going to be. An advisor can help you handle complex financial processes and situations.

5. Other Advantages

Aside from planning and managing your investments, a wealth advisor assists in accounting and tax services or even with insurance, retirement and estate planning. With a wealth management advisor, you won’t have to go to many different places for the various financial services you need.

Working with a wealth management advisor can make it easier to manage your personal finances. For asset management services , choose AOG Wealth Management Inc. We are committed to helping you reach your financial goals through good stewardship of your resources. Call us today at 1 (866) 993-0203 or complete our online form . We work with clients in Great Falls, VA.

7th Annual March Madness Open House – March 22nd

Tue, 26 Feb 2019 01:10:00 GMT

On Friday, March 22nd , AOG will be hosting our 7th Annual March Madness Open House at our offices located in Great Falls. Come by our office anytime between 3:00 p.m. – 7:00 p.m . for food, friends, and to cheer on your favorite teams! Details and RSVP information is found below.

All three AOG TV screens will be playing the big games. The dress is casual and college team attire is encouraged. Guests are welcome!

We will be participating in the YAHOO! TOURNEY PICK’EM college basketball bracket. If you are interested in participating in our AOG Group bracket, you can follow the link below to join! You will not be able to complete your bracket until the final 64 teams are announced. You do not have to complete a bracket to attend our Open House, nor do you need to attend the Open House to participate in the AOG bracket. The winning bracket will receive the ultimate prize – their name added to the AOG Wealth Management March Madness Trophy and all the honor and bragging rights that entails!

Join the AOG Bracket!

Yahoo Tourney Pick ‘Em

Access Code: AOG2019

Please RSVP by March 17th to mpippin@aogwealth.com or 1-877-600-3573

AOG’s 23rd Annual Holiday Party

Sun, 27 Jan 2019 01:10:00 GMT

AOG celebrated the end of 2018 and the holiday season with clients, friends and colleagues at their 23rd Annual Holiday Party, held again at the Ritz Carlton in Tyson’s Corner. Guests enjoyed a lighthearted Year in Review presentation by AOG Wealth Management CEO Fred Baerenz, inspiring words from volunteers with the charitable organization David’s Hope, delicious food and librarions, and the music of jazz singer Karla Chisholm. It was a fun and festive evening that passed all too quickly and capped 2018 truly in style!

Photographs by Christin Photography

AOG in the Community: Welcome to Great Falls!

Sat, 26 Jan 2019 01:10:00 GMT

For the past five years AOG Wealth Management has been pleased to be the Platinum Sponsor of Celebrate Great Falls – the organization that is at the heart of the “Community Spirit” of Great Falls. they organize everything from the 4th of July Parade & Fireworks to the Halloween Spooktacular to the Concerts & Movies on the Green (and more!). You have probably even enjoyed laughing at photos of AOG staff in various costumes over the years at Celebrate Great Falls events.

Another initiative of Celebrate Great Falls that AOG is proud to participate in is their New Resident Welcome Baskets. These are bags filled with swag and information from Celebrate Great Falls businesses and organizations and delivered 2-3 times a year to the newest residents of 22066 by the New Resident Welcome Committee volunteers. Consider it the Great Falls “Welcome Wagon.”

AOG Wealth Management has been proud to call Great Falls our business hom e for over 17 years so we are always thrilled to welcome newcomers. Each grateful new resident receives from AOG the popular & very colorful AOG picnic blanket – perfect for Movies & Concerts on the Grean, and more. And nothing delights us more than seeing our colorful blanket accent the green fields, parks, and lawns of the community, as it brings families, friends and our community together.

AOG blankets in use!

4 Tips for Properly Managing Retirement Savings

Sat, 19 Jan 2019 01:10:00 GMT

AOG Wealth Management provides investment management services in a boutique setting and, unlike other firms, works with a team of professionals specializing in specific areas of wealth management. This allows us to incorporate more services and platforms, as well as provide our clients with unique financial plans based on said client’s financial goals and risk/reward profile. One of the things we can do for our clients is to help them with their retirement funds. In today’s article, we’ll give four tips for managing retirement savings:

Figure Out a Spending Plan – You need to have a plan in place to help you live through retirement. This plan will help manage your wealth while still allowing you to enjoy this time in your life. Your spending plan should include a budget for daily living expenses, goals and aspirations, charitable donations and large investments. Make sure to prioritize the things that are most important to you.

Safeguard Your Legacy – As a wealth management services provider, AOG Wealth Management recommends always preparing for the future by taking steps to ensure that your wealth will be used in a way that aligns with your core values when you pass away. Even if it seems too early, it would be wise to start estate planning if you want to leave a legacy. Your estate includes your cash, life insurance policies, personal property, remaining retirement funds and investments.

Think About Your Withdrawal Strategy – A spending plan is just the first step. You also need to figure out the most optimal method for drawing from your assets. It’s helpful to consult a professional like us for this step, because different stages of retirement can require different withdrawal amounts.

Prepare for the Unexpected – A spending plan and withdrawal strategy can only go so far. The one constant in life is change, which is why it’s so important to be sure that your investment portfolio and retirement savings will support you when you no longer can. Work with your financial advisor to create a strategy.

If you need a wealth management advisor to help you meet your financial objectives, give AOG Wealth Management a call. We specialize in managing wealth for high-net-worth individuals, trusts, donor-advised funds, companies, pension plans and other accounts of similar nature. Call us at (866) 993-0203 to learn more about our services or to get a complimentary consultation. We serve clients in Washington, DC, and nearby areas.

Securities offered through TD Ameritrade Institutional Services located at 7801 Mesquite Bend Drive, Suite 112, Irving, TX 75063-6043. Investment advisory services offered through AOG Wealth Management, Inc. AOG Wealth Management, Inc. is neither an affiliate nor subsidiary of TD Ameritrade Institutional Services.

Successful Tax-Efficient Strategies

Fri, 18 Jan 2019 01:10:00 GMT

The investment management advisors from AOG Wealth Management are here to help you safeguard your wealth and meet your financial objectives. We provide wealth management services in a boutique setting, and manage our clients’ wealth with accountability, integrity and accuracy. One of the things we can do for clients is provide tax-efficient strategies to reduce their tax burden. Learn more about tax efficiency here:

What Is Tax Efficiency?

Tax efficiency refers to minimizing an investment’s tax liability. A tax-efficient strategy aims to achieve the least possible taxation for certain investments. A financial decision or investment is said to be tax-efficient if the tax outcome is lower than an alternative financial structure that achieves the same goal.

There are many ways to be tax-efficient when investing in public markets. Let’s discuss a few of them:

Methods to Improve Tax Efficiency

AOG Wealth Management can help you determine if these tax-efficient methods or other wealth management solutions are the best way to meet your financial objectives. Keep in mind that a tax-efficient mutual fund is taxed at a lower rate relative to other mutual funds; however, these funds generate lower relative levels of capital gains and/or dividends compared with the average mutual fund.

A tax-deferred account can be used by taxpayers to make income-producing investments. Examples of tax-deferred accounts include a 401(k) plan and an IRA. Any capital gains or dividends earned from investing in these accounts are automatically reinvested into the account, which continues to grow tax-deferred until the taxpayer makes withdrawals.

Irrevocable trusts are useful for individuals who want to optimize estate tax efficiency. When a person owns assets in an irrevocable trust, they surrender incidents of ownership because they cannot revoke the trust and take back the assets. By using an irrevocable trust, the asset owner, in effect, removes assets from their taxable estate.

Another way to gain tax efficiency is to hold stocks for more than a year. This will subject an investor to the more tax-efficient long-term capital gains rate.

Our asset management services are personalized because we understand that financial goals are unique to each individual. When you work with AOG Wealth Management, we complete rigorous on-site due diligence and create investment solutions that are based on your personal circumstances and objectives. Call us at (866) 993-0203 to learn more about our services. We serve clients in Great Falls, VA, and nearby areas.

3 Simple Tips to Build Sustainable Wealth Before Retirement

Tue, 11 Dec 2018 01:10:00 GMT

AOG Wealth Management Inc. provides wealth management and investment management services that are tailored to meet our clients’ specific financial objectives and needs. We have many years of experience, and our investment strategies go beyond the traditional asset classes. Today, we will provide tips to help you build sustainable wealth before retirement:

Save Early

The earlier you begin planning for your retirement, the better off you’ll be once it finally arrives. Individuals who begin saving and planning in their 20’s are better equipped to handle emergencies like unexpected medical expenses. Saving early will help you minimize the impact of setbacks and ensure that your retirement plan succeeds. Early investing will also provide you with valuable experience.

Live Within Your Means

There are many ways to prepare for retirement so you can support yourself for the remainder of your life. One of the best ways is spending less than you earn. This is the first step to building sustainable wealth. Consistently spending less than you earn will provide you with more resources to invest and build your wealth. As a wealth management services provider, AOG Wealth Management Inc. suggests living well within your means.

Diversify Your Investments

There are many different stocks to invest in, and there are many kinds of investments other than stocks. Diversifying your portfolio will help minimize risk and allow you to more easily weather changes in the economy. The more you diversify, the less chance you have of losing all of your assets in one fell swoop. Diversifying your investments will also help you identify the avenues of investing you most prefer.

When you work with AOG Wealth Management Inc., your wealth management advisor will help you create a unique financial plan and provide you with the products and services best suited to your individual goals. We always start by establishing good relationships with our clients through our highly responsive and personalized client service. Call us at (866) 993-0203 to learn more about our services. We serve Washington, DC, and nearby areas.

MESSAGE FROM THE PRESIDENT: Staff Accomplishments

Thu, 06 Dec 2018 01:10:00 GMT

At AOG, continued growth and education are key parts of our team’s annual goals. Whether it be a new professional designation, training conference, or continuing education course, we are regularly looking for opportunities to boost our experience and knowledge to better continue to serve our clients. We’d like to take a few moments to celebrate some of the recent accomplishments of several team members!

Erin Long and Wiehan Peyper both passed the Series 7 (General Securities Representative) and Series 66 (Uniform Combined State Law) exams. Lydia Gosselin passed the Series 65 (Uniform Investment Adviser Law) exam and is in the process of sitting for the Series 7 exam. Each of these exams provides Wiehan, Erin, and Lydia with additional opportunities to advise our clients and support our advisory & analyst teams in a more in-depth manner. The exams are lengthy and require rigorous studying in order to prepare – we’re incredibly proud of our team!

Cheers to Fred

Wed, 05 Dec 2018 01:10:00 GMT

AOG Wealth Management CEO and President, Fred Baerenz was nominated for the third year in a row as a top Investment Adviser. Jim Ortlip was also honored for a third year in a row, having been nominated in the category of Financial Planner.

And no great honor comes without immense congratulations and appreciation to the entire Client Service Team and Analytical staff at AOG Wealth Management who help support Fred and Jim in all the work they do to help our clients.

Financial professionals are nominated for this recognition via a survey sent out by Northern Virginia Magazine to all Northern Virginia financial Professionals asking them to recommend other financial professionals to whom they would recommend family and friends.

5 Important Things Every Estate Plan Should Have

Tue, 04 Dec 2018 01:10:00 GMT

The investment management advisors from AOG Wealth Management, Inc., can help you meet your financial goals. We will serve as your financial steward and help you manage your wealth with accountability, accuracy and integrity. As a team, we incorporate multiple services and platforms to provide you with unique financial plans.

Today, we discuss estate planning must-haves below.

1. Trust or Will

You need a will or trust in your estate plan, even if you do not have substantial assets, because they can help you distribute your property according to your wishes. The wording of your trust or will is important, and it has to be written in a manner consistent with the way you’ve bequeathed the assets that pass outside the will. This helps prevent a contested will.

2. Beneficiary Designations

If you do not name your beneficiaries, the court will be the one to decide the fate of your funds. The judge is not aware of your intent, beliefs or situation, so they will be unlikely to distribute the assets according to your wishes. AOG Wealth Management, Inc., provides wealth management solutions and estate planning. We can guide you in figuring out how to best distribute your assets.

3. Letter of Intent

The purpose of a letter of intent is to define what you want to be done with a particular asset after your incapacitation or death. You can also use it to outline funeral details. A letter of intent can help inform a probate judge of your wishes if your will is deemed invalid.

4. Durable Power of Attorney and Healthcare Power of Attorney

Drafting a durable power of attorney will give the person you’ve chosen power to act on your behalf once you are no longer able to do so. Without a power of attorney, decisions regarding your assets might be left to the court in case of incapacity in whatever form. A healthcare power of attorney is similar because it designates another individual to act on your behalf to make important healthcare decisions if you are incapacitated.

5. Guardianship Designations

Choosing a guardian is incredibly important if you have minor children. The couple or individual you choose should be financially sound, share your views and be genuinely willing to take care of your children. You should also name a backup or contingent guardian.

AOG Wealth Management Inc.’s asset management services and other financial services can help you accumulate and safeguard your wealth. Our advisory team is made up of an Accredited Investment Fiduciary® and Certified Financial Planners® that know how to provide specific financial guidance to our clients, even under volatile market conditions. Call us at (866) 993-0203 to learn more about our services. We serve clients in Great Falls, VA, and nearby areas.

AOG in the Community: Movie on the Green 2018

Tue, 04 Dec 2018 01:10:00 GMT

On a crisp, fall evening AOG Wealth Management and Celebrate Great Falls enjoyed taking Great Falls back to the 1980’s with the showing of the original Ghostbuster’s film on the big screen.

It was an enjoyable evening for whole audience, whether they were enjoying the Ghostbuster’s for the first time or the fiftieth. There was free popcorn and water for the audience, and AOG handed out their popular mini-flashlights to help see in the dark. To go along with Celebrate Great Falls 1980’s Movie on the Green Series theme, AOG raffled off a gift basket filled with 1980’s era candy and an authentic 1984 plastic Ghostbuster’s lunch box and thermos! It was fun to reminisce about our childhood lunch boxes with so many attendees.

Things You Should Know About Home Mortgages

Thu, 29 Nov 2018 01:10:00 GMT

AOG Wealth Management, an investment management services company, offers clients wealth management services in a boutique setting. We complete rigorous on-site due diligence on all prospective and ongoing investments and we provide our clients with customized investment solutions.

Today, we explain what you should know about home mortgages.

What Is a Home Mortgage?

A home mortgage is a loan given by a mortgage company, bank or other financial institution for the purchase of a residence. In a home mortgage, the borrower transfers the title of the property to the lender on the condition that the title will be transferred back once the borrower has paid the mortgage and met its terms. A home mortgage can have either a fixed or floating interest rate, which the borrower will pay monthly together with a contribution to the principal loan amount.

Things You Should Know

In a home mortgage, as the borrower pays down the principal over time, the interest is calculated on a smaller base so future mortgage payments apply more toward principal reduction. It’s beneficial to use an online mortgage calculator to figure out payments over time.

Home mortgages can range from 10 to 30 years and there are two main types: fixed rate and adjustable rate. In an adjustable rate mortgage, the interest rate and periodic payment may vary, while they are generally the same in fixed rate mortgage. As part of our wealth management services , we can provide home mortgage assistance to our clients.

A home mortgage is one of the most common and advised forms of debt. Mortgage loans typically have lower interest rates than almost any other kind of debt an individual consumer can find. To obtain a home mortgage, an individual must submit an application and information about their financial history. The lender will use this information to determine if the borrower is capable of repaying the loan. If the borrower cannot, then the lender can take possession of the property, a process known as foreclosure.

When you work with our wealth management advisor , they will discuss your financial objectives and tolerance for risk and they will help you plan an effective strategy to safeguard and increase your wealth. We can assist with estate planning, investment planning, home mortgage assistance and more. Call us at (866) 993-0203 to learn more about our services. We serve Washington, DC, and nearby areas.

Private Banking and Wealth Management Differences

Tue, 27 Nov 2018 01:10:00 GMT

Wealth management and private banking are terms that overlap, but these two financial services differ slightly. Private banking usually refers to an envelope solution wherein a private or public financial institution offers high-net-worth clients personalized management and care of their finances. Wealth management is a broader category that involves dealing with the optimization of the client’s portfolio.

The investment management advisors at AOG Wealth Management explain more below.

Wealth Management vs Private Banking

Private banking does not always deal with investing because not all banks will be involved in the actual process of investing assets for their clients. However, private banking staff members may offer clients guidance on certain investment options. Wealth management professionals, on the other hand, provide advice to clients to help them improve their financial standing and they help clients invest their assets. Private banking can extend to encompass wealth management; however, wealth management firms cannot provide clients with the services of a private banking facility.

Wealth Management

Wealth management solutions typically involve advice and execution of investments on behalf of clients. Wealth management advisors also help manage client portfolios and help with financial planning. Generally, a wealth management advisor will discuss things one-on-one with each client and they will then compose an investment strategy that takes into account the client’s comfort levels with risk, their goals and their other stipulations and restrictions.

Private Banking

Private banking involves financial institutions that provide financial management services to high net-worth individuals. Private banks provide an exclusive service to HNWI. Their clients will never have to wait in lines or deal with a teller. They can simply contact their lead advisor and complete just about any transaction. Private banking services can also provide investment-related advice and can help clients plan and save for retirement.

Our asset management services and other financial services can help you meet your unique and evolving financial goals. We manage our clients’ wealth with accountability, integrity and accuracy. We can incorporate more financial platforms and services than other firms and provide you with a personalized financial plan. Call us at (866) 993-0203 to learn more about our services. We serve Great Falls, VA, and nearby areas.

Investment advisory services offered through AOG Wealth Management, Inc. The article and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your accountant, tax, or legal advisor with regard to your individual situation.

Wealth and Asset Management Explained – Part 3: Wealth and Asset Management Planning: How Much Is Enough?

Fri, 23 Nov 2018 01:10:00 GMT

Wealth and asset management are designed to maintain and grow your finances, helping you secure a life of financial stability and freedom. You’ve always heard that it pays to start early, but how do you know that you’ve done enough with your finances? The answer differs for every individual, but you can figure it out by considering several factors, starting with how much money do you need to cover basic needs and your retirement.

Why Define What’s Enough?

Having a clear idea of what’s “enough” for you helps determine the kind of risk you need to take to achieve your financial goals. The more “nice-to-haves” you convert into “must-haves,” the bigger your portfolio has to be and the greater the risks you have to undertake to get to where you to need be.

Preserving Your Nest Egg

Once you’ve determined that you have enough money to take care of your needs, consider shifting your focus to maintaining and preserving your nest egg. This begins with a complete review of your portfolio to see what kind of risks you’re taking on. Keep in mind that getting rich is different from staying rich, so the two will call for different strategies.

Wealth and asset management are great at giving you a handle on your finances. With a reliable, capable manager at your side, they even have the potential to change your life. Have a clear grasp of what you want to achieve and you’re an important step closer already to meeting your financial goals.

Wealth and Asset Management Explained – Part 2: Maximizing Wealth and Asset Management

Fri, 16 Nov 2018 01:10:00 GMT

Wealth and asset management are investments into your investments, so it’s important to make the most of these services. To do that, make sure you:

Get a Reliable Wealth or Asset Manager

Private individuals don’t usually have the time or knowledge necessary to properly manage their finances. Wealth and asset managers can make up for these shortcomings by addressing the unique financial situations that individuals with high net worth often have with a greater level of diligence and active management.

Typically, making a financial plan requires the use of different financial products and the expertise of different professionals. With a wealth or asset manager, you don’t have to go through the trouble of talking to multiple people to put plans into action. After your initial meeting, your wealth or asset manager will set up what you need, helping you get started on achieving your financial objectives as seamlessly as possible.

Understand Your Financial Goals

The general aim of wealth and asset management is to grow what you currently have. No matter your age, no matter your income, understanding your financial goals makes it easier for you to relay what you want to achieve more clearly. Being on the same page as your wealth or asset manager is good because it also helps you manage your expectations better. If you change your mind or just went through a major life event, simply let your wealth or asset manager know.

Wealth and asset management require a definite goal for direction, but they are flexible services. In fact, your manager should consult with you regularly every year to check if your goals are still the same and to let you know how your financial plan is working. If a certain strategy is not producing expected results, it can be tweaked or scrapped entirely to make way for desired outcomes.

Getting started with wealth or asset management is a great first step toward achieving your financial goals. But when is enough enough? Head on over to Part 3 of this blog series to learn more about wealth and asset management planning.

Wealth and Asset Management Explained – Part 1: The Importance of Wealth and Asset Management

Fri, 09 Nov 2018 01:10:00 GMT

Wealth and asset management can do a lot to help you achieve your financial goals, offering you stability and freedom especially in your retirement years. The two terms are often used interchangeably but they are actually different. Read on as we explain what these services are and how they differ from one another.

Wealth vs. Asset Management: What’s the Difference?

Wealth management is a high-level professional service that combines investment and financial advice, tax and accounting services, retirement or estate planning and legal assistance to help you achieve personal goals. Asset management, on the other hand, involves a financial services company, usually an investment bank, that handles cash and securities for a client.

Individuals with high net worth can benefit from the holistic approach of wealth management as it combines various financial products to manage a client’s needs today and in the future. Aside from individuals with high net worth, asset management is also ideal for corporations, government entities and financial intermediaries.

Think of wealth management as a general field under which asset management can be found.

Why They Are Important

While wealth and asset management are mainly geared toward accounts with high net worth, the idea behind the two can actually be applied to all income levels. In other words, whatever kind of wealth or assets you might have, properly managing your resources is key to not just maintaining them but growing them as well.

Money is meant to be spent, but it has to be done so properly to promote financial stability and freedom. Wealth and asset management can help you with that. Your wealth or asset management provider will seek to thoroughly understanding your goals and resources, determining the best course of action to yield the results you want.

Now that we’ve established that wealth and asset management are important, it’s time to talk about how to maximize them in Part 2 of this blog series.

4 Tips to Help You Recover From a Financial Setback

Mon, 15 Oct 2018 01:10:00 GMT

A major unexpected emergency can cause distress and take up all your attention and energy to resolve. Often, the emotional impact of a bad event means that money will be the last thing on your mind. However, you’ll need to focus on your financial stability whether you feel like it or not. Today, AOG Wealth Management, an investment management services company, talks about four ways to build financial resilience and bounce back from a setback:

We can assist you if you need a wealth management advisor to help you meet your financial goals. Our team has decades of combined experience and we specialize in helping our clients grow and safeguard their wealth even during a turbulent economy. Call us at (866) 993-0203 to learn more about our services. We serve clients in Washington, DC, and nearby areas.

How Is Saving Different Than Investing?

Sun, 14 Oct 2018 01:10:00 GMT

The registered investment management advisors at AOG Wealth Management provide financial services to help maintain and grow our clients’ wealth. We actively monitor investments and customize client portfolios to match their risk/reward profile and to help them better meet their financial objectives. In today’s post, we discuss the key differences between saving and investing:

Differences Between Saving and Investing

The biggest difference between saving and investing is risk. Saving carries minimal risk but also yields minimal gains. Meanwhile, investing offers the potential for better gains but also the potential for loss. The priorities for saving and investing are also different. As a rule of thumb, you should save for the short-term and invest for the long-term. Whether you should focus on saving or investing depends on your goals.

Typically, long-term is over seven years while short-term is under seven years. However, don’t be too focused on the specific number of years. As a wealth management solutions provider we suggest focusing on when you will need the funds, what your plan is for the funds, and the safety and risk associated with the funds. Both saving and investing are important and you should do both as early as possible.

When to Save vs. When to Invest

Saving is best used for funds that may need to be available in the short-term and that have a low risk of losing value. For example, you can use your savings for purchases and emergencies. When it comes to investing, the goal is for the funds to make you money, which is why investment vehicles have a higher amount of risk involved. Investing should focus on long-term goals rather than specific purchases.

We use our decades of experience and extensive knowledge to provide asset management services that can help you meet your goals. Our investment strategy always starts with establishing a good relationship with each client so we can better assist them in their journey towards financial freedom. Call us at (866) 993-0203 to learn more about our services. We help clients in Great Falls, VA, and nearby areas.

AOG Education Event Recap – Conservation Easements

Thu, 27 Sep 2018 01:10:00 GMT

Recently, accredited clients of AOG were given the opportunity to hear the latest information relating to conservation easements. Jack Hollander, vice president of capital formation at Ecovest was the guest speaker for the dinner event hosted at McCormick and Schmick’s in the Reston Town Center. Joining him for the event was Vern Burling, Vice president of Sales at Triloma Securities, the managing broker/dealer for Ecovest. Jack delivered a very insightful presentation about conservation easements in which he explained the ever-growing need of private capital to fill the void left by shrinking government budgets dedicated to conservation. For those unfamiliar with the concept, a conservation easement allows for a permanent (or into perpetuity) restriction to be placed on the developmental uses of land in order to protect its conservation values.

Ecovest’s mission statement describes how their programs strive to find the perfect balance between conservation and development of land; “We believe that development opportunities should not be judged on economic viability alone, but that the responsible use and preservation of natural resources should be equally considered.” Jack communicated the same message as he described how Ecovest has successfully brought 51 programs to market allowing investors to vote if the land owned by such partnerships should be fully developed (highest or best use scenario) or whether the conservation option would be instated – allowing for a charitable deduction to taxes. Historically, all programs have voted for the conservation easement route to be followed. Jack’s presentation covered not only the advantages but also highlighted the risks. He described in detail the risk mitigation strategies followed by Ecovest as it relates to an IRS audit. The high quality of underwriting standards used; the assurance of various independent appraisers for valuations; and the extent to which IRS requirements for conservation easements are not only met, but exceeded, were some of the points used to highlight why Ecovest has been so successful with their programs.

Overall, AOG clients attending the event enjoyed the interactive nature of the presentation which allowed for detailed questions to be answered. Jack’s clear and well-structured message brought great assurance of the high quality of the work done by Ecovest and steps taken to ensure that all legislative requirements are met. Given Ecovest’s notable distinction in this field it comes as no surprise that AOG has partnered with Ecovest for the last three years and looks forward to continuing this partnership over the coming years.

Conservation easements, the appraisal methodologies and applicable tax laws are highly scrutinized by the IRS and are subject to complex rules and requirements. Further, Real Estate development is subject to significant market risk and there is no guarantee that the projections presented in the development projections will be achieved if the Company pursued development of the property pursuant to the development plan. Further the units being offered hereby involve a high degree of risk including risks associated with the ownership and/or development of real estate, conflicts of interests and management risks and investment and operating risks as well as tax and financial risk associated with the transaction and general economy.

Qualified Opportunity Zones: A capital gains tax deferral strategy

Thu, 27 Sep 2018 01:10:00 GMT

Included in the Tax Cuts and Jobs Act is a new Opportunity Zone incentive designed to encourage investments in low-income communities and businesses. The new tax code will allow investors to redeploy realized capital gains from appreciated securities into projects or companies based in low-income areas allowing investors to reduce part of the tax obligation. More importantly, if investments are held for the adequate period (10+ Years), all post acquisition gains are eliminated for tax purposes. In contrast to historical incentives like the Enterprise Zones and New Market Tax credits which also aimed to attract capital flows to low-income communities, the Opportunity Zones program proposes far fewer restrictions on the amount to be invested, the limit to tax reductions, the time proceeds can compound tax-free and the types of investments that are to be made.

Click to read full article:

Qualified Opportunity Zones Article.pdf

Neither AOG Wealth Management can not guarantee the income projections outlined in the tax analysis and any references to growth from gains or assumed income are purely hypothetical in nature and do not reflect guaranteed results. There are a number of uncertainties related to Opportunity Zones and Opportunity Funds that have not yet been determined and are subject to change based on pending guidance that is expected to be issued by the US Department of the Treasury regarding the Tax Cuts and the Jobs Act of 2017 including the types of capital gains that can be rolled into an Opportunity Fund, how much times they will have to deploy capital and the tax treatment of pass-through partnerships.

Our analysis is based on various aspects of the Opportunity Zone Program including positions that we believe to be reasonable given the statute as currently written and prior Treasury and IRS precedent. As a result, there are no guarantees that the analysis presented is correct until such guidance and regulation is provided on Opportunity Zone programs. Therefore, each investor should consult with their own personal tax advisor prior to making any investment in an Opportunity Zone Program or Opportunity Fund. AOG Wealth Management, Inc. does not provide tax or legal advice. The opinions and views expressed here are for informational purposes only. Please consult with your tax and/or legal advisor for such guidance.

This material is neither an offer to sell, nor a solicitation to buy a security, which can be made only by the Memorandum and sold only by broker/dealers authorized to do so. All potential Investors must read the Memorandum, and no person may invest without acknowledging receipt and complete review of the Memorandum. These securities have not been registered under the Securities Act of 1933 and are only made available to individual who meet certain minimum requirements as an accredited investor under SEC Rule 501(a). Investors that do not meet these minimum standards are not eligible to participate in Regulation D offerings. Model Assumptions: Investment value assumed to grow at a simple 5% growth rate based on initial principal. Income derived from investment is modeled to commence in year 3 and to be maintained at a 5% rate based on value in year 3. Income taxes due are assumed to be based on the high depreciation costs associated with QOF property investments.

The Annual AOG Retreat

Wed, 26 Sep 2018 01:10:00 GMT

Each year, the AOG Wealth Management Team sets aside one day for an annual staff outing and team building day. This year, we kicked off the day by testing our problem-solving and analytical skills at a Breakout Room in Falls Church. One team worked to solve a mystery at a casino while the other sought to find a missing artifact from a museum. Pictured below are the two teams at the end of the one-hour window. Unfortunately, one of the teams was less successful than the other at breaking out of their room in time.

After lunch, we shifted to a more creative and artistic activity at Board and Brush in Fairfax. Each team member selected, designed, and created their own personalized rustic home décor piece. Pictured below are several of the team member’s finished designs!

If you haven’t gotten the chance to check out the Breakout Room in Falls Church or Board & Brush in Fairfax, both are fun activities to do with your families during the upcoming holidays or a group of friends on a weekend!

We work hard to provide exceptional wealth management services for our clients – we believe a day of rest and fun each year helps us to grow stronger as a team and come back refreshed and ready to work with excellence for the families we have the honor to serve!

MESSAGE FROM THE PRESIDENT: Tuning Out the Noise

Tue, 25 Sep 2018 01:10:00 GMT

I remember getting a “Civics” badge as a Boy Scout, attending the Presidential Classroom for Young Americans as a high school senior, and enjoying many civics debates in both high school and college. I even captained the William and Mary team on Model United Nations to victory at the nationals in 1984. Having majored in Government, History and Economics, I had wonderful professors from diverse political orientations make their observations with passion and intellectual vigor.

Like most of you, I have been so discouraged by over politicization from both the left and the right over the last three years. Although I rarely watch television, I am quick to “mute” or fast forward through any political add. During our weekly staff meeting the first week of August, we were scheduled to discuss tariffs, and their possible effect on the stock market. Wiehan usually selects material and leads that part of the meeting, but I asked him to utilize the article below in our briefing materials. It is authored by Kevin O’Leary, who is the Chairman of O’Shares, and an investor on ABC’s “Shark Tank. I find The Hill to be a reliable bipartisan site, so I hope you enjoy the read and are better able to “tune out” the partisan noise. Regardless of your political persuasion, we only have to endure another seven weeks of electioneering and partisan bickering!

https://thehill.com/opinion/finance/398564-advice-from-a-shark-ignore-the-trump-circus-focus-on-policy

What Is Wealth Management & 4 Reasons Why It Is Important

Sat, 15 Sep 2018 01:10:00 GMT

What Is Wealth Management?

Wealth management is an investment advisory discipline that incorporates several services for individuals and families seeking wealth protection, growth, and a work-optional lifestyle. We guide your loved ones so they can continue your tradition of diligent and prudent wealth management. You can have confidence and peace in knowing that your wishes will be respected, and your loved ones protected when transitioning from the primary decision-maker.

What Does Wealth Management Include?

Wealth management starts with good personal relationships which enables us to provide clients with products and services suited for individual goals. This process includes an investment strategy that finds solutions to managing your assets based on your risk tolerance. We provide you with support for your financial resources so you can continue to accumulate and safeguard your assets. We employ tax mitigation strategies that minimize the impact of taxes through tax-saving products. We guide you through the estate planning process. Our holistic approach allows us to work with your CPA to ensure wealth preservation.

What is the History of Wealth Management?

The concept of Wealth Management originated nearly 100 years ago, when large financial advisory firms sought to offer a more customized investing strategy for their most important customers. At AOG Wealth Management, this customer-first approach is still at the heart of what we do. You will work with a team of wealth experts who have years of experience to share with you. Rest assured knowing that each strategy is tailor-made to fit your goals, and your wealth advisor will guide you each step of the way.

4 Reasons Wealth Management is Important

1. It is a Holistic Approach to Managing Wealth

Wealth management is more than just investment advice because it can encompass all parts of a client’s financial life. A client will benefit from a holistic approach that brings together several services to meet their specific financial goals. A client no longer has to integrate different pieces of financial advice from different sources.

2. It Can Help Maintain Wealth

Wealth management can help maintain a client’s wealth and assist them in meeting their specific financial objectives. For instance, many wealth management solutions.

3. It Can Help With The Transfer Of Wealth

This is especially important for high-net worth individuals. Wealth management includes estate planning. A wealth manager can help a client protect their wealth and minimize fees and taxes. They will ensure a client’s wealth is distributed according to the client’s wishes.

4. It Is Based On The Client’s Wealth Goals

Changes in financial situations can lead to changes in financial objectives. A wealth manager takes this into account, so they regularly meet with their clients to update goals, investigate whether additional services are necessary, and review and rebalance the client’s financial portfolio.

AOG Wealth Management can implement unique strategies to help clients increase or safeguard their wealth. We have decades of experience in providing wealth management, asset management services , and other financial services to high net-worth individuals, companies, donor advised funds, trusts, and other similar accounts. Call us at (866) 993-0203 to learn more about wealth management. We help clients in Great Falls, VA, and nearby areas.

The Different Kinds of Mortgage Assistance Programs

Fri, 14 Sep 2018 01:10:00 GMT

Home ownership is a big responsibility, between keeping up with home maintenance, mortgage payments and taxes. There are some situations in which a homeowner can owe more on their house than it is actually worth, or where they get behind payments. Today, AOG Wealth Management, an investment management services company, discusses the different types of mortgage assistance programs that can help in this situation:

What Is a Mortgage Assistance Program?

A mortgage assistance program helps relieve some of the financial burdens and stress involved in owning a home. There are many institutions that offer mortgage assistance programs. A homeowner can also work directly with a mortgage servicer. It is in the lender’s best interest to work with a homeowner to develop a better payment program to avoid the costs and hassle of a foreclosure. State and local governments also offer mortgage assistance programs.

Types of Mortgage Assistance Programs

As a wealth management services company, we suggest learning about the various types of mortgage assistance available. Direct financial aid programs provide assistance by waiving certain fees and charges through grants and through interest-free loans. Loan modification programs provide a permanent change to your loan that can extend the number of years you have to pay your loan, lower your monthly payments or reduce the total amount of your loan. You can also refinance your mortgage by taking out a new loan to pay off an existing one. This can lead to more favorable loan terms.

A loan forbearance is a temporary suspension or reduction of your monthly payment that’s allowed by your lending company. After the forbearance period, the company can also offer a more affordable payment plan to pay back the missed amounts. There are also some state laws and programs that provide for a slowdown or postponement to the foreclosure process. Lenders and borrowers can work together through mediation to implement a feasible plan that avoids foreclosure.

We are a wealth management advisor with decades of experience and a unique approach to helping our clients achieve their financial objectives. As part of our asset management services, we use a modified endowment portfolio allocation for higher investment returns over long periods of time on a more consistent basis. Call us at (866) 993-0203 to learn more about our services. We serve clients in Washington, DC, and nearby areas.

What Sets AOG Wealth Management Apart?

Thu, 30 Aug 2018 01:10:00 GMT

As a Registered Investment Advisor, we specialize in providing investment management and wealth management services in a boutique setting. We actively monitor investments to customize portfolios for each client based on their risk/reward profile and their particular financial goals and objectives. We are known for our highly responsive and personal client service, our rigorous due diligence process and our distinct investment model. Learn more about what sets us apart here:

What Makes Us Different

We combine tax efficiency expertise, legal/estate planning, investment strategies and risk management to help our clients reach their personal financial goals. We utilize an endowment investment model with strategic investments diversified across eight asset classes. For example, a standard investment model has stocks, bonds and cash. Our individually designed client portfolios are more diverse and include stocks, bonds/bond alternatives, cash, natural resources, commercial real estate, private debt, private equity and managed futures and hedge strategies.

Our Asset Management Services

We have a long history of helping our clients grow and protect their assets even during periods of economic uncertainty. We provide asset management solutions that are sophisticated and based on individual clients. We will first complete the analysis of your existing portfolio and goals and then determine an asset allocation that will help you meet those goals. Upon your approval of this plan, we will provide continuous and ongoing management of your account.

We use a modified endowment model portfolio allocation, which is why we use several different investment vehicles and allocate portfolios across several asset classes. The endowment model aims for higher investment returns over long periods of time on a more consistent basis by allocating assets to non-public and public, relatively illiquid markets. Fixed income allocations are typically minimized under this model in comparison to market neutral income options.

Our asset management services can help you reach your financial goals. We have decades of experience providing financial services to high net-worth companies, individuals, trusts, donor advised funds and other accounts of similar nature. We help clients in Washington, DC, and McLean, VA. Call us at (866) 993-0203 to learn more about our services.

The Difference Between a Financial Advisor and a Financial Planner

Wed, 29 Aug 2018 01:10:00 GMT

AOG Wealth Management is an independent Registered Investment Advisor that specializes in providing investment management and other financial services for high-net worth individuals, companies, trusts, pension plans and other accounts of a similar nature. Today, we will explain the difference between a financial advisor and a financial planner:

What Is a Financial Advisor?

Financial advisor is a broad term for a professional who can help manage your money. A financial advisor provides financial guidance to their customers for compensation, and many different types of financial professionals fall into this general category. Financial advisors can be investment managers, tax preparers, stockbrokers and insurance agents. A financial advisor must hold a Series 65 license if they are working with the public.

What Is a Financial Planner?

A financial planner is a type of financial advisor who assists individuals and companies in creating a program that meets their long-term financial goals . Every type of financial planner is a financial advisor, but not all financial advisors are financial planners. A financial planner might specialize in estate planning, investments, taxes or retirement and they may hold various licenses or designations. Because we provide wealth management services, our team is composed of Certified Financial Planners® with many years of experience managing client finances.

What Is a Certified Financial Planner?

The designation of Certified Financial Planner (CFP®) is given by the Certified Financial Planner Board of Standards, Inc. and it is a recognized standard of excellence within the industry. Obtaining CFP certification requires significant experience effort. A candidate must meet rigorous requirements in ethics, work experience, education and must pass the CFP exam. In addition, CFP professionals must also complete continuing education programs each year to maintain their certification.

We are the firm to call if you need a wealth management advisor who provides customized solutions based on your specific and personal objectives, circumstances or goals. We complete rigorous, on-site due diligence on all prospective and existing investments, and we employ a durable income model. We help clients in Ashburn, VA, and Washington, DC. Call us at (866) 993-0203 to learn more about our services.

Things to Remember About Asset Allocation

Thu, 16 Aug 2018 01:10:00 GMT

AOG Wealth Management provides customized investment management and wealth management services to clients based on their unique financial objectives. As an Independent Registered Advisor, we specialize in managing wealth for high-net-worth companies, individuals, trusts and accounts of similar nature. Today, we discuss asset allocation:

Understanding Asset Allocation

Asset allocation is an investment portfolio technique that helps balance risk by dividing assets among major categories like derivatives, cash, real estate, stocks and bonds. Since each asset class has different levels of risk and return, they will behave in different ways over time. While one asset class increases in value, another might not move or even decrease. The right asset allocation can help protect you against major loss if something goes wrong with one investment class or subclass.

Things to Remember When Allocating Assets

We help our clients reach their financial goals through our asset management services, which we tailor to the unique needs of each client. There is no simple formula for asset allocation, but it’s important to keep certain key points in mind. You need to have a specific goal when allocating your assets, and your portfolio needs to reflect that goal. Don’t be afraid to modify your asset allocation as circumstances change.

It’s important to save and invest as soon as possible if you want to enjoy the best results from your portfolio. You also need to understand the risk-return tradeoff and how much risk you can tolerate. You have to develop the ability to weigh the relationship between risk and return if you want your asset allocation to be successful.

We provide McLean asset management services to help our clients from all different backgrounds to safeguard and increase their wealth. AOG Wealth also provides financial planning services and small business services. We serve clients in Washington, DC and the entire Metro DC area. Call us at (866) 993-0203 to learn more about our services and how we can help you.

The above summary has been obtained from sources we believe to be reliable, but we cannot guarantee its accuracy or completeness. Past performance is no guarantee of future results.

Tips on Building Sustainable Wealth Before Retiring

Wed, 15 Aug 2018 01:10:00 GMT

AOG Wealth Management is a Registered Investment Advisor that provides investment management and wealth management services in a boutique setting, offering our clients customized solutions based on their individual goals. Today, we share some important tips for building sustainable wealth before retirement.

Save and Invest Early

The earlier you begin investing and saving, the better off you will be in the future. This holds true even if you start by investing small amounts. Saving and investing early will make you better equipped to deal with emergencies such as last-minute medical expenses or a sudden career change. Starting early will provide you with valuable financial experience.

Diversify Your Portfolio

There are many different ways to invest and there are many different things to invest in. As a wealth management advisor, we recommend diversifying your portfolio to minimize risk. In addition, we suggest learning about all the different ways to invest if you aim to build sustainable wealth. Diversifying reduces your vulnerability to the ebbs and flows of the market and allows you to learn about which avenues of investing you like the most.

Spend Less Than You Earn

Spending less than you earn gives you the room you need to save and it is an important step in building sustainable wealth. Fortunately, there are many methods to successfully cut costs in day-to-day spending. For example, cancel magazine subscriptions you don’t need, cut cable, shop at more affordable places and so on.

Save as Much as You Can

Some sources recommend saving a minimum of 20% of your monthly income if you want to build sustainable wealth. However, you need to keep saving even if you cannot meet this goal for now. There are many ways to help you maintain the level of discipline necessary to keep saving. For example, you can enroll in a 401k savings plan that deducts a certain amount from your paycheck or join an automatic savings program offered by a bank.

Our wealth management advisor performs a rigorous due diligence process and provides highly responsive and personal client service. We consider ourselves financial stewards and we focus on managing your wealth with accuracy, integrity and accountability. We help clients in Washington, DC, and Ashburn, VA. Call us at (866) 993-0203 to learn more about our services.

The above summary has been obtained from sources we believe to be reliable, but we cannot guarantee its accuracy or completeness. Past performance is no guarantee of future results.

MESSAGE FROM THE PRESIDENT: Funambulists

Thu, 26 Jul 2018 01:10:00 GMT

Jim Ortlip, Wiehan Pieper and I were in New York City last week meeting with five companies that are on the AOG platform, or under consideration. As sports enthusiasts, we couldn’t resist taking a picture (see below) in front of the check-in desk for the National Football League (which we didn’t visit), while we were really in the building visiting with executives of Blackstone.

Many people don’t realize that Blackstone, with almost $450B in assets under management is quite a bit larger than Warren Buffet’s Berkshire Hathaway at $285B. One of our meetings at Blackstone was with Karen Sprogis, the Managing Director of Real Estate. We had a thorough briefing from her, discussing Capitalization Rates and other factors on various real estate sub asset classes, both in the United States and in other developed countries where Blackstone operates. Karen will be presenting to select AOG clients in October, so it was a great preview from a consummate commercial real estate professional. For those of you who can attend, it will be an excellent presentation.

Two of our most informative sessions were meetings with senior executives that oversee global strategy for both Blackstone and Goldman Sachs. Jim, Wiehan and I were able to test our foundational premises and ask detailed questions about their assumptions on investments and the global economy. Wiehan utilizes information and analysis from Blackstone, Goldman Sachs and J.P Morgan to inform our investment committee meetings and analyze our portfolio performance, so he particularly enjoyed meeting them in person.

One of the most compelling pieces we have reviewed is a publication by Goldman Sachs entitled Market Know-How. Under the heading “Walking the Tightrope”, the piece opines that “Late-cycle experiences are often associated with elevated equity valuations, tight credit spreads, and financial excesses. These conditions can create vulnerability even when the operating environment is sound. History also demonstrates that late-cycle equity returns can be robust, rewarding a disciplined approach.” The piece further declares that balance, agility and focus are the critical elements of this “tight-rope” strategy.

I didn’t realize that the proper name for “tight-rope” walkers is funambulists. It took me a couple of times to properly pronounce the name fu·nam·bu·list [fyo?o?namby?l?st]. As I thought about the metaphor, I realized that they picked an excellent example. The current bull market run is in the tenth year, and if it lasts through November of this year, it will become the longest in US history. It may well last for a couple more years. However, it is definitely “late stage”, and I think will continue to bring significant volatility. One can see daily dangers to the market expansion in turbulent tariff negotiations that could lead to all-out trade wars. The North Korean situation is far from settled. The Federal Reserve is still balancing future rate hikes against potential rising inflation. The US job market has for the first time in history produced more job openings than people searching for jobs. The President is challenging the core assumptions of NATO, which has operated for 70 years. The US is facing the most contentious mid-term election in decades. Balance….Agility….Focus. Onward the funambulists!

Real Estate Investment Trusts are a longer-term illiquid investment and may not be suitable for all investors. Vacancies can negatively impact income and capital gains potential. Investments in real estate may be affected by adverse economic conditions and regulatory changes. Distributions are not guaranteed. Due to the risks involved in the ownership of real estate, there is no guarantee of any return on your investment, and you may lose all or a portion of your investment. This is neither an offer nor a solicitation to purchase any products, which may be done only with a current prospectus. Investors should consider their investment objectives and risks, along with the product’s charges and expenses before investing. Please read the prospectus carefully before investing.

AOG in the Community: 4th of July Fun!

Wed, 25 Jul 2018 01:10:00 GMT

AOG Wealth Management is honored to be a Platinum Partner Sponsor of Celebrate Great Falls , and there is no bigger day where we get to enjoy celebrating our community and our Country than during the full day of activities CGF hosts on the 4th of July.

In 2018 AOG Wealth Management added the Annual Great Falls Trail Blazers 5K Walk/Run to our 4th of July line-up. We were happy to help sponsor the 5K this year and a few of our staff members and their family braved the heat and humidity to run or walk along the beautiful trails. The Great Falls Trail Blazers are a local organization whose mission is “to develop safe, scenic, multi-purpose trails throughout the Great Falls community where people can walk, ride horses or bike.” A big Congratulations to our very own AOG Analyst & Triathlete, Wiehan Peyper, who finished in 2nd Place this year!

Fred and Sheila Baerenz, and their young helper Emerson, were honored to again be entrusted with the challenging role of Official Parade Judges for the 4th of July Main Parade. Competition was strong for all four Float categories: Best Neighborhood; Best Business; Best Organization; and Best Mini-Float. The winners, in corresponding order, were The Burke Family, the Adrenaline Studio Dance Team, the Great Falls Rapids Swim Team, and the Great Falls Garden Club. Congratulations to all the winners!

AOG Wealth Management was also proud to be a Silver Sponsor again this year for the 4th of July Fireworks at Turner Farm Park. Family, friends and neighbors came together to enjoy music, games, food tents and more, all before the big show began. Thankfully with the setting sun came more comfortable temperatures, which made for a perfect evening of sitting under the stars enjoying the fireworks, and a lovely conclusion to a full day of fun in our beloved Great Falls.

AOG’s Summer Food Drive 2018

Sun, 15 Jul 2018 01:10:00 GMT

The AOG Wealth Management community came together in June to collect food and funds for the Capital Area Food Banks’s annual Kids Summer Meal Program and the Mobile Food Program. Our goal was to help as many kids as possible during the challenging summer months when kids in need no longer have access to free or reduced-cost meals at school.

AOG clients and staff donated a whole bin full of quality, non-perishable food. AOG Clients and friends who could not make it to the AOG offices stepped up to contribute to our Digital Food Drive and helped us get more than halfway to our goal of $500. We are so thankful for all the generosity shared by all our clients and friends!

If you would like to donate, our Digital Food Drive is still open. To learn more, please visit AOG’s Summer Food Drive 2018

Impactful Generosity

Sat, 14 Jul 2018 01:10:00 GMT

On May 23 ^rd , the Washington, DC Metro Chapter of Advisors in Philanthropy hosted an event at the Imagination Stage in Bethesda, Maryland centered around “Stories on Impact- How Advisors and their Clients are Amplifying Giving in their Communities.” Fred Baerenz was asked to be a featured panelist to discuss how our team exemplifies this in our client discussions and how philanthropy is at the very core of our firm.

He shared his personal experience of working with non-profits as a volunteer and board member, but also challenged the members and guests in attendance to re-center their business practices on what is important and long lasting: having a positive impact on another person, whether directly or indirectly.

At the event, we also heard from other financial professionals, leaders in several nonprofit organizations and individual donors who are living lives of impact. It was an honor to hear how small seeds of interest, passion and conviction have grown to provide giving opportunities for the arts, underserved communities in our region and public-school music education programs.

At AOG Wealth Management, we guide our clients to prepare for their “work optional” years, but also encourage them to look for ways to impact their communities, whether financially or through volunteering. We have worked with many of our clients to develop and execute their specific gifting plans utilizing Donor Advised Funds and Charitable Remainder Trusts in addition to their annual giving from earned income. If you would like to learn more about how our team can help you to be intentional in your giving strategy, please let us know. We are honored to work with you as we each do our best to progress philanthropic efforts which will impact our communities near and far.

AOG in the Community: Annual Charity Golf Tournament

Sun, 24 Jun 2018 01:10:00 GMT

On Monday, May 14 a gorgeous day on the links at the Hidden Creek Country Club was enjoyed by all the golfers and volunteers participating in Celebrate Great Falls’ Annual Charity Golf Tournament supporting our three local elementary schools: Colvin Run, Forestville, and Great Falls.

Each year the AOG staff has fun volunteering with registration, driving golf carts, Closest to the Pin contests, or whatever else the tournament committee needs us to help with. We also host a golf foursome or two for the office golfers and their peers.

This year AOG was especially thrilled to sponsor the inaugural Kid’s Putting Contest encouraging the next generation of golfers. Students from the local elementary schools, grades Kindergarten through 6th grade, came to Hidden Creek, after school, to enjoy demonstrations and instruction from the State Championship-winning Langley High School Golf Team. Then came the main event – the Kids Putting Contest – where the children competed for fun and their schools honor. A big shout-out goes to those very talented – and patient – Langley H.S. golfers who instructed the kid’s while sometimes dodging swinging putters and airborne golf balls.

After the Putting Contest, all the kids, their families, and the adult golf tournament participants retired to the Hidden Creek Club House to enjoy the All-You-Can-Eat BBQ buffet – and escape the sudden storms that kindly waiting till after the tournament to arrive. It was great to see so many come out to support our community and our schools.

AOG in the Community: Amadeus Concerts

Sat, 23 Jun 2018 01:10:00 GMT

AOG Wealth Management was pleased to become a “First Chair Club” sponsor for the Amadeus Concert’s 2017 – 2018 Concert Season. If you have not heard of this local musical gem, let us introduce you.

Amadeus Concerts has been bringing beautiful, professional classical music into local venues in Great Falls and McLean for over 39 years. Led by Artistic Director and Conductor, A. Scott Wood, each season includes the perfect blend of orchestral, vocal and local chamber music concerts.

The Concerts are family friendly with late afternoon (matinee) start times and youth, ages 18 and younger, are admitted for free.With free parking, affordable ticket prices, and Meet the Artist receptions after each concert, these make for the perfect outing.

Some highlights from the 2017-2018 season:

– The Bonis Ensemble, performing the inaugural concert of Amadeus’ partnership with Baltimore’s Peabody Conservatory

– A Gershwin Celebration operatic concert

– Amadeus’ annual Messiah Sing-along

– An Emerging Artist Concert with 12-year-old piano prodigy Oscar Paz-Suaznabar (see NPR’s “From the Top”) with 17-year-old National Symphony Orchestra Youth Fellow violinist Julia Angelov.

If you find yourself intrigued, then please visit their website [ www.amadeusconcerts.com ] to learn more. We hope to see you at a concert next season!

AOG’s Annual Mid-Year Economic Update Features Chief Economist

Fri, 22 Jun 2018 01:10:00 GMT

On a rare sunny evening in May, AOG hosted our annual Mid-Year Economic Update at the lovely 2941 Restaurant in Falls Church for our clients and their friends. This year we were honored to host First Trust’s Chief Economist Brian Wesbury as our keynote speaker.

Brian Wesbury was recently named the co-winner of the Forecaster of the Month honor for April 2018 by MarketWatch.com, along with his Deputy Economist Bob Stein (AOG’s Mid-Year Economic Update speaker for 2017). Mr. Wesbury wrote the book It’s Not As Bad As You Think [c. 2009] and he shares his economic analysis weekly through his Monday Morning Outlook blog and his Wesbury 101 – Economic Video Commentary. (Links to his economic commentary and other market commentary can be found in the Media Room on our website.)

Mr. Wesbury delivered an astute presentation about the current state of the economy and provided the audience with numerous examples of a healthy and growing market. He made the case for the stock market by highlighting its ability to outperform other asset classes over the long-term. The corporate sector’s increasing importance in contributing to GDP growth along with stronger underlying factors which could boost corporate profits in the future were just some of the supporting arguments presented in favor of a higher overall market level. Wesbury pointed to growing real-business investment spending as a percentage of GDP; innovation from business owners and overall productivity growth as key drivers to help explain the strong state of the labor market and the historically low unemployment rate.

In addressing some of the major obstacles for the economy Wesbury focused on the growing non-defense government spending rate and increasing social costs and highlighted how the private sector should be allowed to operate in a less restricted environment. He saw recent changes to deregulate as a step in the right direction which could assist small business owners to fully participate in the expanding market environment. Whereas many market commentators have expressed some concern over recent federal funds rate hikes, Mr. Wesbury pointed to longer term trends in the nominal GDP growth rate to clarify his view that interest rates still have some room to move before becoming a cause for alarm. Considering the overall view of the market; current stock market valuations and First Trust’s Capital profits model Wesbury concluded that the market still holds upside potential and, in his opinion, still present a justifiable investment opportunity.

We thank Mr. Wesbury for coming to Virginia to share his economic outlook with us. AOG Wealth Management hosts about seven education events a year for our clients and the Mid-Year Economic Update is always quite popular.

Pictured L-R: AOG Advisor Michelle Whitlock, Brian Wesbury, and AOG Analyst Wiehan Peyper

MESSAGE FROM THE PRESIDENT

Thu, 21 Jun 2018 01:10:00 GMT

We are proud to share our staff’s family member accomplishments at AOG Wealth Management, and this spring we have good news to share.

Fred and Sheila went to Albany, New York on May 24 ^th to watch son Joe be admitted to the New York State Bar. It was a short ceremony, but somehow it makes a difference to have a judge and court make it official. Attached is a photo of Sheila, Joe and Fred standing in front of the stairs to the Albany Capital Building after the program.

Joe assures us it is frowned upon for a lawyer to represent his own family, so we will have to continue to toe the line.

Joe has been working in the financial field in New York City since graduating from UVA Law School last spring. As one AOG Wealth Management’s first summer interns, we are proud to have helped set him on his career path!

Jim and Len Ortlip traveled to Salisbury University in Maryland this spring to celebrate son Austin’s graduation with his Master’s Degree in Applied Physiology. Austin not only worked hard scholastically, but also physically, and in addition to his Masters, received recognition in the Fall as Maryland’s Strongest Man 2017 in the LW 175’s division. What a great way to advertise his expertise! Austin was also an intern at AOG Wealth Management once upon a time, and we like to take credit as well for his dedication to his craft.

Finally, but also an example of dedicated work, Emerson Miller graduates from Forestville Elementary School this Spring. Emerson has contributed much to our company, helping man the Halloween candy give away in Great Falls, and assisting the Judges at the Celebrate Great Falls 4 ^th of July Parade. We wish him many successes in his new school next year.

We look forward to sharing other family member’s successes in future newsletters.

Together the restaurant, chef and groceries make for fine dining.

Thu, 07 Jun 2018 01:10:00 GMT

On April 10 ^th , AOG held its third client education event for the year at the Ruth’s Chris restaurant in Tysons . The guest speaker for the event was Sean Nelson, director for the Client and Partner Group at Kohlberg Kravis Roberts & Co. ( KKR ).

Sean’s expertise in working with leading private wealth platforms, family offices, registered investment advisors, and high net worth individuals within the private equity industry allowed for some valuable insight about the business. Sean shared with the audience of accredited investors how private equity provides a quantifiable advantage to a diversified portfolio. Private equity’s historical track record of being able to cushion investors against severe market downturns in addition to the exposure to a much broader investment opportunity set were just a few of the benefits highlighted during the presentation.

Investments by private equity firms into companies go beyond mere financial allocations and, in many instances, through extensive partnerships with management teams and change management, greater value can be created by improving productivity and creating growth. The ability of private equity firms to spread investments between the three categories of Primary (new funds), Secondary (more mature funds) and Co-investments (holding-by-holding investment alongside managers) gives them a great amount of flexibility to extract value from companies through various phases of the business cycle. The “J-curve” effect (negative returns in first few years of investing) associated with private equity can also be managed more effectively by allocating investments across the three categories listed above. Sean explained how KKR with its global reach can be very selective in filtering through thousands of investment opportunities and select only those that prove to be the most attractive.

Altegris has partnered with KKR to provide retail investors the opportunity to invest in this asset class through the Altegris KKR Commitments fund. Sean provided a very fitting analogy for how Altegris as the investment adviser is the restaurant, how the StepStone Group and its involvement as the sub-adviser acts as the chef, and KKR with their broad exposure and deal-flow origination can be seen as the groceries. All together, these various elements make for an interesting combination to deliver a quality private equity offering.

This material should not be considered a solicitation of an offer to sell/buy any specific security or offering. Investors are advised to consider the investment objective, risks, charges and expenses of an offering carefully before investing.

These securities have not been registered under the Securities Act of 1933 and are only made available to individuals who meet certain minimum requirements as an “accredited investor” under SEC Rule 501(a). Investors that do not meet these minimum standards are not eligible to participate in Regulation D offerings.

AOG Wealth Management Summer Food Drive 2018

Sat, 02 Jun 2018 01:10:00 GMT

Help us stock the food pantry for the kid’s this summer break!

June 1 – June 15

AOG office hours: 8:30 am – 5 pm

10130-E Colvin Run Road

Great Falls, VA 22066

Help us stock the food pantry for the kid’s this summer break! The Capital Area Food Bank runs the Kids Summer Meals Program and the Mobile Food Program to help kids get the food they need when they no longer have access to free and reduced school meals. We will be collecting non-perishable food items, for the Capital Area Food Bank, at our office in Great Falls during AOG office hours, 8:30 am – 5 pm, from Friday, June 1 through Friday, June 15.

If you can’t make it to the AOG offices, but would still like to participate, please see the follow the link to donate online. https://www.mightycause.com/story/Gey1af

Most Wanted Items (high fiber, low sugar, low sodium): Canned or Dry Beans; Peanut Butter; Canned Vegetables; Grains; Hot and Cold Cereal; Canned Tuna, Salmon, or Chicken; Healthy Snacks; Canned Fruit; and 100% Juice

MESSAGE FROM THE PRESIDENT

Sat, 26 May 2018 01:10:00 GMT

Pictured L-R: Fred Baerenz, Mat Dellorso, Alice Connaughton, Rebecca Richardson, and Rep. Don McEachin (D-4-VA)

The Institute for Portfolio alternatives met in Washington DC on April 17 ^th and 18 ^th . Two of the organization’s primary goals from 2017, of preserving the IRC 1031 Exchange Provision for real estate transactions, and passing the Business Development Company Modernization Act had been accomplished earlier in the year. Quite a bit of work was expended to preserve tax benefits for our clients who wish to transact investment real estate with tax deferral. The same provision is very helpful for investors in Real Estate Investment Trusts. Although other beneficiaries of the 1031 exchange rules such as aircraft and car companies and cattle dealers elected to take the benefit of immediate depreciation in lieu of tax deferral for capital gains and depreciation, most real estate investors believe that the continued use of the 1031 exchange will be more beneficial to their bottom line. The BDCA modernization act will bring more efficiency, and hopefully, more profitability, to investments that are important to our clients.

Two of the issues that have not yet been addressed are both SEC action items, but we expect Congress to weigh in on both of them. The first issue is the SEC Standard of Care for Financial Advisors. Although the Department of Labor had instituted a policy that would have governed only retirement accounts, I support the IPA position that a uniform standard is needed for all investment accounts. This is especially important now that the DOL Rule appears to have been overturned by the 5 ^th Circuit. The issue is important for investors for two reasons: 1. Are Advisors/Brokers generally recommending merely “suitable” investments, or do they meet the higher “fiduciary standard” of being the best investment for that particular objective? 2. Are Consumers being charged a reasonable “fee” for advice and investment recommendations, as opposed to a “commission”, which might be recommended by some less ethical brokers, purely for their own enrichment?

Although the second issue is not always clear cut (sometimes a commission is better for the consumer than a fee…let me know if you would like to see my comments and analysis that were cited by the SEC in the promulgation of FINRA Rule 15-02), AOG Wealth Management supports the fiduciary (higher) standard for investment recommendations. The goal of the SEC and all reputable investment professionals is to get a clear definition within the professional community that can be clearly understood by investors and allow consumers to have a clearer better choice of what standard their advisor/broker operates under, and how they are compensated.

The second issue has to do with updating the definition of an “Accredited Investor”. Many of you utilize investments that require investors to have an investible net worth of at least $1 Million, or to meet certain income requirements. These investments are primarily higher risk/higher return options in the Private Equity and Real Estate asset classes. The SEC is seeking public comment now, and the IPA supports indexing the $1 Million minimum to CPI in the future. The IPA also supports creating other pathways for individuals who have advanced education in Finance, or Professional Designations such as JD, CPA or CFP to utilize these investments. Currently, many professionals are excluded from utilizing these investment options just because they have not yet achieved sufficient income or net worth, despite their professional training and clear ability to understand the potential risks and benefits of these investment options.

As an active member of the Policy Committee, I enjoy working with industry professionals to shape our industry influence and insight with both Congress, the Administration and Regulatory Leaders, to benefit investors generally and our clients in particular. IPA Members engaged in several hundred meetings with members of Congress and their staffs. My group met with Legislative Directors and Staff from the offices of Senators Warner and Kaine, as well as Congressmen Connolly and McEachin. A second group met with the other Virginia Congressmen. Pictured with Congressman McEachin are myself, Mat Dellofso and Rebecca Richardson, who are executives with WealthForge, which is a Richmond based firm that assists financial advisors with back office support, and Alice Connaughton, a shareholder with Greenberg Traurig, a major law firm that advises on several real estate and private equity investments that we utilize. Although time away from the office is precious, I think it is important to represent your interests, and to learn from all the other parties to the investment process.

Ladies Luncheon

Thu, 24 May 2018 01:10:00 GMT

AOG Wealth Management enjoyed hosting our 2 ^nd annual Ladies Luncheon event on Friday, April 27. This year’s event was held at The Conche restaurant and bar in Leesburg Virginia.

AOG team members Michelle Whitlock , Sheila Baerenz , Amanda Pfeifle , Erin Long, Erica Schaeffer , and Michelle Miller were more than happy to join our guests at this wonderful, new boutique restaurant for a fantastic lunch unlike anything we had experienced before. Chocolate is in nearly every dish they make, from sweet to savory. It is even in their drinks, and not just hot chocolate! Attendees learned all about chocolate, from cacao pod to confection; how to make the perfect ganache ; and how world-renowned pastry chef Santosh Tiptur and his expert team of chocolatiers make their gourmet chocolates.

It was truly a memorable and delicious afternoon! To learn more about The Conche , please visit their website [ www.the-conche.com ]. All the ladies couldn’t wait to share this gem of a restaurant with their friends and family.

Spring cleaning is off to a great start with AOG

Wed, 23 May 2018 01:10:00 GMT

Home offices and file cabinets are a little cleaner thanks to AOG ’s 2 ^nd Annual Shredding event.

In 2017 AOG hosted a one-day Shredding event for our clients and the community. The results were good, but a lovely, Spring Saturday morning can be hard to compete with. This year, to accommodate our clients’ busy schedules, frustrating DMV traffic, and other challenges, AOG extended our Shredding Collection event to an entire week.AOG clients, friends, families, and the community were invited to drop off boxes of materials for shredding over the course of one week, April 30 – May 4, during office hours. Five days of collecting resulted in nearly an entire unused office filled with documents awaiting shredding! At the end of the week our friends at EcoShred brought their state-of-the-art no-touch document shredding truck to turn the boxes and boxes of paper to confetti.We were thrilled to help so many people get a head start on their Spring cleaning and post-tax season home office organization.

Things to Consider When Planning Your Retirement

Fri, 18 May 2018 01:10:00 GMT

Choosing when to retire is one of the bigger life decisions you will make. As an experienced wealth and investment management advisor, AOG Wealth Management recommends researching the pros and cons of retiring at different ages before making your decision. You need to carefully consider your financial situation, your level of job satisfaction and your life goals.

Pros and Cons of Early Retirement

Early retirement can allow you to travel, take up new hobbies and live without the stress of work for a longer time than people who retire at age 65. There is also research suggesting that early retirement can lead to better mental and physical well-being.

However, early retirement is not for everybody. You need to have the financial resources to support your extended retirement. In addition, you’ll only get partial benefits from Social Security until you reach your 60s . You need a large nest egg to supplement these funds and pay for health care. Furthermore, you need to consider what you’ll do with all your spare time and whether leaving the work force will truly make you happy.

Pros and Cons of Regular Retirement

The 65-70 age range is considered the best time to retire for many people. By this age, many people have built a good financial reserve and are still young enough to enjoy their retirement. With suitable wealth management planning, you can have a roadmap in place that can help you to pursue the things you love during your retirement years. In addition, waiting until your mid-60s allows you to get your full Social Security payment and makes you eligible for Medicare.

Pros and Cons of Late Retirement

Late retirement is perfect for individuals who truly love what they do for a living. If you plan on retiring late, then you’ll be able to increase your savings much more and you’ll be able to get the highest-possible Social Security payout. By the time you reach age 70, the payout will be 132% of the full amount. With proper planning, you will have much more money to do the things you want to do in your retirement years. The downside, of course, is you’ll be older when you enter retirement and may not be as active as you were in your 60s .

AOG Wealth Management is a local wealth management advisor providing highly personalized and responsive client services, rigorous diligence for all investments and exceptional intellectual capital. We can assist you with all your financial goals and help you create your roadmap to retirement. We serve many areas, including Ashburn, VA and Washington, DC. Call us at (866) 993-0203 to receive a complimentary consultation and to learn more about wealth management and retirement planning.

Important Things You Need to Know About Cash Balance Plans

Thu, 17 May 2018 01:10:00 GMT

A cash balance plan is a type of pension plan in which the employer credits a proportion of the employee’s annual salary plus interest. There are many companies that offer this plan as part of their benefits package. Read on as AOG Wealth Management, a Great Falls, VA wealth management advisor, explains what you need to know about cash balance plans.

Understanding Cash Balance Plans

Under a cash balance plan, you’ll receive a benefit based on your total years of service and your salary over the past few years leading up to your retirement. Cash balance plans have liberal contribution limits, which increase as you age. With a 401(k), the maximum contribution per year is $57,500, but with a cash balance plan you can contribute over $200,000 per year pre-tax if you’re over the age of 60.

Another advantage of cash balance plans is portability. Unlike a traditional pension, you will get to take the money in the plan with you if you leave your job. This will allow you to roll the funds into a personal IRA. With proper financial planning , you’ll have the opportunity to build a healthy nest egg from the cash balance plan from your previous company, while taking advantage of the benefits from your new company.

Cash Balance Plan Payout Options

Cash balance plans typically come with two kinds of payouts. You can receive either a lump sum or guaranteed monthly payouts in the form of a life annuity. Anti-discrimination laws and IRS Rules that govern company-sponsored retirement plans usually make annuities from these plans better than an annuity that you can purchase on your own.

A cash balance plan alone is not enough to provide financial security during your retirement years. You will need additional income if you want to retire comfortably. As the leading financial advisor in our area, we can help you with your financial objectives. We provide personalized solutions to our clients and we complete rigorous, on-site due diligence on all prospective investments. We serve many areas including Reston, VA and Washington, DC. Call us at (866) 993-0203 to learn more about cash balance plans. You can also ask for a complimentary consultation.

Investment Strategies for Retirees With Extra Money

Thu, 17 May 2018 01:10:00 GMT

AOG Wealth Management has many years of experience helping clients safeguard and grow their wealth. As an investment management advisor, we understand that every client has unique and evolving financial goals, which is why we provide sophisticated and personalized investment solutions. Today, we share strategies to help retirees invest extra money.

If you need more detailed advice, AOG Wealth Management will be happy to assist you. Our wealth management advisor s can help you meet your financial objectives. During our consultations, we will conduct a thorough data-gathering session to provide you with a customized financial solution. We serve many areas, including Washington, DC and Ashburn, VA. Call us at (866) 993-0203 to learn more about saving for retirement. You can also schedule a no-obligation, complimentary consultation.

3 Simple Tips for Merging Finances in a Blended Family

Wed, 16 May 2018 01:10:00 GMT

A second marriage can create unique financial challenges, as combining two families often means combining two different financial streams. For example, couples from different income brackets may have different strategies and ways of handling their money. Even if they come from similar backgrounds, couples might also have different views on savings strategies, allowances, gifts, etc. Read on as AOG Wealth Management, Great Falls, VA investment management professionals, provide information to help you overcome these obstacles.

We assist high-net worth companies, endowment funds and individuals with our wealth and asset management services. We provide our clients with unique, tax-efficient strategies and investment solutions tailored to their specific financial objectives and circumstances. This allows us to better assist our clients with achieving their goals. We serve many areas, including Washington, DC and McLean, VA. Call us at (866) 993-0203 to learn more and to receive a complimentary consultation.

Simple and Effective Ways to Get the Most Out of Your 401(k)

Sun, 13 May 2018 01:10:00 GMT

As a registered investment advisor, AOG Wealth Management always acts in our clients’ best interests, offering personalized investment solutions to meet our clients’ financial objectives, goals and circumstances. Our investment management services can help high net-worth individuals, endowment funds and companies. Today, we offer tips to help you manage and maximize your 401(k) plan.

Our asset management services can help you safeguard and grow your wealth. We observe rigorous, on-site due diligence in all our prospective investments and provide our clients with customized financial solutions. AOG Wealth Management serves communities in and near McLean, VA and Washington, DC. Call us at (866) 993-0203 to learn more about our wealth management services. You can also fill out our contact form for a complimentary consultation.

Applying for a Mortgage If You Are Self-Employed

Wed, 09 May 2018 01:10:00 GMT

Being self-employed has its perks. You’re your own boss and you have the freedom to work the way you choose. However, it does present some unique challenges, like the process for applying for a mortgage, which tends to be more challenging for self-employed individuals. Read on as AOG Wealth Management, estate planning and asset management professionals, shares tips on applying for a mortgage while self-employed:

We can assist you with our tax planning and other financial services. AOG Wealth Management has over a decade of experience. Our exceptional intellectual capital allows us to create personalized and strategic investments for our clients. We serve many areas, including Washington, DC, and McLean, VA. Call us at (866) 993-0203 to learn more about getting a mortgage.

Tips on Saving Money for Your Child’s College Education

Fri, 04 May 2018 01:10:00 GMT

Many parents get caught up in meeting day-to-day expenses and overlook preparing for their child’s college education until the child’s teenage years. Fortunately, however, there is still enough time to make a big dent in your child’s future tuition fees. Read on as AOG Wealth Management, wealth management advisors, provides college saving tips for parents getting a late start:

If you need a financial advisor to help you meet your goals, then AOG Wealth Management is the one to call. We personalize our financial strategies according to the individual needs, circumstances and objectives of each client. We provide services in many Northern Virginia areas including Reston, VA as well as Washington DC. Call us at (866) 993-0203 to learn more about saving for your child’s college education.

4 Important Factors That Can Affect Financial Success

Thu, 26 Apr 2018 01:10:00 GMT

AOG Wealth Management specializes in helping our clients meet their financial objectives by providing customized investment solutions. We offer wealth management services in a boutique setting. Our services include estate planning , investment planning, tax preparation planning and more. Today, we discuss the four factors that influence financial success:

Our tax planning and other wealth management services can help you meet your objectives. AOG Wealth Management understands that every client has evolving financial needs. That’s why we work hard to plan and implement a strategy that will help our clients grow and safeguard their wealth. We serve many areas in Northern Virginia, including McLean, VA as well as Washington, DC. Call us at (866) 993-0203 to learn more about our services. You can also schedule a no-obligation, complimentary consultation.

March Madness at AOG!

Sat, 21 Apr 2018 01:10:00 GMT

On Friday, March 16 ^th the team at AOG Wealth Management hosted our 6 ^th Annual March Madness Open House for AOG clients and friends.

The three large TV screens at the AOG offices in Great Falls played the big games and guests sported their favorite college team attire. Always a fun event, guests dined on barbecue from local favorite Mookie’s BBQ, along with other delicious tailgating munchies.

Along with the Annual Open House, we invite clients, friends, and family members to join our NCAA March Madness bracket challenge. Hours of intense research went into some brackets. Other brackets were made formed based on favorite school mascots or colors. And some brackets were simply put together using auto-draft. All brackets were busted early and the sobbing by UVA fans was loud. We had six brackets choosing Villanova to win the championship, but there was one person who made more correct picks (43) than anyone. Congratulations to rookie Erin Long, winner of the 2018 AOG March Madness Bracket Challenge!

Erin, a member of the AOG Wealth Management Client Service team, described her strategy as multifaceted . She stated, “I chose winners based on rank and picked a few small upsets whenever I felt like it. I think the fact that I forgot to do my bracket until five minutes before the deadline forced me not to overthink my picks which obviously worked in my favor.” To our contestants who spent hours on their brackets, sacrificing work or school… take heart. There is always next year.

Bitcoin

Fri, 06 Apr 2018 01:10:00 GMT

The biggest buzzwords in the financial media toward the latter part of 2017 were certainly Bitcoin, cryptocurrencies and blockchain technology. As the Bitcoin frenzy picked up, the AOG wealth Management team received multiple inquiries from clients to ask about the implementation possibilities of such “investments” into their portfolios.

The start of 2018, however, saw a noticeable drop in the excitement for these new financial inventions as significant sell-offs ensued, leaving many investors with questions about the uses of digital currencies. As with all new financial products, the key is to fully comprehend the fundamentals and underlying economics before considering any kind of capital investment. In this article we’ll break down the basics of cryptocurrencies, how its created, and the future challenges facing this new industry.

As an upfront disclaimer to this article, it should be noted that AOG Wealth Management’s investment committee has not approved of the purchase of cryptocurrencies in client’s portfolios. Additionally, AOG Wealth Management through its broker-dealer, Kalos Capital, is not permitted to provide a recommendation to buy/sell/use bitcoins or other cryptocurrencies. The intent of the article is therefore to merely highlight some of the characteristics of these newer financial inventions from an educational standpoint.

Throughout the centuries, people have come up with innovative ways of transferring value between one another. Be it a barter system, exchanging of gold or other precious metals, using currencies backed by gold reserves or merely exchanging free-floating currencies based on the credit worthiness of the issuing government, humans have always found a way to transact. Today’s digital era and the globalization of markets creates a need for the free flow of goods, services and money at a much faster rate than ever before. It is this very notion that forms the backbone of how the digital currency age came about. Not only was there a need for a method of exchange that could transcend national borders, but the desire to have such a unit of accounting that was entirely decentralized and free from regulatory interference truly appealed to the early creators. In the absence of any central governing body, users of the digital currency are left only to supply and demand to influence the value. Along with a lack in oversight, a level of anonymity could also be established with a digital currency – allowing for the true unhindered flow of funds across the globe.

Aside from the ideological case for digital currencies, the underlying technology used to create them is rather impressive and has already paved the way for further application in other industries. To understand Bitcoin (and most other digital currencies), an explanation of blockchain and the “mining” process used to create Bitcoins is required. The most basic way to think about blockchain is to imagine an ever-growing ledger that contains the list of all transactions ever conducted using Bitcoin. When the latest transactions (grouped into blocks) are added to the list (or chain), the updated list must be verified and circulated globally for all other participants to see. Digital currencies are different from physical currencies in the way that a digital currency has the risk of duplicate transactions when a digital coin (or fraction thereof) might be fraudulently used in more than one transaction. The bitcoin “miners” therefore fulfill a vital role (think of an auditor of sort) to continuously verify that all bitcoin transactions on the blockchain are correctly accounted for to reflect the movement of bitcoins from one party to another. They verify the latest transaction in batches called blocks, where each block represents about 1MB of data. That 1MB might contain as little as one up to several thousand transactions. Interestingly, it’s also this block size and the differing opinions amongst miners about what the size ought to be that created many of the spin-off cryptocurrencies found in the market today.

Verifying the latest transactions made using Bitcoin is however just one half of the mining process. The second part is where the real technicalities begin. In addition to verifying all the transaction in the latest block on the blockchain, miners are only rewarded for the work done once they correctly identify a “Hash” number. What this number represents is a 64-digit hexadecimal number assigned to each block. To comprehend the number of possibilities that such a number can have is to think of a 64-digit number where each digit has 16 (hex; 6 %20 deca; 10) possible outcomes. For the math brains reading this, that means 16^ ⁶⁴ possible combinations that could represent the target hash number. Miners face the task of reaching this number first (before all other miners working on the same block) to be awarded a few bitcoins as a reward for the work done. Getting to this number basically involves millions of random guesses – something for which an incredible amount of computer power is required. A quick internet search for videos on this topic is sure to show rooms full of computer processors humming away as they verify transactions and seek to guess the target hash number. Running that many computers at such a fast rate requires great amounts of power. Crypto miners must optimize the cost of equipment, efficiency of processing (hashing rates) as well as energy cost and consumption to make a profit in this industry. A very interesting website that shows the calculations behind the mining process can be found at CryptoCompare.com.

Mining for Bitcoins will ultimately become more specialized as time goes by. The whole process is in some way modelled on real world commodities which are finite in nature. As such, the number of Bitcoins to be circulated will be capped at 21 million coins. Miners are currently rewarded 12.5 BTC for each block, but as the maximum number approaches, those rewards will be halved approximately every four years. Bitcoinclock.com provides a handy visual of when and how each new reduction will take place. The Bitcoin scarcity feature in part helped influence the recent extreme valuations.

Given this overview of the underlying workings of cryptocurrencies, one last piece to consider is where they eventually fit into everyday use. Many analysts have come up with advanced models to try and predict the value of these new inventions, but what it ultimately comes down to is how widely these currencies are accepted as a means of transaction. Blockchain.com provides a great amount of detail about the blockchain, one being the number of transactions made with Bitcoin each day. A fascinating observation from this data is that the number of transactions have dropped significantly as the sell-off started mid-Dec ’17. An established payment system is not expected to be this sensitive to changes in price. You don’t use your Visa card or cash significantly less when the Dollar weakens relative to other currencies. Current daily activity stands at ~180K transactions per day, a far cry from the vast number of transactions conducted using Dollars or other global currencies each day. This is yet another sign of the infancy of this new payment system and the long way it will have to go to gain widespread acceptance. In order for digital currencies to maintain their current valuations, the commercial uses will have to increase in line with the recent hype of trading such instruments. One of the most recent blows to Cryptocurrencies and its hope to gain wider commercial application came in the form of a rejection by major US banks and credit card issuers stating that they would not support crypto purchases. Subsequently, as less support is given to these cryptocurrencies, its price continues to fluctuate widely on a daily basis, making the stability required from a viable payment system even less likely.

Looking at the future of this industry, one word basically captures the potential upcoming success of cryptocurrencies: Regulation. Although the creation, issuance and valuation surrounding these currencies are completely independent of any government entity, national regulators still have multiple ways through which they can restrict the uses of such instruments. The ability of governments to prohibit the acceptance of cryptocurrencies as legal tenders have been one of the major reasons for the recent sharp sell-offs. India, South Korea, China and France are a few examples of countries where much stricter measures have been put in place regarding the trading and use of cryptocurrencies. In addition to restricting its use, many governments are still trying to establish how to tax these new inventions. As a “currency” Bitcoin and other cryptos largely escape taxation, but governments are contemplating reclassifying these new inventions to allow it to be taxed.

In the US, other forms of regulation have also been instrumental, particularly those laws governing how participants in the crypto markets are allowed to structure the exchanges where such instruments trade. The SEC has restricted multiple applications for Bitcoin ETFs over concerns of the speculative risks to which they might expose retail investors. The anonymous characteristic of the payment method has also been criticized for its role in facilitating transactions in illegal products and money laundering. Law enforcement therefore has been sharpened to a large extent to try and detect transactions on the blockchain that might be used for illegal activities. As time progresses, we are sure to see even more regulation surrounding these inventions appear globally.

All in all, many kinks of this new technology will still need to be ironed out before it can truly stand side by side with more traditional payment systems. We trust that this overview of Bitcoin, the underlying technology, and challenges facing the industry helps to highlight why so much uncertainty and risk is still contained within them. AOG’s investment committee is continuing to monitor and track the newest developments within the cryptocurrency world. Until such time that a clearer picture emerges about the true value and application of these new financial inventions, AOG will not be recommending or advising on any purchase, sale, or use of cryptocurrencies.

Kalos Capital, Inc. nor Kalos Management, Inc. nor any of its independent registered representatives does not support nor endorse the sale and/or solicitation of bitcoin. The article and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that your consult your accountant, tax or legal advisor with regard to your individual situation. The opinions in the preceding commentary are as of the date of publication and are subject to change. Information has been obtained from a third party sources we consider reliable, but we do not guarantee the facts cited are accurate or complete. This material is not intended to be relied upon as a forecast or investment advice regarding a particular investment or the markets in general, nor is it intended to predict or depict performance of any investment. We may execute transactions in securities that may not be consistent with the report’s conclusions. Investors should consult their financial advisor on the strategy best for them. Past performance is no guarantee of future results. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. All investments involve risk and a potential loss of principal. Kalos Capital nor Kalos Management offer tax and legal advice. Please consult with a tax advisor or attorney for advice regarding the impact on your portfolio.

Simple Steps to Lowering Financial Stress

Tue, 27 Mar 2018 01:10:00 GMT

Financial stress can affect your personal relationships, your happiness and even your health. Fortunately, deliberate action and a focused approach can decrease your stress and simultaneously improve your financial situation. AOG Wealth Management, for a boutique firm offering wealth management services in the local area, explains more below.

In addition to these tips, you can also ask for the help of a financial advisor to help you manage your assets and make sure that you reach your financial goals. Our wealth management advisors will help walk through each of your financial obstacles and create a plan that is custom to you. We provide customized approaches based on our clients’ unique and personal circumstances, goals and objectives. Consider AOG Wealth Management for wealth management services in Washington, DC. Call us at 1-877-600-3573 to learn more about our services. You can also ask for a complimentary consultation.

Practical Advice for Investing in Your 40’s

Wed, 21 Mar 2018 01:10:00 GMT

It’s never too late to make room for your financial priorities. By the time you’ve reached your 40s, you will be heading towards your peak earning years. However, if you’re just now starting to save for retirement, you’ll have less time to take advantage of compounded interest. Fortunately, with proper investment management , you may be able to make up for lost time, even if you started investing late. AOG Wealth Management explains more below.

Our asset management services can help you reach your financial goals. AOG Wealth Management uses an endowment-style model that focuses on a variety of asset classes. Our tax-efficient strategies are designed according to an individual client’s personal objectives and circumstances. Call us at 1-877-600-3573 to learn more about investing in your 40s. You can also ask for a complimentary consultation.

Important Economic Factors That Can Affect Mortgage Rates

Wed, 14 Mar 2018 01:10:00 GMT

The lowest possible mortgage rates are generally only available to mortgage borrowers with excellent credit histories and solid finances. This is because mortgage lenders have to manage their risk through their interest rates. But aside from the borrowers’ financial status, there are many other factors that affect the general level of mortgage interest rates. AOG Wealth Management explains more below.

Learning more about mortgage rates can help you make sounder financial decisions. In addition to researching, you can meet your financial and tax planning goals by working with the right financial advisors. AOG Wealth Management provides personalized asset management, estate planning, financial planning and wealth management services to our clients. We are an experienced financial advising firm serving Washington, DC, McLean and all of Northern Virginia. Call us at 1-877-600-3573 to learn more about our services. You can also ask for a complimentary consultation.

Financial Planning Milestones and Checklist

Fri, 09 Mar 2018 01:10:00 GMT

During various stages of our lives, there are key ages/milestones to keep in mind for financial-planning purposes. We have put together the time table below to track several of these life-events that we plan for and incorporate into each of our clients’ financial plans:

Age 18 – Legal age of an adult. Ownership of a Unified Gift/Transfer to Minor Account (UGMA/UTMAs) can be transferred to the individual previously listed as the minor on the account. They are now able to fully control the account and make all financial-related decisions regarding the funds.

Age 26 – Independent Medical Insurance. Individuals under the age of 26 are eligible to remain on their parents’ health insurance plan. Prior to reaching your 26 ^th birthday, you’ll need to have a new plan in place to ensure continued coverage.

Age 50 – Catch-up provision for 401ks and IRAs begin. Instead of the previous annual contribution limit of $18,000 per year for 401ks or $5,500 for IRAs, you can now increase the amount to $24,000 and $6,500 respectively. This is a great way to “catch up” on making additional contributions to your retirement accounts before reaching your target retirement age.

Age 59 1/2 – Access to IRA funds become available . Prior to age 59 1/2, if you were to pull funds out of an IRA for reasons other than a first-time home purchase, qualified medical expenses, or education expenses, you would likely have incurred a 10% early withdrawal penalty. You will still be required to pay taxes on withdrawals from traditional IRA funds, but no penalties will be incurred.

Age 62-70 – Availability of Social Security Benefits . Depending on your date of birth, you’ll be eligible to start drawing on your social security benefits between ages 62-70. There are a lot of factors to consider when choosing your social security start date, such as life expectancy and current employment status. Your AOG advisor can help map out a solution that best meets your goals and needs.

Age 65 – Medicare Insurance Becomes Available. Upon reaching age 65, most individuals are automatically enrolled in Medicare Part A if they have worked at least 10 years under employment where Medicare taxes were being paid. Medicare Part B and Part D are available for additional premiums as well.

Age 70 1/2 – Required Minimum Distributions (RMDs) begin. If you have a traditional IRA, you are required to begin drawing annually from these accounts after age 70 1/2. You’ll need to withdraw the funds from your account each year by December 31 ^st , but you have until April 1 ^st of the year after reaching age 70 1/2 to take your first withdrawal. RMDs don’t apply to ROTH IRAs, so no need to begin pulling money from those if you hadn’t already planned to! As clients of AOG, we track and monitor the RMDs for all of our clients that have reached age 70 1/2.

Prior to reaching many of these key ages, there are several financial-planning checklist items that we also find helpful to consider:

AOG in the Community: Winter Wine Tasting

Thu, 08 Mar 2018 01:10:00 GMT

Being a part of the Great Falls Community, through our sponsorship with Celebrate Great Falls, is a real joy to all of us at AOG. The Winter Wine Tasting was the most recent opportunity to see familiar faces and meet new friends. Rich Ashton, owner of Classic Wines just off Georgetown Pike in Great Falls, partnered with two fabulous chefs from Reston Town Center’s Barcelona and PassionFish to create a memorable bite to accompany each hand-picked wine. It was a blast pouring wine and chatting with guests while a jazz duo kept The Grange energized all evening.

You can join Rich at Classic Wines every Thursday for a fresh wine tasting and fun food trucks. You can also check out the full 2018 Celebrate Great Falls Events Calendar here .

We hope to see you soon! Cheers!

4 Things You Need to Know About Retirement Planning

Tue, 06 Mar 2018 01:10:00 GMT

What steps can you take to ensure a comfortable, stress-free retirement? While starting to save for retirement early in your career is the first step, there are other factors that will affect the success of your retirement plan. Read on as AOG Wealth Management, your professional investment management advisor, shares some advice.

OG Wealth Management specializes in managing wealth for high-net worth individuals, pension plans and companies by providing customized investment solutions based on our clients’ personal objectives and circumstances. Your personal wealth management advisor will strive to take care of your wealth with accuracy, accountability and integrity.

As a team of experienced professionals under one boutique firm, we can provide a financial plan that’s tailored to your needs. Services in Washington, DC, and Ashburn, VA. Call us at 1-877-600-3573 to learn more about our retirement planning. You can also ask for a complimentary consultation.

Managing Your Aging Parents’ Finances

Fri, 09 Feb 2018 01:10:00 GMT

As the primary caregiver to your elderly parents, you probably have some hand in managing their accounts. To responsibly manage their finances, you need to have an idea how much money they have, where it is and who ultimately has control over it.

As your local McLean asset management advisor, AOG Wealth Management discusses how to manage your elderly parents’ finances effectively in today’s post.

Communicate With Your Parents

Although the “money talk” is necessary, your parents may initially balk at having this conversation. Handing over control of their finances may make them feel like they’re losing independence. The best way to go about the money talk is to communicate with them as though you’re giving advice, not like you’re ordering them around.

Important life events and changes, such as moving into a retirement community, present a natural opportunity to have these discussions. Start by asking your parents for an update on their asset management plans, such as investments, mortgages and pensions.

The Third-Party Planner

One of the easiest ways to minimize the possibility of tension in this process is to hire a third-party financial planner. Your parents may not be keen to discuss their financial situation with you since you’re their child, but they may be open to having a discussion with a professional.

Hiring an investment management advisor can help you help your parents by offering them valuable insight and recommendations. While your parents may appreciate you trying to help them, they may be more cooperative if an expert third party is offering advice and managing their accounts.

Call us today at (866) 993-0203 to learn more about our services. We offer investment management services throughout Washington, DC, Northern, VA and the surrounding areas.

The article and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your accountant, tax, or legal advisor with regard to your individual situation. AOG Wealth Management, Inc. does not provide tax or legal advice. The opinions and views expressed here are for informational purposes only. Please consult with your tax and/or legal advisor for such guidance.

AOG Wealth Management, Inc. does not provide tax or legal advice. The opinions and views expressed here are for informational purposes only. Please consult with your tax and/or legal advisor for such guidance. The article and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your accountant, tax, or legal advisor with regard to your individual situation.

Can You Bounce Back From a Big Financial Setback?

Thu, 08 Feb 2018 01:10:00 GMT

Coping with the stress of a major financial setback is difficult. Whether you’re dealing with job loss, medical bills or storm damage to your home, your energy is focused on understanding what happened and what you’re going to do about it. The question is, how do you bounce back?

The good news is that with a bit of time, focus and determination it is certainly possible to recover from a financial setback. Read on as AOG Wealth Management, your professional financial advisor , shares some tips.

Make a List of Your Losses

Facing the ugly truth isn’t easy but making a detailed list of your losses during this time gives you a bigger picture of what your current financial situation really is. If you keep yourself in the dark and divorce yourself from the problem, you’ll only have a more difficult time planning the recovery.

The Mental Recovery

Recovering from a financial setback involves mental recovery before anything else; financial recovery is secondary since you won’t get anything done if you’re consumed by worry and confusion. A major financial setback, while stressful, doesn’t have to take a toll on your well-being.

As the first big step, it’s important that you separate your negative feelings from your current finances. Look at your current financial situation and assess it without emotions. Never overreact, and focus your energy on thinking of ways to reduce your expenses and taking practical financial planning steps to earn more income.

Set New Financial Goals

The money hitch may have cost you your dream of buying a particular house at a particular time or paying off a certain debt, but don’t beat yourself up. Rather, look to the future and consider creating a new goal that’s achievable with your current financial resources. A new goal and a new vision, plus the lessons you learned from your recent problem, may be what you need to succeed in your future endeavors. Think of it as starting from scratch.

AOG Wealth Management offers professional wealth management services. Call us today at (866) 993-0203 and find out how our team can help you recover from a financial setback. We offer professional financial planning services throughout Northern, VA including Reston, VA, and Washington, DC.

1031 Exchanges: The Important Details You Should Know

Wed, 07 Feb 2018 01:10:00 GMT

The Internal Revenue Code §1031, also known as the 1031 Exchange, is a powerful tool for real-estate investors, allowing them to hold the gains they’ve made from their real estate investments without paying taxes on them. In today’s post, AOG Wealth Management, your professional wealth management advisor , explains everything you need to know about 1031 exchanges.

Limits of Exchange

The first thing you should know is that a 1031 exchange can only be used for business investments; it can’t be used when selling your primary residence and moving into a new home. While there are some loopholes that allow you to use 1031 exchanges for vacation homes, this is becoming increasingly hard to do. Additionally, the properties you’re exchanging need to be “like-kind,” although this rule is quite liberal. For example, you can swap a strip mall for an apartment building.

Tax-Deferred Exchanges

The exchange itself is tax-deferred, not tax-free. This is an important detail to understand, especially for investors who are just getting started with wealth management . The tax in a 1031 exchange is deferred in a like-kind exchange, but ultimately not forgiven.

Despite this detail, there is a silver lining: there’s no limit on the number of 1031 exchanges you can do. As such, through careful estate planning, you can pass your investments to your heirs. Additionally, the cumulative deferred gains are passed on as well.

At AOG Wealth Management, we offer professional investment management services. Call us today at (866) 993-0203 to learn more about 1031 exchanges. We serve Ashburn, VA, Washington, DC, and the surrounding areas.

3 Tax Tips for Married Couples

Tue, 06 Feb 2018 01:10:00 GMT

Many things change when you get married. Your tax status will also change. In today’s post, AOG Wealth Management, your professional McLean financial planning company, shares three things to consider when filing taxes the first time as a married couple.

1. Your Two Filing Options

You and your partner have two options on how to file your taxes: either married filing jointly or married filing separately. Filing jointly often results in fewer taxes—but not always. The only setback is that filing jointly means you and your spouse are both responsible for everything, no matter who actually files your taxes or makes the decisions. If you or your partner aren’t comfortable with this, filing separately may be a better option.

2. The Estate Tax

If your spouse passes away before you, anything included in their estate will be left to you. These assets are eligible for a huge tax break called the estate tax marital deduction. In short, everything that’s part of your spouse’s estate passes to you without you having to pay federal taxes. Your trusted estate planning manager can help you understand these tax laws and ensure that you and your spouse are planning responsibly for the future.

3. Kids and Credit

Raising kids is tough, but certain tax benefits can help you. The child tax credit, for example, lets you reduce your federal income tax by $1000 for each qualifying child under 17. Note, though, that if you make a combined income of $110,000 or more, the credit will be phased out.

These are just a few tax planning tips for married couples. Call us today at (866) 993-0203 to learn more about how you can plan your finances together. We offer our services throughout Northern VA and Washington, DC.

MESSAGE FROM THE PRESIDENT: Thank You Dr. King!

Fri, 02 Feb 2018 01:10:00 GMT

Living overseas on a military base from ages 8-13, I had a different view on race/ethnicity than those held by many people who have lived in the US their whole lives. In the Philippine Islands, my four best friends were James (Caucasian-American), Ronnie (Filipino-American), Martin (Japanese-American) and Kevin (African-American). It may sound protected or naive, but it just never occurred to me to think about race as a basis for bigotry or racism. My parents had many friends across racial/ethnic lines, and to me, that was just “normal”. It was quite a shock when we moved to Virginia in 1974, and I encountered blacks and whites using racial slurs from time to time, as a common part of their speech. This was a time that was well captured in the movie “Remember the Titans”.

I still remember my mom’s attitude on race. When we were still living on Clark Air Force Base, she was taking my friend, Kevin (African-American) and me to baseball practice. I got a haircut along the way, and on the way out of the barber shop, the Filipino Barber (with nothing but good intentions) nodded at Kevin and me, and said to my mom “adopted?”, assuming that we were brothers. Without skipping a beat, my mom replied “no, natural child birth” as we breezed out the door, leaving a puzzled barber in our wake. I didn’t give it a thought at the time, but years later I began to understand her attitude. She really believed in being friends with everyone who crossed her path, and the thought of discrimination or racism was anathema to her.

My favorite quote from the Reverend Dr. Martin Luther King Jr. remains “I have a dream that my four little children will one day live in a nation where they will not be judged by the color of their skin but by the content of their character.” I am not naive enough to believe that we can just wish away racism. I know that much work remains to level all “playing fields”, whether in schools, workplaces, churches or just daily interaction.However, I am just hopeful enough to trust that in my lifetime, discussions about race/ethnicity will be mere conversations items, without judgement, rancor or evil purpose. As we celebrate Dr. King’s legacy, let us give thanks for one of the most talented orators to walk the earth, who always looked to initiate change through peaceful actions with the moral high ground.

Top Tips For Managing Your Mortgage This Year

Tue, 30 Jan 2018 01:10:00 GMT

Making your mortgage work harder for you isn’t impossible—in fact it isn’t even that difficult. All you need to do is practice a bit of discipline in adhering to certain lifestyle rules, and you’ll be well on your way. As your McLean financial planning advisor, AOG Wealth Management shares key tips to help you manage your mortgage and not let it manage you.

Live Within Your Means

Purchasing a new home is an exciting milestone. But be careful that you don’t get carried away with your dreams. When you’re house hunting, set a budget that will allow you to live well within your means. To do so, be sure to consider more than just the amount of the down payment. Expenses like utilities, maintenance, insurance and taxes all add up, so do your research and know what you’re getting into before making any big decisions.

Choose a Loan That Makes Sense

Whether you’re applying for a mortgage for a new home or refinancing your current one, make sure the loan you’re looking at makes financial sense to you. Tax planning and financial profiles are unique for everyone, so gauge your short-and long-term loan options and choose the one that makes the most sense for your financial circumstances.

Ensure Accuracy in Your Credit Report

Whether you’re borrowing or refinancing, your credit report will be checked. Your prospective lender will scrutinize your financial history, including income and debt obligations. You should check your credit report periodically and report any inaccurate information to the credit bureau.

AOG Wealth Management also offers estate planning services. When you work with us, you can count on our professional advisors to help you manage your mortgage this year. Call us at (866) 993-0203.

The Top 3 Reasons People Cash Out Their IRAs

Sun, 28 Jan 2018 01:10:00 GMT

An individual retirement account (IRA) is a special savings account that offers tax benefits to help you save for retirement. The catch is that in most cases, you can’t touch the funds in your IRA until the age of 59.5, or you’ll be subjected to tax penalties. Nevertheless, some people are still tempted to cash out their IRA prematurely. In today’s post, AOG Wealth Management, your local investment management company, shares the three leading reasons why people do this.

Reason #1: Paying Debt Off

This is probably the most common reason people withdraw funds from their IRA prematurely. People facing a large debt may be tempted to cash out their IRA to clear the debt. While this might seem like a good short-term solution, you’ll be penalized in the long run. In fact, withdrawing early might cause you to lose 33% or more from your IRA.

Reason #2: Quick Cash

Need some quick cash? Some people don’t have time to wait for approval on a loan, so they turn to their IRA. As your local wealth management advisor , we don’t recommend this as the penalties are severe and will put you at a disadvantage in terms of meeting your retirement savings needs.

Reason #3: Buying Your First Property

Whether you’re purchasing a new home or launching a business, you may be considering withdrawing from your IRA to finance your investment. While we generally don’t recommend this, the IRS does waive 10% of the early withdrawal penalty if it’s your first time buying a home. There are some restrictions though; you can only withdraw up to $10,000 without paying the standard 10% penalty. Additionally, the house you’re purchasing must be your principal residence and you have to buy the house within 120 days of making the withdrawal.

For wealth management services and advice, turn to AOG Wealth Management. Call us at (866) 993-0203. We offer our services throughout Northern VA, including Ashburn, VA, as well as Washington, DC.

Stocks or Mutual Funds: Which Should You Invest In?

Sat, 27 Jan 2018 01:10:00 GMT

Should you invest in stocks or mutual funds? This is a common question for those just starting with investing. There are advantages and risks with both options, so it’s important to research each choice carefully before making a decision. In today’s post, AOG Wealth Management, your professional wealth management advisor , discusses the benefits and risks associated with each of these investment options.

Stocks vs. Mutual Funds

When you buy a stock, you are essentially buying part of a company. If the company does well, so do you. However, if the company goes through a rough patch, your investment could drop in value.

Mutual funds give you a way to invest in stocks, bonds, or cash alternatives. A mutual fund is essentially a basket of stocks and bonds pooled together with the money of other investors. Mutual funds bring more diversification than investing in a single or a few stocks, meaning they can be less risky based on having a more diversified basket of stocks that comprise the fund. For this reason, mutual funds are often preferred by people who are relatively new to investing and want less risk.

Risk-Reward and Research

Stocks can be riskier than mutual funds, and a skilled investment management advisor can help you put together a balanced, well-diversified portfolio of stocks with a risk/reward ratio that is suitable for your investment goals. The biggest advantage of a mutual fund is that it provides immediate diversification. If one stock in your mutual fund falls in value, the overall fund will not necessarily suffer since there are many other stocks in the fund.

The best way to decide whether stocks or mutual funds are right for you is to consult with an experienced wealth management advisor. AOG Wealth offers professional wealth management services. We’ll help put together an investment strategy that is suitable to you and your investment goals. Give us a call at (866) 9933-0203 for more information on our services. We are professional wealth management advisors serving clients throughout Northern, VA and Washington, DC.

2018 Resolution – Organize Your Information!

Wed, 10 Jan 2018 01:10:00 GMT

As we begin 2018 many of us make New Year resolutions. We might be resolving to change our diet, travel more, or finally read those books on our nightstand. One very important area of everyone’s life we should consider organizing is our home office, and specifically where and how we store our important family documents and financial information.

Here are three ideas for organizing your important information:

1. “In Case of Emergency” Folder. If you handle the finances for your family, creating a backup folder of essential information is a reassuring resource for your loved ones in case anything happens to you. This folder can be an actual folder in a desk drawer or home safe, or a folder on the desktop of your computer.

Examples of information to include in this folder:

2. Create an Inventory of the Contents of your home. 2017 was a year filled with too many reminders of how in a natural disaster or fire, we might only have minutes to get our loved ones out of the home.There might not even be time to grab family mementos or items of value. Take some time with your family to make a list, room by room, of the contents of your home. Take photos.If this project sounds too daunting, there are some Apps out there that can help you take a Home Inventory. For more information, check out these articles:

3. Create a 3-ring binder of all vital information and store in a heavy-duty water-resistant bag for easy grabbing in an emergency.

Items to include:

May these tips bring you organization and peace of mind in the new year!

MESSAGE FROM THE PRESIDENT: Happy 2018!

Tue, 09 Jan 2018 01:10:00 GMT

Sheila and I have had a very enjoyable holiday season this year. It has been a nice blend of relaxation, time with family and friends, and even an opportunity to see a couple of movies and read some books. Our son Joe has been home from New York, where he recently accepted a position with the Gemini Trust Company as Compliance Counsel. The firm is one of the largest clearing firms in the US for crypto currency exchange and custody. While chatting with him over the last week, I have learned more about the intricate nuances of Bitcoin and Ethereum technology and best practices.While we have not yet included crypto currencies in client portfolios, and are very concerned about the bubble nature of the rapid rise in the value of Bitcoin, we are studying it closely.

As is my custom, I prepared to write this first article of 2018, by reviewing the 2017 version. Since our client group, staff, partners and family span the US political spectrum, I don’t want to imply particular support of one party over another. However, since both the market and the economy are so strongly tied to national government policy at the moment, it is impossible to ignore politics when evaluating both. As I projected, the stock market rose on expectations of regulatory reform from the Trump Administration, as well as the prospect of lower corporate taxes, and the possible return of Trillions of dollars held by US based corporations in overseas accounts. The Trump Administration and Republicans have literally “bet The House (of Representatives)” that those actions will drive economic growth, and they will be rewarded in the midterm elections, rather than suffering the typical mid-term losses of most first term administrations. With GDP growth projected by many sources to be above 3% next year, (for the first time in more than a decade), that augers well for both the economy and the market.If Democrats and Republicans can reach bipartisan agreement on a major infrastructure bill, growth could be even higher.

Having said that, we still must recognize that March of 2018 will mark the tenth year of this bull market run. Historically, that would indicate that we are closer to the inevitable correction of 20% or more. While we have our models well positioned to participate in a continuing bull market run, we also have significant hedges for both the inflation and rising interest rates that typically accompany hotter growth in the economy, as well as hedges that will provide significant protection in the event of a major market correction in the 20% to 50% range. Last year, I projected solid growth in the market, but have been surprised at how robustly both the economy and the market have performed. Of the dozen economists I typically read, Brian Wesbury was the most optimistic when on January 1, 2017 his capital adjusted model predicted a Dow close of 23,500 on December 31, 2017, and Dow 30,000 by the end of 2019, assuming the Trump initiatives were successful.

I correctly predicted multiple rate hikes by the Federal Reserve for 2017, and I think that will continue in 2018. If the economy continues to grow at 3% or better, and unemployment stays below 5%, we can expect the Fed to accelerate reducing the debt they hold on their balance sheet, and continued hikes in short term interest rates. That will hurt the performance of fixed rate debt (most bonds), and our diversification into variable rate debt will be very helpful to all three AOG models.

As predicted last year, US energy production costs did plummet, and prices have begun to recover. In 2016, we did find investment opportunities to purchase distressed assets, in addition to our regular energy investments. With the most recent tenuous agreement by OPEC to limit production, oil prices have climbed back above $60 per barrel and natural gas prices the mid $3s per MCF.We expect continued incremental increases in energy prices, especially if worldwide growth moves above 3%.

At AOG, we have continued to refine our procedures to enhance our client experience. We have continued to review our real estate offerings, and moved to a combination of large institutional funds and smaller funds that can be nimbler as we progress into later “innings” of this real estate cycle. We now have enhanced both the number and quality of offerings for both private debt and private equity, and added a strong new offering in the Managed Futures/Hedge Fund asset class.

AOG Animal Audit 2017

Fri, 29 Dec 2017 01:10:00 GMT

December is annual review time at AOG Wealth Management. Once again, we brought in our team of trusted canines to analyze the portfolio, our workflows processes, the security methods in place, and the physical office itself. This year, we again have photos of the audit team in action.

Oreo Ortlip is shown here reviewing the customized client meeting experience at the conference table. She has given us some great ideas for ensuring client comfort.

Stella Long, a new member of the team, is discussing the commercial real estate components of the portfolio. Stella is regularly interviewed for her research on national news shows.

Cami and Polly Peyper are conducting research on Cash Equivalents and making sure the computer security systems are up to speed. They are. As is the filing system. (Only Cami is shown as Polly requested not to be photographed.)

Gus Whitlock is inspecting the client service workflows and offering some advice on streamlining processes while increasing client satisfaction.

Bodi Schaeffer is the Commodities Specialist and is conducting rigorous, on-site due diligence. He also assists in making sure we adhere to industry best practices.

Jethro Baerenz, shown consolidating the audit review results, is tasked with making sure that AOG Wealth Management can continue to provide the services our clients have come to expect and deserve. Don’t fret – we passed the audit!

Thank you to our audit team for your expertise and your advice!

This blog article is dedicated to Simba Gosselin [2003-2017].

He was a solid member of the audit team and will be missed.

AOG & Friends in the Community: Toys for Tots Collection 2017

Sat, 09 Dec 2017 01:10:00 GMT

For the 7th year in a row AOG Wealth Management collected toys for the Toys for Tots Foundation at our Annual Holiday Client Education Event. Thanks to everyone’s generosity dozens of fantastic toys were donated, with a special emphasis placed on collecting gifts for older children and teenagers. After our holiday event, AOG staff members Madison and Michelle delivered the toys to the neighborhood collection site at the offices of Long & Foster in Great Falls.

Saving for Your Child’s Education

Wed, 22 Nov 2017 01:10:00 GMT

Is a private grade school a possibility for your child? What about a private college? When it comes to your child’s academic future, it’s important to start asking these types of questions early. In today’s post, AOG Wealth Management shares three financial planning mistakes to avoid when saving for your child’s education expenses.

1. Not Saving Early Enough

The earlier you start saving for your child’s education, the better, as any wealth management advisor will tell you. The cost of college tuition continues to rise each year, so it’s important to begin preparing for the expense when your child is very young. If you begin early, you can put away smaller amounts vs. if you start saving later in your child’s life.

2. Being Too Conservative

Parents are understandably anxious about the money they’re saving for their children’s education, but playing it too safe can backfire. Rather than putting your investment in an extremely low-risk account like a savings or money market account, consider a college savings plan with an age-based option. Choosing a more aggressive growth investment can help you reach your investment goals when you have shorter time periods to achieve those goals.

3. Not Seeking Professional Help

Saving for your child’s education can take a toll on your funds and even put a strain on your lifestyle. Determining how much to save and where to invest your money can be confusing and stressful for many parents who aren’t experienced investors. A wealth management advisor can help you make choices that are smart and practical for you and your family. As your professional financial advisor , we can help you get started put you on the right path to achieve your financial goals.

Give us a call at (866) 993-0203 for more information on our services. AOG Wealth Management offers professional financial planning services throughout Washington, DC.

Simple Ways to Make Estate Planning Easier

Tue, 21 Nov 2017 01:10:00 GMT

Estate planning is an important step to ensure that your loved ones will be taken care of after your death. Many people shy away from estate planning because it seems like an unpleasant topic, but with a savvy financial planner, the process can be quite straightforward and will actually reduce your stress. In today’s post, we share three simple steps you can take to simplify your estate planning.

Transfer Assets

In many cases, we recommend transferring your assets before your death. This option allows you to supervise the distribution of your assets to their rightful place or owner. Another advantage to transferring your assets is that you can mediate any potential disputes.

Create a Will

Your will is a legal declaration of your intentions, and most importantly, where or to whom your assets will go after your death. Creating a will and testament for the future requires some degree of financial planning on your end, which is why we recommend enlisting our aid to ensure an organized plan for your beneficiaries.

Consider a Financial Power of Attorney

Finally, we recommend appointing a power of attorney for your finances. This is basically a “fail safe” just in case your trustee becomes incapacitated or unable to handle their own affairs. Another advantage of a financial power of attorney is that they can mediate on your behalf if anything goes wrong.

AOG Wealth Management offers professional tax planning and estate planning services. Count on us to make your estate planning easier. Give us a call at (866) 993-0203 for more information on our services. We offer financial planning services throughout Washington, DC and the entire Northern Virginia area.

MESSAGE FROM THE PRESIDENT: 42nd Annual Marine Corps Marathon

Thu, 16 Nov 2017 01:10:00 GMT

On October 22, 2017, I completed the 42nd Marine Corps Marathon. This “bucket list” item was almost 40 years in the works.

In 1979, I was a 17-year-old freshman at the College of William and Mary, and several of my Cross-Country teammates decided to run the marathon. Since we often did a 10-mile run in an hour, and occasionally a 15-mile run in 90 minutes, the marathon was a natural extension of our running. Unfortunately, I had emergency surgery to remove two impacted wisdom teeth three days before the run, so I missed the opportunity to run with my teammates, who finished in 2:52, and qualified for the Boston Marathon.

In January, Sheila and I resolved that 2017 would be our “year of health”, and we would focus on better diet, exercise and work/life balance. Thanks to my colleagues at AOG, 2017 was the first year where I could take two full weeks of vacation, and some other side trips, and still have the company run at full capacity. Sheila and I have improved our diet and waistlines, and experienced more joy in life. I purchased several books by Jeff Galloway and downloaded his application on my phone. Galloway is the proponent of the run/walk methodology favored by occasional runners. He has popularized distance running beyond just elite athletes, from “couch to 5k” all the way up to first marathons. His application was especially helpful to me, because my work and travel schedule didn’t lend to preparing for the marathon with a running group. But I always had “Jeff” in my ear, with timely advice and encouragement.

Race day was unusual for late October, with elevated temperatures in the low 70s. I ran the first half of the marathon exactly as planned, in two hours and twenty minutes. Unfortunately, a near collision at the end of mile 13 caused me to tweak my right quadricep. Unable to take full strides, or run for more than 60 seconds at a time, I walked most of the second half, and finished in just over 6 hours. My freshman roommate from William and Mary drove up and he and Sheila met me at several points on the course with encouragement and (thankfully) bio-freeze ointment for my right thigh.

I began running in high school, mostly to play football and basketball at a higher level. However, along the way, I fell in love with running, and this experience has re-awakened that love. In my 30s and 40s, I allowed parenthood and work to crowd out that passion, but I hope this experience will become a lifestyle change, and running will be a part of my life. I look forward to the 2018 marathon, and some other recreational running events along the way. Thanks go to my accountability partner, Burton Kloster, who also ran his first marathon, Dr. Sarah Fletcher for her wonderful care, Dr. Fran O’Connor, who runs the recovery unit at the marathon (and was just inducted into the MCM Hall of Fame), for his superb advice, and most of all my wife Sheila who was a terrific encourager and facilitator all along the way.

Financial Planning Tips for Every Age Group

Mon, 13 Nov 2017 01:10:00 GMT

No matter how old you are, saving money is easier said than done. Every time you think you’re ready to save, something unexpected inevitably comes up and you end up having less to set aside than you originally hoped. In today’s post, AOG Wealth Management shares handy financial planning tips for every age group.

Build Your Credit Score

While improving your credit score may seem unrelated to saving money, it’s actually an important tool. Just make sure that you keep your debt low and pay your bills on time. For young professionals, even the simple act of paying your phone bill on time can improve your credit score. A lower credit score leads to benefits like a lower cost of borrowing which leaves more money in your pocket for setting aside for investing.

Be the Master of Your Credit Card

A credit card is an important financial tool, and you should be its master and not the other way around. Financial advisors agree you should use credit cards as needed but never carry a balance. Credit cards are also useful for emergency expenditures.

Get Insurance

Once you enter your higher earning years, you should be thinking about protecting yourself and your family with insurance. This is especially important if you’re the breadwinner. If you are suddenly no longer able to work, who will pay for your family’s mortgage, educational expenses, and the like?

Avoid Lifestyle Creep

Lifestyle creep happens when your cost of living rises as your income rises—so even though you’re making more money, you’re still not able to save. For many, this happens because there’s simply more money to spend. Our wealth management advisors note that this is a trap that many people tend to fall into, especially when incomes grow over time.

If you really want to save money for the future, make sure you keep your auxiliary expenses at a minimum. Remember: just because you have money to spare doesn’t mean that you should spend it.

Give us a call at (866) 993-0203 for more information on our services. We offer financial planning throughout Washington, DC and Northern Virginia.

AOG in the Community: Halloween Spooktacular 2017

Thu, 09 Nov 2017 01:10:00 GMT

The AOG Wealth Management team enjoyed another wonderful Halloween night on the Village Green in Great Falls, Virginia. When the choice was between Tricks or Treats, we went with Treats, handing out 1,224 full-size candy bars to the kids! We also handed out pumpkin flavored & shaped dog treats to the furry, costumed canines during the preceding Dog Parade.

Our costume theme this year was Beauty and the Beast , and huge thanks go to Fred, Sheila, Erin, Noah, Michelle, and Jethro for dressing the part. Congratulations to Jethro (the Footstool) who won, for a second year in a row, Best Group Costume in the Dog Parade with his Mom (Belle) & Dad (Beast). Jethro, what will you inspire us to dress up as next year?

Estate Planning Even When You Have No Children

Tue, 07 Nov 2017 01:10:00 GMT

Estate planning is important if you want your assets to be properly allocated after you pass away. For married couples with children, having a will is a necessity, but is this the case if you are single and for couples with no children as well? In today’s post, AOG Wealth Management explains why the answer is yes.

Avoiding Unintended Beneficiaries

Estate planning is important even if you’re a married couple with no children. In such cases, your assets would automatically go to your spouse so that when you pass on, they inherit everything. But if your spouse were to pass away after your death, your assets would likely go to your spouse’s side of the family, something neither of you may have necessarily intended. Planning your estate will help you ensure that you and your spouse’s assets will go exactly where you want them to.

Estate Planning and Singles

It’s the same scenario for single people, as their assets are automatically distributed according to default laws. Without proper estate planning, a single person’s assets may go to unintended recipients. This is the reason our financial planning advisors strongly suggest having a will even if you’re single or have no dependents.

Single Individuals and Estate Planning

For singles, it’s imperative to identify your beneficiaries. And for single people with investments, it is important to plan how your investments will be distributed upon your passing away. And for more elaborate assets, setting up a trust may be beneficial to both you as well as your beneficiaries. For couples with no children, this method is also applicable if you’ve chosen beneficiaries that are not part of your immediate family.

AOG Wealth Management offers professional estate and tax planning services. Give us a call at (866) 993-0203 for more information on our services. We offer estate planning throughout McLean, VA and Washington, DC.

What You Should Know Before Investing For Retirement

Mon, 06 Nov 2017 01:10:00 GMT

Investing for retirement requires a critical eye. As your professional asset management professionals, we discuss in today’s post what you should know before investing for your retirement.

Realistic Expectations About Investing

Investment markets may seem confusing and overwhelming at the start, but a little education goes a long way. When investing, you need to develop a balanced asset allocation strategy. As an example, this will determine how much your of your investment is allocated to stocks and how much to bonds.

You can develop a benchmark by looking at historical returns and associated risks. Although historical performance is not a guarantee of future returns, it can give you an idea of how markets and investments perform over time. This is can be helpful because with investment management there can be cycles of performance that can bring more meaning to the ups and downs of markets. While the risk and returns of the past may not apply 100% in today’s setting, they do serve as a reliable guide in developing your risk preference.

There Are No “Perfect” Investments

In line with keeping realistic expectations, remember that there will be trade-offs even in investments considered “safe.” Investments undergo a period of height and decline, which means the amount you grow in value over time fluctuates as well. You must learn to accept trade-offs, as doing so means you’ll have an easier time determining what’s the best investment for your retirement goals.

Get Professional Advice and Assistance

Finally, before you allocate your retirement money in an investment, it’s important that you seek professional advice and assistance. As experts in investment and asset management , we’ll help educate you about the risk and returns involved in your prospective investment and make sure they meet your retirement goals.

Give us a call at (866) 993-0203 for more information on our services. We offer investment management services throughout Washington, DC and the surrounding area.

Have You Thought About Your 2017 Charitable Giving?

Fri, 03 Nov 2017 01:10:00 GMT

We are thankful to work with such generous clients! Americans gave $389.05 billion in 2016. This reflects a 4.2% increase from 2015 and 31% of annual giving occurred in the month of December. ^{1,

2} I think many of us tend to wait till the end of the year to think about annual charitable giving. We may even end up giving to causes and charities that we want to support and succeed, but that are maybe more familiar nominally and not necessarily a personal cause or a charity we have been able to research fully.

A solution to consider that will assist you and your family in facilitating your charitable giving is to open a donor-advised fund. Recently, we hosted an event as part of our Professional Series highlighting United Charitable, a local 501(c)(3) nonprofit organization that provides a giving platform and resources to easily give as part of an overall giving plan. A donor-advised fund is an alternative to a private foundation, but with fewer costs, greater tax deductibility and anonymity. With a donor-advised fund, you can continue to give to charities you wish to support, create a scholarship fund, make grants to international charities and create an endowment after you pass for future giving even through your heirs.

A donor-advised fund can be funded with cash, highly appreciated securities, life insurance and real estate. The gift is made to the nonprofit organization (United Charitable) and the amount is deducted in the same year as with other charitable giving. The difference is that you can postpone giving the funds to specific charities until the next year or even years after while the funds are invested and growing. This allows you have time to consider your overall giving strategy and further research the causes you and your family wish to support.

During your next portfolio review with us, ask us more about donor-advised funds! We would be happy to put together a strategic giving plan for you and your family.

Sources:

1. Charity Navigator

2. Giving USA 2016

AOG on the Road: ADISA Conference

Tue, 31 Oct 2017 01:10:00 GMT

The annual ADISA (Alternative and Direct Investment Securities Association) conference took place in Las Vegas between October 23-25, 2017.

The conference has continued to grow in recent years and now attracts more than 2000 attendees. As the alternative investment space continues to evolve, we see more participants entering the market with innovative products aimed at providing investors with access to investments that were previously thought to be restricted to institutional investors. AOG clients will be well-aware of the benefits that alternative investments (a.k.a. portfolio diversifying investments, PDIs) have brought to their portfolios and the ADISA conference once again highlighted the advantage of holding such investments in a portfolio. The spectrum of products available to the retail investor continues to grow as asset classes like Private equity and Private debt become increasingly accessible through reputable sponsors and management firms. Business Development Corporations (BDCs), Non-traded REITs, credit and real estate interval funds, and 1031 Exchange programs are just some of the vehicles that were discussed during the various panel sessions throughout the conference.

This year’s conference also listed two keynote speakers worth mentioning. Former president George W. Bush captured the audience with an entertaining Q & A session, providing a post-presidency perspective on current affairs, life in retirement and a general lookback at his term in office. Roger Ibbotson, famous Professor from Yale, also delivered an insightful presentation about research that he conducted on the popularity premium and the importance of annuities in retirement. Autographed copies of his renowned “Stocks, Bonds, Bills and Inflation” chart were available and I had the opportunity to pose with him in a photo.

All in all, the 2017 ADISA fall conference offered a great opportunity to meet the leaders in the PDI industry and gather some useful insight about the recent advances in this space. As the industry continues to expand and progress, clients of AOG can be assured that their allocations to PDIs will be well informed.

Welcome Madison Pippin – AOG’s New Receptionist!

Fri, 27 Oct 2017 01:10:00 GMT

MESSAGE FROM THE PRESIDENT: Clash of the Titans

Thu, 26 Oct 2017 01:10:00 GMT

Can you imagine anything more fun than attending a conference with a bunch of tax attorneys? Okay, maybe only interesting to a few people. What if, during the conference, more detailed information is released by the White House concerning proposed tax reform? Let the good times roll! This is the stuff of beer commercials and Hallmark cards! Okay, seriously, I know that many of you might not find that as exciting as I did. However, when you watch panelists and presenters, (who are used to making well-scripted remarks) scrambling to adjust their thoughts and insights at the last minute, there is real entertainment value.

I won’t try to give a detailed review of what might be in the final product, or give my odds on the chances of major tax reform passing both houses of Congress and being signed into law. There are too many variables, and there will be lots of “horse trading” before anything is finalized. However, I would like to point out some of the major considerations. Unlike the Bush tax cuts of 2001 and 2003 which “sunset” after 10 years, the Trump administration hopes to make “permanent” changes in the code. The main consideration between “temporary changes” (if you consider 10 years “temporary”), and “permanent” changes, is that “permanent” changes have to be neutral (i.e. not increasing the deficit at the ten-year mark and beyond). That means that the tax reductions must be offset by either producing new tax revenue in another area, or paid for by tax increases elsewhere.

So what are some of the “big” ticket items? The United States has one of the highest corporate income tax rates in the world. Reducing that rate from 35% down to 15% or 20% will cost about $1 Trillion in annual tax revenue. Doubling the standard deduction for most middle-income Americans and lowering tax rates generally to three or four brackets will cost another $1 Trillion in annual tax revenue. Two of the most significant ways to raise tax revenue is to no longer allow for the deduction of state and local income taxes and real estate taxes. That is estimated to increase tax collections between $1.2 Trillion and $1.5 Trillion annually. Another big source of additional revenue would be restricting the deductibility of mortgage interest, or restricting it only to a primary residence, and perhaps phasing out the deduction on mortgages of more than $500k. That is estimated to add between $500B and $1 Trillion annually.

You can see how these very large numbers will produce support and elation in those that benefit and panic and dread in those who may “lose”. For example, there are approximately 2,000 realtors who plan to descend on Washington next week (at least five realtors from each congressional district) to argue against losing the deductibility of mortgage interest, because they are convinced that it will hurt home values and sales. States with relatively high state and local income and property taxes will lobby against losing the deductibility of those items, while states with lower taxes will argue in favor. I haven’t met anyone who is confidently predicting what programs will definitively win or lose. However, for tax geeks and others, it is going to be very interesting.

Congratulations to Fred and Jim

Wed, 25 Oct 2017 01:10:00 GMT

Congratulations are in order for Fred Baerenz and Jim Ortlip who were once again nominated by their peers for inclusion in Northern Virginia Magazine’s ranking of Top Financial Professionals for 2017, in the September Issue. Advisors are nominated for this recognition by other attorneys or financial planning professionals in the industry.

AOG Wealth Management CEO and President, Fred Baerenz was nominated for the second year in a row as a top Investment Advisor. Jim Ortlip was also honored for a second year in a row, having been nominated in the category of Financial Planner. Congratulations to both gentlemen.

A special congratulation’s also go out to the entire Client Service Team and Analytical staff at AOG Wealth Management who help support Fred and Jim in all the work they do to help our clients.

Client Services Corner: Equifax

Tue, 24 Oct 2017 01:10:00 GMT

Several weeks ago, Equifax announced that over 150 million records of customer data were stolen by hackers. We’ve had several clients ask for information on how to best protect themselves and their personal information. The information below has been compiled from the credit bureaus.

Even if you’ve never interacted with Equifax directly, it’s very possible that your personal information was still compromised during the breach. For example, if you have any of the following, it is likely that Equifax had your personal information that was a part of the data breach:

For reference, “your personal information” includes:

As a precautionary measure, individuals are able to “Freeze” their credit through all 3 main credit bureaus. What exactly does that mean? Freezing your credit means that no one (including yourself) can open a new credit account while the freeze is in place. If you want to open a new line of credit, such as an auto loan, credit card, etc., you would have to temporarily un-freeze your credit in order to do so. All of your existing credit lines (credit cards and such) will continue to function as usual without being impacted. During the credit freezing-process, each credit bureau will mail you a PIN unique to you (different PIN for each credit agency) that you must use to un-freeze your credit. Keep this PIN in a safe place, because you will need it to un-freeze your accounts.

There is a small fee associated with freezing your credit at each bureau, varying by state. You will need to complete these process at each of the three credit bureaus. The process to freeze your credit is automated by phone. We have included the numbers for each credit bureau below.

Transunion:
Phone #: 888-909-8872

Equifax:
Phone #: 800-685-1111

Experian:
Phone #: 888-397-3742

If you think that your information has been stolen or compromised in some way, contact any of the three credit bureaus right away to report identity fraud. They will then notify the other bureaus and provide you with information to report the fraud to the police. If a specific credit card or bank account has unusual activity, contact the credit agency or bank immediately and ask them to freeze the account.

Freezing your credit won’t affect your ability to access accounts with AOG. We will never accept instructions to modify your account or transfer funds from a party that has not previously been authorized to do so on your behalf. If we receive an email request from your personal email address that seems questionable, we will verify with you by phone. Finally, we require both physical signatures and verbal authorization to transfer funds to a third-party account from your AOG accounts.

There are other precautionary measures to take in order to protect your personal information:

If you have any questions regarding the safety of your personal information with AOG Wealth Management or the Equifax data breach in general, please don’t hesitate to contact us.

Getting Started With Wealth Management – Part 3: What Should You Look For in a Wealth Management Company?

Thu, 19 Oct 2017 01:10:00 GMT

Reaching your financial goals is easier when you turn to a reliable advisor from a premier wealth management firm for the appropriate solutions. Before hiring anyone, however, you need to make sure you’re choosing someone you can cultivate a great, working relationship with and that you trust to protect your investment. Here are some of the essentials you should look for in a wealth management company:

Understanding how wealth management works brings you one step closer to your goal of achieving financial stability. When you know what to expect and have selected a premier manager to handle your account, you’re well on your way to a bright and stable financial future.

Getting Started With Wealth Management – Part 2: What Does a Wealth Manager Do?

Thu, 12 Oct 2017 01:10:00 GMT

How do wealth management services differ from other types of financial services? Is wealth management right for you? We delve into these issues below.

Wealth Managers vs. Investment Advisors

Wealth managers look at your large-scale financial situation and provide financial solutions to help you achieve your goals. These can include investment advice, tax advice, estate planning, asset allocation, and more. Investment advisors, on the other hand, sell specific products to help you get ahead. Wealth managers are more concerned with your long-term financial goals and needs so they’ll suggest products for you to invest in that align with your comprehensive profile.

How Wealth Managers Help You

Wealth managers cultivate deep relationships with clients to gain an in-depth view of you and your financial situation and a better understanding of your goals and limitations. This allows them to foster trust because they prioritize your needs and wants over selling you a particular product.

In coming up with a wealth management plan for you, your wealth manager will take into consideration your financial situation, goals, and risk tolerance. Once they’ve developed a financial plan for you, your wealth manager will regularly meet with you to review progress, touch base about your goals, and potentially rebalance your portfolio. They’ll examine whether you need additional services to produce better results, sometimes incorporating non-investment solutions to achieve goals.

Because you’ll be working closely with a wealth manager for many years, you need to make sure you’re choosing the right one. This way, you can guarantee exceptional financial results and a mutually beneficial relationship.

Choosing a good wealth manager from a premier company doesn’t have to be taxing process. In Part 3 of this blog series, we’ll help you get started by discussing the essential qualities you should look for in a wealth management company .

4 Questions You Need To Ask Your Financial Advisor

Tue, 10 Oct 2017 01:10:00 GMT

It’s imperative to work with a professional to keep you apprised of the investment industry in terms of financial planning . Markets are always in turmoil, after all, and you need a guide to help you determine your risk preference.

This is why we, at AOG Wealth Management, list four questions you should always ask your financial advisor.

1. Are You a Fiduciary?

A fiduciary is any person or organization that will place the client’s interests ahead of their own. This is an important first question to make sure that your prospect has the necessary safeguards that will protect your assets and investments from fraud. Always make it a point to ask if they are compliant with all the necessary legal and regulatory statutes.

2. What Licenses and Certifications Do You Have?

You should only work with an experienced financial advisor . To that end, ask what licenses, certifications, and credentials they carry. At AOG Wealth Management, our team is composed of Certified Financial Planners® with years of experience managing client finances. We offer a personalized service that always puts your interest first.

3. Do You Specialize in Certain Clients?

This is an optional question, but it’s important to ask if you want to narrow down your choice. Some financial advisors specialize in newly married clients while others specialize in individuals seeking assistance with their retirement funds.

4. Can I Ask For a Sample of Your Financial Plan?

While there’s no set structure for a financial plan, it’s still a good idea to see an example from your prospective client. Your financial advisor should be able to adapt to your needs and knowledge, so if you’re not comfortable with a financial plan with complicated graphs, ask for a snapshot instead of how they’ll manage your finances.

AOG Wealth Management offers professional wealth management services. Give us a call at (866) 993-0203 for more information on our services. We offer comprehensive and professional financial planning services to clients in Washington, DC.

Getting Started With Wealth Management – Part 1: What Is Wealth Management?

Thu, 05 Oct 2017 01:10:00 GMT

Wealth management is a high-level service aiming to improve your financial situation in both the short and long term and protect you from potential challenges down the road. A wealth management advisor helps you with investments and financial advice, but also also offers assistance with taxes and accounting, retirement planning, and legal or estate planning. A wealth management plan will look different for every person, and will depend on your personal goals, circumstances, and priorities..

How Wealth Management Works

It’s important to understand that wealth management entails more than just investment advice; it can cover all aspects of your financial life. The advantage of working with a wealth manager means you have one person coordinating every component of your finances—from investments to educational planning for your children to estate planning and everything in between. This approach is more streamlined and also generally more affordable than having to navigate between different services and organizations for each category.. Wealth management services can include the following:

Good wealth management is centered on the client and is delivered through in-depth consultations in which your wealth manager aims to get to know and understand you, while helping you determine your own specific priorities and needs. This way, your wealth manager will be able to provide you the financial solutions appropriate to your unique situation.

Ensuring Productive Wealth Management

To make your wealth management experience more rewarding, it pays to be aware of the potential pitfalls. For instance, you shouldn’t go through it alone. Make sure to involve your family in the process and make them privy to your overall plans. This allows for thorough discussion, ensuring all members of the family are on the same page. You also need to be clear on what you want to achieve. Having clear financial goals can prevent mistakes, particularly in asset allocation, ensuring you enjoy consistent positive results. A clear objective can come in many forms, including a college fund for your child, a newer home, or your retirement.

Want to learn more about wealth managers ? Stay tuned for Part 2 of this blog series where we will be discussing in detail what wealth managers actually do to help you achieve your financial goals.

The Importance of Estate Planning

Tue, 26 Sep 2017 01:10:00 GMT

Estate planning isn’t just for the wealthy. Anyone who owns “stuff” should do it, and it’s actually a crucial step to help ensure the long-term comfort and financial security of your loved ones after you’re gone. Read on as AOG Wealth Management discusses this important component of your overall financial planning.

Estate Planning Protects Your Assets

One of the main benefits of estate planning is that it can prevent your assets from ending up with the wrong beneficiaries. Estate planning is essentially designating heirs of your assets whether that asset is physical or liquid. Without an estate plan in place, the court will be the one to decide where your assets go, and that could take years to do.

Estate Planning Can Lower the Tax Burden on Your Heirs

Estate planning should be part of your long-term financial planning as it can protect your heirs from big tax hits. Without it, your heirs might end up owing the government a hefty sum. At AOG Wealth Management, we’re skilled at helping our customers create an efficient estate plan that transfers your assets to them with the smallest tax burden possible.

Prevent Family Messes and Feuds

The last thing you want is for your family to end up fighting once you pass on. With a proper estate plan in place, however, your heirs will have a comprehensive guide that will help them understand why you made each decision.

AOG Wealth Management offers estate and tax planning assistance. You can count on us to develop a proper estate plan that secures your assets and transfers them properly to your heirs. Give us a call at (866) 993-0203 for more information on our services. We offer professional estate planning services throughout McLean, VA, and Washington, DC.

This material is educational in nature and should not be deemed as a solicitation of any specific product or service. All investments involve risk and a potential loss of principal. Kalos Capital nor Kalos Management offer tax and legal advice. Please consult with a tax advisor or attorney for advice regarding the impact on your portfolio.

How to Start Saving Money in Your 50s

Thu, 21 Sep 2017 01:10:00 GMT

It’s never too late to start saving and investing for your retirement, even if you’re already in your 50s. Don’t let your past indecisions continue to haunt you or dissuade you from taking the right financial planning steps before you reach retirement age. AOG Wealth Management discusses steps you can take to save for retirement as you grow older.

Set a Target Number

Start by establishing a realistic idea of how much money you’ll need to cover your expenses once you retire. While it might seem overwhelming and even near-impossible to do, setting a target number helps you save more efficiently. We recommend using your current salary as a benchmark so that you can better determine how much you should save. Conventional wisdom advises aiming to replace 70-90% of your pre-retirement annual income through Social Security, portfolio income, and your savings.

Get a Financial Advisor

Hiring a financial advisor can help you create a better and more accurate financial plan that’s specifically designed for you. As your trusted financial adviser, we can help you establish a realistic target savings number, and help you along the way to get there. You can count on us to help you make the right decisions to reach your retirement goals.

Lock In Your Gains

Taxes are a vital component of your portfolio management, which is why it’s important that you don’t get trapped by your gains. Doing so can lead to a riskier portfolio and make management in general more difficult. Lock in your gains by identifying positions with large gains, and scale them back to prevent unnecessary risks in your portfolio.

AOG Wealth Management offers professional wealth management services. Give us a call at (866) 993-0203 for more information on our services. We offer financial planning services throughout Washington, DC.

MESSAGE FROM THE PRESIDENT: September 2017

Wed, 20 Sep 2017 01:10:00 GMT

Recently, the Commerce Department revised their estimates for the growth of Gross Domestic Product to 3%. As of August 16, the Atlanta Fed’s “GDP Now” model, which tracks and estimates real GDP growth, estimates 3rd quarter growth will expand at a 3.8% annualized rate. Many analysts project that as much as 1% of the growth may be coming from businesses restocking from low inventories. But even with that consideration, there is no doubt that economic growth is expanding much faster than the Congressional Budget Office predictions, from the beginning of the year, of 1.9% growth. Yesterday (8/30/17) President Trump touted the latest figures declaring “we are really on our way.” Trump said that if the economy can sustain growth at a 3% rate, it would create 12 million new jobs and $10 Trillion in new economic activity over the next decade.

Excluding this inventory boost, Brian Wesbury, the Chief Economist of First Trust, reports that their models have real GDP growing at a 2.4% annual rate in Q3, while the Atlanta Fed model has it at 2.8%. According to Wesbury, better economic growth means better profit growth, and better profit growth will help push stocks higher. Their 2017 end-of-year forecast of 2,700 for the S&P 500 and 23,500 for the Dow Jones Industrial Average remains in place. Mark Zandi, the Chief Economist at Moody’s Analytics, is forecasting growth of 2.1%. Although this is less optimistic than Wesbury, both forecasts project significant growth when compared to the growth rate of 1.5% for 2016. According to Zandi, “for the first time since the Great Recession ended in mid-2009, the economy is not facing any significant headwinds.”

At AOG, we are still concerned that the “tail winds” of the “Trump Bump” will not be sustainable unless the administration is able to deliver on at least two of the four policy goals that have fueled the stock market since the election. The President and his administration are well on their way to reducing what they consider to be “unnecessary regulation”, both through legislative and executive actions. However, that still leaves health care reform (don’t be surprised if that comes back later in the year), tax reform, and a major infrastructure program. Will bipartisanship make an appearance in 2017 with enough votes to provide aid following the damage from Hurricane Harvey? Stay tuned…

The opinions in the preceding commentary are as of the date of publication and are subject to change. Information has been obtained from a third party sources we consider reliable, but we do not guarantee the facts cited are accurate or complete. This material is not intended to be relied upon as a forecast or investment advice regarding a particular investment or the markets in general, nor is it intended to predict or depict performance of any investment. We may execute transactions in securities that may not be consistent with the report’s conclusions. Investors should consult their financial advisor on the strategy best for them. Past performance is no guarantee of future results.

AOG in the Community: Little Free Library’s

Tue, 19 Sep 2017 01:10:00 GMT

The plaza where the AOG Wealth Management offices are located, Leigh Corners, recently joined the international movement to “build community, spark creativity, and inspire readers” with the installation of a Little Free Library near the picnic tables behind the AOG offices. Thanks to the hard work and dedication of Great Falls Scout Troop 673 and The Friends of the Great Falls Library (AOG employee Michelle Miller is their President) who built and donated the Little Free Library. Thanks also go to the Leigh Corners HOA, (AOG CEO and President Fred Baerenz is on their Board), who supported the proposal and requested the design of the Little Free Library match the Leigh Corners architecture.

We welcome everyone to come visit the Little Free Library the next time you come to the AOG Wealth Management offices and feel free to “Take a book – Return a Book.”

To learn more, go to: https://littlefreelibrary.org/

Compelling Reasons to Invest in Financial Planning

Tue, 19 Sep 2017 01:10:00 GMT

Understanding the Benefits of a 401(k) Plan

Sat, 16 Sep 2017 01:10:00 GMT

The 401(k) plan is one of the most popular and common retirement plans today, with over half a million different company plans already in place. In today’s post, AOG Wealth Management, experts in asset management , discusses the basics of a 401(k) plan, its benefits, and why it is integral to your retirement preparations.

The 401(k)

The 401(k) plan is a qualified employer-established plan in which eligible employees may make a salary deferral or reduction contributions on a pretax or post-tax basis. Your employer has the option to make matching or nonelective contributions on your behalf, and even add a profit-sharing feature. All of the earnings you accrue in the 401(k) plan accrue on a tax-deferred basis .

The Benefits

The main benefit of the 401(k) is tax savings, which are crucial in any larger asset management plan. Since you have the option to contribute a certain percentage to the plan on a pretax basis, the amount is essentially exempt from current federal income tax, which lowers your taxable income in the process.

Additionally, all of your earnings in this plan accrue on a tax deferred basis. As a result, any dividends and capital gains you earn inside the 401(k) plan will not be subject to taxes unless you start withdrawing from it.

Creditor Protection

Additionally, the 401(k) plan offers excellent creditor protection. It’s considered an ERISA-qualified retirement account, which means it’s set up under the Employee Retirement Income Security Act. Apart from judgement creditors, your plan offers you some protection from federal tax liens. Since the plan legally belongs to the employer, the IRS won’t be able to place a lien on your account as easily.

AOG Wealth Management offers professional investment management services. We’ll help you with your financial decisions when it comes to your retirement plans. Give us a call at (866) 993-0203 for more information on our services. We offer professional asset management services throughout McLean, VA and Washington, DC.

Annual AOG Fantasy Football Draft Day

Fri, 15 Sep 2017 01:10:00 GMT

The NFL Preseason games wrapped up the last week of August. Fantasy football fans across the country have been taking notes on the new recruits, player injury reports, summer training camp stats, and the winners and losers of the 2017 NFL preseason games.

The AOG Wealth Management team took a break recently, to enjoy bagels and coffee, while we all got down to the serious business of drafting our own Fantasy Football teams for 2017. For the first year ever, the AOG Draft Day was scheduled specifically around the Fairfax County and Loudoun County school schedules to guarantee certain staff members would have their “General Managers” available for player selections. (General Managers were either in the office, participated via Face Time, or available on a consulting basis.)

Good luck to all teams in the 2017 AOG Fantasy Football season as they work hard in their quest to win the 2017 season and follow 2016 Champion, Fred Baerenz, on the office trophy.

1st Annual AOG Community Service Day: Capital Area Food Bank

Sat, 02 Sep 2017 01:10:00 GMT

AOG staff members and clients came together early on a misty Saturday morning in August to volunteer with the Capital Area Food Bank at their monthly NOVA Community Marketplace in Reston, Virginia. This service gives the opportunity to those in need to get fresh produce in a Farmer’s Market setting. Cooking demonstrations are provided along …

Understanding the Exchange Traded Fund (ETF) structure and its intrinsic tax benefits

Sat, 12 Aug 2017 01:10:00 GMT

AOG clients’ portfolios have evolved over the last few years to include a sizable percentage of Exchange Traded Funds (ETFs). The ETF structure has proven to be very popular among investment professionals as ETFs continue to attract more investment inflows due to many of their benefits. The main benefits of ETFs over similar investment vehicles can be found in the ease of tradability (ETFs trade intra-day on exchanges); the very competitive lower fees associated with ETFs; the transparency of the ETF structure which specifies that all holdings be disclosed daily; the diversification that comes from the broader exposure within an ETF; and the tax benefits of an ETF when compared to mutual funds. The tax benefit, although often used as a promotional point, requires some deeper understanding to fully comprehend. The following overview of how an ETF is structured seeks to highlight where the tax benefit for the ETF investor originates and why this has become such a preferred substitute for traditional mutual funds.

The process of creating an ETF starts when an ETF Manager (known as a sponsor ) files a plan with the exchange regulator to create an ETF. Once this plan has been approved, only authorised participants (generally market makers [1] , specialists or large institutional investors) are permitted to create or redeem the ETF shares. Sponsors and authorised participants (AP) are frequently the same entity. To create the ETF shares, the authorised participant must deliver a collection of securities to the fund equal to the current holdings of the fund. After delivery has been made, the AP receives a large block of ETF shares (also known as creation units ), representing a block of 10,000 to 600,000 ETF shares, with 50,000 being the typical size. This transfer of securities is done on an in-kind [2] basis and therefore has no tax implications.

The construction of the creation units represents the primary market in which ETF shares are traded. The AP can subsequently sell the ETF shares to other investors in the secondary market in smaller quantities. Utilizing this creation process, the bid for ETF shares can always be met, as APs can create additional shares on demand. New ETF shares can be created and sold into the secondary market when enough of the underlying assets that the ETF fund consist of have been accumulated and exchanged for creation units.

The opposite strategy, known as the redemption process , can also be followed when demand for the ETF shares are low and an over-supply exists in the market. The AP can buy enough ETF shares in the secondary market to form a creation unit. The creation unit may then be exchanged with the fund for the underlying securities that are represented by the creation unit. This option is generally only available to institutional investors due to the considerable number of shares required to form a creation unit. When the AP redeems their shares, the creation unit is destroyed and the securities are turned over to the redeemer. Smaller retail investors are limited to only selling the ETF shares in the secondary market. The ETF creation and redemption process helps keep ETF supply and demand in continual balance and provides a hidden layer of liquidity. The illustration below gives a visual breakdown of the processes.

The tax benefits for the individual ETF investor can be seen from the differences between the redemption process of an ETF and a mutual fund. The structure of a mutual fund is such that all investors are affected by the tax burden when a redemption takes place. When an investor redeems his/her shares in a mutual fund, the fund will have to sell some of the securities in the portfolio, realizing a capital gain and creating a tax liability. Regulation requires mutual funds to pay out all the dividends and capital gains on an annual basis. Should the scenario arise where a mutual fund has lost some value during a year (an unrealized capital loss), all redemptions during the year that were realized creates a tax liability to the investor as this had to be paid out.

In contrast, the in-kind redemptions made by ETFs allows the fund to exchange the shares with a lower cost basis with the redeemer, leaving securities in the fund which were acquired at a higher cost. This practice leaves the ETF’s overall cost basis at a higher level, reducing the capital gains to a minimum when redemptions take place. The gain or loss as realized by the redeemer when selling the shares in the secondary market (calculated from the purchase price and not the fund’s cost basis), does not impact the ETF. This is a great benefit of ETFs over mutual funds in the manner that smaller portfolios are unaffected by the tax implications that could result from the actions of investors with greater holdings in the fund.

As ETFs continue to evolve and cover more niche markets and alternative asset classes, previously inaccessible to the retail investor, investors will find it to be a worthwhile inclusion into their portfolio given the inherent benefits.

Overview of the Creation and Redemption Process:

[1] Market makers represent those firms willing to transact in both the buying and selling of a security. Acting in both capacities allow them to essentially create a market for that security.

[2] Securities are traded for securities.

This is neither an offer nor a solicitation to purchase any products, which may be done only with a current prospectus. Investors should consider their investment objectives and risks, along with the product’s charges and expenses before investing.

Past performance is not a guarantee of future results. All investments involve risks, including loss of principal.

Please submit all tax forms to your tax preparer for their review and evaluation. Consult with your tax and/or legal advisor for tax guidance. The opinions and views expressed here are for informational purposes only. Please note that neither Kalos Capital nor any of its agents or representatives gives legal or tax advice.

AOG Team Updates

Tue, 08 Aug 2017 01:10:00 GMT

We are excited to announce two new additions to the AOG Wealth Management team! You may have already met one or both of our new colleagues – Wiehan Peyper and Erin Long. Both have worked with AOG in various capacities in the past, but have now formally joined our firm on a full-time, permanent basis.

Wiehan Peyper has worked with AOG on a contract basis for the last several months and has had several articles featured in our monthly newsletters (including this month!). Wiehan holds both a Bachelor and Master of Commerce degree in Risk Management from North West University in South Africa and has completed the CFA Level 1 exam. He has experience working as an analyst with ABSA Capital (a division of Barclays Capital) and as a lecturer at North West University. Wiehan will be joining our team as an analyst, bringing his valuable experience and knowledge of both domestic and global market performance. He will serve as a member of our investment committee and will work closely with our Advisory and Client Service teams to continually track and improve our due diligence and investment research.

Erin Long is a recent graduate of The George Washington University in D.C. She holds a Bachelor of Business Administration with a concentration in Finance. We had the pleasure of working with Erin last summer during our internship program and are thrilled that she will be returning on a permanent, full-time basis. She is joining AOG as a Client Service Associate, and will be a fantastic addition to our client service team. Many of our clients will interact with Erin directly as she supports our current Client Service and Advisory teams.

When you get a chance, please take a moment to welcome both Erin and Wiehan to our team! Their direct contact information is listed below.

AOG’s front desk receptionist, Sabra Bomberger, welcomed her new baby girl (Finn) into the world on May 22nd. Both Finn and Sabra have been doing very well over the last couple of months – we’ve enjoyed getting photo updates of Finn and her big brother and sister. Sabra has decided not to return to AOG at the end of her leave, but we are thankful for the time we had with Sabra and wish her and the Bomberger family the very best! We will be bringing on a new receptionist within the next two weeks, and will let everyone know when to expect a new voice answering the phones!

The rest of the AOG team is excited about the additions to our firm and are continually looking for ways to better serve our clients through financial planning, investment management, and the overall client experience.

First Trust Presentation Summary: Bob Stein’s Economic Outlook

Sat, 29 Jul 2017 01:10:00 GMT

Bob Stein, deputy chief economist for First Trust, presented a very insightful overview of the US political and economic landscape during the June 15th First Trust event. His impartial analysis of the current political scenario emphasized the key role of future policy decisions and the impact they will have on markets. Reforms to the affordable care act and corporate tax code rank among of the most influential policy changes that will impact markets in the coming months. During the economic analysis Bob focused on many of the current factors making investors fearful. Through an in-depth analysis of many of the macroeconomic indicators Bob highlighted that although some degree of risk exists, many positive signs are also observable. Government debt, household debt, labor market status, new housing growth and the auto sales market are some of the statistics used during the presentation.

Government debt was shown to be at record highs, yet when the interest charge as a percentage of GDP is measured the number compares to historical levels last seen during the 60’s and 70’s. Bob expressed the concern that the average maturity of US debt securities is too short and hopes that this will be extended going forward. The possible issuance of 50 or even 100-year debt securities was mentioned.

Household debt was also shown to be at historically high levels, but as a percentage of debt relative to the assets held by households the number compares to levels observed in the early 90’s. The negative effect of increased consumer debt can be seen from the rising auto-loan and student-loan delinquencies. The severity of higher consumer debt however presents less of a risk when analyzed from the standpoint of the percentage of total income used to service debt. The monthly payment obligation as a percent of after-tax income for households are the lowest in the last 30 years.

In the labor market, part-time hiring has shown some gradual decline, but full-time hiring has been on a steady increase. The concern over the worsening in the labor force participation rate was opposed by explaining that through general population growth the number of individuals not in the labor force should be directly proportional.

The growth in new housing presents a favorable outlook. Bob focused on the recovery that this sector has shown since the financial crisis and highlighted potential for future growth when compared to the historical norm. A similar analysis for the auto sales market showed a less favorable outlook indicated by the swifter recovery in the sector that led to light vehicle sales currently standing at levels well above historical norms.

Overall the presentation delivered the message that given the current scenario some cause for concern can be validated, but that the economic reality also warrants a moderate degree of optimism.

What You Need to Know About Inherited Retirement Accounts

Wed, 26 Jul 2017 01:10:00 GMT

AOG Wealth Management is the leading choice for estate planning services in our local area because of our experienced and skilled team of financial stewards. It’s incredibly important to begin estate planning early because it makes a big difference. Proper planning allows you to properly allocate your assets and minimize taxes and other fees. Today, we’ll discuss how to maximize the benefits of inherited retirement accounts:

Things You Need to Know About

Inherited retirement accounts can sometimes be tricky to deal with, so your beneficiaries need to be aware of a few things. You need to make sure that the custodian transferring the account balance and the custodian who will receive the money in an inherited IRA know what they need to do. You also need to make sure that you take all of the required minimum distributions from the inherited account on time. In addition, make sure that all RMDs were taken by the original account holder. Lastly, don’t comingle inherited IRA accounts with other IRA accounts.

Retirement Account Types

Here’s what you need to know about inherited retirement accounts. With traditional IRA accounts, if a spouse is the primary beneficiary of the account then they can inherit the funds and treat the account as their own. They are not required to take the RMDs if their late spouse was taking them. For non-spouse beneficiaries, they have the option of an inherited IRA. As a financial planning expert, we suggest studying the requirements regarding RMDs for non-spouse beneficiaries.

If you meet certain requirements, Roth IRA accounts have the benefit of tax-free withdrawals. In addition, a Roth IRA has no required minimum distributions at age 70 1/2. You can let this account grow tax-free for your beneficiaries. You can pass a 401(k) account to your spouse and they can treat it like their own IRA. Non-spouse beneficiaries, however, need to roll the balance of the plan to an inherited IRA if they are the primary beneficiary.

Our estate planning and tax planning services can help prevent undue financial burdens to your loved ones and can help properly distribute your assets. AOG Wealth Management has over a decade of experience and we specialize in assisting high-net worth individuals, companies, and endowment funds reach their financial goals. We serve many areas including McLean and Washington DC . Call us at (866) 993-0203 to learn more about inherited retirement accounts. You can also ask for a complimentary consultation.

3 Simple Tips to Help You Increase Your Net Worth

Wed, 19 Jul 2017 01:10:00 GMT

AOG Wealth Management is the leading choice for wealth management services in our local area because of our experience, knowledge, and proven expertise. We can help you reach your financial goals and protect and grow your wealth. Today, we’ll discuss a few tips that can help you improve your net worth:

As an experienced and certified financial advisor , AOG Wealth Management can design and implement an investment solution that perfectly fits your financial situation and objectives. By following these tips and working with us, you will be more likely to increase your net worth and achieve your financial goals. AOG Wealth Management is the leading name in our industry and we serve Reston, Washington DC, and the surrounding areas . Call us at (866) 993-0203 to learn more tips on increasing your net worth. You can also ask for a complimentary consultation.

4th of July Parade in Great Falls, Virginia

Wed, 19 Jul 2017 01:10:00 GMT

Kudos to Fred & Sheila Baerenz, and their helper Emerson, for taking on the challenge of judging the amazing floats in the 4th of July Parade in Great Falls, Virginia. They took their job very seriously and did not let any candy thrown to them sway judging decisions. The four adorable Village Green Gazebo trophies were awarded for Best Organization Float, Best Business Float, Best Mini Float, and Best Neighborhood Float. Congratulations to all the winners!

MESSAGE FROM THE PRESIDENT: July 2017

Tue, 11 Jul 2017 01:10:00 GMT

Jim Ortlip and I just returned from three days of due diligence in New York City. Having been a proponent of the Endowment Model for regular investors for almost twenty years, it has been interesting to watch how much the investment landscape has changed. Twenty years ago, many institutional managers such as Blackstone, Apollo, Kohlberg Kravis Roberts & Co. (now KKR), Cantor Fitzgerald and Carlyle depended on pension plans, endowment funds and sovereign wealth funds as clients. High Net Worth Families could access the funds as well, so long as they could meet the minimum investments for each fund that often require $5 Million or more. Now many of these managers that in the past catered only to vast wealth, are seeking the opportunity to invest for people of more modest means. Just last week Blackstone, which has lead the way in this transition, announced that over the next several years they expect that 50% of the assets they manage will come from retail investors. One would hope that the inclusion of these world class asset managers will both improve the performance in this space, and provide a more competitive fee arrangement to the further benefit of investors.

There are material differences between the terms under which endowments and individuals can invest in alternative investments. These differences include, but are not limited to commissions and fees, conflicts of interest, access to investment opportunities, size, investment time horizons, and the ability to tolerate illiquidity. There is no standard or exact definition of the endowment model. Portfolio design, specific investments and ultimately performance vary considerably among endowments and investors. Kalos does not claim that any investor will achieve the same result as any endowment, institution, or other investor. Kalos’ Investment Adviser Representatives have a conflict of interest when they recommend securities where they earn a commission as Registered Representatives of Kalos Capital. We address this conflict by disclosing the fees and commissions related to the investments recommended to our clients. Also, Kalos representatives do not earn both advisory fees and brokerage commissions on the same assets.

Important Things You Need to Know When Estate Planning

Wed, 28 Jun 2017 01:10:00 GMT

An estate plan ensures the orderly administration and disposition of property after you die. It’s important because you need to think about what will happen to your assets and who will receive your assets after you pass away. Fortunately, AOG Wealth Management is a leading estate planning expert in our local area. We can help make sure you understand the process and position your estate plan so that your assets are distributed as you wish when the time comes. Today, we’ll discuss some important things you need to know about estate planning:

In addition to estate planning, we provide financial planning, wealth management, asset management, and tax planning services . AOG Wealth Management manages our client’s wealth with integrity, accountability, and accuracy. Our team of professionals can help communities in McLean, Washington, DC, and the surrounding areas. Call us at (866) 993-0203 to learn more about estate planning. You can also schedule a complimentary consultation.

The information contained in this material is believed to be reliable, but accuracy and completeness cannot be guaranteed; it is not intended to be used as the sole basis for financial decisions. If you are unable to access any of the news articles and sources through the links provided in this text, please contact us to request a copy of the desired reference.

Reasons to Work With AOG Wealth Management

Wed, 21 Jun 2017 01:10:00 GMT

AOG Wealth Management is the leading choice for wealth management services for high-net worth individuals, endowment funds, and companies. We are a Registered Investment Advisor and we offer customized investment solutions to meet our clients’ goals and objectives. Here’s why we are a trusted name in our industry:

We Focus on the Needs of Our Clients

We always begin by building a good relationship with our clients. We focus on you because we want to develop a clear idea of your needs and goals. We will use this knowledge to draw up an individualized plan that matches your objectives with real investment solutions. AOG Wealth Management is comprehensive and we use both interview and data gathering sessions to create your customized financial plan.

Work to Protect and Grow Your Wealth

As a financial planning expert, we engage in an endowment-style model that forces a “buy lower” and “sell higher” discipline. We always observe rigorous, on-site due diligence on all prospective investments, and we utilize only the highest rated offerings. We also employ a durable investment model that includes stocks, commercial real estate, managed futures, energy/drilling, equipment leasing, bonds and bond alternatives, cash equivalents, and private equity/debt.

The Endowment Model seeks higher investment returns over long periods on a more consistent basis. We do this by allocating to nonpublic and public, relatively illiquid markets. We always provide continuous and ongoing management of your account. We’ll adjust your portfolio based on the economic environment and your specific financial goals.

AOG Wealth Management is the premier financial advisor in our area. We work with only the finest and most skilled professionals in our industry and we have many years of experience in helping our client focus on their financial goals. AOG Wealth Management serves Great Falls, surrounding communities such as Reston and Washington DC. Call us at (866) 993-0203 to learn more about our wealth management services. You can also fill out our contact form for a complimentary consultation.

AOG in the Community

Sun, 18 Jun 2017 01:10:00 GMT

Congratulations to Vienna Little League’s AOG Wealth Management T-Ball Team on a great 2017 Spring season!

MESSAGE FROM THE PRESIDENT: Congratulations 2017 Graduates!

Sun, 18 Jun 2017 01:10:00 GMT

On Sunday, May 21st, Sheila and I attended commencement exercises for the Law School at the University of Virginia. We are pictured with our son, Frederick Joseph Baerenz, who received his Juris Doctorate degree. We are so proud of him achieving this new milestone! Sheila and I enjoyed the long weekend in Charlottesville reminiscing about our own time at UVA.

We visited Monticello, and enjoyed laughter and meals at the C&O Restaurant, Boars Head Inn and Hamilton’s. We had the opportunity to visit with several of Joe’s professors, many classmates and their families. It was a wonderful weekend! Joe will sit for the New York State Bar Exam at the end of July, and is already “cramming” for the test. Whether he works for a law firm in New York, or returns to the SEC in Washington, passing the bar in New York will allow him to “waive in” to almost any other jurisdiction.

When Joe was four or five years old, he would sometimes go to work with me on Saturday mornings. I kept Power Ranger movies and dinosaurs in a special case just for him. Joe interned at the AOG office during the summer after his freshman and junior years of high school and one summer during college. He was especially proud after his freshman year of high school when he developed reciprocal formulas for our net worth and income reports. After his junior year, he did an excellent job re-organizing our investment company files. Joe and Austin Ortlip did an excellent job one summer converting our paper files to digital storage. Although Joe has never expressed an interest in working as a financial advisor, he has made some important contributions to our firm. During his first job after college, he learned excellent work skills and worked very effectively for a major investment company. Although Joe has not yet decided where he will go to work in September, I am confident that he will be able to make immediate contributions in securities law, whether at a law firm, investment firm or regulatory body. Congratulations to all the graduates of 2017!

Movie Night on the Green 2017

Fri, 16 Jun 2017 01:10:00 GMT

Movie Night on the Green 2017. Movie Night was sponsored by AOG Wealth Management in partnership with Celebrate Great Falls. [Photo courtesy of Christin Boggs Peyper]

4 Common Investing Errors

Wed, 14 Jun 2017 01:10:00 GMT

One of the more challenging decisions when investing is when to buy and when to sell stocks. Whether your investment timeframe is long or short, trying to time when you buy or sell is not productive. AOG Wealth Management, your experienced investment management expert, shares four common investing errors and how to avoid them.

AOG Wealth Management, the leading expert in asset management , can help you reach your financial goals. Give us a call at (866) 993-0203 for a complimentary consultation.

How to Determine Your Risk Tolerance?

Sat, 10 Jun 2017 01:10:00 GMT

Most investors are familiar with the risk-reward concept, but fail to fully understand what their personal risk level is when it comes to investing. AOG Wealth Management, your experienced wealth management advisor , shares some ways to help you determine the risk preference.

Risk Preference

Risk preference is a concept about what a person chooses to do when faced with a risky option vs a more definite or defined option. It can be difficult for investors to determine how much risk they can handle, especially with the variety of investments to choose from. When weighing your options, here are the two factors you should consider:

The Risk Pyramid

Once you have decided how much risk is acceptable by acknowledging both the amount of money to invest and time horizon, use the risk pyramid approach to help balance your assets. This pyramid is a tool that investors can use to spread out their portfolios based on each one’s risk profile. There are three distinct tiers to the pyramid: the base, middle, and the summit.

The foundation represents the strongest option, supporting everything above. The focus is low-risk investments with more consistent returns. As the largest area, it comprises the majority of your assets. The middle portion should consist of medium-risk investments with a stable return that allows capital appreciation. These investments, while riskier than those at the base, are still relatively safe. Lastly, the summit is reserved for higher-risk investments. The smallest area of your pyramid should be made up of the money you can afford to lose without serious repercussions.

These tactics along with proper wealth management strategies are some of the key factors that can help you achieve your financial goals. Call AOG Wealth Management at (866) 993-0203 to learn more about our services.

Infographics: Telltale Signs You Need to Invest in Financial Planning

Sat, 10 Jun 2017 01:10:00 GMT

Financial planning can help balance your life in more ways than one. Here are some compelling reasons to invest in this activity today.

Understanding Athletic Scholarships

Sat, 27 May 2017 01:10:00 GMT

Does your child play a sport or sports? Ever have the thought of that sport helping to pay for their college education? Most parents would welcome the opportunity of a sports scholarship. It is important, however, to understand the reality of these awards and balance the likelihood of an award with your child’s enjoyment of the sport. AOG Wealth Management, your expert in financial matters such as estate planning , shares helpful facts about athletic scholarships.

They Are Not Easy to Get

Only 2% of all high school athletes receive scholarships to a National Collegiate Athletic Association or NCAA school. Based on the competitiveness of these awards, teenage athletes should not prioritize sports over studies in the hopes of receiving athletic scholarships. NCAA statistics show that 56% of the athletes competing at Division I schools receive scholarships. This includes some of the nation’s largest brand-name programs. Meanwhile, 61% of athletes at Division II schools receive athletic assistance.

Not All Sports Scholarships are Full Rides

Only six sports in Division I offer full coverage on all expenses, which includes tuition, other fees, lodging, and the mandatory course-related books. These six sports are football and basketball for men, basketball, tennis, gymnastics, and volleyball for women. Athletes can either get a full-ride scholarship or none at all.

While chances of a scholarship may be slim, proper asset management through financial planning experts can help you send your child to college and reduce the worry around how to pay for it. Our expert team at AOG Wealth Management can help.

Other Colleges Offer Alternative Aid

Division III schools offer financial aid and merit scholarships to help parents with their college expenses. Division III encompasses 444 schools, including elite institutions like the University of Chicago and the Washington University in St. Louis. Ivy League Schools are included in Division I, but not all of them provide athletic scholarships.

AOG Wealth Management can provide professional asset management services to help you prepare for all financial matters, from preparing for your child’s college years to tax planning . Call us today at (866) 993-0203 for a complimentary consultation.

Achieving Financial Success Through Fundamental Priorities

Thu, 18 May 2017 01:10:00 GMT

Financial success is not easy to achieve. But by focusing on the fundamentals, reaching your financial goals is within your grasp. AOG Wealth Management, your expert financial advisor , shares four financial fundamentals that can help you achieve success.

Set Aside Expenses in a Liquid and Secure Account

The interest earned on bank savings may seem miniscule, but having a go-to fund for emergencies is essential to your financial well-being. In case of a layoff or a serious illness, a six-month financial reserve makes a considerable difference. Along with achieving financial milestones, it is also important to increase your emergency funds with about six-month’s worth of your annual salary.

Engaging in an Employer-Sponsored Retirement Plan

Contributing to an employer-sponsored retirement plan like a 401k is an important part of your retirement planning strategy. If an employer match is available with the retirement plan, you save even more money for retirement. An employer match is a great employee benefit. A common matching program is usually 50% on the first 6% that’s contributed. For instance, if you make $50,000 annually, and you contribute 6% of that to your plan, your employer, in turn, contributes an additional 3% or $1,500 to your plan. This can make a significant difference over time to your total investment growth. Consulting financial planning experts like AOG Wealth Management can guide you through this process.

Avoid Consumer Debt

While it can feel good in the short-term to purchase something expensive, living within your means is liberating over the long-term. The high interest of credit cards and certain types of loans can easily hold you back from achieving your financial goals. If you are burdened by high interest debts, make it your priority to pay them off. Avoiding high-interest credit cards and loans means you can more efficiently budget your finances to meet your needs.

Individuals who can live by these fundamental priorities can achieve financial peace. AOG Wealth Management offers our asset and wealth management services to help you achieve your financial goals. Call us at (866) 993-0203 to schedule a complimentary consultation today.

Estate Planning Mistakes and How to Avoid Them

Thu, 11 May 2017 01:10:00 GMT

Proper estate planning can save those you leave behind a lot of trouble. It can ensure that your wealth ends up going to the right parties. It’s important to work with an estate planning expert like AOG Wealth Management if you want to avoid taxes eating up your wealth after you have passed on. Today, we will discuss some common estate planning mistakes and explain how to avoid them:

No Life Insurance

Life insurance is crucial to single-income and lower income families because the death benefit from a life insurance policy may be the only way to provide for your loved ones. You need to calculate how much yearly income you will need to replace to determine how much life insurance you will need to carry. You also need to factor in how much debt you have and your future obligations. You will need to redo those calculations when your financial or personal situation changes.

No Will or Trust

A will or trust is essential if you want to alleviate the financial impact of your death on those you leave behind. It will allow you to control the distribution of your assets and state your final wishes. To begin the estate planning process, you will need to determine your assets and liabilities, determine the distribution of assets upon your death, check and update your current beneficiaries, and review the current federal estate tax exemption limits. As a financial planning expert, we can help you with estate-reduction and planning techniques if your estate is more than the tax exclusion.

Not Paying Attention to Details

You need to pay attention to the details when estate planning. For instance, you need to make sure that the beneficiaries on your retirement plans are up to date, and you need to set funeral arrangements. You also need to find a guardian for living dependents, make sure that you choose a reliable executor, and set up a durable power of attorney to direct assets and investments. That’s why it helps to start estate planning early and work with a financial expert like AOG Wealth Management. We will help you through the process.

AOG Wealth Management can help you make sure that your wealth gets distributed according to your wishes. We are an expert in tax planning , estate planning, investment management, and wealth management. We provide customized solutions that can help you reach your financial goals and fulfill your promises to your loved ones. We are the trusted name in our industry in Washington DC and the surrounding areas. Call us at (866) 993-0203 to learn more about estate planning. You can also ask for a complimentary consultation.

AOG Wealth Management does not provide tax or legal advice. Please consult with your tax and/or legal advisor for such guidance.

How to Minimize the Tax Impact Outside Retirement Accounts?

Wed, 10 May 2017 01:10:00 GMT

Selecting suitable investments is not just about risk. Taxes are also a factor when putting together an appropriate investment portfolio. It’s important to understand your tax implications across each type of investment. Your investment management expert, AOG Wealth Management, shares ways to minimize the tax impact when investing.

Manage Capital Gains

Capital gains are any gains taxed when stocks are sold at a profit. Investments that have been held for less than a year are taxed as ordinary income. Meanwhile, gains from investments that have been held longer than a year can be taxed at a more advantageous rate. It’s important to prolong gains on taxable portfolios so they obtain long-term capital gains. You can spread the tax impact by selling part of an investment during the current tax year and then sell the remainder the following tax year.

Harvest Capital Losses

It is possible to offset the gains from other investments by selling the investments that have lost money. Harvesting your capital losses, along with proper asset management , can put you in a better financial situation.

These are just a few strategies to consider to help minimize the tax impact on your investments. While tax impact awareness is a factor to consider when investing, if you have an investment that is no longer appropriate, it is best to replace it.

Our experts at AOG Wealth Management can help you define and reach your financial goals with our investment and asset management services. You can call us at (866) 993-0203 for a complimentary consultation.

AOG Wealth Management, Inc. does not provide tax or legal advice. The opinions and views expressed here are for informational purposes only. Please consult with your tax and/or legal advisor for such guidance. The information contained in this material is believed to be reliable, but accuracy and completeness cannot be guaranteed; it is not intended to be used as the sole basis for financial decisions. If you are unable to access any of the news articles and sources through the links provided in this text, please contact us to request a copy of the desired reference.

Tips on Building Sustainable Wealth Before Retirement

Thu, 04 May 2017 01:10:00 GMT

An age-old retirement planning challenge is how to not outlive your retirement savings. A contributor to this challenge is that lifespans are increasing because we are generally staying healthier and medical breakthroughs make what was once a serious procedure now common. Even with careful financial planning, setbacks can occur as retirement timeframes approach. For instance, a necessary but costly medical emergency can significantly impact your retirement savings. As a leading wealth management advisor , we offer tips to help you build sustainable wealth.

Save as Much as You Can

According to the Teachers Insurance and Annuity Association of America, it is ideal to save at least 20% of your monthly income. If you’re unable to hit this target, try to save as much as you can. If you have trouble saving, our experts at AOG Wealth Management can help you put a plan in place.

Invest Early

Time is a significant advantage to those saving for retirement. Investing early in your working career allows more time and opportunity for compounding. People who start investing in their 20s are at a greater advantage than someone who starts investing in their 30s. While investing in small amounts may not seem a significant contribution to your end goal…decades from now…it does add up and is the right way to start saving and investing to attain your retirement goals. Working with an investment management expert like us can help you get started and put you on the right track.

Diversify Your Investments

There are several different investment options available to you. All investments, however, come with some level of risk. Understanding your risk tolerance is an important step in investing and diversification is an important tool available to you. Stocks, bonds, and real estate for example, are different asset groups to consider and may be suitable to your investment goals. A financial advisor like AOG can help you form a diversified portfolio.

With proper strategic investing decisions and wealth management , achieving savings to last you through your retirement is possible. Our team at AOG Wealth Management can provide management services to help maximize your assets. We serve communities throughout Metro Washington, DC and Northern Virginia. Call us at (866) 993-0203 for a complimentary consultation.

4 Simple Habits to Protect Yourself From Economic Slowdown

Fri, 21 Apr 2017 01:10:00 GMT

Are you worried about the effects of an economic slowdown on your finances? There are some everyday habits that you can implement to help protect yourself. As a wealth management expert, AOG Wealth Management can also help you make the most of your resources and develop strategies to protect and grow your wealth. Here are four everyday habits you can implement right now to help recession-proof your life:

These simple habits will help ease the sting of an economic slowdown. It will also help if you hire a skilled financial advisor like AOG Wealth Management. We focus on creating personalized investment solutions that we base on our client’s specific circumstances and financial objectives. We are the experienced name in our industry in Washington DC, Reston, and surrounding areas. Call us at (866) 993-0203 to learn more tips on protecting yourself from economic slowdown. You can also ask for a complimentary consultation.

The Endowment Model: Having a Plan

Mon, 17 Apr 2017 01:10:00 GMT

Benjamin Franklin was famous for saying: “By failing to prepare, you are preparing to fail.”

Warren Buffett said: “Someone’s sitting in the shade today because someone planted a tree a long time ago.”

Having a plan is generally considered a good idea – we at AOG Wealth certainly agree and strive to help our clients establish and solidify long-term, goals-based financial plans. In fact, we start most meetings with our clients by focusing on their goals and any significant life-changes that may have recently occurred that might impact their financial plan. In doing so, we can make the necessary adjustments to ensure our client is still on track.

What are the benefits of planning?

Over the last nine years I’ve had the privilege of meeting with hundreds of families to discuss their goals and I’ve found several principals that are generally universal. A good plan helps in the following ways:

What does this mean for you?

If you have uncertainty about your financial future and achieving your financial goals, then we recommend you consider having us create, update, or refine your financial plan. We are here to serve so you can have greater peace of mind, confidence in your finances, and ultimately realize greater fulfillment. If you’d like to discuss financial planning further, please let us know and we’ll include it as a focus topic at your next appointment. Additionally, if you know others that you think might benefit from a financial plan, please feel free to connect us and we’ll be happy to meet with them to build a tailored plan just for them.

There is no standard or exact definition of the Endowment Model. Portfolio design, specific investments and ultimately performance vary considerably among endowments and investors. There are material differences between the terms under which endowments and individuals can invest in alternative investments. Kalos does not claim that any investor will achieve the same result as any endowment, institution, or other investor. Kalos’ Investment Advisor Representatives have a conflict of interest when they recommend securities where they can earn a commission as Registered Representatives of Kalos Capital but do not earn both advisory fees and brokerage commissions on the same assets.

Getting a Mortgage this 2017? Here are Some Tips

Fri, 14 Apr 2017 01:10:00 GMT

The mortgage industry has seen significant changes over the last quarter of 2016. Since mortgage rates have started to rise since November, homebuyers can expect an interest rate of more than 4% on the popular 30-year fixed rate mortgages. This means that while buying a home is still worthwhile, the process is affected by slowly rising interest rates. And for those who want to refinance, it can be a little more expensive than refinancing last year. Nonetheless, opportunities like cash-out refinancing or shortening the loan term could be beneficial depending on your situation.

Whether you’re planning to buy a home or refinance your current homenloan, you need to recognize your opportunities to make the most of your investment. An expert wealth management advisor from AOG Wealth Management can help you with that. Consider these tips:

AOG Wealth Management is the leading company for a wide range of financial management services, including investment management and home mortgage assistance. Our experts can help you obtain a mortgage. We serve many areas across Northern Virginia and Washington, DC, including Ashburn, Arlington, Great Falls and McLean.

Talk to our experts now by calling us at (866) 993-0203 or by completing our form . We look forward to helping you!

Tips to Lower Next Year’s Tax Bill Today

Fri, 14 Apr 2017 01:10:00 GMT

The tax-filing season may be over, but there’s still work to be done for those who want to reduce their tax bill next year. We understand that the last thing you might want to do right now is to think about your next tax return. Nonetheless, while you still have taxes on your mind, it’s smart to take advantage of this opportunity and start preparing for the future.

When it comes to putting your tax-planning strategies into play, there’s no better time than the present. AOG Wealth Management, an experienced, local asset management company, shares these tips to help you lower your tax liability for 2018:

It’s never too early to start planning for next year’s tax bill. While you’re at it, you can consult our asset management and tax preparation experts to simplify the whole process. AOG Wealth Management offers some of the most innovative financial management services, offering you opportunities to prepare for your retirement.

Our services areas include McLean, Washington D.C., and other communities across the region. You can call us at (866) 993-0203 or complete our form to schedule a complimentary consultation.

Simple Tips to Help Make Your Money Grow the Right Way

Thu, 13 Apr 2017 01:10:00 GMT

Making your money grow is not a magical concept. It’s about adopting the right mindset, following some tried-and-true strategies, and working with people who have your best interests in mind. You need to become a conscious spender, save money, invest, and learn. AOG Wealth Management, the wealth management and estate planning expert, gives some tips to help make your money grow:

AOG Wealth Management has a long history of helping clients protect their assets and grow their investments, even in during economic uncertainty. We are an expert in investment and tax planning and we make finding solutions to your financial concerns simple. We can help you reach your financial goals by creating a personalized investment plan and provide you with sound advice. We are the trusted name in our industry in Great Falls, McLean, Washington DC, Arlington, and the entire Northern Virginia area. Call us at (866) 993-0203 for more tips and a complimentary consultation.

MESSAGE FROM THE PRESIDENT: Traffic Jams and the Extra Mile

Wed, 12 Apr 2017 01:10:00 GMT

I hate traffic jams. When I lived in Charlottesville, there was a stop light at Cherry Street between my home and office. If the light was green, I could make it home in 10 minutes. If I caught the red light, it would take me 12 minutes. I can remember being so frustrated at the delay. Then I moved back to Northern Virginia, and longed for the day of only a two-minute delay in traffic for a twelve-minute commute. So even though I have adjusted my expectations of driving in the DC area, I still don’t like traffic, and will drive miles out of the way on lesser used roads to avoid it.

Several years ago, I heard Roger Staubach speak on the topic of professionalism and leadership, and he gave his own take on the adage that there are no traffic jams on the “extra mile”. Many people know of Roger Staubach as a Heisman Trophy winner at the Naval Academy, because of his military service, or his Hall of Fame accomplishments with the Dallas Cowboys. Not as many people are aware of how successful he was as a business leader through the Staubach Company, and now at Jones Lang LaSalle. When he mentioned this adage to open his discussion, he immediately caught my attention because of my dislike of traffic, but his main point was more emphatic. How many often are we frustrated with not receiving “regular” or “good” service? It is even bigger frustration when we call attention to a problem with a supervisor or manager, and still don’t get a satisfactory resolution. Much like the road system in Northern Virginia, our lives are “clogged” with mediocre or indifferent interaction.

So how refreshing is it to be served by someone who is going the “Extra Mile”? I really appreciate excellent service, whether it is in a restaurant, at my doctor’s office, or in the general public. It is so nice to find people who clearly love what they do, are good at it, and who take pride and pleasure in performing at a higher than expected or required level. I feel blessed in my current role, because I spend most of my time traveling on the “Extra Mile”. I am blessed by my colleagues both within AOG and throughout our broader industry who are not satisfied with “regular” or “just fine”. They expect more from themselves, and their participation in a collective effort to offer quality investments and professional services. Our clients generally are very kind, but also expect expert service and advice with near flawless delivery. Many of our clients have significant accomplishments in their professional life, and that has financially rewarded them by becoming self-made multi-millionaires. I love travelling on the “extra mile”, and it is especially enjoyable to serve clients who also spend their time there, and to work with colleagues who equally committed to that pathway.

Account Maintenance Corner: Tax Time!

Tue, 11 Apr 2017 01:10:00 GMT

We’re quickly approaching the individual tax filing deadline of April 18th! You should have received your annual tax packet from our office either by email or mail. As you continue to receive various tax forms and documents, we hope that the checklist provided in your packet serves as a helpful outline and tool for staying organized. If you have any questions regarding tax forms you have received, or are still waiting on a form that should have arrived by now, please contact Erica Schaeffer, AOG’s Client Service Specialist. As many of you know, we like to work closely with your tax advisors to ensure that the financial planning we provide throughout the year aligns with their detailed tax planning. We’re also happy to communicate directly with your tax advisor to provide them with any missing information or tax documents needed for the timely completion of your tax returns. If you haven’t already done so, ask about our CPA Consent to Release Information Form that provides us permission to speak directly with your tax advisor.

Finished with your hard-copy tax documents? Do you have a lot of documents starting to pile up that are no longer needed? Stop by our office on Saturday, April 29th between 10:00am – 1:00pm for our community shred day! We will have a shred truck from Eco Shred parked outside of our office to offer complimentary on-site shredding. Join us for some refreshments and kick-start your spring-cleaning by getting rid of some paper! We hope to see you there!

Invest Wisely: 4 Ways to Succeed in Retirement

Fri, 07 Apr 2017 01:10:00 GMT

Are you effectively planning for your retirement? What standard of living do you imagine having when you do? Many retirees see themselves with the resources to travel, play golf whenever they want to, or even spoil their grandchildren. For millions of men and women in the country, however, insufficient savings throughout their employment years make their retirement dreams difficult to achieve financially.

One of the best ways to ensure your financial security is to place your retirement funds in the appropriate investments. Your retirement money needs to last for your lifetime, after all, so it’s important to be smart about your investment decisions. AOG Wealth Management, the leading wealth management company in the region, shares these important tips when investing your funds:

Here at AOG Wealth Management, you can get a consultation with an expert wealth management advisor . Our specialists can walk you through the basics of retirement investments, as well as the deeper and more important financial principles that apply to your specific situation and financial goals.

Let us help you grow your retirement money. We serve many communities around the region, including Ashburn, VA, and Washington, D.C. To schedule a complimentary consultation, call us at (866) 993-0203 or complete our form today .

Creating a Tax-Efficient Portfolio: What You Need to Know

Fri, 17 Mar 2017 01:10:00 GMT

You need to work on tax efficiency if you want to maximize your returns. Tax efficiency is a measure of how much of an investment’s return remains after you pay your taxes. The more your investment depends on investment income, the less tax-efficient it becomes. AOG Wealth Management, the trusted wealth management expert, explains what you need to know to create a more tax-efficient portfolio:

How Your Accounts Are Structured

There are three ways that accounts are structured under the law. Accounts can be taxable, tax-exempt, or tax-deferred. For taxable accounts, you need to pay taxes on your investment income on the year you received it. Examples of taxable accounts include bank accounts and money market mutual funds. Tax-deferred accounts shelter investments from taxes as long as they stay in the account. Examples include 401(k), IRA or Roth IRA accounts. For tax exempt accounts, you do not need to pay taxes even when you withdraw from them.

Tax Brackets

First you need to determine your marginal income tax bracket and whether it is subject to the alternative minimum tax. Tax efficient investment planning becomes more important the higher your marginal bracket rate. Next, you need to be aware of the differences between taxes on capital gains and taxes on your current income. This information will guide you in choosing tax efficient investments. As financial planning experts, we suggest that investors put tax-inefficient investments in tax-deferred accounts and tax-efficient investments in taxable accounts.

Examples of Tax-Efficient Investments

Here are some examples of tax-efficient investments. Convertible bonds are relatively tax-efficient because you can hold them in tax-deferred accounts and because they incur fewer taxes than junk bonds or preferred stocks. You can also put investment-grade corporate bonds in tax-deferred accounts. Common stocks are among the most-tax-efficient investments because they are taxed at the long-term capital gains rate if you hold them for more than one year. You can also hold them in tax-deferred accounts.

Most investors can make their portfolios more tax-efficient. The right strategy can allow you to keep more of your investment earnings and stay out of a higher tax bracket. If you need a financial advisor that can help you meet your investment goals, then AOG Wealth Management can help.

We focus on creating customized investment solutions that are based on our client’s specific circumstances and objectives. We are the trusted name in our industry in Washington, DC, Reston, McLean and all of Northern Virginia. Call us at (866) 993-0203 to learn more about tax-efficient strategies and ask for a complimentary consultation.

MESSAGE FROM THE PRESIDENT: HAPPY 8TH BIRTHDAY, MR. BULL

Tue, 14 Mar 2017 01:10:00 GMT

The second longest running bull market run over the last century will turn eight years old on March 9, 2017. On March 9, 2009, the S&P opened at 676.53, and closed on February 27, 2017 at 2369.73. Over that same time, the DOW opened at 6547.05 and closed at 20,837.44, registering its twelfth consecutive record close. Both indexes have tripled in value over that timeframe, creating trillions of dollars in wealth for investors. With the enthusiasm this rally is generating (might we hear Alan Greenspan whispering from retirement about “frothiness”?), the obvious question weighs on investors and advisors: Is the more recent “Trump Bump” sustainable giving new legs to this rally that is getting “long in the tooth”, or will the challenges of governing overwhelm the Trump Administration leading to increased volatility and the cyclical 20% to 50% correction postulated by John Bogle and others?

The ongoing debate over the philosophies of John Maynard Keynes and Milton Friedman continues to rage in government and academic circles. The Obama administration came into office facing the worst economic meltdown since the Great Depression. Although the “tech wreck” of 2000 followed by recession and the 9/11 attacks was very painful for the Bush Administration, the financial meltdown of 2008 attacked the very heart of our economic system, paralyzing credit for home purchases, business inventory and hammering almost every personal and business balance sheet in the country. The Obama solution focused primarily on government spending (TARP, Solyndra & “shovel ready projects”) and intervention (General Motors bailout) as a solution. As a result, US businesses were challenged not only by the market shock, but also faced the triple storm of higher taxes, more government regulation and much higher healthcare costs. Economists continue to debate whether this slow growth with flat wages for the middle class is a “new normal,” or if the policies themselves weighted down GDP growth.

Donald Trump comes to office challenging long held assumptions of both Democrats and Republicans. Although detailed plans have yet to be revealed, it appears that his solution will be closer to that of John F. Kennedy and Ronald Reagan. Lower taxes, reduced regulation and more reliance on private industry as the engine of growth appears to be his hope in trying to provide the atmosphere where GDP growth can escape the tepid 2%+/- of the last ten years (Bush & Obama), and get back to the more traditional 3%+ of previous decades. This article is being written on the eve of President Trumps first State of the Union message. We should have a pretty good idea by the August recess about whether the Trump administration will pass health care reform and tax reform. If either fails, then we should expect more volatility and perhaps a major correction. If both succeed, at least in the near term, then a DOW at 23,000 could be achieved by the end of the year.

The Endowment Model: Managed Futures

Sun, 12 Mar 2017 01:10:00 GMT

Managed Futures are a solid part of all investment portfolios most especially those dedicated to implementing the endowment strategy. The key to a successful endowment model is to populate the portfolio with income generating assets that have little to no correlation to each other. When you incorporate assets into a portfolio that are not correlated to one another (assets that do not move in the same direction to the same degree at the same time) you reduce the overall volatility of a portfolio, while maintaining or increasing overall returns. Managed Futures are the posterchild for non-correlation to other established asset classes.

Initially, managed futures strategies focused solely on metals and grain futures. They became commonplace in the 1970’s after futures exchanges expanded to include other types of futures contracts such as commodities, equities, currencies, interest rates and government bond futures.

The primary driver of most managed futures strategies is trend-following or momentum-investing; that is, buying assets that are rising and selling assets that are declining. This strategy is most successful in either extremely strong or extremely weak markets. We typically see managed futures perform well when most traditional asset classes are suffering. Historically, managed futures have displayed virtually no correlation to the S&P 500 Index or the Barclays Capital Aggregate Bond Index, offering strong portfolio diversification potential.

The prerequisite for positive performance for managed futures is a sustained and consistent trend in market futures prices. They tend not to perform as well in other market conditions such as times when markets are choppy and directionless. These conditions produce negative returns for most managed futures strategies.

The popularity of the asset class increased as a result of its strong performance during the dot-com collapse of 2000-2002 and the 2008 financial crisis. This is why we liken managed futures to an insurance policy. When markets are at their absolute worst, managed futures are arguably at their best.

Trading managed futures and option transactions both involve a substantial amount risk and loss of principal and is generally deemed unsuitable for all investors as there is no guarantee of profit. Past performance is not indicative of future results and in some cases managed commodity accounts are subject to higher charges for management and advisory fees. In some cases, it may be necessary to make substantial trading profits to avoid depletion or exhaustion of assets and under certain market conditions; it may be difficult to liquidate positions. All investors must meet eligibility requirements as that term is defined by CFTC regulation 4.7 and considered by the regulations to be sophisticated enough to understand the risks and be able to interpret the accuracy and completeness of any performance information.

An investment in the interests of the Trust involves certain risks, including tax risks, general real estate risks, risks relating to the financing, risks relating to the ownership and management of the Property, risks relating to liquidity and risks relating to the Trust structure. There is no guarantee that Investors will receive distributions or a return of their capital. This material is neither an offer to sell, nor a solicitation to buy a security, which can be made only by the Memorandum and sold only by broker/dealers authorized to do so. All potential Investors must read the Memorandum, and no person may invest without acknowledging receipt and complete review of the Memorandum. These securities have not been registered under the Securities Act of 1933 and are only made available to individual who meet certain minimum requirements as an accredited investor under SEC Rule 501(a). Investors that do not meet these minimum standards are not eligible to participate in Regulation D offerings.

Account Maintenance Corner: IRA Contributions

Sun, 12 Mar 2017 01:10:00 GMT

Tax season is the perfect time to revisit your savings plan. One important component of that plan may be contributing to your Traditional or Roth IRA. As a reminder, individuals under the age of 50 can contribute up to $5,500 each year, and those over the age of 50 can contribute up to $6,500. Your tax advisor can offer guidance regarding the exact amount you should contribute this year

You can still make 2016 contributions until April 18, 2017. Our Client Service Team can offer information about facilitating retirement contributions, so feel free to give us a call at 1-877-600-3573. Ask us about the convenient option of making your contribution electronically in lieu of writing a check!

Effective Estate Planning Tips

Fri, 10 Mar 2017 01:10:00 GMT

It can be very helpful to your family to make the necessary preparations for your estate now – before you pass away – to alleviate stress, confusion and to ensure your assets are properly managed and disbursed. Through successful estate planning , you can decide that your assets are well-managed following your death, so you can continue to provide for your family.

As a top investment management expert, AOG Wealth Management can help you throughout the process. Here are some ways to plan efficiently:

Prepare a Trust or Will

Dying without a will or trust enables state law to identify who inherits your assets. This involves non-financial assets that you may consider important. Without proper estate planning documents, the court will provide most of your assets to your spouse and children, then to your other relatives. Meanwhile, your property goes to the state if you have no family. Seek the help of a financial advisor to assist you with important details.

Compile the Important End-of-Life Documents

One of the common misconceptions about estate planning is that it is only necessary when someone is about to pass away. As your trusted asset management specialist, we recommend arranging this early. This can go a long way toward easing the challenges of handling your business during a critical situation. Help your family to achieve your wishes by giving them the following documents:

Manage Your Taxes

You can lessen the estate and income tax that your beneficiaries might owe by utilizing tax-efficient strategies. For example, if charities are one of your beneficiaries, then you can leave them your taxable assets. Meanwhile, you can assign your tax-free assets, such as your retirement accounts and life insurance, to your other beneficiaries.

You can deal with your estate planning easier when you turn to the premier asset management experts like AOG Wealth Management. Call us at (866) 993-0203 to learn more about our services. You may also schedule a complimentary consultation. We offer our services in McLean and other communities across Virginia and Washington, DC.

AOG Wealth Management does not provide tax or legal advice. Please consult with your tax and/or legal advisor for such guidance.

Worry-Free Financial Planning for Every Generation

Thu, 09 Mar 2017 01:10:00 GMT

To achieve financial freedom and enjoy a comfortable retirement, you need to plan your finances early in your working career. In fact, you should tackle this important task regardless of how young or old you are, whether you are a recent college grad earning that first paycheck or in your golden years. Wise spending, frequent saving, and thoughtful investments can help keep you on track for retirement.

Every age group, however, has different financial goals and challenges. To help you with this, AOG Wealth Management, your experienced financial advisor, shares some handy tips.

For Young Professionals

You are under 40 and jumpstarting your career. While you may make some mistakes as you go along, the right knowledge can help you gain a more solid footing financially. This includes:

First, you should obtain the ability to use credit and then be sure to pay off your credit card balances or loans in a timely manner. To avoid having a negative effect on your credit, don’t make late payments. Additionally, avoid bankruptcies, collections, and foreclosures. This allows for better financial planning .

For Individuals in Mid-Career

You might be earning a larger salary (and larger expenses) at this point in your life. With more life events occurring, you need to:

For Individuals Entering Retirement Soon

This is the point where you may realize your retirement savings are behind. Since you’re at the final stages of retirement planning, you should:

AOG Wealth Management can guide you through your finances at any point in your life. No matter the generation, we’ll provide you with effective planning solutions to reach your financial goals. Call us today at (866) 993-0203 to schedule your appointment.

The College Financial Aid Process: What Parents Need to Know

Wed, 08 Mar 2017 01:10:00 GMT

With the average price of public four-year colleges growing to more than $18,000 every year, it’s easy to think that college education for our children is financially out of our reach. Fortunately, there are numerous financial resources that can help realize the dream of a college degree. One of the best ways to finance your children’s education is to know and understand the financial aid process.

To date, there are two primary financial aid documents available: the Free Application for Federal Student Aid (FAFSA) and the CSS/Financial Aid PROFILE®. AOG Wealth Management, the leading company for asset management, explains more about these financial aid forms.

Completing the FAFSA

If you want the government or the college to help pay for your children’s education, then completing the FAFSA form should be a priority. When a college accepts your child, they use this application to come up with a customized financial aid package. The federal government also looks into this application.

When completing this form, you will be asked to submit a list of your assets. Be mindful about the assets you’ll declare, though; not all of them are deemed important by FAFSA. Reportable assets include your savings and investments, investment properties, and college accounts. Equity in your home, retirements assets, and annuities and life insurance, on the other hand, are often not required by FAFSA. You can turn to asset management experts like us for assistance in this matter.

Applying for the CSS/Financial Aid PROFILE

The College Board’s PROFILE is an online application that collects data used by around 300 colleges and scholarship programs. This gives out financial aid from sources outside of the federal government. Since not all schools require the PROFILE application, you can check with your prospective schools if this form is required.

Similar to FAFSA, PROFILE schools require the declaration of your taxable assets and college accounts. They will also use at least a portion of your home to reduce financial aid eligibility, as well as assess the value of your business or farm, if you have one. The formula they use is propriety.

If you need expert help when applying for these financial aid opportunities, you can turn to AOG Wealth Management. We specialize in a wide range of wealth management services, including, college savings plans, asset management, and investment management .

Call us at (866) 993-0203 or complete our form today to schedule a complimentary consultation with our experts.

Sudden Wealth? 3 Tips to Effectively Handle Financial Windfalls

Tue, 07 Mar 2017 01:10:00 GMT

Many people dream of striking it rich with a financial windfall such as winning the lottery. More common financial windfalls come in the form of an inheritance, legal judgement, sale of a business, etc. If you’ve suddenly come into money, you may start to wonder how best to handle this new found wealth.

Sudden wealth can have an enormous effect on your well-being, and there’s even a stress-related disorder called “Sudden Wealth Syndrome.” If you find your sudden wealth overwhelming, you should consult a professional wealth management advisor like AOG Wealth Management. Here are some tips to get you started:

Aside from these tips, you might want to avoid making big purchases right away and keeping receipts of your spending. For more educational assistance, you can turn to AOG Wealth Management, the top wealth and investment management firm in Northern Virginia . Our experts will help you handle and manage your wealth so it meets your financial goals.

Get in touch with us today by calling (866)-993-0203 or by completing our form . We’ll be ready to assist you.

Factors to Consider in Estate Planning

Sun, 05 Mar 2017 01:10:00 GMT

When talking about estate planning, you’ll need to face hard decisions about how best to distribute your wealth. Estate planning is a process involving the arrangement, management, and disposal of an individual’s estate during their life or after passing on.

One of the decisions you need to make is the proper distribution of your assets to your family. If you own several assets, it can get a little complicated. There are factors, however, that can affect which assets are best left to family. The expert in estate and tax planning in the Washington, DC area , AOG Wealth Management, shares three of them.

If you want a more worry-free estate planning experience, turn to AOG Wealth Management. We’ll provide quality solutions to help you to reach your financial goals. You can also count on us for your financial planning . Call us today at (866) 993-0203 to schedule your appointment.

The Endowment Model: Private Equity

Mon, 13 Feb 2017 01:10:00 GMT

The objective of the endowment model is to provide competitive portfolio returns with reliable income while reducing the volatility of the portfolio. Two of the major characteristics of an endowment portfolio that work together to fulfill these objectives are the use of illiquid investment vehicles and the use of investment vehicles that are of very differing economic characteristics. Real estate, energy, private equity, private debt, stocks and bonds are so very different from one another in how they behave during certain economic cycles that they will rarely go up and down in value at the same time. It is the “non-complementary” nature of these asset classes that reduces the volatility of the portfolio.

Most of the asset categories mentioned previously generate some form of income just some more than others. Private equity, while having some investment opportunities that do provide income, most times is not geared to providing income.

Private equity returns are largely driven by strategic investments with the opportunity for significant growth. While investors must commit capital for a long period, the offsetting illiquidity premium provides the opportunity for returns in excess of the typical public markets.

While private equity valuations may tend to track public markets over time they do so without the same volatility as the public markets which helps minimize losses during stress periods. The most important distinction between public and private equity is that private investors are not simply passive investors. Private equity firms create a portfolio by purchasing significant interests in startups or established companies, then working to increase company value through internal reorganizations, enhanced operational efficiencies or external acquisitions. Value is usually realized through the sale of the company or an initial public offering.

We believe that private equity is an integral part of the endowment portfolio and we are glad to be able to provide a private equity investment option to our clients.

Disclosures:
Securities offered through TD Ameritrade Institutional Services located at 5010 Wateridge Vista Dr., San Diego, California 92121-5775. Investment advisory services offered through AOG Wealth Management, Inc. AOG Wealth Management, Inc. is neither an affiliate nor subsidiary of TD Ameritrade Institutional Services.

Alternative investment products, including real estate investments, notes & debentures, hedge funds and private equity, involve a high degree of risk, often engage in leveraging and other speculative investment practices that may increase the risk of investment loss. These assets can be highly illiquid and in many cases the underlying investments are not transparent and are known only to the investment manager. There is often no secondary market for an investor’s interest in alternative investments, and none is expected to develop. Alternative investment performance can be volatile. An investor could lose all or a substantial amount of his or her investment. Investment offerings in private equity can only be made on the basis of a confidential private placement memorandum or prospectus by the issuer. This ad does not constitute an offer of securities or a solicitation of an offer to buy securities.

Account Maintenance Corner: Tax Prep

Thu, 02 Feb 2017 01:10:00 GMT

Tax season is upon us! Please take a glance at our helpful hints below…

Tax Preparation Packets
As a wealth management firm specializing in assisting high net worth individuals and businesses with their financial needs, we strive to provide exemplary client service. As a component of that service, we are in the process of preparing a Tax Packet which will be emailed the week of February, 13th if not sooner. If you would prefer a hardcopy of this information mailed to you as done in previous years, please email me at eschaeffer@aogwealth.com. It will include:

2016 Contributions
Contributions for the 2016 tax year can be made up until your 2016 federal tax returns are filed. The maximum annual contribution limit is $5,500 to a Traditional or ROTH IRA and $6,500 for anyone over the age of 50.

Partnership Programs
We want to notify tax easements investors and tax preparers what to expect and when to expect documentation needed to file your 2016 taxes.
The deadline to issue partnership K-1’s to investors is scheduled for March 15, 2017. We anticipate that investment companies will send packages via hard copy or electronically to clients on or before that date. The tax filing package you receive will include IRS Schedule K-1.
*Those that invested in a Land Conservation Easement will also receive Form 8283 and Form 8886 with their K-1.
Please call our office at 1-877-600-3573 and one of our client service team members will be more than happy to assist you with any questions.

Dislosures:
Securities offered through TD Ameritrade Institutional Services located at 5010 Wateridge Vista Dr., San Diego, California 92121-5775. Investment advisory services offered through AOG Wealth Management, Inc. AOG Wealth Management, Inc. is neither an affiliate nor subsidiary of TD Ameritrade Institutional Services.

4 Ways People Under 40 Can Simplify Estate Planning

Wed, 25 Jan 2017 01:10:00 GMT

A common misconception is that estate planning only applies to the wealthy. This process, however, is essential for anyone who has assets, regardless of the overall value of those assets. AOG Wealth Management, an expert in financial planning in McLean, Great Falls, and all of the Metro DC area, shares four ways people under 40 can approach and understand the estate planning process:

AOG Wealth Management’s quality solutions can help you reach your financial goals. With our exceptional estate planning services, we can make this a smoother process. Call us today at (866) 993-0203 or fill out this form to schedule your appointment.

MESSAGE FROM THE PRESIDENT: January 2017

Sat, 21 Jan 2017 01:10:00 GMT

I hope each of you enjoyed the holidays with your friends and family. All of our staff took vacation time over the last month, both around the house, and some travel. Sheila and I spent time with family and friends. Our son is on schedule to graduate in May from the University Of Virginia School Of Law. He completed an Honor’s Fellowship with the Securities and Exchange Commission Department of Corporate Finance last summer, and is interviewing with them now for a permanent position. Joe asked to move home next summer while he studies for the bar exam, and we are really looking forward to having him around the house for a few months.

As I prepared to write this 2017 article, I reviewed the 2016 version. I was correct in projecting slow but steady economic growth and modest gains in the market. In particular, I was correct about increasing volatility as we neared the election. I did not predict a Trump victory and “Trump Bump”. For 2017, I believe that the Trump rally will slow as he moves from election mode to governing. The transition team and House and Senate Republicans have announced ambitious plans for the repeal and replacement of ObamaCare, a major tax reform package that may include bringing billions of dollars held overseas by US companies back home, and possibly coupling that one time “tax holiday” with a major infrastructure bill. Whether they can achieve that or not, business are clearly expecting lower taxes, reduced (unnecessary?) regulatory oversight, and reduced health care costs. Although various capital models predict a high single digit, low double digit potential return on equities, we agree but expect increasing volatility, particularly in the second half of the year.

Last year I predicted a few incremental rate hikes, but said I wouldn’t be surprised if rates stayed flat. After only the second rate hike in a decade, and based on comments from various Federal Reserve Open Market Committee Members, I think the pendulum will finally swing this year with multiple rate hikes. On July 8, 2016, the 10 year treasury showed a yield of 1.37%, and I think that may well be the low inflection point for the next decade. We still favor floating rate debt over fixed rate debt in all of our portfolio models, and hope that investors are not too roiled if they maintain significant holdings in long term fixed rate bond mutual funds.

As predicted last year, US energy production costs did plummet, but have begun to recover. In 2016, we did find investment opportunities to purchase distressed assets, in addition to our regular energy investments. With the most recent tenuous agreement by OPEC to limit production, oil prices have climbed back into the mid $50s per barrel and natural gas prices the mid $3s per MCF. We expect continued incremental increases in energy prices, especially if worldwide growth actually moves above 2%.

At AOG, we have continued to refine our procedures to enhance our client experience. We have continued to review our real estate offerings, and moved to smaller funds that can be more nimble as we progress into later “innings” of this real estate cycle. We have also expanded on our new tax planning strategy that is even more effective than our oil & gas drilling programs. Although we limited it in 2015 and 2016 to clients with incomes in excess of $400k, we are reviewing it with some of our CPA partners for potential Roth IRA conversions. If you are interested in a specific analysis for your portfolio, please contact your tax professional and Jim Ortlip for a customized review.

Disclosures

Securities offered through TD Ameritrade Institutional Services located at 5010 Wateridge Vista Dr., San Diego, California 92121-5775. Investment advisory services offered through AOG Wealth Management, Inc. AOG Wealth Management, Inc. is neither an affiliate nor subsidiary of TD Ameritrade Institutional Services.

5 Tips on Managing Your Money in Your 20s

Wed, 18 Jan 2017 01:10:00 GMT

When you are young, it can be hard to plan for retirement — something 40 years in the future. But it is important to start when you are you because you have many financial concerns during this point in your life such as student loans, rental expenses, and saving for your first home. AOG Wealth Management, your premier financial advisor in Washington, DC and Northern Virginia, shares some handy tips on managing your finances effectively in your 20s.

It is also beneficial to consult an expert in wealth management for your financial concerns. They can offer quality solutions that can help you reach your goals. AOG Wealth Management is the premier finance professional you can count on for excellent planning solutions that suit your individual situation. With our exceptional team and services, we will draw up a plan that aligns your needs and goals with real investment solutions.

Turn to AOG Wealth management for your financial needs. Call us today at (866) 993-0203 or fill out this form to schedule your appointment.

Helpful Saving Tips for a Secure Retirement

Mon, 16 Jan 2017 01:10:00 GMT

AOG Wealth Management has a long history of helping clients safeguard and grow their assets, even in a turbulent economy. As an expert in investment management in Washington DC and Northern Virginia, we understand that every client has evolving financial goals, which is why we provide sophisticated solutions based on individual situations. Nonetheless, there are some general tips you can apply while saving for retirement.

If you need more detailed advice that is specific to your financial situation, we will be glad to assist you. AOG Wealth Management has many years of experience in asset management , and in helping our clients meet their financial objectives. We will meet with you and conduct a data gathering session to enable us to provide you with a customized financial solution. Call us at (866) 993-0203 to learn more about saving for retirement. You can also schedule a no-obligation, complimentary consultation.

Tips to Help You Develop the Right Mindset for Investing

Sun, 15 Jan 2017 01:10:00 GMT

AOG Wealth Management is the leading expert in investment management in Ashburn, VA and all of Northern Virginia. We specialize in helping our clients meet their financial goals by providing customized investment solutions based on their objectives and circumstances. Here are a few tips to help you develop the right mindset before investing:

Our expert wealth management advisors serving households in Washington, DC and Northern Virginia, will help you reach your financial objectives. We understand that every client has specific goals and evolving financial needs. That is why we will work with our clients to plan and implement a strategy that will help them grow and maintain their assets even in a turbulent economy. Call us at (866) 993-0203 to learn more tips on preparing for investing. You can also schedule a no-obligation, complimentary consultation.

Service in our Community

Wed, 11 Jan 2017 01:10:00 GMT

The staff and clientele of AOG Wealth Management have been honored with many blessings during the year. The holidays are a time when we come together to share with others. At our annual holiday event we collected over 200 toys for the Toys for Tots charity, along with 60+ pairs of Men’s and Women’s winter socks for the Embry Rucker Community Shelter in Reston. Cash donations were also collected for both charities. Thank you to everyone who helped us brighten a child’s holiday and warm another person’s heart.

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5 Essentials to Address During the Estate Planning Process

Fri, 30 Dec 2016 01:10:00 GMT

Talking about how to divide your possessions after your death can be an emotional and daunting task. Nevertheless, it is essential that you plan properly for the future. This way, you can avoid creating problems for the people you love after you pass, leaving them with an orderly distribution of your assets per your wishes. Estate planning is not just for the wealthy, after all, as it applies to anyone who has possessions regardless of how many or how expensive.

AOG Wealth Management, your Great Falls expert in financial planning , discusses five of the areas you need to address during the estate planning process.

You can turn to AOG Wealth Management for your financial needs, whether they are estate planning or tax planning in Washington, DC and Northern Virginia. With our extensive services, we will guide you in reaching your financial goals. Call us today at (703) 757-8020 or fill out this form to schedule your consultation.

4 Financial Tasks You Should Complete Before Year-End

Fri, 23 Dec 2016 01:10:00 GMT

Keeping your finances in order is a year-round task, and more the last quarter of the year as you prepare for tax season. For this reason, you should already focus on strategies that help reduce your taxable income before the year ends. AOG Wealth Management, your premier financial advisor in Washington, DC and Northern Virginia, shares four of these must-do tasks.

If you need help dealing with your other year-end financial needs, turn to the expert in Reston wealth management . We can guide you with our professional services and quality solutions. Whether you need tax-efficient strategies to lower tax burden or maximize pre-tax investments, our team can meet your needs.

AOG Wealth Management can help you reach your financial goals. Call us today at (703) 757-8020 or fill out this form to schedule your consultation.

How Our Experts Can Help You Realize Your Financial Goals

Sun, 18 Dec 2016 01:10:00 GMT

Many people turn to financial advisers to help them organize their financial life. By the time they accomplish their obligations at work and at home, there is little time left over to think about their financial goals. AOG Wealth Management understands this common dilemma, which is why we help our clients identify and map a path toward attaining their financial goals.

2016 Top Financial Advisers

As the leading company that provides investment management in Washington, DC , we are proud to say that our advisers are effective at what they do. In fact, they grab the attention of the country’s leading financial organizations consistently. This year, Northern Virginia Magazine featured our very own Fred Baerenz and Jim Ortlip as part of 2016’s list of top financial advisers.

Fred Baerenz is a credentialed Northern Virginia wealth management professional who specializes in investment and retirement planning. As CEO and president, he joins other AOG Wealth Management specialists in providing services for individuals and families seeking wealth protection and growth. Jim Ortlip is a risk management professional. By working closely with our clients, he’s able to formulate steps that help mitigate risk for smarter investing.

Why Choose AOG Wealth Management

Financial goals are unique for each individual or household, which is why we work to provide customized investment solutions. We look at your personal goals, circumstances, and objectives to help formulate the necessary strategies. Whether you want to focus on tax preparation and planning or asset management in Washington, DC , our experts can guide you every step of the way.

AOG Wealth management differs from other investment management firms because we put additional emphasis on other aspects of your plan. For us, an investment is more than just a combination of stocks, bonds, and cash. We also base our strategies on certain factors, such as your private equity, managed futures, cash equivalents, and equipment leasing.

As you can see, we are not just your typical financial planning expert. We employ a durable income model to actively monitor your assets and other investments. From there, we customize your portfolio and create solutions based on your risk/reward profile.

From college savings plans to retirement funds, we are here to help. Simply call us at (866) 993-0203 to schedule a consultation with our advisers today.

AOG Wealth Management: Supporting Our Community

Fri, 09 Dec 2016 01:10:00 GMT

At AOG Wealth Management, we take pride in the opportunity to live and work in various communities around VA, DC, and MD. In addition to having a positive impact on the lives of our dear clients, we are dedicated to bettering the lives of people in need. Through volunteer work, welfare agency participation, and financial support to causes important to us, we are always looking for ways to help improve the beautiful communities where we live and work.

As the leading company for investment management in Ashburn, VA and all of Northern Virginia, our goal is to provide all our employees the wonderful opportunity to serve their community. Here are some of the events and organizations we support:

If you are looking for an expert wealth management advisor in Washington, DC , look no further than AOG Wealth Management. When you partner with us, you do not only get the opportunity to work with experienced financial advisors in the industry. You also partner with people who care deeply about giving back and supporting our local community.

To schedule a complimentary consultation, call us at (866) 993-0203 or complete our form . We look forward to working with you!

6 Easy Steps to Effectively Planning Your Finances

Fri, 25 Nov 2016 01:10:00 GMT

Whether it is a short or long-term financial goal, you need a plan to help you get there. A financial plan is not a fixed, set in stone plan, however—it changes throughout your life so make sure that you know the proper steps to take and when it is necessary to update your plan and change course. Your expert in estate planning in Washington, DC and Northern Virginia, AOG Wealth Management, shares how you can make an effective financial plan with these steps.

Turn to AOG Wealth Management for financial planning in Great Falls, McLean, Reston and all of Northern Virginia. We will help you achieve your financial goals through our professional team and quality solutions. Call us today at (866) 993- 0203 or fill out this form to schedule your free financial consultation.

Happy Thanksgiving from AOG Wealth Management

Fri, 25 Nov 2016 01:10:00 GMT

4 Common Questions about Taxes

Sun, 20 Nov 2016 01:10:00 GMT

Tax season is coming. By learning more about your taxes and consulting an advisor, the tax preparation process can be much easier. AOG Wealth Management, your local expert in financial planning in Washington, DC and Northern Virginia answers a few of the most frequently asked questions we get about taxes.

1. How does filing my taxes early benefit me? The biggest advantage of filing early is getting your tax refund sooner. If there are issues with your taxes, you get to have more time to deal with them. You can ask for an extension if you are filing late. However, forgetting to file on time and neglecting to ask for the extension may result in fines and interest.

2. How do I differentiate exemption, credit, and deduction? Exemptions and deductions work the same way as both reduce your taxable income. This results in lowered tax bills. The only difference is what you are getting and taking them for.

Exemptions involve what you are getting for family members and other dependents. Deductions, on the other hand, are for a range of things, including charitable deductions or student loan interest. Credits, however, work differently as they are a straight-up discount on your tax bills. If you want to learn more about how each works, consult your financial advisor in Washington, DC and Northern Virginia. AOG Wealth Management can guide you through the tax process and the essentials involved with it.

3. What do I do if I made a mistake with the tax-filing? Tax filing mistakes can be corrected. Waiting longer may lead to further interest and penalties. Be sure to fill out the necessary forms again with the corrected information.

4. Do I need a financial advisor? This will depend on how complex your finances are. Significant life changes, owning a business, free lancing, or having complicated stocks and investments are just some examples of where a financial advisor and tax consultant can help keep things straight. Consulting an advisor can be an excellent investment in of itself. AOG Wealth Management, for instance, has deep experience in tax preparation and planning. Our guidance and quality solutions can help you meet your unique financial goals.

Work with us for your Great Falls, Reston and Northern Virginia wealth management needs. Call us today at (866) 993- 0203 or fill out this form to schedule your consultation.

5 Important Aspects of Asset Allocation

Sat, 19 Nov 2016 01:10:00 GMT

The stock market is probably the first thing that springs to a beginner’s mind when thoughts turn to “investing”. While investing in stocks can possibly provide positive returns, this can be just one of many investment vehicles within a comprehensive investment strategy. That’s because there are other asset classes to consider and choosing different investment vehicles helps to reduce investment risks.

Asset allocation is an investment strategy that allows you to allocate your investment funds across several asset classes, such as stocks, bonds, real estate, and money market securities. Its goal is to minimize risk while maximizing return across your investment portfolio. AOG Wealth Management, an experienced company providing asset management in Washington, DC and Northern Virginia, shares five things you need to know:

1. Choosing Assets With the Highest Potential Returns isn’t Always the Answer – Certain investment vehicles, like the stock market, have a tendency to rise or fall during specific economic events. Since asset classes do not typically fluctuate together in response to market forces, combining them into a diverse portfolio can potentially help boost your investments.

2. Financial Planning Software Can Only Do So Much – While standard worksheets or software can be beneficial, they might not be reliable in some cases. Some of these tools don’t consider other important information. Other times, they are based on a set of questions that don’t connect to your financial goals. Consult your McLean asset management specialist to help you plan your assets the right way.

3. Identifying Goals is an Important Part of the Process – Do you want to own a vacation home in 10 years? Or perhaps you want to simply save up for your child’s college education? When planning the right investment mix, it’s crucial that you include all your goals in your asset allocation plan.

4. Time is Your Best Friend – Having time will allow you to maximize the time value of your money. So start early!

5. Proper Implementation is the Key – After creating your own investment mix, you need to implement it properly. First, you need to determine how your current portfolio breaks down. As the premier company for investment management in Washington, DC and Northern Virginia, we can help categorize the type of stocks and other asset classes you own, and guide you in implementing your portfolio.

For more asset allocation facts and tips, contact our financial experts today. Simply give us a call at (866) 993-0203 or complete our form , and we’ll schedule a free financial review with you.

AOG Gets Into the Halloween Spirit!

Thu, 03 Nov 2016 01:10:00 GMT

AOG Wealth Management was thrilled to participate again this year in Celebrate Great Falls’ Halloween Spooktacular in the village of Great Falls. Gru and his Minions handed out over 1,200 Hershey® candy bars to the young ghosts, princesses, and zombies of Great Falls. Congratulations to Jethro and his Minions who won the category of Best Group Costume during the Pet Parade on the Green. It was a perfect Fall evening and the AOG team had so much fun!

Tips on Choosing a Wealth Management Firm

Sat, 29 Oct 2016 01:10:00 GMT

If you want to start investing or have been investing for a long time, you should consider working with an experienced wealth management advisor in Washington, DC or Northern Virginia. Experienced financial professionals can help you plan your retirement years and help protect your assets. Here are some tips to help you choose the right wealth management firm for your needs.

Focus on Value Instead of Price

Instead of focusing on what you pay, focus on what you are getting. You can approach your advisor and discuss how you can stay informed about your investments. You can also who their ideal client is, so you can match your needs to their criteria. If you want to have an overview of how the advisor treats clients, feel free to ask around.

At AOG Wealth Management, we make sure to create clear expectations and have solid lines of communication with our clients. We find and create customized solutions to your financial concerns, and we are committed to helping you every step of the way.

Verify Who You Will Be Working With

Credentials are important when it comes to wealth management in Washington, DC and Northern Virginia. Make sure that the person you talk to during the interview is the one who is going to handle your portfolio. Credentials also signify trust, which is important in any kind of relationship.

AOG Wealth Management is proud to have a team of advisors who are Certified Financial Planners®. We adhere to integrity, competence, objectivity, confidentiality, and fairness. We also practice professionalism and due diligence when dealing with our clients. We also carry the Accredited Investment Fiduciary® designation, which means that we implement a prudent process.

Protect your investments and hire the right firm to handle your portfolio. Let AOG Wealth Management help you with your wealth planning needs. We use our own model for investment management in Ashburn, VA and all of Northern Virginia and Washington, DC. This lets us actively monitor your investments so we can customize your portfolio based on your reward profile.

Plan your financial future with us today. For a free consultation, you can call us at (866) 993-0203. You can also fill out our convenient contact form .

Smart Money Management: 5 Simple Tips to Save Money

Thu, 27 Oct 2016 01:10:00 GMT

Many people today are open to learning how they can save money effectively. Most of the time, however, the best savings come from our daily purchases and expenditures. To manage and save your money effectively, you need to look for ways to improve your day-to-day finances.

What are the best ways to keep your daily expenditures within your budget plan and grow your savings? AOG Wealth Management, an experienced company for Reston wealth management and asset management, offers five smart money-saving tips:

1. Know Your Expenses – Identifying how much you are actually spending is the first step to saving money. Your list should include every expense you make in a given day, including every newspaper or snack you purchase. Do this for an entire month. When you have the data, categorize the items and get the total amount for each.

2. Create a Budget Plan – From your list of expenses, you can now create a budget plan with a goal to limit your spending. It’s also crucial to keep some in an emergency savings fund as a best practice for your financial planning in Washington, DC and Northern Virginia. Be sure to stick to your plan, otherwise, you may not be able to pursue your financial goals in the long run.

3. Avoid Buying Lunch as Much as Possible – Bringing home-cooked meals to school or work can help significantly in your money-saving efforts. Studies reveal that you can save up to $25 dollars a week (or $1,300 a year) when you avoid frequent lunches out.

4. Walk or Bike to Work – If your work place is nearby, you can realize huge savings by walking or biking to work instead of commuting by car. According to the American Automobile Association, the typical work commute costs about $4,000 annually. You can a lot over the years if you cut back on commuting expenses.

5. Seek Help from the Pros – You can actually pay closer attention to your savings and investments if you work with a financial advisor in Washington, DC or Northern Virginia. AOG Wealth Management, for instance, can provide customized solutions based on your specific goals and circumstances.

These tips certainly aren’t everything you can do, but they are a step in the right direction to effectively manage your money. AOG Wealth Management is here to help you achieve your financial goals. To get started, call us at (866) 993-0203 or complete our form . We’ll be happy to give you a complimentary consultation.

Celebrate Great Falls Halloween Spooktacular & Pet Parade

Thu, 27 Oct 2016 01:10:00 GMT

What costumes will the AOG Wealth Management team don this Halloween at the Annual Halloween Spooktacular & Pet Parade in Great Falls? Last year we honored Downton Abbey. The year before team member’s chose their own costume. To learn more about the Spooktacular in Great Falls, please visit http://www.celebrategreatfalls.org/spooktacular/ . AOG Wealth Management is the Proud Preferred Partner of the Celebrate Great Falls Foundation.

4 Tips to Ensure Estate Planning Success

Tue, 25 Oct 2016 01:10:00 GMT

Many people inadvertently give more of their assets to taxes upon dying as well as leave their family unprepared to deal with their estate. These people face these situations because they have no idea how to plan for their estates after they die. Proper estate planning is important to make the most of your estate’s value and provide maximum protection for your loved ones.

As an experienced firm providing estate and tax planning in Washington, DC and Northern Virginia, AOG Wealth Management is here to help you with the necessary preparations. Here are some best practices to help you plan to prepare your estate for when you are gone:

1. Create a Will – Dying without a will results in complete strangers deciding how to distribute your assets. It is known as dying intestate – an act that leaves the divvying-up process to state law. If you fail to write a will, the court will give most of your estate to your spouse and children, followed by other relatives. Your properties will belong to the state if you have no family. Consult a financial advisor to help you determine the necessary details.

2. Create a Trust that Includes Your Provisions – This is ideal if you plan to allocate some of your assets to cover various expenses. Our experts in McLean financial planning can lend a hand to ensure your trustees would be legally able to maximize the designated amounts in your trust plans.

3. Manage Your Taxes – Seek the help of a professional to execute tax-efficient strategies if you anticipate that your beneficiaries will owe estate and income taxes on the money they inherit. For instance, you can offset these taxes with the proceeds from your life insurance.

4. Hire an Estate Planning Team – Your team should include an estate planning attorney, a tax specialist, and a financial advisor. For smoother and faster processing, be sure that they communicate with one another regularly, so that they stay up-to-date with any developments or changes.

When you work with AOG Wealth Management, we will provide you with a team of experts to help with your estate planning in Washington, DC and Northern Virginia. If you have questions regarding our services, you can schedule a complimentary consultation with us by calling (866) 993-0203 or by filling out our form . We’ll be ready to assist you every step of the way.

529 College Savings Plan Q&A With AOG Wealth Management

Mon, 24 Oct 2016 01:10:00 GMT

The 529 college savings plan, legally known as a “qualified tuition plan”, is a tax-advantaged savings plan introduced in 1996. It encourages saving for future college costs, and is sponsored by state agencies and educational institutions.

Who Can Apply?

Any U.S. citizen or resident alien who is 18 years old or older can open an account. The beneficiary can be a child, younger relative, or grandchild. AOG Wealth Management, your experienced advisor for investment management in Washington, DC and Northern Virginia, also recommends this plan for adults for their own higher education costs.

Does It Offer Tax Benefits?

Making the most of a college savings plan offers special tax benefits. Your earnings will not be affected by federal tax. For state tax exemptions, you must have withdrawals for eligible college expenses.

How Different is the Prepaid Tuition Plan and the College Savings Investment Plan?

The college savings plan is a type of investment plan under the 529 federal tax code. Another type of plan is the prepaid tuition plan. This plan locks in tuition prices at eligible schools and universities, covering tuition and mandatory fees only. It also has an age or grade limit and has a limited enrollment period.

The college savings plan will fit your asset management planning in Washington, DC and Northern Virginia, because it covers all qualified higher education costs. They include tuition, boarding, necessary books or computers, and mandatory fees. The college savings plan also does not impose age limits and is open for enrollment all year long.

Where Can You Spend the College Savings Plan?

Savers can apply their plan in most accredited colleges, graduate schools, and professional and trade schools. Keep in mind that plans vary from state to state, so be sure to check the list of corresponding fees covered.

What Policies Should You Be Aware of?

The federal government enforces policies on all 529 plans. Only one person can own a 529 account, which can have only one beneficiary. If you want to have multiple accounts, the sum of all accounts must not exceed the state maximum limit on contributions.

If you need assistance for your McLean asset management needs, you can count on AOG Wealth Management. We specialize in college savings plans as well as financial planning. We can also help small business with their 401(k) plan.

Call us today at (866) 993-0203 so we can help you pave your way to financial success. You can also fill out our contact form .

Thanks to Vinyl Invention and Celebrate Great Falls for a fantastic final 2016 concert

Sun, 02 Oct 2016 01:10:00 GMT

Vinyl Invention

Celebrate Great Falls

Why You Need a Wealth Management Advisor

Sat, 01 Oct 2016 01:10:00 GMT

We are a Registered Investment Advisor that offers wealth management services for companies, individuals, and endowment funds in a boutique setting. We provide customized investment solutions according to your objectives, circumstances, and goals. As the leading choice for Reston wealth management services, we specialize in retirement planning and retirement income solutions.

What is Wealth Management?

Wealth management is a high-level professional investment advisory service. It combines accounting and tax services, financial and investment advice, retirement planning and estate planning for one set fee. The wealth manager coordinates inputs from financial experts to sustain and grow the clients’ long-term wealth. AOG Wealth Management, in particular, provides solutions that we structure around your specific needs. We put strategies in place to protect your investments and help you reduce retirement worries.

How Can We Help You?

We have many years of experience helping our clients grow and maintain their assets even in a volatile and turbulent economy. We also provide sophisticated solutions based on individual situations. Every client has specific needs and evolving financial goals. We always work with our clients to plan and implement a strategy that fits their circumstances. Our financial planning in Washington, DC and Northern Virginia focuses on forming a good relationship with our clients and on finding the best way to meet their financial and retirement goals.

We will use interview and data gathering sessions to customize your financial plan. Our data gathering and analysis typically last for two or three meetings. Our team of Private Wealth Advisors will help you reach your financial goals. The team consists of Scott Sweat, CFP®, James Ortlip, CFP, Michelle Whitlock, CFP, and our President and CEO, Frederick P. Baerenz, AIF®. They are all uniquely qualified and here to serve you.

Our level of integrity and focus can help meet your financial goals. AOG Wealth Management is the premier financial advisor in Washington, DC and Northern Virginia. We work with only the finest professionals in the industry. Call us at (866) 993-0203 to learn more about our wealth management services. You can also schedule a complimentary consultation.

Protect Your Assets with These 5 Estate Planning Tips

Thu, 29 Sep 2016 01:10:00 GMT

According to a report from the Center on Wealth and Philanthropy at Boston College by John J. Havens and Paul G. Schervish, an estimated 59 trillion dollars will be transferred from 116 million households between 2007 and 2061. We have entered the greatest wealth transfer in history, so now is an excellent time for estate planning in Washington, DC and Northern Virginia. AOG Wealth Management recommends these five estate planning tips:

AOG Wealth Management is the leading choice for estate planning, asset management, and tax planning in Washington DC and Northern Virginia. We can help you plan for your wealth to go to the organizations and people that you care about. We provide highly responsive and personalized service for our clients.

Call us at (866) 993-0203 to learn more about our estate planning services. You can also schedule a complimentary consultation.

Financial Planning in Your 40s: 3 Handy Tips

Mon, 26 Sep 2016 01:10:00 GMT

Your 40s are the prime age to conduct financial planning for both you and your family’s future. By this time, you should be saving for college for your children, contributing money regularly to a retirement plan, and possibly moving into a larger home. While experts say that every plan is different for each person, the bottom line is that you have to start planning and saving for multiple financial goals.

It is never too late to begin your financial plan. AOG Wealth Management can help you with this. As your premier wealth management advisor in Washington, DC and Northern Virginia, we can help you get started. Follow these handy tips:

Turn to AOG Wealth Management for experienced financial planning advisors and services. As an expert in wealth and investment management in Ashburn, VA and all of Northern Virginia, we will guide you toward your financial goals. Call us at (866) 993-0203 or fill out our form today for a complimentary consultation.

Beware of these 4 Common 401(k) Mistakes

Sat, 24 Sep 2016 01:10:00 GMT

A workplace 401(k) retirement plan can be a great tool to help you prepare for retirement. But only if you know how to use a 401(k) and take advantage of all it has to offer you. You can make this happen by avoiding some of the common 401(k) mistakes people make. As a leader in asset management in Washington, DC and Northern Virginia, AOG Wealth Management can help. Here are common 401(k) plan mistakes to avoid:

AOG Wealth Management is the premier company you can count on for strategies that can help you achieve your financial goals. We are committed to providing exceptional investment management in Washington, DC and Northern Virginia. With our experienced advisory team, we can provide financial guidance to help you plan for your retirement years. Call us at (866) 993-0203 or fill out our form today for a complimentary consultation.

Investment Management: 5 Valuable Principles to Live By

Wed, 14 Sep 2016 01:10:00 GMT

The largely unpredictable terrain of the financial market can be hard to navigate, especially for first timers. With a few of the basics, however, you should be able to navigate where to start and learn the right lessons along the journey to achieving your goals.

With that in mind, let your experienced wealth management advisor in Washington, DC and Northern Virginia provide you with five guiding principles to live by:

1. Diversify Your Investments

This means allocating your capital in a way that reduces the risks associated with sticking to just one asset class (stocks, bonds, cash, etc.). In so doing, you will be able to manage the ups and downs of the market better.

2. Invest For The Long Term

Time and compounding interest are key ingredients in any successful investment portfolio. In most cases, the longer the better. As the top name in investment management in Ashburn, VA and all of Northern Virginia , we can teach you how to align your investment strategy with your goals and risk tolerance.

3. Accept What is and Prepare for What will Be

The market is unpredictable; accept this fact. Fluctuations in the market are a normal and expected part of investing. Short-term upheavals, on the other hand, can favor the long-term investor, since drops in the market can be buying opportunities for stocks that are essentially on sale.

4. Maintain Some Form of Liquidity

Emergencies will not wait for your investment to grow, so it’s always best to have something to fall back on when necessary. In addition, knowing that you have your short-term needs covered will help you with the unexpected.

Incremental Investing is Crucial

Simply put, it is better to be largely right by investing steadily over time than precisely wrong by going in all at once. Remember that the market is volatile, so it wouldn’t be prudent to invest large amounts of funds without expecting shifts in the market.

Let us handle your wealth management in Washington, DC and in Northern Virginia . Unlike other models, we offer a well-diversified investment portfolio that includes stocks, bonds, real estate, leasing, private equity, and cash equivalents. We are committed to being with you every step of the way because you deserve the road less traveled.

Contact AOG Wealth Management today to schedule your no-obligation complimentary consultation by completing the form on or by calling us at (866) 993-0203.

Retirement Plans: Understanding Roth and Traditional 401(k)

Tue, 13 Sep 2016 01:10:00 GMT

Your salary covers the essentials – food, family, sometimes vacations, or even a new home – if you manage your budget right. And if you do not plan properly for retirement, you’re likely to find yourself in a pinch when it comes to enjoying your retirement years. Making regular contributions to a retirement plan can help you build a healthy nest egg for your future.

The first step is to understand the ins and outs of different saving tools, including the basics of Roth and traditional (401)k plans. AOG Wealth Management, the experienced name in tax and estate planning in Washington, DC and Northern Virginia , explains the unique features of each plan. We also offer tips to help you take advantage of both.

Traditional (401)k: Pre-Tax Contribution

Employees under traditional 401(k) plans make contributions before they pay taxes. This is a win-win situation for many, since it reduces your taxable income while preparing you for retirement. When you choose this plan, you can invest your cash in mutual funds, stocks, or bonds. You also have the control on how you want to allocate your assets. The cash in your account grows tax deferred until you withdraw it.

At that point, however, the funds you withdraw will serve as regular income and will get taxed at your normal rate. You will also trigger a 10% penalty if you request distributions prior to age 59 1/2. It’s always best to consult an expert for Great Falls financial planning to make informed decisions.

Roth (401)k: After-Tax Investment

Roth (401)k plans function much like traditional plans, but they differ on when investors need to make contributions. Unlike the traditional (401)k, you contribute funds after your income gets taxed. This means you won’t have to reduce your taxable income when investing with a Roth plan.

The most significant part, however, is you’ll enjoy non-taxable withdrawals after age 59 1/2 if you’ve been enrolled in a plan for at least five years. Opening a Roth 401(k) plan is ideal if you think you’ll be in a higher tax bracket by the time you retire since your withdrawals won’t get taxed. It’s also a great idea to think about this if you’re young. Your earnings still have plenty of years to continue growing tax-free, so seek the help of our specialists for tax planning in Washington, DC or Northern Virginia …now.

It pays to educate yourself about various plan offerings such as these. Otherwise, you might miss out on their potentially valuable benefits. To learn more about 401(k) accounts, you can call AOG Wealth Management at (866) 993-0203 or complete our free consultation form. We’ll be happy to assist you.

Consolidate Your Accounts by Rolling Over Your 401(k) Plan

Tue, 23 Aug 2016 01:10:00 GMT

According to the Bureau of Labor Statistics, the typical person holds 11 jobs from the age of 18 to 44. Different workplaces mean multiple workplace retirement accounts. Since not all employers require you to leave their plan when you depart, you can end up with many disparate retirement accounts. Consolidating your accounts to an IRA or to your next employer’s plan gives you a clearer picture of your money. AOG Wealth Management explains:

Understanding Your Options

When leaving your job, you usually have four options for your retirement plan. You can leave the money in the plan, roll it into your new employer’s plan, put it into an IRA, or withdraw the money. As an expert in Reston wealth management and serving all of Northern Virginia and Washington, DC, we recommend reviewing your options with a financial advisor. For example, staying with your current plan may make sense if the plan has great fund choices and low administrative costs. If not, roll it into your new employer’s plan. If neither plans offer great options, move your funds into a rollover IRA. Do not move the money to cash unless absolutely necessary because you will most likely incur unnecessary taxes and potentially pay penalties.

Rolling Over Your 401(K)

If you decide to roll over your 401(k), open an IRA, and then contact the company that runs your old plan. Ask them to transfer your 401(k) distributions directly into your IRA. Typically, you need to provide your contact information, along with the account and routing numbers for the account where the money will be sent. You will also select the type of distribution you prefer. As the leading financial advisor in Washington, DC , we suggest opting for a direct rollover if you can.

Avoiding Rollover Pitfalls

Do not wait too long to roll over your account, as this can lead to taxes and penalties. In addition, never make rash investments; diversify your portfolio instead. Do not forget about the big picture; look at all your retirement accounts to determine if they meet your financial goals. Lastly, hire a specialist in financial planning in Washington, DC and Northern Virginia, like us to help you manage your accounts.

We can help you roll over your 401(k) plan and assist you in reaching your financial goals. AOG Wealth Management provides personalized investment solutions that we base on your personal objectives, circumstances, and goals. We offer small business services, asset management services, wealth management services, and financial planning. Call us at (866) 993-0203 to learn more about rolling over your 401(k) plan. You can also schedule a complimentary consultation.

Investing in Bonds

Sun, 21 Aug 2016 01:10:00 GMT

A bond is a debt security that allows you to loan money in exchange for a specified rate of interest during the life of the bond. According to some investors, bonds are safe components of any portfolio because they provide stability and certainty that stocks cannot offer.

Types of Bonds

There are two different types of bonds that you can invest in:

Reasons to Invest in Bonds

Including bonds in your asset management plan in Washington, DC , is an ideal way to preserve capital and earn a predictable return. Bonds have less volatility because the prices fluctuate less when compared with stock prices. They can also offer guaranteed returns on investment, depending on how you invested.

Knowing that you have stable returns makes it easier to plan for your future expenses and/or savings. Keep in mind that bonds will pay you a certain amount per year, so you can set your targets according to your estimated return on investment.

You can also potentially profit from bonds in two ways: interest and capital gains. Aside from collecting interest from bonds, you can also profit by selling them at a higher price compared with the original market value.

Let AOG Wealth Management help you invest in any type of bonds. As the leading advisor in providing asset management in Great Falls, VA and investment management services as well, we can find a solution that will meet your needs. We distinguish ourselves by using a durable income model that incorporates bonds, stocks, commercial real estate, and more.

To learn more about bond investing, call us today at (866) 993-0203. You can also schedule a free consultation when you fill out our contact form .

Bond purchasers have committed to receiving a fixed rate of return for a fixed period and assume a number of risks including reinvestment risk, inflation risk, market risk and timing risk. The balance between risk and return varies by the type of investment, the entity that issues it, the state of the economy and the cycle of the securities markets.

Farewell to our 2016 AOG Summer Interns

Wed, 03 Aug 2016 01:10:00 GMT

Pictured above is most of your AOG Wealth Management team with our two fantastic interns! We had the joy of working with Preston Worthley and Erin Long this summer as part of AOG’s summer internship program. Over the past 12 weeks, Preston and Erin worked with both our analyst team, to develop additional due diligence processes and perform investment analysis, as well as our client service team to assist with projects that will continuously improve the way in which we serve our clients.

Sadly, their last day with our team was this past Friday, July 29. Erin will be starting her senior year at The George Washington University where she is pursuing a Bachelor’s Degree of Business Administration with a major in Finance & International Business. Preston graduated from The University of Virginia this past May with a Bachelor’s Degree in Economics and will begin a full-time position with a bank in Charlottesville, focusing on corporate lending.

Each year, we meet with and interview candidates for our summer internship programs. If you know of a college student or recent grad who is interested in pursuing a career in financial services, feel free to connect them with us.

4 Great Reasons to Create an Estate Plan Today

Sat, 30 Jul 2016 01:10:00 GMT

Many people think that making an estate plan is the exclusive responsibility of the wealthy. The fact is, it doesn’t matter how much money you have; you need to plan, especially for the inevitable.

AOG Wealth Management discuss four reasons estate planning for Washington, DC and Northern Virginia area families can be beneficial to not just your heirs, but to you as well:

1. Prevent Your Assets from Going to Unintended Beneficiaries

Without a plan in place, how will you be able to choose who receives your assets and how to best divide your assets? Without an estate plan, the government will decide how to distribute your assets; a process that can take years and can potentially cause stress among your family.

2. Prepare for the Unexpected

What happens if you become unable to handle or manage your own affairs? Without an estate plan, a Probate Judge, after a public hearing, will appoint a guardian and conservator to make financial and medical decisions on your behalf. Wouldn’t you feel better knowing that your affairs are in the hands of a trusted relative, friend, or attorney?

3. Reducing Estate Taxes for Your Beneficiaries

With proper planning, you can lower or even eliminate your heirs’ federal and state estate taxes. As financial experts with experience in tax planning for Washington, DC and Northern Virginia area families , we can work with you to transfer assets to your heirs with a focus on the tax implications.

4. Avoiding Probate

Without a plan, your estate may be subject to delays and huge fees, while your assets become a matter of public record. Planning, however, can let you structure your affairs in a way that avoids probate entirely.

Let the Great Falls, McLean and all of Northern Virginia financial planning experts work with you today to set up your estate plan. We operate in a boutique setting so it’s easy to find solutions to every unique financial concern that you may have. The AOG team is committed to being with you every step of the way because you deserve the road less traveled.

Call us now at (866) 993-0203 or fill out our contact form to book your complimentary consultation.

4 Reasons to Invest in Stocks

Sat, 23 Jul 2016 01:10:00 GMT

The best time to plant a tree was 20 years ago; the second best time is now. This maxim also applies to investing in the stock market. The benefits of investing in them have not changed; rather what needs to change is your perception of the stock market and its associated risks.

Let AOG Wealth Management, your trusted financial advisor in Washington, DC , list four compelling reasons to consider it today:

1. Keep Pace With Inflationary Trends

If your money is just there cooling in a bank vault, its purchasing power will most likely drop over the years because of inflation. It will accumulate interest, but it will be at a much slower rate than today’s inflationary trends. Investing in stocks can be a great way to keep up with its pace and preserve the power of your money.

2. Great Returns

Investing in stocks can get you huge returns that are otherwise too difficult to obtain from any other source of investment. You can get your returns in two ways: capital gains from the stock’s price rise and dividends, which the companies may distribute to shareholders at the end of a rewarding year.

3. Wide Range of Options

As a rule, the more potentially profitable an investment is, the higher its risk will be. That is why many individual investors opt to mix distinct classes of assets to in a bid to lower risk. As the Reston wealth management specialist, we can advise you on the right mix of investments that will satisfy your financial goals and risk tolerance.

4. Financial Flexibility

Stocks are liquid assets that you can buy or sell them anytime during the trading day, unlike other investments such as real estate. This flexible structure gives you full control over your investment and can serve as a great buffer in times of financial emergencies.

As they say, “Money isn’t everything, but happiness alone won’t keep out the rain.” Let the expert in financial planning in Washington, DC , work with you to achieve your investment goals today. We work with a unique model that includes stocks, bonds, private equity, managed futures, and cash equivalents.

Call us now at (866) 993-0203 or fill out our contact form for a complimentary consultation to discuss your financial goals and the best approach to help you get there.

An Overview of Our Asset Management Services

Wed, 20 Jul 2016 01:10:00 GMT

AOG Wealth Management can provide clients with support for their financial resources, so they can continue to accumulate and safeguard their assets. Our advisory team is composed of industry experts that can provide sound financial guidance, even in volatile market conditions. We provide customized solutions based on your personal objectives, circumstances, and goals.

What is Asset Management?

Asset management is the management of client’s investment by a financial services company like us. It is a systematic process of operating, deploying, upgrading, maintaining, and disposing of assets in a cost-effective way. As an expert in asset management in Washington, DC , we provide several asset management offerings. These include college savings plans, retirement funds, oil and gas investments, unit investment trusts, and separately managed accounts.

Why Work with AOG Wealth Management?

We have a long history of helping our clients protect and grow their assets even in a volatile and turbulent economy. We also understand that each client has specific needs, evolving financial goals, and unique circumstances. As a specialist in investment management in Washington, DC , we provide sophisticated solutions based on individual situations. Our investment strategy starts with forming a good relationship with our clients and determining the best way to meet their objectives.

We will first meet with you and work with your during an interview and data gathering session. We will compile information about you, your financial concerns, and your financial objectives and goals. This due diligence, data gathering, and analysis process typically lasts for two or three meetings. We will use this date to provide you with your requested McLean asset management services that we will customize to your financial situation.

We provide personal and highly responsive service to each of our clients. We will constantly monitor your investments and customize your portfolios based on your profile. We have the tools, techniques, and the right people to get you on the path to reach your financial goals. Call us at (866) 993-0203 to learn more about our asset management program. You can also call us for a complimentary consultation.

AOG celebrates the 4th of July in Great Falls

Wed, 06 Jul 2016 01:10:00 GMT

The AOG Wealth Management team had a grand time this 4 ^th of July participating in the Hometown Parade in Great Falls, Virginia. With our patriotic re-enactment of the United States Marine Corps War Memorial (Iwo Jima Memorial), our float was honored with the trophy for the Best Business Float from the Celebrate Great Falls Foundation .

Thanks to our Memorial reenactors Fred, Sheila, Scott, Michelle, Sabra, & Austin. Thanks to our float driver, Jim. And special thanks to our patriotic float wavers & treat throwers, Susan, Pearson, Shelby, Anderson, Emerson, Mike, Dylan, and Maverick.

4 Ways to Reduce Financial Stress

Sat, 18 Jun 2016 01:10:00 GMT

Most of us never talk about our financial worries, but this keep-mum attitude isn’t actually doing us any favors. According to the annual “Stress in America: Paying with Our Health” study, the American Psychological Association found that almost 72% of adults report stress over money at least some of the time. Twenty two percent of them, on the other hand, measure their stress level as extreme.

This leaves you open to a variety of risks both physical and psychological. Sleep issues, weight gain, depression, and increased blood pressure are just some of them. To help you get over the stress and gain some measure of control over your finances, turn to AOG Wealth Management, your trusted financial advisor in Washington, DC . Here are some helpful ways to loosen the hold of financial stress upon you:

Financial concerns will be the least of your worries when you turn to the experts for financial planning in Washington, DC , AOG Wealth Management. With our institutional-quality investment management services, we’ll help you break ground on financial freedom and stability.

Fill out our form today for a complimentary financial consultation.

Before You Invest, Be Sure to Consider These Five Factors

Sat, 18 Jun 2016 01:10:00 GMT

A well thought out and executed investment is one of the best ways to achieve financial success. While you don’t necessarily have to be an expert to start investing, you will need to acquaint yourself with some of the basics before taking the plunge.

AOG Wealth Management, the experts in investment management in Washington, DC , shares five key factors for your consideration:

1. Current Finances

Are your finances strong enough to handle your foray into the investment market? It wouldn’t make any sense to invest money when you are neck deep in debt or you have no substantial savings to cover emergencies.

2. Investment Purpose

Know exactly what you are investing for so you can have a clear idea of how to apportion your money and the expected timeframe. For instance, stocks usually require a long term investment before you can expect significant returns, so if you’re looking for a quick payout, you might want to consider other options.

3. Risk Assessment

All investments involve some degree of risk so be sure you understand what you are getting into and that it is well within your comfort zone. As the McLean asset management specialists, we can help you assess the risks associated with your chosen investment path.

4. Diversification

To minimize the risks of losing heavily in a volatile market, consider investing in more than one asset category. This way, if the returns for one category falls, you can use the fairer returns to offset any losses incurred.

5. Dollar Cost Averaging

This is an investment strategy that protects you from the risks of investing all your money at the wrong time. Rather than add money to your investment erratically, you can follow a consistent pattern over a prolonged period. Through this approach, you will be able to buy more of an investment when its price is low and less of it when the price is high.

Let the experts in investment planning and asset management in Washington, DC , work with you through each step of the investment process. We are dedicated to helping you reach your financial goals.

Give us a call today at 1-877-600-3573 or fill out or request form to get started with a complimentary consultation.

Safeguard Your Assets: The Importance of Estate Planning

Sat, 18 Jun 2016 01:10:00 GMT

Effective planning is essential to achieving your financial goals, as managing personal finances today is more complicated than ever. AOG Wealth Management is committed to serving our clients and improving their financial literacy. Let us talk to you about estate planning, and explain why having an up-to-date estate plan is significant.

Financial Literacy is Important

Studies have shown that over half the adult population, approximately 120 million people, does not have and up-to-date estate plan to safeguard their families and themselves. People are living longer, but saving proportionally less because the high cost of health care, education, and taxes drain their money. That is why financial literacy is important. As an expert in estate planning in Washington DC , we advise clients to create an estate plan to make sure their assets go to the right place.

The Need for Estate Planning

This is important because we have entered the greatest wealth transfer in history. A report by John J. Havens and Paul G. Schervish from the Center on Wealth and Philanthropy, Boston College, shows that an estimated 59 trillion dollars will be transferred from 116 million households from 2007 to 2061. Without financial and estate planning, a significant amount of these assets may go to waste. We recommend going for our McLean financial planning and estate planning to avoid this.

The Ways We Can Help

We can make sure that your assets go to the people and organizations you care about. AOG Wealth Management can provide you with better financial management tools and information. We can also help you make better informed everyday financial decisions. As a specialist in estate and tax planning in Washington DC , we can help you ensure that your wishes are carried out and reduce the costs involved in distributing your wealth.

Proper estate planning will bring you closer to your financial goals. This will make sure that your wealth will go to the right persons or organizations and be used as you intended. We provide highly responsive and personalized service for our clients. Some of the services we provide include investment planning, home mortgage assistance, tax efficient strategies, and innovative stock and bond selection. Call us at (866) 993-0203 to learn more about estate planning or about our other services.

4 Simple Ways to Realize Your Financial Goals

Sat, 18 Jun 2016 01:10:00 GMT

You should never underestimate the importance of setting financial goals. Your dream of buying a car or building a new home for your family would never turn into a reality without working towards achieving them. Goals add meat to your plans, and as long they are attainable and measurable, they wouldn’t be too hard to reach. This is because they boost your focus on your saving and investment efforts. In addition, the visible progress they present can be a great motivation for you.

As a trusted company for wealth management in Washington, DC , AOG Wealth Management understands the important of setting and realizing your financial goals. To achieve your goals, you don’t have to do much more than follow these four simple tips:

These tips can help guide you towards any financial goal you can imagine. Combine these with passion and commitment and you’ll soon enjoy the fruits of your endeavors. Consult AOG Wealth Management today by calling us at (866) 993-0203 or by filling our out contact form .

Jill’s House Gala

Sat, 11 Jun 2016 01:10:00 GMT

On May 14th, Sheila and I attended the annual Jill’s House Gala, which raised more than $650k to provide respite care for families of children with severe mental disabilities. Sheila and I both volunteer with the ministry and provide financial support. Having had a brother with Downs Syndrome, and a mom that was essentially a single parent when my dad was deployed twice to Vietnam, I appreciate and honor the mission of Jill’s House. It is very challenging work, but Jill’s House brings medical professionals and dedicated volunteers together to provide this life-changing service in a fun, resort style setting for children. For more information, go to www.jillshouse.org .

The evening featured some outstanding entertainment. Lexi Walker is only 14 years old, but has a mature operatic quality voice, and since she just signed with Sony Records, we expect to hear much more from her. She was joined by GENTRI, which is a male trio that met while performing in Les Miserables on Broadway. Both performances were accompanied by the orchestra from McLean Bible Church. We truly enjoyed a memorable evening supporting a cause dear to our hearts.

Congratulations New Partners!

Tue, 07 Jun 2016 01:10:00 GMT

AOG Wealth Management is pleased to announce the addition of three new partners. This week Jim Ortlip, CFP® Michelle Whitlock, CFP® and Scott Sweat, CFP® all became equity partners in our firm. This is a step that Sheila and I have discussed since we attended our first practice management program in 2002, and we are thrilled to have begun the process of expanding the ownership of AOG with three esteemed colleagues and close personal friends.

This process gives additional responsibilities to Jim, Michelle and Scott, and further encourages them to help AOG improve our client services and enhance our general client experience. We hope it also gives clients confidence in both our short and long-term standing as a company. We are delighted to be taking this important step both as a company and personally. Please make sure to congratulate Jim, Michelle and Scott at your next opportunity.

Left to right: Scott Sweat, Sheila Baerenz, Fred Baerenz, Michelle Whitlock, Jim Ortlip

Congratulations Austin Ortlip!

Sat, 04 Jun 2016 01:10:00 GMT

Congratulations to a member of our extended AOG family, Austin Ortlip. Jim Ortlip’s eldest son, Austin, graduated this past week with a Bachelor of Science from Salisbury University in Salisbury, Maryland, having majored in Exercise Science. He will be continuing his studies at Salisbury University in the Master’s Program for Applied Health Physiology, where he will also be working as a Graduate Assistant.

Len, Austin, and Jim Ortlip

Seeing Opportunities in Today’s Market

Thu, 26 May 2016 01:10:00 GMT

Last January, many were alarmed when the Dow Jones average dropped by 500 points. They looked for fundamental reasons for this drop in the market, such as the China slowdown, the falling price of oil, and the Fed rate hike. AOG Wealth Management provides a closer look at these recent market influencers.

China’s Booming Market

China is the world’s second largest economy. Many tax planning Washington, DC area advisors would point out that so was Japan until 1989, when the Japanese market collapsed and markets in other countries grew. This should also be true for China today; even if the Chinese market had dropped further, the U.S. market still would not have entered into a recession in 2015.

Oil Price Volatility

As for oil, the current situation is not as bad as that in the early 1980s. In 2007, four of the biggest banks in the U.S. had 7.5% tier one capital. Today, we’re at 12.6% tier one capital, which is a far better figure compared with previous years.

Federal Rate Hike

For the Federal rate hike, most banks did not use the money or bonds bought by the Federal Reserve. Some investors believe that the high rise in stocks was not caused by the Federal loans because the banks never lent the money. In fact, money has grown about 6% in the past year, so there’s no sign of Federal Reserve tightening.

The market has had its own highs and lows since then, but expert McLean financial planning advisors see this as an opportunity. Although the country has experienced far greater declines in the past several years, we’ve always seen the market bounce back. Earnings continue to be strong and steady.

AOG Wealth Management can help you sort through market influencers and make investment decisions that are suitable for your wealth and asset management needs. With our years of experience and team of expert financial advisors, we can provide customized investment solutions based on your goals and circumstances. We specialize in asset management, investment planning, and tax planning in Washington, DC Northern Virginia, and nearby areas.

If you want to learn more about the country’s current market state and the next step to take, call us today at (866) 993-0203. We look forward to hearing from you.

Proper Mindset: Three Principles For Achieving Your Financial Goals – Part III: The Importance of Vision, or, Keeping The Goal In Sight

Thu, 19 May 2016 01:10:00 GMT

The Book of Five Rings, written by master Japanese swordsman Miyamoto Musashi in the 1600s, has long been used by the Japanese as a reference book for succeeding in business, in addition to its value as a textbook for warfare and personal combat. In one of the passages of his “Book of Water,” he states that if, during the fight, you limit yourself to thinking only of how to parry, hit, catch, strike, or block the enemy’s sword, then you’re never going to win the duel. If you want to win, it’s important to keep the ultimate goal in mind.

This principle is just as applicable to attaining your financial goals as it is to winning fights. If you get lost in the little details, then you may end up getting distracted from your ultimate goal of attaining financial success. While you work out, and work on, the steps you need to take on your way to gaining your financial goals, it’s important to keep those goals in mind.

Vision, however, is not just about seeing where you want to be. You also need to be able to actually see yourself there, where you want to be when your goals are all met. In harnessing the experience you’ve gained from working on your goals, and scaling your work to the impact you want to attain, you need to gain the self-confidence, and appreciation for your own self-worth, that will allow you to put yourself there, at the goal you’ve been striving towards.

As part of determining the impact that you want, you’ve already determined that the goal you’ve set for yourself is achievable. Because it is achievable, it’s important to remember that it can be done. Without that vision of you, there, at the end, goal accomplished, you will never be able to motivate yourself to do the small things that, day in and day out, are what will ultimately help you toward the attainment of your financial goals .

Tax-Efficient Withdrawal Strategies in Retirement

Thu, 19 May 2016 01:10:00 GMT

It is essential to have enough money for your retirement years, but keep in mind that taxes can have an impact on your retirement savings. To help you make the right decision, AOG Wealth Management recommends developing a withdrawal strategy. This way, you can minimize the effects of taxes on your investments.

Here are some tax-efficient strategies to consider:

Follow the Basic Retirement Withdrawal Sequence

For investment management in Washington, DC and Northern Virginia, you can have different retirement accounts, which are deferred or exempted from tax. The traditional IRA, for example, are contributions that are taxed when distributed. The Roth IRA, on the other hand, is a special account where you pay taxes on deposits and all future withdrawals are then tax-free. If you are 70 years old or above, you are entitled to minimum required distributions (MRDs). These are mandatory minimum yearly withdrawals you must make once you turn 70.

When taking assets from your accounts, you can follow this withdrawal sequence: MRDs first, then taxable accounts, tax-deferred accounts, and tax-exempt accounts.

Avoid Withdrawals That Bump You to Higher Tax Brackets

Proper asset management in Washington, DC and Northern Virginia, involves taking simultaneous withdrawals from taxable, tax-deferred, and ROTH accounts. This allows you to understand the effect of your withdrawals on the tax rate, avoiding higher tax brackets.

Here are some steps to take when managing taxable income:

Limit Your Taxation on Social Security Benefits

The government considers up to 85% of your Social Security benefits as taxable. If you actively manage your distribution strategy properly, your Social Security benefits will have a smaller percentage taxable amount.

Make the Most of Lower Capital Gain Rates

Every year, the IRS adjusts the tax provisions for inflation, so your tax bracket may increase or decrease. If your taxable income does fall on one of the two lowest brackets, the selling stocks that you have held longer than a year have a higher chance of generating cash flow tax-efficiently.

These strategies can help you manage your savings and deal with taxes at the same time. If you need more financial advice from the professionals, AOG Wealth Management is here to help. We offer asset management , wealth management, and financial planning services in Great Falls and the surrounding Metro DC and Northern Virginia area. We will help you make informed financial decisions to increase and safeguard your wealth.

To learn more financial tips, you can call us at (866) 993-0203.

Bull Market Continues to Climb “Wall of Worry”

Sun, 15 May 2016 01:10:00 GMT

Move over Bull Market of 1949 to 1956. There is a new bull market claiming second place (March 9, 2009 thru last Friday). Both of these runs trail the champ, which depending on variances in the definition ran from either 1987 or 1991 until 2000.

The current run has an asterisk attached, since the market must gain about 3% by May 15, 2016 (the previous high from a year ago) in order to keep its status. If the current bull market fails to reach that new high, the status will be retroactively adjusted, much like an athlete that has a championship stripped retroactively after a disqualification due to allegations of drug or money related improprieties.

The “wall of worry” metaphor was either coined in the 1930s or 1950s. It is said that bull markets climb a “wall of worry” because along the way, there are almost always reasonable doubts that the trend can continue. Bad news at home or abroad, economic fluctuations, political instability, monetary policy and solar flares are just a sample of topics that spur concern. The longer a bull market run continues the more shrill the predictions of the end become.

We believe that Modern Portfolio Theory as further evolved by the Modified Endowment Model is the best cure for bull market/bear market anxiety. Having investments in seven or eight assets classes that have low correlation to one another, and that are systematically rebalanced is the best cure. Having a portfolio with sustainable and significant income provides “dry powder” so that it is not always necessary to sell something in order to buy good assets that temporarily trade down.

So, congratulations (perhaps) to the new second longest-running bull market. We wish you well, but are prepared for your exit.

Proper Mindset: Three Principles For Achieving Your Financial Goals – Part II: Impact: Scaling Your Path to Achieving Your Financial Goals

Thu, 12 May 2016 01:10:00 GMT

Think small, and your achievements will be small. If you want to achieve financial success, , you need to visualize what it is you want…no matter how big or small. And a very important part of visualization is to do it with your spouse to confirm you both are working toward the same financial goals.

In planning your financial path, it’s important to set achievable goals, but that doesn’t mean that you should limit yourself to small, easy goals. If you want something bigger, include it in your plan. Things can change on your way to achieving your financial goals – your job, career, salary, etc. – so the first step is to identify it as something you want to works towards.

You will never gain the experience necessary to achieve goals small and large if you don’t at least target them and learn what is that may or may not be achievable. While you may not achieve some of your financial goals, that’s ok. It’s the precious experiences you gain – and accumulate –along the way that will ultimately allow you to attain your more of your financial goals along the way Plus, goals have a tendency to change. You’ll add some new goals. You’ll drop some of your original goals.

Thinking big isn’t about overreaching; rather, it’s about charting a path, believing in yourself, and believing in your ability to overcome the obstacles in your way. A big part of your ability to succeed at something lies in what you believe yourself capable of achieving. If you don’t see yourself as being able to do what it takes to reach a particular higher, larger goal, then you’re going to end up settling for something smaller.

Experience and impact, ultimately, lead us to the last principle of success, vision , which affects your ability to get where you want to go. More in Part Three.

3 Ways to Avoid Running Out of Money When You Retire

Thu, 12 May 2016 01:10:00 GMT

One of the most common concerns about retirement is running out of money when you should be relishing your golden years. The harsh reality is that even if you have saved responsibly your entire life, it still doesn’t guarantee an enjoyable retirement. There are certain things, such as unplanned medical expenses and fiscal downturns that could end up becoming financial drains on your nest egg.

With this in mind, AOG Wealth Management, your experienced financial advisor in Washington, DC and Northern Virginia, shares three ways that can help provide that much needed buffer during your retirement:

1. Prepare for Inflationary Trends

In the last 30 years, average prices have doubled, and there is no indication that the trend will end anytime soon. As such, you need to consider how far the value of your savings may drop in the coming years. Over all, consumers have seen price increases of about 3% each year. Use this figure to guide your saving habits and strive to save more than you normally would.

2. Maintain Your Stock Investments

Your invested stocks can provide a cushion to ease the bite of inflation. According to a Wells Fargo report, the potential return from your stocks is more likely to outpace inflation when compared to the long-term returns from bonds or cash. That said, you should consider investing more in stocks even in retirement. In fact, some experts recommend having up to 40% of your portfolio in stocks during retirement. As top providers of financial planning in Washington, DC and Northern Virginia, we can offer you sound advice and guidance.

3. Don’t Be in a Hurry to Collect Social Security

Social security is your go-to defense against running out of money since the payments continue for the rest of your life. Nevertheless, if you delay taking this payout for a few years, your monthly check could be nearly twice as much. This is because you can get up to an 8% increase for every year that you delay.

Let your Great Falls wealth management experts work with you today to help create a solid financial plan for your retirement. Our asset management services are unique to each individual based on personal goals and prevalent conditions.

Schedule a no-obligation complimentary consultation with us today to know more about our services, and how they can benefit you. Simply fill out our form or call us at 1-877-600-3573 to get started.

Proper Mindset: Three Principles For Achieving Your Financial Goals – Part I: Experience, or, The Hard Work of Trying and Stumbling Once in a While

Thu, 05 May 2016 01:10:00 GMT

Author Robert Heinlein once wrote that “…a thousand reasoned opinions are never equal to one case of diving in and finding out…” The importance of personal experience, as opposed to the advice and help other people can offer based on their own specific experiences, can be a crucial factor in determining whether or not you will achieve your financial goals, whether your particular goal is financial independence, or something else entirely.

It’s not just the end result of having the experience that is important, however, nor the specific steps that you took to get there. It’s actually having worked at it, having done the work, that is one of the most important things, if not the most important thing altogether.

As you work at gaining your goal of financial success, all the little things that you do slowly add up, so that in the end, you will have gained mental habits that allow you to make better financial decisions. In other words, all the work that you’ve done along the way has also slowly added up, giving you the wherewithal to make better decisions as you get closer to retirement.

Take Warren Buffet, for example. This self-made entrepreneur recently made the number three spot on Forbes magazine’s list of billionaires, with an estimated net worth of $44 billion. Most people reading that sentence sort of gloss over the entire “self-made” part, and the only thing that sticks in their minds is the “$44 billion”. What they don’t realize is just what that “self-made” part entailed: Buffet started out by investing in the stock market at the age of 11, all the while working a paper route.

While it certainly helps to be able to draw from others’ experiences, it’s the personal facet of experience that is really important. Just knowing what it’s going to take to succeed is not enough. Rather, it’s knowing what to do, and then actually getting out there and doing it that’s going to make a difference in whether or not you succeed in your financial goals .

Moreover, it’s not just the effort you put in that’s important, the very scale of that effort is important, too. More on this in Part Two.

3 Essential Things You Need to Know About Your 401(K) Plan

Thu, 05 May 2016 01:10:00 GMT

A 401(k) plan can be an excellent financial vehicle that helps you save for retirement. You get to enjoy a host of benefits in the process, such as matching contributions from your employer, the ability to invest pre-tax dollars (which cuts down your taxable income), and earnings that accrue on a tax-deferred basis.

Nevertheless, there are certain things that you may not know, but will be of great help in making the best use of your plan and avoiding costly mistakes. AOG Wealth Management, your experienced wealth management advisor serving Washington, DC and Northern Virginia, shares three essentials:

1. You Can Make a Much Higher Contribution

Many employees contribute just enough to their 401(k) to benefit from their employer’s matching contributions. While this is often a great starting point, you can and should contribute more. It’s easy to get stuck on the average 3.1% auto-enrolled rate, but many employers can make matching contributions of up to 6% of your base salary.

As such, you can double your money simply by participating in a higher payment plan. This small increase in your savings rate can also go a long way to reducing your tax burden for the current year.

2. Borrowing from Your 401(K) is Generally a Bad Idea

Most 401(k) plans allow you to borrow up to 50% of your vested balance. In addition, it is readily available and doesn’t require a credit check, unlike other loans. However, you have to repay this loan with interest, which is the prime rate plus 1%, within five years. If you default or leave your workplace without paying back the full amount, the outstanding amount will become taxable and be subject to a 10% penalty.

As the experts in investment management in Ashburn, VA , we can provide you with other suitable options to help you meet your financial goals.

3. Your 401(K) Plan Can Come with Attached Fees

Most people simply aren’t aware of these fees, because they don’t see them. These fees vary widely, but the actual amount usually depends on the negotiating muscle of the company. Keep this in mind as your expected balance may vary.

Contact us for professional wealth management in Washington, DC and Northern Virginia today. We offer unique solutions based on your personal goals, circumstances, and objectives.

Call us at 1-877-600-3573 or fill out our request form for a complimentary consultation. We look forward to working with you to attain your financial freedom.

Spring Cleaning

Thu, 05 May 2016 01:10:00 GMT

Congratulations! You did it! The first 2015 tax filing deadline is behind us!

As you reflected on your 2015 overall financial picture, I’m sure that the statements, documents, and paperwork began to stack up. In looking ahead and as you begin to plan those “spring cleaning” and gardening projects around the house, don’t forget to sort through your financial documents as well!

We’ve taken a few moments to suggest our top 3 items for you to consider:

Examples of information to include in this folder:

Your client service team here at AOG Wealth Management would be happy to assist you in any way we can. Please give us a call if you have any questions!

Happy Cleaning!

Written by Lydia Gosselin and Michelle Miller

4 Reasons to Invest In the Stock Market

Sat, 23 Apr 2016 01:10:00 GMT

When you’re young, saving for retirement may not be an immediate concern. However, time is one of the best tools when saving for retirement. Investing in the stock market can be an appropriate place to invest your money when getting started with your retirement planning. With your money invested in the Stock Market, your money can work for you while you work for your paycheck.

Stocks are just one of many possible ways to invest your money. In spite of its fluctuations, the benefits of investing in the Stock Market. If you are anxious about investing in the stock market, AOG Wealth Management, the McLean and Great Falls financial planning specialists, list four compelling reasons to invest in the Stock Market:

1. Stocks Can Offer the Highest Potential Returns

Historically, investing in the stock market has returned better returns than other investments. In the U.S., stocks have steadily earned more than bonds over the long term, even with the regular ups and downs in the market.

2. Financial Swings of the Stock Market are Easier to Endure the Longer Your Investment Time Horizon

Stocks taking a plunge make for scary headlines. But if you investing for the long-term, the ups and downs do not affect you if you do not need the invested money for 10, 20, 30, or more years down the road. As such, try not to let short-term volatility dissuade you from investing in stocks.

3. You Can Manage Inflation Risks Better

Not investing can be a risk in itself. This is because the long-term threat of inflation can erode your savings and purchasing power in the future. To mitigate this risk, you need to seek investments that can outpace inflation. As the experts in wealth management and estate planning in Washington, DC and Northern Virginia, we offer a diversified mix of investments to provide you with a stronger buffer against inflationary trends.

4. Stocks Have No Lock In Periods

Unlike some investment products, you are not locked into the investment. That means you can hold the stocks for as long as you want, or sell right after buying. This flexibility puts you firmly in charge of your investment.

Let us help you plan your financial goals today. In addition to asset management, you can count on us to see you through your trust, investment, and tax planning in Washington, DC and the Northern Virginia area. We will work with you to deliver the right approach to growing your money.

Call us at 1-877-600-3573 or fill out our request form to get started.

REIT & BDC Valuation Update (FINRA 15-02)

Sat, 16 Apr 2016 01:10:00 GMT

In an attempt to facilitate greater investment transparency, the Securities and Exchange Commission (SEC) approved changes for how Real Estate Investment Trusts (REITs) and Business Development Companies (BDCs) determine their share value and communicate these values on client statements. Beginning April 11, 2016 FINRA (Financial Industry Regulatory Authority) Rule 15-02 will go into effect and will be reflected on client statements going forward.

Prior to April 11, 2016, client statements have reflected the gross price paid per share and did not account for initial offering expenses. The new rule requires the share price reflect a deduction of all estimated offering expenses associated with raising capital to show a net asset value (Net Investment Method). The Net Investment Method value will be the official statement value until the investment company engages an independent third party to determine a new estimated per share value based on the actual value of the assets in the portfolio (Appraised Value Method). The Appraised Value Method will be implemented, and reflected on client statements, no later than 150 days after the second anniversary of the investment companies closing of escrow.

REIT and BDC investments are an investment structure that has existed for many years and has enabled investors to pool their capital with other investors so that professional managers may invest on their behalf. The new reporting requirement does not affect company strategy or portfolio holdings. It only impacts how investment values are reported on statements (Net Investment Method) until an estimated market value or net asset valuation (Appraised Value Method) is established.

We believe this change is another step in continuing to improve the quality of direct investments in real estate, energy, private equity, equipment leasing and business development companies enabling us to provide the best investment options to our clients. We look forward to working with the investment sponsor companies in implementing FINRA Rule 15-02 for our clients.

2016 MARCH MADNESS Results

Thu, 14 Apr 2016 01:10:00 GMT

The excitement I am referring to was our fifth annual AOG March Madness Bracket Challenge. This challenge was open to AOG staff, clients, and friends. This was the first year the Bracket Challenge actually required us to break out the tie breaker rules as we had a photo finish between our very own Michelle Miller and another participant, Wayne A. They tied on the total points won during the challenge. The tiebreaker is “The player with the closest prediction for the total points scored by both teams in the national championship game wins.”

The total points scored in the championship game were 151. Michelle M.’s total points predicted were 167 and Wayne A’s were 174, making the winner Michelle Miller. Please join us in congratulating Michelle on her well-earned victory.

Thank you to those that participated, and to all but Michelle…….better luck next year.

AOG Wealth Management: Your Partner for Financial Planning

Sat, 09 Apr 2016 01:10:00 GMT

Everyone aims to be financially successful. Starting early is one of the best things you can do to help you reach your financial goals. If you need help making financial decisions, you can count on AOG Wealth Management to see you through the financial ups and downs of your life and business.

Why Work With Us

As an experienced financial advisor in Washington, DC and Northern Virginia, we specialize in asset management and small business services. We are committed to helping you reach your financial goals and work with you every step of the way.

We maintain the highest personal service. We also complete rigorous, on-site due diligence on all our prospective investments. We make sure to use the highest rated offerings available.

Another reason to work with us is that we use a durable investment model. We monitor investments actively to customize your own portfolio. We base our solutions on your specific needs, goals, and circumstances. Our investment model includes the following:

• Stocks

• Bonds and bond alternatives

• Energy/drilling

• Commercial real estate

• Managed futures

• Equipment leasing

• Cash equivalents

• Private equity/debt

We also use a four-pillar approach that combines investment strategies, tax efficiency expertise, risk management, and legal/estate planning. We have highly responsive client services for all your wealth management needs.

What We Do

People and business owners alike trust us for their asset and wealth management as well as financial planning in Washington, DC and Northern Virginia. For small businesses, we can help in cash balance pension plans, standard 401K, and profit sharing 401K. We can also guide investors to make the right decisions in this volatile market. We offer the following asset management services:

• Retirement funds

• 1031 exchange assistance

• Tax efficient strategies

• Innovative stock and bond selection

• College savings plan

As for Reston wealth management , we have experience handling trust, investment, and estate planning. We can also aid in tax preparation and home mortgage assistance.

As a team of Certified Financial Planners, we can find the right solution for any type of financial situation. Call us today at (866) 993-0203 to learn more about our services. You can also reach us through our contact form .

Top 11 Tips to Build Wealth before You Retire

Sat, 02 Apr 2016 01:10:00 GMT

Building your wealth as early as possible is a good way to prepare for your life after you retire. To succeed financially, you need to understand the basic principles and complete the necessary actions to maintain your goals. If you want to build wealth for retirement, here are some tips from AOG Wealth Management:

1. Plan – Keep in mind that financial success is a choice. Wealth management advisors in Washington, DC recommend a written plan. Once you write your plan down on paper, it tends to be more tangible.

2. Educate yourself – You need to learn before you can earn. With education, you can better understand investment opportunities and avoid poor investment products.

3. Align your lifestyle needs – Saving is the cornerstone of any financial plan. You should control your spending to create capital for other more important activities.

4. Act now – Why wait for another six years to start saving when you can start now? Everyone has to start sometime, and if you act now, you can be that much closer to your retirement saving goals.

5. Be responsible – You are responsible for what happens with your savings. You should be disciplined when it comes to your spending and investing habits.

6. Commit – Your plan for wealth management in Washington, DC should be consistent with time, money, and energy. You need to commit these resources to reach your goal.

7. Use common sense – Valuation matters when it comes to wealth building. Make sure you invest in services that add to your savings rather than spend money all at once.

8. Have a risk management strategy – One of your main goals is to grow your assets before inflation erodes them.

9. Make money inaccessible – Your savings should be far from your reach so you can let it grow until you are financially free. When it comes to retirement planning, it is about how much money you accrue.

10. Do basic estate planning – Estate planning is more than just dividing assets. This affects your life and your loved ones as well. Make sure you seek legal help for your decisions as the decisions can be complicated and have tax implications.

11. Invest in health and relationships – Money is not everything. Remember…you need to be healthy and have lasting relationships to enjoy the wealth that you have built.

With these tips, you can have the savings that you need for a stable future. Let AOG Wealth Management help your financial planning. We specialize in retirement planning, insurance, and investment management in Ashburn, VA and the surrounding Northern Virginia and Metro DC area. We will create tailored solutions fit for your needs, goals, and situation.

For more wealth management tips, just call us at (866) 993-0203. You can also reach us through our contact form .

Rising Up from the Recession

Wed, 23 Mar 2016 01:10:00 GMT

The U.S. economy has experienced modest economic growth over the past few years. Out of the chaos of the recession, Chief Global Economist at Principal Global Investors Bob Baur believes that economic expansion will continue. Other countries have been experiencing growth as well.

Slow but Sure Economic Growth

China is one of the countries with a fast-growing market, but the growth has slowed down from 10% to 7%. It may signal slow growth, but some think that this is a rebalancing or redistribution of growth. Countries such as the U.S., Japan, and Europe have been doing well these past few years. Despite the increase in debt, it can be beneficial in the long term. Borrowing money means that you are creating a better basis for future growth.

Although the growth is slow, it does not mean that the country will go back to recession. We simply have to get used to slower growth. Europe has been in a similar situation, and they have been doing well in terms of consistent growth. When McLean area investors seek financial planning assistance, it is important to understand these macro-economic factors and financial advisors who do as well.

A Positive Future for the Global Market

According to Bob Baur, investors in Australia may become more interested in potential in other parts of the world. There is also more opportunity in equity markets in Europe, Japan, and the U.S. rather than emerging markets and countries dependent on exports.

This year, Baur believes that there will be a recovery in equity markets and approximately 5% growth. As more consumers spend, the housing market continually grows and more jobs will be available. Consequently, a 2016 recession is highly doubtful.

Financial advisors providing estate planning in Washington, DC like AOG Wealth Management can help you make the most of this growth. We specialize in tailored solutions for asset management and wealth management as well as financial planning. We have been helping many investors for years, and we always base our solutions on your goals and situations.

If you want to learn more about the current market situation and how best to invest your assets, call us at (866) 993-0203. You can also reach us through our contact form .

5th Annual AOG March Madness Kickoff

Mon, 21 Mar 2016 01:10:00 GMT

Past winners include:

2012 Champion Erica Schaeffer

2014 Champion Jeffrey O.

2013 and 2015 Champion Fred Baerenz

Exciting Changes at AOG

Mon, 21 Mar 2016 01:10:00 GMT

We’re pleased to announce two changes to our team at AOG Wealth Management! Michelle Miller has served as our Director of First Impressions since October of 2014. As of the beginning of 2016, Michelle has accepted the role as Business Development Associate with our firm. She will be coordinating all of our events throughout the year as well as our community involvement. Michelle is a fantastic and valuable member of the AOG team and we are looking forward to focusing her time on improving the overall client experience at AOG.

Next, please join me in welcoming Sabra Bomberger, our new Receptionist and Administrative Assistant. Sabra and her family recently moved to Great Falls from Ohio. She has an extensive background in the restaurant development and management industry. Her experience in providing exceptional guest service both personally and through managing teams makes her a wonderful addition to AOG. We are excited to have her with us!

We are always striving to improve the client experience at AOG and we believe these changes to our team will enable us to provide our clients with the highest level of service and advice.

Manage Your Money Better with These Four Simple Tips

Wed, 16 Mar 2016 01:10:00 GMT

Money management sometimes seems like a complicated process, especially when you consider the psychological and emotional hurdles that prevent you from spending less than you earn. Nevertheless, knowing how to manage your money better is one of the keys to achieving your financial goals.

That’s why AOG Wealth Management, an experienced team providing financial planning in Washington, DC , Maryland and Northern Virginia, shares these four tips to help you manage your finances better:

There Are No Secrets or Shortcuts

You may have read many books, websites, and articles devoted entirely to financial advice, but they all begin with the basics – don’t spend more money than you make. That aside, there really is no shortcut or secret to better money management. Instead, take the time to understand what you’re working with, so you can be more mindful of what you have and how to allocate it toward your financial goals.

Know the Difference Between Needs and Wants

You are the expert of your finances. If you want to manage your money better, it’s important to understand exactly how much you make, how much you spend and ideally how much you save and ultimately invest. To help increase the amount you save, you need to learn to recognize a want vs. a need. Needs are essential to your household such as food, water, and shelter. A “want” such as a fancy gadget may be fun, but they’re not worth missing your long-term financial goals.

Put Your Payments, Savings, and Investments on Autopilot

This will lessen the likelihood of impulsive spending on your part. It also saves you time and the hassles of calculating your finances each month since you can make steady monthly outlays automatically.

Build an Emergency Fund

Life is unpredictable. Setting aside a fund for emergency expenditures is a critical component of better money management. Issues can arise at any time that may tighten your expenses, and you can deal with them better if you are already prepared when they come.

Let the Reston wealth management specialists work with you to manage your money better. At AOG Wealth Management, we provide customized solutions based on your personal goals, circumstances, and objectives. Talk to us today to know what options may be best for you.

Give us a call at 1-877-600-3573 or fill out our request form to get started with a complimentary consultation.

What to Do in a Volatile Stock Market

Wed, 09 Mar 2016 01:10:00 GMT

Stock market volatility refers to the sharp ups and downs of the stock market index. This is often dependent on many factors such as a country’s economic and political status and a change in the supply and demand of limited resources such as oil.

Here, AOG Wealth Management Inc. discusses how investors should handle stock market volatility.

What Makes The Stock Market Volatile?

It is common for many to invest in bonds to avoid the risks commonly associated with stocks. Many expect to do better by investing in stocks vs. bonds because stocks are riskier and therefore the returns can be higher. The same behavior applies to other aspects of the stock market, which contributes to its volatility. That is why many rely on experts like us when it comes to investment management in Washington, DC .

Why Volatility Hurts

Stock market volatility hurts those who lack the patience and discipline to ride out the volatility. Relying on speculation to determine when volatility will start and stop is also a risky proposition. The same applies when trying to guess the best time to start investing. If your investment timeframes are longer, you can more easily ignore the ups and downs of the stock market because you really only care how that investment will do over the longer term – 10, 20, 30 years or more. So a week or month of volatility in the long run does not matter.

What is the Best Course of Action Then?

Making an investment always entails risks. But doing nothing can be just as risky in terms of preparing for your retirement. When the stock market drops, one course of action that could be appropriate for you is to buy stocks. That’s right…when stock prices are falling they are essentially being sold at a discount. By buying stocks as their prices are dropping, you could be putting yourself in a better position for a long-term return when the market begins to move up.

It is vital that you learn to be patient and to invest for the long term. It is also safer to be conservative when it comes to valuing and constructing your portfolio. Refrain from letting personal biases like fear and greed influence your decisions. Try not to be too optimistic or pessimistic. Learning to adapt to the market’s volatile nature will provide you with more opportunities.

What We Can Do For You

We specialize in asset management in Washington, DC and the surrounding Maryland and Northern Virginia area. We provide customized investment solutions that will address your needs. This can be anything from tax-efficient strategies to reduce your tax-burden to re-allocating retirement funds to lessen volatility, or anything in-between. Our services also include:

Let the Experts Help You

You can count on AOG Wealth Management Inc. to help you manage your finances and help you plot a course for your retirement. Call us today at 1-877-600-3573 for more information about our services.

Top 4 Reasons to Work with a Financial Advisor

Wed, 02 Mar 2016 01:10:00 GMT

According to a recent study by Northwestern Mutual, 58% of Americans believe they need improvement in terms of their financial planning efforts. Thirty-four percent, however, have done nothing to plan for their financial futures. This places them at a disadvantage. Investment options can be overwhelming, and even experienced investors may need help in their financial and retirement planning.

For successful financial planning and investment management in Ashburn, VA and the entire Metro DC area, you need to work with a team of experienced financial advisors. Here are the top four benefits of working with AOG Wealth Management:

1. We will review your financial situation thoroughly – One of the common mistakes people make when planning their finances is not reviewing their investments and accompanying statements in detail. Experienced financial advisors will review your investments to look for issues and recommend changes as needed.

2. We will help you develop a financial strategy and stick to it – Professional advisors, like our team at AOG Wealth Management, will help you develop a financial plan that is appropriate your needs and goals. We will help you set short and long-term goals and help you stay on track to achieve them.

3. We have the proper knowledge and expertise – You may be experienced with managing your finances and investments, but seeking guidance can make you become a better investor. As an experienced company providing investment and wealth management in Washington, DC and the surrounding area, we can provide another perspective in your financial planning. We will help you identify any gaps in your investing strategies. Moreover, we will discuss with you how your financial decisions today will make impact your future investments.

4. We will monitor your investments diligently – Most importantly, we will work to make sure you do not take unnecessary risks. We understand how important your investments are, so we will work monitor your investments closely and adjust the investments as needed.

AOG Wealth Management is committed to helping our clients realize their financial goals. Talk with our financial experts today by calling us at 1-877-600-3573 or fill out our request form to get started.

Federal Rate Hike

Tue, 01 Mar 2016 01:10:00 GMT

The US housing market and banking sector crashed between 2007 and 2009, which is considered to be one of the worst in US history. To keep the economy from collapsing, the Federal Reserve cut the costs of borrowing money to very low levels. After a seven-year period, the Federal Open Market Committee (FOMC) finally decided to raise the target range funds rate by 0.25%.

The committee intends to continue this policy until normalization of the federal funds’ rate level is well under way. They project that the funds rate will increase to nearly 1.5% in late 2016 and 2.5% in late 2017. By the end of 2018, the median rate will rise up to 3.25%, which is close to its longer-run normal levels.

The FOMC raised the federal funds rate because the US economy has slowly been growing during the past few years. According to Janet Yellen, 2.3 million jobs have since been added to the economy. She also stated that the US real gross domestic product is estimated to have increased in average pace of more than 2% for the first three quarters last year.

What Does This Mean?

The federal rate hike marks the end of the long-running reverberations of the financial crash. Adjusting this rate can affect investment management for Ashburn, VA investors as well as other sectors of the economy. Some of the areas affected are:

If you need help with asset and wealth management in Washington, DC or Northern Virginia, talk to the experienced financial advisors at AOG Wealth Management. We can create investment strategies specifically designed for your goals and needs. We maintain high standards of integrity and professionalism, ensuring due diligence on all prospective investments.

To schedule a free in-office consultation, call us today at (866) 993-0203. You can also reach us through our contact form .

Predicting Recessions

Sat, 27 Feb 2016 01:10:00 GMT

By Jim Ortlip & Fred Baerenz

With all the bad stock market news lately, many economists are trying to tie bad economic news in China, Europe and the Middle East into a US recession narrative. The most famous of the doomsayers is Dr. Nouriel Roubini, literally known as “Dr. Doom,” since he has predicted 10 of the last two recessions. While he correctly predicted the implications from the housing bubble of 2007, he generally finds bad news everywhere he looks.

While we are also concerned about the US annual debt and growing deficit, we still have lots of confidence in the US economy. Although we would have preferred more robust growth over the last decade (the first time in a century when the US economy did not exceed 3% growth from 2007-2015), we continue to struggle on in what Brian Wesbury refers to as “plow horse” economy, not a “racehorse” economy. Think of a horse slowly putting one foot in front of the other, without ever breaking out into a trot.

One of the best predictors of recession is when the “yield curve” is inverted. Think about this the next time you walk into your bank lobby, or check rates online. Everyone knows that 1 year Certificate of Deposits are supposed to pay less than 5 year CDs. That’s because of what we know as “illiquidity risk,” which is a fancy way of saying that one expects to be paid more if one commits money for a longer period of time. Similarly, 2 year treasuries are expected to pay less than 10 year treasuries. The difference between the interest rates paid on the different time frames is known as the “spread.” If one plotted interest rates on one axis and time period on the other axis, and then connected the dots, there should be a “curved” line where the longer time frame has the higher interest rates.

When the yield curve is “flat,” that means that there is something amiss in financial markets. One should get higher interest rates for longer time frame bonds. If the 2 year treasury is paying the same interest rate as the 10 year treasury, the line is not curved, but flat. The yield curve is said to be “inverted” when one gets higher rates on shorter time frames. The line is inverted because it is curving the “wrong” way. The attached graph shows the times when the spread between the 2 and 10 year treasuries become “flat” or “inverted.” Those are times when a recession may be imminent.

One of the nice things about the endowment model, with so many non-correlated asset classes, and such high income, is that we don’t have to worry too much about recessions. The model allows us to rebalance periodically forcing a buy lower and sell higher discipline. However, we are always vigilant, and looking to improve how we construct portfolios. With so much volatility this year… in market, oil prices, international politics, and presidential candidates, we will periodically weigh in with other articles such as this. In portfolio management, information usually trumps (not Trumpertantrums) emotion.

The opinions in the preceding commentary are as of the date of publication and are subject to change. Information has been obtained from a third party sources we consider reliable, but we do not guarantee the facts cited are accurate or complete. This material is not intended to be relied upon as a forecast or investment advice regarding a particular investment or the markets in general, nor is it intended to predict or depict performance of any investment. We may execute transactions in securities that may not be consistent with the report?s conclusions. Investors should consult their respective financial advisor on the strategy best for them. Past performance is no guarantee of future results.

Social Security Changes: 3 Ways to Maximize Your Benefits

Wed, 17 Feb 2016 01:10:00 GMT

With the recently signed federal budget, certain changes were made to social security. According to NBCNews.com, the biggest change made was the “file-and-suspend” social security strategy. Under the current law, the main beneficiary should claim his or her benefits first. Otherwise, claiming the spousal benefit will not be permissible.

Experts in investment management in Washington, DC recommend studying social security changes to maximize your benefits this year.

What You Need to Know about Social Security

File-and-suspend strategy has changed and will no longer be available starting in the second quarter of 2016. Nevertheless, it will still be possible to suspend your benefits starting at full retirement age and restarting it at a higher level at 70. Despite the changes, you do not have to give up on optimizing your benefits, as there are other policies to look forward to. The new rule on mortgages provides a big incentive for couples who will be 62 before the year ends. Ask your local advisor to learn more about social security changes.

How You Can Maximize Your Benefits

It is true that the policies for collecting social security can be complicated and unpredictable. Nonetheless, there are available strategies to maximize your benefits under the current conditions. Here are three of them:

For more information on investment and asset management in Washington, DC and Northern Virginia, we are here to help. AOG Wealth Management is a registered investment advisor that provides wealth and asset management services to individuals who want to make their financial goals happen. We can talk about your social security benefits, retirement plans, investment goals, and more.

Just give us a call at (866) 993-0203 and one of our financial advisors will be ready to assist you.

AOG’s 2015 Fantasy Football Champion

Sat, 13 Feb 2016 01:10:00 GMT

Congratulations to Michelle Whitlock, AOG’s 2015 Fantasy Football league champion. She is shown here proudly holding the championship trophy along with occasional AOG greeter, Gus.

Tips on Establishing a Retirement Fund

Wed, 10 Feb 2016 01:10:00 GMT

As the saying goes, “Youth is wasted on the young.” More often than not, so does money if you do not plan your retirement right. Nearly half of all Americans say they are worried that they will run out of money in retirement. Unfortunately, most still fail to calculate how much they need to save for their retirement.

Financial security in retirement does not just happen. You have to prepare for it and work at it. This takes a lot of saving, planning, and commitment. It is also helpful to have someone experienced helping you plan for your retirement and keeping you on track.

Here are some tips from the experienced Great Falls wealth management firm AOG Wealth Management to set you on the right track to financial stability for the rest of your life:

Timing

Most people ask when the right time to start saving money. Some even make the excuse that either they are too young or too old to start saving for retirement. The truth is, the perfect time to save is now. Regardless of your age or tax bracket, it is never too early or too late to start.

Spending

Having good saving habits does not mean you have to be thrifty all the time. If you have a better handle on what you spend, you can splurge a little on a vacation or a nice dinner once in a while. Coming up with an effective spending strategy is going to help in managing your finances. This allows you to plan how you are going to maintain a comfortable standard of living when you stop working. Take note that once you retire, you have different priorities. You will spend less on luxuries and might focus more on health care. Keep in mind that the 4% rule that most retirees follow may not work for you. Spending that much of your savings annually may not be advisable given today’s low interest rate environment.

Investing

You can also consider investing your money. Try to set aside some money for low-risk investments and some for riskier choices. Consult AOG Wealth Management on how you can make the proper investments that are suitable to your retirement goals.

For expert retirement planning and financial planning in Washington, DC and Northern Virginia, you can rely on AOG Wealth Management. We provide wealth management services in a boutique setting, including setting up effective, clear-cut retirement plans and strategies to meet the unique retirement goals of all our clients.

Know more about how we can help set up your retirement funds by giving us a call at 1-877-600-3573.

Buying Energy at Discount Prices

Sun, 07 Feb 2016 01:10:00 GMT

I believe that I have discussed this topic in every prospect/client introduction meeting in which I have been engaged. If it is so elementary on the face, why does it bear examination? The reason is that it is very difficult to do. One doesn’t easily buy “low” because that implies buying something that has either traded down, or has just not gone up as much as other investments. Buying “low” means that we must overcome the “fear factor” that if something is down, it may fall further. Even if something has traded down, and begun to rise a little bit, there is fear of buying the “dead cat bounce.” My apologies if you have lost a loved feline. The phrase connotes the idea that even a dead cat will bounce back up a little bit if dropped from a height, however it is still dead despite the appearance of life because of the “bounce.” In investment terms this means that an investment that had dropped precipitously might have one little bounce left in it before it falls further. This is also known as a “suckers rally,” which describes an investor who buys into a slight rally that then retreats as prices fall even lower. When the stock market finally bottomed in March of 2009 I cannot count the number of pessimists who decried the “false” rally that began, advising investors to stay on the sidelines in cash. In retrospect, we know that would have been a mistake.

The first famous fund manager that I met in person was George Vanderheiden, who at the time managed the very successful Equity Income Fund for Fidelity. One of his favorite sayings was “I’d rather get in on the first floor going up than get in on the ground floor and take a trip into the basement.” So the difficulty is in trying to determine if something has truly bottomed, or if there is more room to fall before rising again.

While we still remain confident that fossil fuels will be in high demand for at least another decade, the question with which we are wrestling is how best to take advantage of the current situation. Our favorite energy ETF is off its trading high by almost 40%. We can buy that daily, or even intraday. Drilling costs are down between 30-50% in the Permian, Anadarko and Illinois basins. Should we invest in those offerings for 2016? Our private debt BDC which focuses on energy is down more than 20%, not because of loan accruals or failures, but because the few sales have been at tremendous discounts, forcing our fund managers to mark to the market. Is it a good time to add to that position? We are also looking at funds that are purely opportunistic, hoping to buy great assets at discount prices from troubled owners, who borrowed too much during boom times and now are being pressed as income is down, but debt service is still relatively high.

There is not one perfect answer for all clients. However, as we begin our 2016 review process, we are mindful of taking advantage of these lower prices for energy related options across multiple asset classes. We will be discussing this with each client, and determine which, if any, of these strategies to pursue for you. One last thought from Warren Buffet: “When others are greedy, be fearful; When others are fearful, be greedy!”

Rate Hikes and Their Impact on Your Finances

Thu, 21 Jan 2016 01:10:00 GMT

Most investors believed that the Federal Reserve was leaning towards a rate hike, creating a stir in the market and the economy. Though we know that the Fed raising rates can impact the market and the economy, the results can be positive or negative to your bottom line.

The rate increase may initially affect everything from the interest banks pay to the rates consumers pay using their credit cards. This will cause a bit of a slowdown in the market. Nevertheless, it will be beneficial for the country’s economy, particularly in stabilizing US inflation, creating job opportunities, improving employment rates, and opening new opportunities to investors.

The Reason behind This Rate Hike
The Dow Jones and NASDAQ maybe down, but this perhaps may be due to the common perception that Federal rate hikes will hurt the market. This is what has been called the “rate hike huff”—a bit of a dip in the market. This is because of the common misconception that rate hikes from the Federal government will only cause negative consequences in the economy.

Some economists and even the media go into a frenzy every time the market drops. This can amplify the stir, as people try to find the reason behind the decline.

Opening Opportunities
AOG Wealth Management and our team of financial advisors in Northern Virginia believe with any economic bump, it is important to look at both the positive and negative effects. It is important to look if an economic change presents opportunities for investors. For example, with a raise in rates, the Fed will be paying banks 50 basis points on excess reserves instead of 25. That means 7 billion dollars more per year in earnings to banks, which could be an opportunity to invest in if appropriate for your portfolio.

So if you are wondering the impact or opportunities presented by an economic event such as the Fed rate hike, talk to AOG Wealth Management, a leading NOVA wealth management firm. Since our founding 15 years ago, we have continuously served the people of Northern Virginia, DC and Maryland in their journey to achieving their financial goals. We offer rigorous, on-site diligence on all prospective investments, and then we provide advice on utilizing only the highest rated investment options.

To learn more about our company, credentials and services, feel free to contact us today. We’ll provide you with a complimentary financial consultation.

HAPPY 2016!

Thu, 21 Jan 2016 01:10:00 GMT

As I prepared to write this 2016 article, I reviewed the 2015 version. My estimation of a 70% chance of a stock market correction was validated in both August and December (and the first two weeks of January!). I think the declines of the last month have occurred because too much weight has been attributed to slowing growth in China, tepid growth in Europe, tumult in the Middle East, and falling energy prices. I believe that slow but steady growth in the United States will probably push stocks higher for the year. However, we are near the end of the seventh year of this bull market run, many companies are anticipating lower earnings this year, and I think the volatility from August and more recently will continue to dominate financial news, and worry investors.

We finally got our first interest rate hike in almost ten years. Federal Reserve watchers continue to debate as to whether the FED acted too soon and may hold or pull back, or if they will continue to look at occasional incremental rate hikes. I tend to favor the later opinion, but wouldn’t be shocked if rates stay flat. Either way, we favor floating rate debt over fixed rate debt in all of our portfolio models.

My biggest “miss” from last year’s prognostication was on energy prices. I had thought that world demand would cause a second half rebound. Usually, tension in the Middle East leads to a rise in oil prices, however, the current fractiousness has just caused a complete breakdown in production quotas from OPEC as Iran comes on line, Libya continues to produce at higher levels, and Saudi Arabia refuses to cut production. Although US production costs have plummeted, we may look for investment opportunities to purchase distressed assets, in addition to our regular energy investments.

At AOG, we have continued to refine our procedures to enhance our client experience. We are reviewing our real estate offerings, and moving to smaller funds that can be more nimble as we progress into later “innings” of this real estate cycle. We have also added a new tax planning strategy that is even more effective than our oil & gas drilling programs. Although we limited it in 2015 to clients with incomes in excess of $300k, we are reviewing it with some of our CPA partners for potential Roth IRA conversions. More on that later in a newsletter article later by Jim Ortlip.

For those of you in the DC area, we have a new and robust schedule of education programs . For those outside the area, we hope to introduce live or recorded webinars to offer similar content to what is available at these education events. Either way, we look forward to seeing you in person, by conference call, or skype for our 2016 reviews.

What is Your Money Mindset?

Thu, 07 Jan 2016 01:10:00 GMT

When it comes to handling personal finances, many households don’t have a clear view on how to reach their goals. This is according to the 2013 Household Financial Planning Survey and Index, a financial planning study conducted by the Certified Financial Planner Board of Standards and the Consumer Federation of America. The study awarded consumer points for specific financial behaviors that fell into three categories, namely comprehensive planning, basic planning, and credit card debt management. The result shows Americans falling into four groups: the comprehensive planners, the basic planners, limited planners, and the non-planners.

To help you better understand each group and to know your “money mindset”, AOG Wealth Management, an experienced group of financial advisors in Northern Virginia , provides insight on each group:

Comprehensive Planners
If you want your personal finances to be in great shape, you should strive to be a Comprehensive Planner. Only 19% of Americans fall into this group. Comprehensive Planners are perfectionists and know the exact route to all their financial goals, which include their household budget, retirement savings, and insurance. To be a Comprehensive Planner, you can either map out everything yourself or hire a reliable financial advisor like AOG Wealth Management to help chart your path and provide guidance along the way.

Basic Planners
A big portion —a whopping 38%—of the American population falls into the Basic Planner group. This group has a goal but do not know exactly how to get there. You can clearly see this because two-thirds of Basic Planners have a household budget and less than half keeps a record of it. Although 35% of Basic Planners have a comprehensive plan, 31% of them are more likely to carry on with the plan the next year.

Limited Planners
About 33% of Americans are Limited Planners. They are mostly procrastinators when it comes to planning their finances. This means that they have a budget or a plan, yet decided not to do anything about it. 31% of Limited Planners have retirement plans, only 7% save for emergencies.

Non-Planners
Non-planners are float from paycheck to paycheck, bill to bill without any strategic approach in managing their finances. 90% have no specific saving goals and plans and 40% have outstanding credit card debt.

To make sure your finances are headed on the right direction, get in touch with our financial advisors at AOG Wealth Management. As wealth management professionals, serving Metro DC and Northern Virginia including Vienna, Ashburn, Great Falls, Reston, we can help you determine your good and bad financial habits and put you on the path to achieving you financial goals.

To learn more about our company and our services, contact us for a complimentary financial consultation.

The Rate Hike’s Impact on the Financial Sector

Thu, 31 Dec 2015 01:10:00 GMT

The Federal Reserve’s interest rate increase is the first increase in almost ten years. While some worry that an increase only brings negative results, economists agree that a higher Fed interest rate can bring some good with it.

Here are four areas to watch for the impact of higher interest rates.

Retirees
For retirees, higher interest rates can mean a better return on their bank account savings and other financial instruments. Lynn Reaser, chief economist at Point Loma Nazarene University said that higher interest rates on financial instruments would aid older Americans who try to live on their retirement savings. As the population ages over time, more retirees will come to appreciate even the modest interest hikes that come with retirement.

Lenders
When interest rates increase, banks and other financial institutions can charge more for the use of their money. The Director of The Institute for Economic Competitiveness, Sean Snaith, said that banks have better incentives to loan funds at higher interest rates. This type of cause and effect could be the grease to get more money loaned to businesses to further stoke the economy.

Savers
If you are a saver, then we have good news for you: there will be a modest improvement in your interest rates. According to Bankrate’s weekly survey, an “Average 1- and 5-year certificates of deposit have paid less than 1% interest since September 2012.” Experts also say that Fed rate hikes will bring about higher returns paid on savings.

Travelers
For people who love to travel, a stronger US dollar will provide more buying power for Americans heading overseas. According to Bankrate, Fed tightening results in a higher dollar. The US dollar is getting stronger, especially against the Euro.

A Fed rate hike is not as daunting as some may think. If you need help in maximizing your financial assets, let AOG wealth advisors in Great Falls guide you to achieving your financial goals. AOG Wealth Management offers various financial strategies that will help you grow your investments.

For more information on financial planning to help you achieve your goals, call us at (866) 993-0203.

Bodhi – Keeping the AOG Office Safe and Secure

Thu, 31 Dec 2015 01:10:00 GMT

Bodhi Schaeffer

As we wrap up 2015, we can’t forget to thank Bodhi Schaeffer for conducting our end-of-the-year cyber security and office surveillance evaluation.

His quiet brawn and vigilant nature helps us see ways to continue keeping the AOG office safe and secure. He looks soft and cuddly, but looks can be deceiving. Bodhi is quite the mastermind when it comes to warding off unwanted computer glitches and the occasional power outage.

We hope that you have a Happy & Safe New Year’s celebration. We look forward to seeing you in 2016!

The AOG Canine Team

Wed, 23 Dec 2015 01:10:00 GMT

Jethro Baerenz

Once a year the AOG Wealth Management office is reviewed by the canine team to make sure that the processes are running smoothly and that the organization goals are being met.

Jethro leads the review, seen here as he checks the desktop computerized calendar. Oreo is supervising the client review process to make sure guests are comfortable and informed. Gus, new at the job, is pondering the prospectus and paperwork procedures. Simba is conducting client feedback surveys remotely, and Izzy (not shown) is following through on due diligence feedback.

The review was very complete and a few recommendations were as follows:

All the AOG teams wish you Happy Holidays and a Happy New Year!

Happy Holidays!

Sat, 19 Dec 2015 01:10:00 GMT

Over the years, AOG has been blessed with the opportunity to serve an amazing group of clients. We get to show our appreciation each year at our annual year-end holiday party, and this past Thursday marked the 20 ^th anniversary of this event. Although the party has evolved over the years from a small gathering in the Fairfax Town Hall with a handful of clients and finger foods to an elegant celebration at Westfields Marriott, the core purpose has remained the same – to celebrate with and show our appreciation for the wonderful families we have been able to serve for another year.

It was an evening of delicious food (and a fantastic dessert buffet!), great company of new and old friends, and reflecting on the past year. We appreciate everyone who made the event happen and were delighted to see so many of our clients in attendance.

We wish you all a safe, restful, and joyous holiday season as we move into the last few weeks of 2015. Thank you for trusting our team and we look forward to years of client appreciation events to come!

Securities offered through Kalos Capital, Inc. located at 11525 Park Woods Circle, Suite 130, Alpharetta, GA 30005 and/or TD Ameritrade Institutional Services located at 5010 Wateridge Vista Dr., San Diego, California 92121-5775. Investment advisory services offered through AOG Wealth Management, Inc. AOG Wealth Management, Inc. is neither an affiliate nor subsidiary of TD Ameritrade Institutional Services.

Infographic – What is Boutique Fund Management

Fri, 11 Dec 2015 01:10:00 GMT

Looking for ways to make your money grow? Learn more about the basics of boutique fund managing and how it can be a good option.

Developing Good Financial Habits

Thu, 03 Dec 2015 01:10:00 GMT

“Spend less than you earn” sounds obvious but is not always easy to do for many households. When it comes to managing finances, you need to go beyond this simple math and start training yourself to develop a good set of financial habits.

As an experienced financial planner in Northern Virginia , AOG Wealth Management shares some tips on getting developing a good financial mindset with these 4 tips:

1. Tackle Bad Debt
There is good and bad debt. A mortgage is an example of good debt. Carrying credit card balances is an example of bad dept. Start to eliminate bad debt by targeting the credit cards with the highest interest rates. Alternatively, tackle the smaller balances first. Either approach is a start and a critical step in developing good financial habits and getting you on track to reaching your financial goals.

2. Create a Budget
A budget can help you manage your spending urges and bad financial habits. Many people fail to stick to their budget, because impulsive behavior can get in the way. With a budget, you become more aware of what you spend in a given time period…say monthly. Ultimately, by staying within budget, you learn to avoid spending money on items that are “wants” vs “needs” and you become better of living within your current financial means…and ideally have money left over to save and invest for your retirement.

3. Treat Yourself Occasionally
Once you have your good financial habits in place and you are cutting your credit card debt and building your savings, it’s ok to treat yourself occasionally. Keep in mind that the treat doesn’t have to be grand or costly, just enough to treat yourself for a job well done. Once you have prioritized your spending, it will be easier to find affordable ways to reward yourself. This will help you manage your behavior and nurture the right financial mindset.

4. Talk to a Financial Advisor
Lastly, consult professional financial planners, such as AOG Wealth Management. We help homeowners reach their full financial potential and keep them focused on their financial goals through custom-fit services. Our services include small business, asset management, and wealth management. Our goal is to develop unique strategies that will help individuals and businesses make the right financial decisions. As your wealth management expert serving Great Falls, Reston, Ashburn and all of Northern Virginia and the Metro DC area, we have a broad knowledge on retirement planning, savings plans, investment strategies, mortgage assistance and more.

To learn the best financial solution for you, call us at (866) 993-0203. We will be ready to assist you.

Cash Balance Pension Plans

Thu, 03 Dec 2015 01:10:00 GMT

“The reports of my death have been greatly exaggerated.” – Mark Twain

More and more companies (and perhaps even governments) are switching from defined benefit programs to defined contribution programs. The main reason for the switch – cost. Employers want to trade a known cost “defined cost” for an unknown cost “defined benefit”.

However, like Mark Twain, the death of one type of pension, the Cash Balance Pension Plan, has been greatly exaggerated. To the contrary, CBPPs are growing fast. These plans are like old fashioned traditional defined benefit pension plans but with important distinctions. As in a traditional pension plan, investments are professionally managed and participants are promised a certain benefit at retirement or separation. But the promised benefit is stated as a balance and not as a lifetime income stream. This is much more attractive and affordable for business owners, and provides a nice supplement to employee retirement nest eggs. Unlike traditional pension plans, they don’t require uncapped employer contributions, a factor that has played a key role in the disappearance of the traditional defined benefit plan.

Owners of small to medium sized businesses have begun turning to Cash Balance Plans as a way to accelerate their retirement savings while reducing their taxable income. Cash Balance Pension Plans have generous contribution limits that increase with age. In some cases, business owners 60 and older can put away as much as $200,000 annually in pretax contributions. This contribution can be done in addition to a 401k/profit sharing contribution which is limited to $57,500 for those 50 and older.

In 2012 Cash Balance Plans held $858 billion accounting for 28% of all defined benefit plans. According to the retirement consulting firm Kravitz Inc., this startling growth propelled CBPPs up from a 3% market share in 2001. Business owners will need to make contributions on behalf of regular employees, which has become an extra benefit that has helped employers retain talented staff. The plans will likely be more costly than a typical 401k in part because an actuary must certify each year that the plan is properly funded. For many business owners, the tax advantages that come with a six-figure annual contribution easily outweigh the costs of the plan.

If you are a business owner and haven’t yet had an analysis on this type of plan for your business, please give us a call! You may be missing an incredible tool for your own retirement, and an important strategy to help your employees.

No content should be construed as legal or tax advice. Always consult a tax attorney or tax professional regarding your specific legal or tax situation.

4 Effects of a Fed Rate Hike

Thu, 19 Nov 2015 01:10:00 GMT

There is much talk about the anticipated interest rate hike from the Federal Reserve, but there seems to be little discussion on how this will affect consumers. A recent Wall Street Journal survey shows that more than 90% of economists anticipate the increase to take effect in the next six months.

To give you an idea of how a Fed rate hike might affect your finances, here are a few things you need to know.

To help your savings and investment decisions, work with a NOVA wealth management firm. Here, we serve small businesses and individuals. AOG Wealth Management offers ways to plan your asset and wealth strategies effectively. Our services include tax efficient investment strategies, home mortgage assistance, trust and estate planning, and more.

Our business is to help you achieve your financial goals. Call us today at (866) 993-0203 to learn more about our products and services.

Reducing Risk When Investing

Thu, 12 Nov 2015 01:10:00 GMT

When it comes to asset management in Washington, DC, mistakes can be expensive. Nevertheless, the best way to grow your finances is by making timely investments. You cannot eliminate risk completely from any investment. AOG Wealth Management has steps that help mitigate risk for smart investing.

The “Next Big Thing” in investing is constantly hyped in the financial press. However, trends are just that. Following poor advice can lead to bad investments. While not every hot tip is a dud, be sure that you research extensively. Keep in mind that it is your money that is at risk.

There are investors that compare current prices with the 52-week high. When looking at this trend, some might think that a share price trending downward is an easy, affordable buy. Nonetheless, too many factors that affect lowered pricing make it worth studying more carefully. It can be better to invest in stocks that have provenance and quality justifying the price.

Smart asset management in Washington, DC starts with having faith in yourself. This has to be grounded in practiced experience and carefully honed skill. It is advisable to learn from people you trust and industry leaders. All it takes is continued learning to become much better at investing. But don’t feel like you have to do it all yourself. Lean on experts who can support you and your financial path.

Investment strategy, tax efficiency, estate planning, and risk management form the foundation of AOG Wealth Management. You can count on us to help you make smart investments and manage your finances. Get in touch with us today, and we will even start you off with a no-obligation financial consultation.

4 Healthy Financial Practices Millennials Need to Adopt

Thu, 05 Nov 2015 01:10:00 GMT

Millennials are well beyond the cusp of early adulthood. AOG Wealth Management looks at four healthy financial practices Millennials need to adopt to put them on the path to financial success.

Millennials were fortunate enough to have followed the sudden boom in technology that defined the 2000s and the 2010s. This has caused a mad scramble for the latest gadgets year in and year out. Smart wealth management firms in the Washington, DC area advise their clients to avoid spending above your current means and to save as much as you can.

While you may be trying to have more savings, what you set aside could just as easily be spent without effective planning. Focus on the essentials: food, transportation and rent/mortgage. Follow the rule of thirds. A third of your income after taxes goes to needs, a third goes to savings, and the last third goes into an emergency fund. You can then use a third of the contingency fund to splurge on a few of your “wants”.

Many wealth management firms in DC will advise you to define your lifestyle in clear terms to yourself. If you are set on savings and financial freedom, it is going to mean sacrifices and moving away from frivolous spending. These include considerations like where you live and what you drive.

Many people tend to start saving money once they get a promotion or raise; some even delay their 401K contributions. The problem is that promotions and pay raises usually come with an increase in lifestyle threshold. This means you spend at relatively the same rate, regardless of your salary. Whatever your position in your work, put your mind in a thrifty mode.

Whether you are starting out or in the thick of things, be sure to consult a wealth management advisor to see if you are on the right track. We will help you on your way to financial success and advise you in the best ways to protect your assets. Get in touch with AOG Wealth Management and we will help you figure out the best plans for your finances. We will also be more than happy to answer your questions about taxes, investments, and much more.

Halloween Fun!

Wed, 04 Nov 2015 01:10:00 GMT

Fred, Sheila & I joined in the costumed fun and greeted all the little ones dressed as characters from Downton Abbey. The planning for next year’s costumes has already begun!

Happy Halloween!

Thu, 29 Oct 2015 01:10:00 GMT

This Saturday, October 31st members of the AOG team will be dressed up and handing out candy for the kids and treats for the dogs during the festivities at the Halloween Spooktacular on the Village Green in Great Falls. This fun annual event is hosted by the Celebrate Great Falls Foundation . The Pet Parade on the Green will be held from 4-4:45 pm. The trick-or-treating for children, up to age 12, will be from 5-7 pm. For those brave souls, there will also be a Haunted House designed by Great Falls Boy Scout Troop 55.

AOG Wealth Management is a proud sponsor of the Celebrate Great Falls Foundation and its efforts to provide community spirit, events, and projects. We have had the pleasure of calling Great Falls, Virginia our work home for over ten years and this is our second year sponsoring the Celebrate Great Falls Foundation. It is also our second year participating in the Halloween Spooktacular so we are very excited to outdo our costumes from last year. The theme is a surprise – so be sure to inquire about photos after Halloween!

Keys to Financial and Personal Success

Wed, 28 Oct 2015 01:10:00 GMT

It is never too early to plan for your financial future. Young people have a tremendous opportunity to build wealth. Wealth is not just about the money. It is also about the relationships that you build, along with the self-assurance and confidence that you gain. When all these come together, you have a better chance of securing your financial future.

Invest In Yourself

Start by planning your future and broadening your knowledge of money. As experienced Reston area wealth advisors , we recommend that you begin retirement planning with your first job. If the company offers a 401(k) plan, sign up as soon as you can. If there is none available, put some of your paycheck into an IRA. Set up an automatic contribution to either of these early on to help build your wealth without stress.

While you are still young, consider going to college. Obtaining a degree increases your earning potential. Higher earnings can help toward building up wealth. Finally, take some time to evaluate your views on money. Understand its value — you are earning it in exchange of your time and effort. Each investment and purchase you make is a trade-off, so make your decisions wisely.

Invest In Your Relationships

Investing in personal relationships can help with financial success. For example, your choice in a spouse is important because they will be a large influence on your life. Choose someone whose values match your own, particularly when it comes to money – earning, saving, spending and investing.

Finally, learn about investing and hire someone to help manage your wealth. Establish a good relationship with your investment advisors. AOG Wealth Management is the preferred choice in Reston, Northern Virginia, Washington, DC and the surrounding area for wealth management because of our customized solutions, rigorous on-site due diligence on all prospective investments, and our varied investment model. We have designed our investment and management strategies to work for emergent investors seeking to grow their wealth.

We understand that your wealth and asset management goals are unique, which is why we provide personalized investment solutions. We provide highly responsive and personal service to each of our clients. Moreover, we constantly monitor investments and customize portfolios based on your risk/reward profile. Our investment strategy always starts with forming a good relationship with our clients.

Give us a call to learn more about our services or to schedule a no-obligation financial consultation.

4 Priorities for Financial Success

Wed, 21 Oct 2015 01:10:00 GMT

Financial success can feel elusive for those just starting their own careers. It does not have to be too complicated if you follow four tips from AOG Wealth Management. These tips are geared towards developing the right mindset and priorities as you strive for financial success.

It always begins with your personal savings. As your trusted financial planner in Northern Virginia , we advise to save and create a substantial savings account. Even though the interest on savings accounts is minimal, it is still an important step in financial management and your path forward to financial security. Set aside three to six months of your annual income in a savings account and use only for emergencies. This money will help you pursue your financial goals with relative calm and security, regardless of the bumps in the road that life my present.

Ideally, you would want to establish insurance that can replace your income should you encounter a health issue that prevents you from working. While we always hope for the best, it pays to prepare for the worst. Determine a term that makes most sense for you and your family and your overall financial goals. Make sure the insurance coverage you get covers your needs adequately.

If you are working for a company that offers a good 401(k), invest in it, especially if the plan includes an employer match. Financial success is predicated upon saving and smart asset management . Keep in mind that if your employer matches your contribution in even a modest amount, that’s free money!

Cut up high-interest credit cards and always pay your credit card balance each month. Make sure that what you spend within a pay period is far less than what you earn. Spending beyond your means will only trap you in a cycle of debt. If you are already in this trap, prioritize paying off debts as soon as possible.

AOG Wealth Management understands that the goals and needs of each individual vary. That is why we provide custom-tailored investment solutions based on what your financial situation. You can reach out to us if you have any questions about your taxes, retirement funds, and more. Call us today at 1-877-600-3573 and we will share with you the range of our investment options.

4 Smart Retirement Tips for Millennials

Wed, 14 Oct 2015 01:10:00 GMT

Millennials new to the workforce experienced the 2008 financial collapse and the stock market crash. That is why planning for retirement might sound daunting for this demographic. Millennials are making diverse financial decisions based on experiencing one of the most volatile economic events in a generation.

According to CNBC, Millennials are currently the largest generation in the U.S. labor force. It is important for people aged 18 to 34 years old to learn effective asset management. Here is what your trusted financial planner in Northern Virginia has to say:

Our team of financial advisors serving Northern Virginia is composed of industry experts. They are Certified Financial Planners® and Accredited Investment Fiduciary® that provide a steady hand of financial guidance to individuals, families and businesses.

To learn more about our services, call us at (866) 993-0203 today. We will be happy to discuss your financial and retirement options.

MESSAGE FROM THE PRESIDENT: The Home Stretch

Tue, 13 Oct 2015 01:10:00 GMT

I can recall my parents and grandparents commenting in years past that as they aged, time seemed to pass more quickly. Now that I understand the sentiment I wonder, does that mean that I am more wise and mature, or just that I am getting older? With Washington DC high temperatures in the 80s this week, we have had one last glimpse of summer, and with lows in the 50s, we know that fall has arrived and winter will soon be upon us. For those of you who are counting, Christmas is only 76 shopping days away, and the first night of Hanukkah is only 57 days away.

At AOG last week we completed our sixth and last regular client education event of the year. Jim and I are busily preparing for the annual meeting of the Alternative Direct Investment Securities Association (ADISA) beginning October 11. We will spend four days in Las Vegas reviewing economic trends, industry concepts, and conducting about 20 due diligence meetings. The rest of the AOG staff is busy scheduling and preparing for fourth quarter client reviews, many of which will feature meetings utilizing our new “Projections Report.”

It is hard to believe that the fourth quarter has already started. I still have items on my summer “to do” list, but I guess they will have to wait until 2016. We have begun our “sprint to the finish” tasks, and after a few very busy months, will look forward to celebrating our 2015 accomplishments with you.

Investing for your Future: Start Now

Wed, 07 Oct 2015 01:10:00 GMT

The best financial advice is to start saving for retirement…now! Starting early of course is best. But even if you start later in life, the most important thing is to start saving now. Many successful professionals echo this sentiment.

Plan Now, Relax Later

It is understandable to put off saving money because your retirement may seem far away. Nonetheless, preparing as early as possible for your retirement can make a huge difference when that day arrives. Consistently placing just a small percentage of your income away in a 401(k) when you are young could result in having hundreds of thousands of additional dollars in retirement savings.

Another aspect of retirement planning and how much to save is based on your retirement goals. What do you want your retirement years to be like? Would you like to retire early or travel around the world? Are you planning to buy a big house in the rural area? In the city? Close to your kids and grandkids? Perhaps the most important question is, can you afford any of these scenarios when you retire? Visualizing your goal will help you create your plan for saving for your retirement.

Saving: The Problem Most Millennials Face Now

Preparing for the future, however, is definitely not an easy task, especially for Millennials. The current generation has to budget their current salaries for their housing expenses, food, clothes, mobile phones, Internet, entertainment, etc. Most need to pay off their student debts.

AOG Wealth Management, one of the top wealth management firms serving the Metro DC area, notes that the first step is to secure a good-paying job that also offers excellent benefits, including a retirement plan. This can help you jumpstart your retirement savings.

Another helpful tip on preparing for your retirement is to invest. You may also have the opportunity to invest with pre-tax dollars which means more of your income can go towards investing.

If you need help managing your finances and establishing your retirement plan, AOG Wealth Management is the company that can handle your wealth management plans in DC . We provide customized investment solutions based on your personal goals, circumstances, and objectives. As we come up with tax-efficient strategies, you can set aside more money for retirement.

Get to know more about our company and our financial management services in Ashburn, Vienna, Great Falls, Reston, Georgetown, and Washington, DC by browsing through our site or contacting us.

AOG Analytical Training

Tue, 06 Oct 2015 01:10:00 GMT

Since we introduced an inter-office fantasy league in 2013, your lead advisors, Scott Sweat (2013) and Fred Baerenz (2014) were triumphant. However, Business Development (Shane) and Tax and Analysis (Jim Ortlip) have placed well. The client service team (Amanda, Lydia and Michelle Whitlock) made a strong run during the 2014 playoffs, but fell just short of ultimate victory. Marketing (Michelle Miller) and Due Diligence/Research (Erica) are furthering the training exercise to bond with their assistant head coaches (their sons). Our next training exercise will be open to both staff and clients. It will take place in early March and will include a kickoff party (otherwise known as “March Madness”).

MESSAGE FROM THE PRESIDENT: Earthquakes and Technical Corrections

Mon, 28 Sep 2015 01:10:00 GMT

Following my dad from one Air Force base to another, I lived in California, Thailand and the Philippine Islands as a child (among other places). In the seventh grade, I wrote an essay entitled “Ring of Fire” describing the plethora of active volcanoes and substantial earthquakes that occur in the Pacific Rim. When the earthquake centered on Louisa County, Virginia occurred in August of 2011, I immediately knew what was happening, and urged everyone in the office to go out into the parking lot and get away from the building. Although a little exciting, the earthquake had little effect on buildings in Great Falls, and the warm sunny day provided an opportunity to greet neighbors in adjoining offices.

As we have experienced the effects of what I believe will be classified as a “technical correction,” I am reminded of some of the same feelings I had earlier in my life during earth quakes. People lose their balance, lamps sway, and mirrors shift. Perhaps a few things fall off shelves…just like technical corrections!

Investopedia defines a technical correction as:

“A decrease in the market price of an asset or entire market after extensive price increases. A technical correction occurs even when there is no evidence that the increasing price trend should cease. It is often caused when investors temporarily slow down their purchases of securities, which commonly leads to a pullback toward a short-term support level.”

There is no firm specificity about how long or deep a “technical correction” stretches. I have suggested that they last between a few weeks to a couple of months, and somewhere between a 10% to 15% drop. Like major earthquakes (actual corrections of 20% lasting several quarters), one can get a queasy feeling when caught in the middle. Also, one may wonder if this is “another big one.” The “aftershocks” may last for weeks, or even a few months.

Although a number of factors will be cited for this volatility such as trouble in China, a poor domestic economic report, or Donald Trump having a bad hair day, generally this just provides an excuse for investors to recognize profits and reset basis in portfolios. I expect the US economy to continue to expand, unemployment to continue to drop, and the Federal Reserve to eventually raise interest rates. However, since one can never be sure if this is just some geologic rumbling (technical correction) or a precursor to “The Big One” (major sell-off into a bear market), it is always prudent to have a portfolio that is well balanced in non-correlated asset classes with significant tax efficient income. That is my prescription to mitigate both earthquakes and bear markets.

5 Things to Do When Saving for Your Retirement

Wed, 23 Sep 2015 01:10:00 GMT

Planning and thinking about your retirement as early as your twenties is no longer unusual. In fact, some say that it is never too early to plan your retirement. If you hope to stop working, relax, and enjoy your golden years, you have to save and/or invest for your retirement now.

Making sure that your finances are in order when you retire is going to take a lot of planning, commitment, and money.

Top Reston wealth management firm AOG Wealth Management aims to help by providing these five tips:

Knowing what you want when the time comes will help you plan all your finances now and in the future. You can also take charge of your financial future, as you can design a scheme that is realistic to your needs, preferences, and your finances.

Time is on your side. When you plan your retirement as early as your twenties, you will have more time to save for your financial future. The sooner you start saving, the more time your money has to grow.

If you work in a company that offers a retirement savings plan, boost your savings even more by contributing as much as you can and taking advantage of an employer match. This will surely make a huge difference in the amount you will accumulate over time.

Once you deposit to your retirement fund account, do not think about using that money until you are in retirement. This way, you will not feel the urge to withdraw should the need arise.

When it comes to taking care of all your accounts, look to AOG Wealth Management. As one of the top Nova wealth management firms, we can take care of your investments and keep you focused on your financial and retirement goals.

To learn more about how we can help you meet your retirement goals, contact us for a free financial checkup. For your retirement planning needs, choose AOG Wealth Management.

3 Ways China’s Financial Crisis May Affect You

Thu, 17 Sep 2015 01:10:00 GMT

August 24 saw the stock market of the world’s second biggest economy take a significant hit. In fact, conservative news outlets in China dubbed it as “Black Monday.” The fall dragged down and wiped nearly $5 trillion off global equity markets.

Washington, DC area asset management company AOG Wealth looks at how this affects you and your investments.

The Great Fall of China

With greater opportunities come greater risks. Crises across the globe can have a profound effect on you even a continent and ocean away.

What these three things highlight, however, is a need for awareness among investors, regardless of location.

What Can You Do?

The swings of the Chinese economy are not a reason for alarm or to make rash financial decisions. Here are some tips:

History has proven that financial market bumps pass, and those who do well during these bumps are the ones who stay focused on their long-term goals. Hire AOG Wealth and we will provide you with the best in small business, asset, and wealth management. Give us a call today.

What A Wealth Manager Can Do For You – Part Three: Questions You Should Ask Your Wealth Manager

Thu, 17 Sep 2015 01:10:00 GMT

In the first chapter, we discussed what wealth management is and the roles wealth managers play in your financial life. How do you find the right one? We answered that question in the second part, but there’s more to learn. In the third and final chapter are some questions you should ask your wealth manager.

Who is your ideal client? How many new clients do you take on each year?
Know their client specialization. You can use their ideal client profile to see if it’s a mutual fit before you start working together. Plus, by limiting the number of new clients accepted each year, this gives your wealth manager the ability to provide personalized service for each of his clients.

What is your investment approach?
What is the wealth manager’s strategy? How would he or she handle a financial crisis? If you have a strong preference for a particular philosophy, ask your wealth manager what theirs is. Disciplined investment strategies are the foundation of a solid management process. The actions taken should be consistent with your risk tolerance and goals but should suit how you want your money to grow as well. For instance, if you prefer to use low-cost funds, you can ask whether they plan to use actively managed funds or passive investments.

Will I be working only with you or with a team?
This question will also help you see how often you’ll be in touch with your advisor. A wealth manager that is part of a team could meet with you only once a year but still have a colleague or their right-hand person reach out to you and keep you up-to-date. It’s particularly helpful to know who you can contact even if your wealth manager is away or on vacation. Some companies have a team approach rather than an individual approach.

In case of an emergency, how fast can I get access to my money?
Does your financial plan permit immediate withdrawals? Can you get it in time to pay, say, your child’s college tuition, in six months? Many advisers keep money in mutual funds, which allow for immediate withdrawals. But some clients hold hedge funds or other investments, which means you can only get periodic withdrawals. You should be properly informed to avoid having to wait for your funds when you’re cash-strapped and need immediate funds.

A wealth manager can be a great resource for you, your family and your business as you try and navigate the numerous financial decisions we all face every day. Start the process by talking to a wealth manager to learn more and how you can benefit from the advice and guidance of an experienced financial advisor.

What A Wealth Manager Can Do For You – Part Two: Your Wealth Manager: Find The Right Financial Fit

Fri, 11 Sep 2015 01:10:00 GMT

Finding the right wealth manager starts with research. Asking family, friends and business associates for recommendations is a great place to start. A firm with a good reputation that has “roots” in the community is always worth looking into. Search the websites of the National Association of Personal Financial Advisors (NAPFA), Financial Planning Association (FPA) and the Certified Financial Planner (CFP) Board of Standards for members in your area.

Look up prospects online to get a sense of what each firm is like. Something as simple as the photos on their websites can form an impression of what they’d be like to work with or what demographic they’re targeting. Finally, set up your initial meeting. Most planners do not charge for this, and it’s an opportunity to learn about their services and determine the possibility of your working together.

Services
Be aware of red flags when evaluating wealth managers. Guarantees and promises such as to double your money or anything of this sort is a neon sign that you are not dealing with a reputable wealth manager. Instead, look for a company that can offer you:

• a comprehensive assessment of your current financial situation through the review of documents, such as your last two tax returns, wills, insurance policies and estate and retirement planning documents, liquid and illiquid assets, and all income sources;
• a clear perspective and identification of your financial needs and goals;
• the development of a financial plan;
• the pros and cons of various options and financial instruments (stocks, bonds, mutual funds, IRAs, etc.);
• coordination with other professionals (investment brokers, lawyers, accountants) to execute your plan; and
• a periodical review of your progress to make sure your financial plan and goals have not changed due to life events.

Review the services provided and go with someone who suits your needs.

Fees
Do they charge a percentage for assets under management, or do they make commission from selling you a specific product? Simply put, some wealth managers make a commission on the financial products they sell you — insurance policies, mutual funds, etc — and charge a set amount, which may either be an hourly fee, a flat fee for a comprehensive plan, or an annual retainer. Neither is necessarily better than the other, but you should know how your wealth manager is being compensated. Also, although the initial meeting is usually free, it’s always better to ask to confirm .

3 Tips on Improving Your Finances and Assets

Wed, 09 Sep 2015 01:10:00 GMT

As Wall Street continues to experience difficult times, consider a financial checkup. While everyone is having a mid-year review and a financial checkpoint, what are you doing as an individual?

As your local financial advisor in Northern, Virginia , we recommend that you do the same. Here are some tips on checking and improving your finances and assets effectively.

Evaluate Your Savings and Fees

Start with the basics, such as your current savings and fees. Having only three more months before this year ends, look for opportunities to reduce any unnecessary fees. Check all of your credit cards and bank fees. Take the time to review your savings, as well. One of the most practical ways to increase your savings is to challenge yourself to spend less and save more. It could be as simple as setting aside an expensive pricey hobby or postponing vacation travel plans.

Review Your Retirement Contributions

It helps to check your year-to-date numbers and be sure that you are maximizing retirement contributions. Maxing out your contributions will reduce your taxable income and increase your account balance, which is a win-win situation. To minimize your tax expenses, contribute to your favorite charity or cause.

Hire a Professional Wealth Manager

Hiring a professional wealth manager will let you discover better financial options. At AOG Wealth Management, we actively monitor investments based on the client’s risk and/or reward profile. This way, we can help you steward your finances and assets efficiently. Moreover, we have a team of financial advisors that give a steady hand of guidance and expertise. If you want to learn more about your retirement funds, tax efficient strategies, profit sharing 401K, and others, we can help you out.

We divide our services in small business, asset, and wealth management. We commit to up-to-date strategies and excellent customer service. We make sure that the solution we provide is custom fit to your needs. As an experienced financial planner in Northern Virginia , we help individuals and businesses achieve their greatest financial goals.

To get started, call us at (866) 993-0203 today and we will be ready to assist you. If you want a complimentary consultation, send us a message through our contact form.

What A Wealth Manager Can Do For You – Part One: Wealth Management & The Role of A Wealth Manager

Sat, 05 Sep 2015 01:10:00 GMT

What is Wealth Management?
Wealth management, first and foremost, is a consultative process. It’s a combination of private banking services and strategies to help you meet your needs and financial goals, be it strictly personal or for the business you run as well. The primary goals of wealth management are to: 1) increase your wealth, and 2) safeguard it for the future. Now, more than ever, you have to understand and define your own financial goals. Wealth management services mean you don’t have to do it on your own.

What is a Wealth Manager?
A wealth manager is your guide to all things that involve money. For someone to become a Certified Financial Planner (CFP), they need to pass a national test covering insurance, investments, taxation, employee benefits, retirement and estate planning — as well as meet experience requirements and abide by a code of ethics. As such, they’re the people who can help you make important financial decisions.

Beyond Managing Investments
The basic definition of managing investments is selecting the right balance of stocks, bonds, exchange-traded funds, mutual funds and other investment products that are suitable for your financial goals and retirement time horizons. The work that wealth managers conduct on your behalf, on the other hand, is not as easily defined. In fact, this basic definition is where a wealth manager’s job starts.

The services provided with a wealth management package will certainly include management of your investment portfolio, but that’s not all. Wealth managers also coordinate their clients’ dealings with other professionals such as insurance professionals, brokers, accountants and attorneys. Attorneys, aside from offering advice on tax laws, help to structure family corporations and trusts, and make the components of estate planning more complete.

Wealth managers are actively involved in their client’s retirement planning, too. This involves, among other things, updating and changing your investment profile based on where you are in your life cycle. Clients close to or in retirement, for example, are moved into more conservative investments. In addition, advisors will help with trust planning, insurance requirements and managing clients’ risks. Retirement planning includes protecting and producing income from investments during retirement.

Business planning is also a service that a wealth management consultant may offer to clients. Small businesses and enterprises alike need to be preserved, especially if the business is to be passed on to future generations. A wealth manager can help families grow their businesses, and put a succession plan in place so that the growth continues beyond the present owners. On the other hand, for those who want to acquire or sell businesses, wealth managers can provide the advice as well as find the buyers and sellers needed.

To be sure, a wealth manager goes beyond managing your investments to provide the best financial advice for you as a client. The relationship may need to last and become stronger, even over the long-term, so finding the right manager for you is essential. Learn how to find the right fit in the next part of this guide.

Tips on Managing Your Portfolio in a Volatile Market

Fri, 04 Sep 2015 01:10:00 GMT

The market is constantly moving, and it may be difficult to manage your portfolio during volatile times. Instead of bailing out of the market, you need to prepare and think about your long-term strategic asset allocation. However volatile the market may be, it should not alter your plans or goals.

To help you cope with the changing environment, AOG Wealth Management, leading advisors for wealth management in Washington, DC shares these important tips:

The difficulties of the market should not keep you away from your goals. Look at it as a possible buying opportunity. It can be a chance to upgrade your current portfolio by investing in undervalued stocks.

Your investment should include your individual goals, timeframe, risk tolerance, and liquidity needs. Even if the market fluctuates over time, stay focused on your goal and remain invested in the market.

If you feel pressured to deal with a volatile market, consult the experienced advisors from AOG Wealth Management. We can provide specific solutions based on your situation, needs, goals, and circumstances.

As one of the top wealth management firms in the DC area, we can offer solutions to manage your wealth during fluctuations in the market. At AOG Wealth Management we can also develop specific strategies to meet your needs and goals. We identify unique financial goals and provide real investment goals. When you work with us, you can ensure integrity and professionalism.

For more tips on managing wealth and portfolio, contact us today. You can schedule a free consultation by calling us at (866) 993-0203 or filling out our contact form .

3 Smart Investment Options for Millennials

Sat, 29 Aug 2015 01:10:00 GMT

Millennials, also known as Generation Y, are currently the largest generation in the U.S. They also show great potential. For one, they are shaped by technology yet they show great interest in community, family, and security. It’s impossible to meet a millennial who is not concerned about his or her future.

If you are part of this generation, you have an exciting life ahead of you. Here are three smart investments you can make this year and an experienced financial planner in Northern Virginia like AOG Wealth Management can help you with understanding these options:

Retirement Funds

Planning for retirement is an important step to make. To do this, you need to understand several investment philosophies and you will have to be strict with your spending habits. The great news is that many millennials are doing exactly that. According to the American Institute of Certified Public Accountants, over three quarters of Generation Y are into wearing the same clothes and using the same gadgets. You’d be surprised how these small practices can save you money over the long run.

Home Mortgage Assistance

Many first-time home buyers in the U.S. are from Generation Y, and new mortgage rules to be established this year are sure to be helpful. For one, the premium for borrowers with a Federal Housing Administration loan has been lowered from 1.35% to 0.85%. Through this mortgage assistance plan, millennials will now be able to more easily afford their first home. If you are planning to make this big step of buying a house, you will can talk to a financial expert, such as AOG Wealth Management, to help you maximize your resources.

Standard and Profit Sharing 401K

A 401K Plan is a tax-qualified and defined pension account that allows workers to make pre-tax contributions. Since the contributions are automatically deducted from an employee’s paycheck, it makes saving easier. These investment methods have always been the most appealing to millennials. It actually makes sense because at the end of the day, millennials know that their primary means of saving is still in their workplaces.

If you need help with understanding your investment options, AOG Wealth Management has a team of financial advisors in Northern Virginia. We can help you choose the best investment plan. Aside from retirement funds, home mortgage assistance, and standard and profit sharing 401K, we offer plenty of other asset management services.

To learn more about our services, give us a call at (866) 993-0203. We’ll be glad to help you with your financial decision making.

Understanding the Essentials of ETFs and UITs

Sat, 22 Aug 2015 01:10:00 GMT

Understanding investments is an important part of choosing the right investments for your financial goals. Exchanged Traded Funds and Unit Investment Trusts are two options that can be the right investments for your portfolio. AOG Wealth Management examines both ETFs and UITs to help you understand what makes them unique and their benefits.

Exchanged Traded Funds (ETFs)
Initiated in the late 1980s as an alternative to mutual funds, ETFs are marketable securities that track indices, commodities, and bonds. These differed from mutual funds in that these trade like common stock. ETFs are attractive to those seeking wealth management investments in Reston and the surrounding areas because these have higher liquidity on a daily basis and lower fees. All these make ETFs particularly attractive to individual investors. Advantages include:

Unit Investment Trusts (UITs)
The “unit” from the trust comes from redeemable options offered by investment companies for specific periods of time based off a fixed, unmanaged portfolio — usually of stocks and bonds. Brokers handle these sales at a steady price of $ 1,000. These UITs can then be resold at the secondary market at an investor’s discretion. You may find that UITs can be a grantor trust — granting investors ownership proportional to the UITs’ underlying securities. These can be a regulated investment corporation as well, with investors jointly owning the corporation. The advantages of UITs include:

If you experience any trouble discerning which option suits you, give AOG Wealth Management a call. We’ll be more than happy to help with your financial decisions. We aim to continue building the strong foundations of relationships that allow us to provide you with exceptional wealth management.

What’s Next with The Federal Reserve Increasing Interest Rates

Thu, 13 Aug 2015 01:10:00 GMT

Since December 2008, the Federal Reserve has pinned its interest rates to nearly zero. This was to help struggling businesses all over the country stay afloat when the US economy plunged during the 2007-2009 economic recession.

The US economy has since managed to get back on track. Asset management in Washington, DC and the greater Metro DC area has been an important part of their overall economic recovery. That has led most economists to say that the Federal Reserve will probably begin to raise short-term interest rates this September. The Wall Street Journal recently conducted a survey, which revealed that most economists foresee a rate rise next month, while a few said that the Fed might wait until December. Chad Moutray, National Association of Manufacturers chief economist, said, “The Federal Reserve continues to message that it intends to normalize rates this year, and with rebounding activity in the coming months, September continues to be the leading candidate,”

How Interest Rates Affect Us
With the inevitable rise in the Federal Reserve’s interest rates, this will influence the stock market, and eventually cause a ripple effect to all of us. It will become more expensive for banks to borrow money. Once this happens, expect credit card and mortgage rates to increase.

Seek Professional Advice
That is why when it comes to managing your funds, stocks, bonds, and even your debt, make sure to hire the services of the reliable Potomac asset management company. Since 2000, AOG Wealth Management has been providing our expertise on managing finances to our clients in Northern Virginia, Washington DC, and Maryland. We also provide wealth management services in a boutique setting, customizing portfolios to each client based on their risk/reward profile.

For professional advice on asset management, contact AOG Wealth Management and we will help you accomplish your financial goals. We will make sure to help you even when the Federal Reserve starts to raise its interest rates. To work with our wealth management team, contact us today.

Money Talk: Credit Market Analysis and Predictions

Sun, 09 Aug 2015 01:10:00 GMT

In the world of investments, there are two particular asset classes that are important to understand: high-yield bonds and senior bank loans.

High-yield bonds are bonds with lower credit ratings than the likes of treasury and corporate bonds; they are so named because the higher risk for default means higher yields. Meanwhile, senior bank loans are financial commitments issued by financial institutions that take priority with regard to a borrower’s assets. Should the borrower go bankrupt, the assets used to acquire the senior loan will be the first to be repaid before all other obligations.

Both attract investors thanks to their yield-generating qualities. AOG Wealth Management has taken a look at their market performance and here’s what we think is in store for these two asset classes.

Consistent Performance

Both started the year at largely attractive valuations. Partially influenced by rumors of Federal Reserve System (Fed) interest rate increases later on in the year, senior loans and high-yield bonds showed a stronger performance relative to traditional interest rate-sensitive fixed-income securities (investment grade corporate bonds and U.S. Treasuries, for example).

Interestingly, credit market returns waned ever so slightly compared to the first quarter. Experts believe a number of factors may have been responsible for this such as market volatility caused by Greece’s possible withdrawal from the Eurozone and weak commodity prices−specifically in the oil, coal, iron ore, and natural gas markets.

But does this mean you should pull out from the credit market? Some wealth management firms in DC don’t believe so. In fact, the second quarter moderation in these assets may be pointing to greener grass ahead.

Positive Outlook

Overall, the dollar remains strong and the country may be approaching potential interest rate increases in the near future, despite low yields in the rest of the world. Thanks to a slowly but steadily recovering economy, improving profitability, and conservative balance sheets, we believe senior loans and high-yield bonds to be well-positioned within the fixed-income market for the rest of the year.

Even returns look like they’ll pick up soon enough. After all, high-yield bonds currently remain attractive with yields at 6.51%. This calls for active rather than passive decision-making on the part of credit market players.

Additionally, if the Fed does get around to increasing rates later on in the year, it’s likely that the demand for senior loans among retail investors will pick up too. This secures this asset class’ position within the capital structure, making investing in it much more attractive and rewarding.

Economic predictions are just that. We try to anticipate what will happen. However, our focus is on making sure our clients are doing what they should to meet their financial goals. We recommend talking to one of our financial experts for asset and wealth management in Washington, DC to make sure your financial plan is matched to your goals and investments.

AOG Wealth Management specializes in financial planning solutions. We can help take care of your funds, trusts, bonds, stocks, investments, and other financial resources. Give us a call (866) 993-0203 to get started.

Why Politicians Should Stop Giving Investment Advice

Thu, 30 Jul 2015 01:10:00 GMT

When it comes to wealth and investment management, you should never get advice from politicians. It’s been almost seven years since the last global economic crisis, and we’ve actually gained significant ground since then. In fact, since the weekend when Lehman Brothers filed for bankruptcy in mid-September of 2008, the total return on the S&P 500 of 93% completely outperformed gold, which rose to a whopping 52%.

The Government’s Scare Tactic

However, politicians—from both the Left and the Right—are spinning economic doomsday stories to this day. They use the economic troubles of both China and Greece to feed the public with constant fear of economic plunge, sometimes causing investors to make bad investment decisions. And when their fear tactics work, both sides of the political spectrum can push on with their plans of more government intervention.

But based on what’s been happening in Greece lately, do we really want the government to have complete control over our stocks, bonds, and finances? We’ve been seeing the nation’s economic woes all over the news, so we should be aware that further government intervention can put a dent in or, worse, wreak havoc on our economy. If we want more sustainable economic growth, we should not let the government or media influence our decisions when it comes to financial matters.

Fighting the Culture of Fear

For sound investment advice, you should seek the help and guidance of experts like AOG Wealth Management – providers of wealth management services to investors in Reston and the surrounding area. Investing, managing finances and planning for the future can be intimidating for some. It requires a lot of time, effort and careful planning to ensure all your assets (e.g., real estate properties, bank accounts, stocks, bonds, pension, life insurance, and other investments) are well managed and properly arranged to be in line with your financial goals.

After keeping track of all your assets, you can invest and opt for a wealth expansion program, which experienced Northern Virginia wealth advisors like AOG Wealth Management can help you with. You can also set up an estate plan to make sure that all your assets will be inherited by the individual or individuals you wish to give your property to in the event that something untoward happens to you.

For a strategic diversification of your wealth and assets, call our advisory team at AOG Wealth Management today!

4 Things You Should Know about Estate Planning

Thu, 23 Jul 2015 01:10:00 GMT

When people hear the term “estate planning,” many think that it’s reserved only for the old and wealthy. This, however, is a common misconception. It’s not only for those who are retired and seeking to put their affairs in order, nor is it only for those who are wealthy. Estate planning is for anyone who has assets and wants them distributed as they wish and in an organized manner upon their death.

So what exactly is estate planning and why is it so important to you and your family? Here are four important aspects of estate planning:

It may not be apparent, but many of us own an “estate,” no matter how modest. Actually, the term is used to refer to everything that one owns, including real estate, bank accounts, cars, stocks, bonds, pension, life insurance, and other investments.

Estate planning, simply put, manages all your properties. It is the term used when you hire a Potomac asset management company like AOG Wealth Management to, for instance, keep track of all your assets, care for them, and create a comprehensive plan to expand their worth through other investments.

Aside from protecting your belongings, estate planning is also important if you want to protect your family’s future financially. None of us can be certain of what the future holds. For instance, medical emergencies, disabilities and death can come early for some. What, then, would happen to their families?

If you’re worried about these scenarios, estate planning can provide you peace of mind. It will ensure that everything you own goes to your loved ones should anything unfortunate happen.

When it comes to Potomac asset management , AOG Wealth Management will get you on the path to financial stability. We are the top asset management company in Maryland, Washington, DC and Northern Virginia that offers a complete analysis of your asset, portfolio and investment plan. We will come up with an estate plan to secure your family’s future. We can assure you that we will carry out all your wishes, specifically regarding whom you intend to receive something of yours, what you want them to receive and when they are to receive it.

Set your financial goals straight and secure your family’s future by contacting an experienced and reliable asset management firm serving the Metro Washington, DC area—AOG Wealth Management. Call us toll-free at 1-877-600-3573 today.

Effects of Income Redistribution

Thu, 16 Jul 2015 01:10:00 GMT

President Obama’s latest income tax plans have been raising a few eyebrows. Some people ask if redistributing income this way will really help the economy. This debate on the effect of redistribution on equality has been going on in the economic community for a while. The relationship between these two ideas, unfortunately, is not that simple.

This new income tax package can change the face of the age-old “redistribution versus equality” discussion. It can also affect your investments down the line. If you’re planning to invest, first discuss the issue with your financial planner in Northern Virginia . It pays to know the basic arguments:

Inequality causes slow growth—that’s why we need redistribution.

On one hand, some economists insist that redistribution is the proper solution to poverty. To shrink the growing gap between the rich and the poor, why not redistribute income? On the surface, the plan seems sound.

Suppose there are 10 people living on an island. Among them, one is extremely able (i.e., “Able Abel”), the other eight are partially able, and the last one is extremely unable (i.e., “Hapless Harry”). In the redistribution scenario, Abel could be working to feed everyone on the island.

Redistribution by its very nature causes inequality.

Some economists believe that redistributing Abel’s income is counterproductive. It actually adds a new dimension to the inequality already present on the island from the start (those who can work versus those who cannot, those who can work extremely well and those who are only average). Some analysts fear that this can lead to drastic unemployment.

Historically speaking, the bigger the government has grown, the slower the economic growth, especially when redistribution policies became more prominent. Around the time of the 2008 economic crisis, for example, where inequality and unemployment values were highest, redistribution rates were higher as well.

Redistribution can alleviate inequality—up to a point.

There are analysts and financial advisors in Northern Virginia and the rest of the country who hold a less-extreme opinion on the debate. After all, the island analogy is heavily simplified. While it helps us make sense of daunting concepts, like all other analogies, it’s not always accurate when applied to actual situations.

In reality, perfect equality and perfect income efficiency cannot exist at the same time. Redistributing income will help bridge the inequality gap, but only up to certain point. Beyond that, you lower the incentive for both business and innovation. If you take away favorable financial rewards, fewer individuals and companies would go into business or invest in technology. At worst, the economy could come to a standstill when investments stop coming in.

AOG Wealth Management excels in handling your investments amid changing economic policies. Whether the new tax package will continue to raise questions, we can have your financial resources backed up by an efficient plan. Contact us at (866) 993-0203 to start preparing your financial future today.

Rainy Weather Does Not Dampen Great Falls Independence Day Celebration!

Wed, 15 Jul 2015 01:10:00 GMT

As a Preferred Partner of Celebrate Great Falls, AOG derives a variety of opportunities to network with local residents while touting their boutique wealth management offerings and attention to customer service. Established in 2000, AOG Wealth Management has served Northern Virginia, D.C. and Maryland as an independent Registered Investment Advisor (RIA) specializing in managing wealth for high-net worth individuals, companies and endowment funds. Continue your journey to financial freedom through AOG investment strategies that go beyond the traditional asset classes of stocks, bonds and cash. By engaging an endowment-style model, AOG adds up to five non-traditional asset classes with low correlation to the stock market – a model that forces a “buy lower” and “sell higher” discipline. To learn more about AOG Wealth Management and its services, visit our Web site at aogwealth.com or contact us at 1-877-600-3573.

Retirement 101: 3 Reasons to Invest in Stocks

Thu, 09 Jul 2015 01:10:00 GMT

Proper planning and wise asset management can help lead to attaining financial security once you’ve retired. Investment growth generally occurs over longer periods of time so starting early and investing in a consistent manner by working with an experienced wealth management firm serving investors in the Metro DC area is a good place to start.

Here are three reasons to invest in stocks:

Some economists think that the S&P 500 is still currently undervalued—soft total profits in the first quarter of the year considered. Using a capitalized profits model to evaluate stock market values, you’ll find that S&P 500’s “fair value” is at 4,335.

This number seems too high, but it’s all by design. The Federal Reserve holds down discount rates to keep short-term values at a minimum. With a 4% 10-year discount rate instead of the Treasury’s current 2.35% rate, you’ll get a fair value of 2,550.

This computation shows that the bull market still has a long road ahead of it. It’s never too early to start talking to wealth management firms serving the Metro DC area about investing.

The energy sector did take a hit recently. Prices for oil and natural gas went down by about 40% from last year’s figures. At face value, that would seem alarming.

However, you have to remember that energy is only one sector of the market—and a rather small one at that. To date, the energy sector accounts for only 3% of overall corporate profits. When you invest in stocks, it is best to have a wide variety of stocks across multiple industries that account for the ups and downs that inevitably hit certain sectors.

Silver linings do exist in the market, after all. The idea is quite simple. After pulling out their resources from a weakened section of the market, consumers and businesses will turn to other products and investments. In other words, weak earnings in one part of the market is bound—over time—to generate higher earnings in other sectors.

There are no shortcuts to financial security, but investing in a diversified set of stocks as a long term strategy can be beneficial. If you’re thinking about retiring, contact an expert in wealth management serving DC , Maryland and Northern Virginia investors to help you evaluate your investments options.

Turn to AOG Wealth Management. We can help you jump-start your retirement plans with a solid investment management program. Give us a call today at (866) 993-0203 to learn more about what we can do for you.

Investments: Five Popular Stocks For Baby Boomers

Thu, 25 Jun 2015 01:10:00 GMT

According to Pew Research, Baby Boomers—those between 1946 and 1964—are turning 65 at a rate of 10,000 per day, and this trend is expect to last until around 2030. The Baby Boomer generation represents nearly 20% of the American public, making them a significant part of the economy.

If you’re a Baby Boomer thinking about your retirement and looking to invest in stocks, AOG Wealth Management, a Potomac asset management company, can help you understand investing trends. We can handle your assets for you to be able to plan your retirement, matching your investments to your financial goals.

Popular Stock Options for Baby Boomers

Forbes recently released their observations of the stock portfolio trends of Boomers. According to the article, the average 65-year-old couple is going to need $220,000 to pay for medical expenses throughout retirement. If you want to retire comfortably, you have to start making the right choices when it comes to investment and asset management. Investing in stocks generally is a good way to grow your nest egg, and among Boomers, these five stocks are among the top choices: (1) Johnson & Johnson, (2) Apple, (3) General Electric, (4) Microsoft, and (5) AT&T.

If you’re planning to invest in these companies or if you’re looking to explore other investment options, allow AOG Wealth Management to assist you.

Getting the Asset Management You Need

With the right planning, AOG Wealth Management can help you save for your retirement. Our planning solutions will be tailor-fit to your specific needs, circumstances, and goals. If you’re planning for retirement and looking to invest to do so, we will be creating the solutions to help you reach your goal, such as providing you with real investment options.

We specialize in retirement planning and creating retirement income solutions. Whether you’re still working or already retired, we have the products and services necessary to achieve your financial goals.

Not only will we be helping with retirement planning and investments, we can also assist you with your other needs like tax planning and insurance. Learn more about investments and asset management in Washington, DC . Feel free to give AOG Wealth Management a call today!

Investing in Technology Stocks: Semiconductor Industry

Thu, 18 Jun 2015 01:10:00 GMT

Are you looking for investment opportunities across various markets? While there are several industries that you could invest in, it is important to be diversified across industries while working with a financial advisor that is constantly looking for market opportunities.

For example, if you’ve been considering investing in technology stocks, you should take note of semiconductor sales. Why? Allow a reliable financial planner in Northern Virginia like AOG Wealth Management to discuss this further.

Why Should You Pay Attention to Semiconductor Sales
We have several observations on semiconductor sales that may make investing in this industry enticing for suitable investors. Semiconductors play a vital role in most technology-oriented products such as smartphones, tablets, and other electronic devices.

By tracking the sales of semiconductors worldwide, investors can attain more insight on the demand for these products and the overall conditions for investing in technology stocks. As a matter of fact, in March of 2015, the Semiconductor Industry Association has reported that global sales had increased on a year-over-year basis for the twenty-third consecutive month.

In the first quarter of this fiscal year, global sales were up by 6% on a year-over-year basis. In March, sales were also up 6%. These gains are encouraging for potential investors, considering that in 2014, $335 billion worth of sales were posted.

Who to Hire for Your Financial Planning Needs

Investing in technology stocks or stocks in any other industry is an important decision to make, but if you aren’t familiar with the particular industry, you could be throwing darts. AOG Wealth Management can help. We will assist you by looking at your portfolio and identifying opportunities to better diversify your investments and point out opportunities to invest in robust markets.

When it comes to investing in the stock market, you need to make sure you’re making the right choices. If you’re looking for a reliable financial advisor in Northern Virginia that will make sure your investments are suitable to your situation and overall goals, AOG Wealth Management can help. Learn more about investing in specific markets such as semiconductors and other industries by giving us a call today!

Infographics: What is Wealth Management

Tue, 16 Jun 2015 01:10:00 GMT

Want to know more about wealth management? Get to understand what it is through this simplified visual guide – and see if it is for you.

The Greek Economic Crisis and the U.S. Economy

Thu, 11 Jun 2015 01:10:00 GMT

The U.S. economy didn’t do very badly this quarter. Growth slowly picked up in the spring and early summer. What’s more, according to MarketWatch, the U.S. economy is set to expand by at least 2% in the second quarter. Consumers are spending at a moderate pace and they’re moving the economy along.

As the U.S. market continues on its path, Greece’s economic crisis might just cause some ripples. Consider speaking with a wealth management firm serving Washington, DC area investors – AOG Wealth Management. Here’s how the Greek economic crisis may affect U.S. investors.

How Greece’s Economic Crisis Affect the US Market

Greece’s dilemma is not just their own. It can cause massive headaches for the U.S. and the rest of the world. For example, because both the U.S. and Europe are key players in export, a dropping euro might make it more difficult for American companies to sell goods abroad. A major slowdown will mean less revenue for American businesses and fewer jobs.

According to one economist, Europe’s last best hope could be a recession. Anything else might put their growth strategy at risk. For one, growing unemployment rates in Greece are already dampening American sales.

Why Wealth and Asset Management is Important

It’s necessary to protect your investments from economic bumps in the road. The complications of the European debt crisis are plenty and far-reaching, and you need to be aware of how this may affect your investments.

Many people think that wealth management is only for those with large amounts of invested assets. That’s not the case at all. By actively safeguarding your assets, you’d be surprised how much it can grow over time. Wealth management can help you determine your monetary goals early and create actionable strategies to make them happen—even amid the economic crisis de jour.

AOG Wealth Management is one of the best wealth management firms serving the DC Metro area that provides reliable investment management services. Every individual has specific goals, so we custom-fit our approach to match your unique financial needs. We help you understand your investment options, as greater wealth requires better management.

At the same time, we make it our goal to discover exclusive financial opportunities for you. We can help you experience improved yields, managed liabilities, reduced taxes, and protected assets. To learn more about our services, call us at (866) 993-0203 today. Our wealth management experts will be ready to take your call.

5 Things to Keep in Mind When Investing this Summer

Thu, 04 Jun 2015 01:10:00 GMT

We’re well into summer, and many are asking how the U.S. market is doing. Is there a way to prevent the Federal Reserve from moving interest rates? Will this be a good time to invest? How will this affect stocks?

If you’re considering working with a NOVA wealth management firm or planning to invest this summer, you might want to consider these five themes:

While the current state of the U.S. economy poses a lot of uncertainties, there is one thing you must be sure of: that you can’t wait to plan for your retirement due to uncertainty…there will always be economic uncertainty. Working with a Reston wealth management expert—such as AOG Wealth Management – can help you navigate economic uncertainty and make the investment decisions that are suitable for your situation and financial goals.

We believe in accountability, teamwork, accuracy, responsiveness, client satisfaction, integrity, loyalty, respect, and continuing education. These principles enable us to provide dependable asset and wealth management services amid economic uncertainty.

For reliable investment management services this summer, call us at (866) 993-0203. We will be ready to assist you on your wealth management needs.

Presidential Elections, Stock Markets, and Your Finances

Fri, 29 May 2015 01:10:00 GMT

Come election season, theories will be batted around about the influence of the next White House occupant over the stock market. Some people seem to believe that whoever emerges as the victor in the election has tremendous control over the U.S. economy. In this entry, we take a look at some of the theories that have popped up in the previous elections and what they can mean for your personal finances.

Are Presidential Elections and Stock Markets Related?

Back in 2012, voters faced a very difficult choice: Republican victory meant radical changes in tax code, healthcare, foreign policy, while the win for the then incumbent Democrat President meant a continuation of the policies championed in previous years.

But the outcome of the election is not just about policy. According to some observers, the stock market could take a hit too depending on who wins an election. They point to historic data to support this claim. In 1937, during Franklin Delano Roosevelt’s first year as president, the market was down by 27%. In contrast, the Dow Jones Industrial Average went up by more than 36% after Bill Clinton’s election.

However, many analysts retain that telling how stocks will behave based on who occupies the White House is a futile pursuit. The stock market in particular will always be to some degree unpredictable. The more important thing is being proactive in managing your personal assets.

Is There Something You Can Do About It?

Hiring Northern Virginia wealth advisors is a good way to start. Election or not, matters such as retirement and wealth management should be big on your list. Don’t miss out on an excellent investment opportunity just because the political playing field isn’t going where you expected it.

In order for you to make the right decision, you need to hire services of a professional asset management company—such as AOG Wealth Management.

We can provide exclusive financial services regardless of who’s in the White House. We can manage your existing assets or make investments on your behalf. We also perform expert financial planning to help you hit your money goals and prepare for future needs.

Another presidential election is coming in 2016. You can turn to us for your wealth management needs in Reston, Great Falls, Ashburn and the surrounding Metro DC area in preparation for this event as well as the important upcoming events in your life. Give us a call at (866) 993-0203 to get started today.

First Trust is a Standout at AOG’s Annual Energy Panel Forum & Economic Outlook Event

Wed, 27 May 2015 01:10:00 GMT

AOG Wealth Management held its 3 ^rd annual Energy Panel forum event, combined with an economic outlook presentation provided by Bob Stein , Deputy Chief Economist with First Trust. The event was held on May 7 ^th at the Tower Club in Tyson’s Corner, VA and welcomed over 50 accredited clients. Attendees dined while listening to Mr. Stein’s perspective on how the ever changing U.S. political climate impacts the economy, and how those changes then impact the investment community. Bob Stein is Deputy Chief Economist at First Trust Advisors L.P. where he is responsible for forecasting and analyzing economic indicators as well as writing economic commentaries. Immediately prior to joining First Trust, Mr. Stein was Assistant Secretary for Economic Policy at the U.S. Treasury Department.

In addition to Mr. Stein’s compelling U.S. Political and Economic Outlook presentation, AOG’s CEO & President, Fred Baerenz, moderated a panel of industry experts in the field of oil and gas investments. Panel members included the Director of Marketing from one of the United States’ most prominent independent oil and natural gas producers in the Anadarko and Permian Basins of Texas, Oklahoma and New Mexico. The company’s success over the years can be attributed to a conservative approach to the business and a philosophy of managing all phases of operations from “prospect to pipeline.” Joining the oil and gas investment representative was Steve Bailey . Bringing thirty years of experience on Capitol Hill, the Executive branch, and the private sector, Mr. Bailey manages the budget and tax practice for Heather Podesta + Partners. His in-depth knowledge of tax policy and politics is rivaled by few others and offered a unique view of the impact of Capitol Hill on a variety of investment opportunities. In addition, Mr. Stein joined the panel and provided significant insight on the relationship between politics and energy and oil investments. Fred posed a number of intricate questions to the panel such as:

AOG attendees then participated in a Q&A with Fred and the panel members. The event was overwhelmingly well received and provided an excellent educational forum for AOG’s clients. Since the event, please review the attached link to the Wall Street Journal entitled ‘Oil Prices: Where Next? Here are the Forecasts’. Global experts expect oil to trade on the Nymex Futures Market between $52 and $75 in 3Q15 and between $53 and $83 in 4Q15.

To learn more about AOG Wealth Management and its specialized approach to institutional-quality wealth management advice and asset management, please contact us at 1-877-600-3573 or visit AOG on the Web at aogwealth.com .

Disclosure Statement :

Oil and gas exploration, development, and production activities inherently involve highly speculative activities in which results cannot be exactly predicted and which necessarily involve risk of loss of one’s entire investment. Investment in the partnership is suitable only for “accredited investors” within the meaning of Regulation D defined by the Securities and Exchange Commission under the Securities Act of 1933 and amended by the The Dodd–Frank Wall Street Reform and Consumer Protection Act which requires investors to possess the financial ability and willingness to accept the high risks and lack of liquidity inherent in the partnership. All of the information furnished in connection with a partnership is derived through the use of scientific or other techniques associated with the oil and gas business, and, as such, should not be relied upon as statements of fact. Any reserve estimates, price calculations, price forecasts, exploration potential, predictions, or similar information contained in the material furnished in connection with a partnership are, or may well be, estimates only and may not be indicative of actual results. Legal and Tax professionals should be consulted before any investment is considered in a project.

Fed Rate Hike: How it Can Affect You and What You Should Do

Fri, 22 May 2015 01:10:00 GMT

Up until a few months ago, some economists were convinced that interest rates are going up in June. However, according to more recent reports, Federal Reserve officials are not seeing that possibility just yet. June is an untimely date, they say. Besides, the date of the first rate hike is not as important as the pace of the increases.

As an independent worker, you need to play your cards right and know your investment options before the hike really sets in. Now is the perfect time to get in touch with an asset management company serving Potomac and the Metro DC area.

What a Fed Rate Hike Means for You

According to CNN Money, raised rates will affect everyone. So long as you have money in the market, the Fed’s policies will trickle down to you in some way. The thing you have to remember is that rate hikes aren’t always necessarily destructive.

An obvious reason the Fed might implement a future rate increase is because the employment market is improving. Millions of jobs have been added in the past year. If anything, a rate hike this year is an indication that the economy is healthy.

Once rates increase, chances are a higher yield on a wide range of assets will also emerge. These include savings bonds, short-term bond funds, and money market funds. If you’re a saver, you might profit from this. The rate hike might finally let you own safe assets as well as earn some yield.

Why You Should Work With Us Today

You have plenty of options to prepare for the hike: you can invest in high yielding and emerging market bonds, or as some financial advisors would recommend, in multi-sector credit and unconstrained bond funds.

But most of all, you need someone knowledgeable to help you make the right decision. The experts at AOG Wealth Management do exactly that. We have a professional team that helps you manage your investments. Our specialists have experience working on tax exchanges, stocks, brokerage accounts, individual retirement accounts, and more.

Let our asset management experts serving Potomac and the greater Metro DC area help you determine the most suitable course of action in the event of a Fed rate hike. Call us at (866) 993-0203 to learn more about our services.

The Third Pillar: The Federal Reserve and Its Triple Mandate

Fri, 15 May 2015 01:10:00 GMT

The Federal Reserve’s dual mandate is common knowledge among key players of the financial world—maximum employment as well as price stability. Yet some financial advisors in Northern Virginia and elsewhere in the country are convinced of a third component.

Double-Edged Sword

The Great Depression of 1945 resulted in massive unemployment and production concerns, creating unstable markets and uncertain economic transitioning. Congress reacted by passing the Employment Act of 1946, a law aimed to resolve unemployment and price stability issues.

With the 2008–2009 financial crisis, it became the Federal Reserve’s responsibility to solve the crisis. However, this twofold responsibility or mandate has since met mounting criticism. While there’s hardly any doubt of the Fed’s ability to address inflation and deflation issues, not many believe that it can administer the necessary fiscal policies to achieve full employment.

Three Pillars

Despite (or perhaps precisely because of) rising criticism, some analysts have recently decided to add a third component into the mix: stable financial markets. The idea is that if you have a market that’s too weak, the Fed might have to ease up a bit. Conversely, if the market is in bubble territory, it might need stricter policies.

Today, many discussions within the financial community concern a potential interest rate hike by the Fed. While inflation and deflation are certainly not among the Fed’s worries right now, the condition of both job and financial markets clamors for tighter policies.

Specifically, employment statistics back in March were already very close to the Fed’s target (actual unemployment rate was at 5.5%, with the Fed target between 5.0% and 5.2%). Initial claims are also at cycle lows. While the stock market remains generally undervalued, it’s not as cheap as a few years ago. Ultimately, a rate hike in the latter half of the year is only expected to strengthen the economy further.

While remaining largely optimistic about economic growth in the coming years, AOG Wealth Management understands exactly how uncertain market conditions can be. We recommend enlisting the help of a professional financial planner in Northern Virginia to help you plan your financial future—no matter where the economy is headed.

Contact our team of industry experts and financing advisors to get your plans started.

4 Things to Expect from the Investment Industry in 2030

Fri, 08 May 2015 01:10:00 GMT

How will the investment industry look in 2030, a mere 15 years from now? The world today is very different from the one our parents, grandparents, and even great-grandparents knew many years ago. A decade and a half from now, we can only expect things to change even more.

In the realm of finance and investment, analysts agree that certain trends—or, to quote KPMG, “megatrends”—have already begun to drive a major transformation. We discuss four of them here:

1. The Role of Technology

As client needs change, newer business models have emerged to meet them. One such model causing waves today is financial technology. By maximizing the technology they have in hand (including the Internet), these “fin-tech” firms are changing the way people go about banking.

Picturing today’s youth with their laptops and lattes managing these fin-tech start-ups, you may think it’s all hype and will pass soon enough. Looking at the growth rates and profit margins of these young firms, however, it looks like they’re here to stay.

2. Future of Investment

Once built on the backs of the baby boomers, the industry is now experiencing a generation shift. It’s leaving the reins in the hands of a younger, more dynamic client group—the very one that’s leading the fin-tech megatrend.

Additionally, the “face” of investment now may hardly be recognizable in 15 to 30 years. We expect that the investors of 2030 and beyond would be much more mobile and global. They’d be more connected and come from a more diverse demographic than the clients of investment managers today.

3. Importance of Trust

We also expect changes in the way financial institutions deal with their customers. Trust is already becoming a big component of the total customer experience. The idea is to build mutual trust through honest and transparent financial services.

Many professional asset and wealth management firms in DC are already adapting this “trust paradigm.” AOG Wealth Management, for example, operates on this very principle. Since investing is an important aspect of securing your financial future, seeking the help of a professional you can trust is necessary.

4. Evolution of Outcome-Oriented Solutions

According to KPMG, we’ve started to see this trend emerge in the country already. Outcome-oriented solutions differ from the traditional approach in that they focus more on the customer and less on the product. It zeroes in on the problem and devises strategies to help clients get what they really want.

AOG Wealth Management uses this approach. The first step is to set personal investment goals, whether that means setting up a retirement fund, college savings, or mutual fund. Then we’ll establish a financial planning program through which our asset and wealth management DC professionals can help you meet your goals.

Whether these megatrends in the investment industry will stay, one can’t really say. No one can comprehensively predict the future, after all. But AOG Wealth Management can certainly help you prepare for it. Contact us today to learn more about our financial services.

Basic Steps for Wealth Management

Fri, 24 Apr 2015 01:10:00 GMT

Despite the recent decline in retail sales, experts are still optimistic that the economy will be stronger. According to Bloomberg , the United States is a likely to power world growth in 2015. While U.S. investors may still be cautious, it’s important to look at the economy as a whole.

The economy may not look as strong as we would like, but it’s hard if not impossible to predict when and for how long the economy will be back . Therefore it is best to always be saving, investing and stay in the stock market versus getting in and out of the market. Proper allocation of finances, making wise investments and creating financial goals are key actions to creating a strong financial plan. So whether you are still working or already retired, it’s never too early or late to hire a local NOVA wealth management firm like AOG.

Secure Your Lifestyle and Financial Future

Hiring a local firm like AOG Wealth Management to help you manage your investments can help you reach your full financial potential. However, you first need to understand that it’s not all about investments. Sure, it’s important to know where all of your assets are being invested, but you need to start with your most valuable asset: yourself. Your skills and experience are the biggest assets you have at the moment, which are essential in achieving financial independence and security.

Next, don’t just be an ordinary investor, but become a wise planner too. Many people who have planned for their future ended up with a happier and wealthier lifestyle than those who simply saved up until their retirement. So along with your saving and investing, you need to know your financial goals and options. Don’t just save in a bank—talk to the experts and start to capitalize on what you’re currently earning.

Help Is at Hand: AOG Wealth Management

Conventional thinking results in people saving consistently for their retirement. Proper planning is the key to developing your savings. At AOG Wealth Management, we can help you do just that. We can help you identify your unique investment goals and work with you to achieve them. We have sophisticated wealth management solutions for Maryland, DC and Virginia an investors based on your particular needs, conditions and financial goals.

Our planning solutions include retirement planning, tax plans, trust and estate plans, money purchasing plans, profit-sharing plans, irrevocable life insurance trusts, charitable remainder plans, foundation trusts, cash balance pension plans, and more. In addition, our investment solutions include bonds, common stock, 1031 DST tax-deferred exchange, traditional IRA, simple IRA, educational IRA, brokerage accounts, treasury bills, government securities, treasury notes, and variable annuities.

At AOG Wealth Management, we help people become good stewards of their wealth, and we provide detailed financial solutions. Learn more about our services by calling us at (866) 993-0203 today.

AOG Welcomes ARC Hospitality for Client Education Seminar

Sat, 18 Apr 2015 01:10:00 GMT

AOG Wealth Management held a Client Education Seminar on March 31st at Ruth’s Chris in Tyson’s Corner, highlighting one of the many unique investment opportunities offered to our clients. The event was hosted by ARC Hospitality and welcomed over forty-five AOG clients who listened to Jonathan Mehlman , Chief Investment Officer and President, of ARC Hospitality present the benefits of investing in hospitality real estate. In addition, James Carroll , President and CEO, of Crestline Hotels and Resorts, participated in the Q&A session.

Mr. Mehlman was appointed Chief Executive Officer and President of ARC Hospitality in November 2014. Previously, he served as Executive Vice President and Chief Investment Officer of ARC Hospitality, its advisor and its property manager since their formation in July 2013. Mr. Mehlman has 22 years of experience in the real estate investment banking and capital markets with significant focus in the hospitality sector. Within the real estate industry, Mr. Mehlman has acted as a Mergers and Acquisitions advisor, investment banker and lender and has many years of experience coordinating transaction activity for public and private global hotel brands and US hotel REITs. From August 2012 until January 2013, Mr. Mehlman was co-head of the real estate advisory group at KPMG before joining American Realty Capital in January 2013 as an Executive Vice President and Managing Director. Mr. Mehlman received his bachelor of art in art history from the University of Michigan as well as a master in business administration with a focus in real estate and finance from the University of North Carolina.

Mr. Carroll joined Barceló Crestline Corporation in 2004 from Dell, Inc., where he held several operations and financial management positions. In his initial role at Barceló Crestline, Mr. Carroll served as SVP & Treasurer. In 2006 he was promoted to CFO, and in 2010 was promoted to President & CEO of Crestline Hotels & Resorts. As CEO of Crestline, Mr. Carroll has responsibility for all corporate functions, and the management of the Company’s portfolio of 45 managed properties throughout the United States. In addition, he oversees the company’s portfolio of owned assets. Mr. Carroll holds the degree of Master in Business Administration from the Harvard Business School, and is a graduate of the U.S. Naval Academy. Previously, he served as a Naval Aviator and Lieutenant Commander in the United States Navy. In addition, Mr. Carroll serves on the Board of Directors for Armada Hoffler Properties, Inc. (NYSE: AHH) and for ServiceSource, Inc.

ARC Hospitality will seek to primarily acquire select-service and full-service hotels, and is affiliated with major brands such as Marriott, Hilton and Hyatt. The hotels are located in high barrier-to-entry, supply-constrained markets near sustainable growth diverse demand generators. Properties are well-maintained, with minimum deferred maintenance or renovation required, and purchased at a discount to replacement cost. ARC Hospitality recommends investing in the hospitality sector for the following reasons:

ARC Hospitality believes there are strong underlying hotel fundamentals providing opportunities to its investors:

The Importance of Proper Asset Management

Fri, 17 Apr 2015 01:10:00 GMT

Effective asset management by financial advisors in northern Virginia can potentially save you time and money, in addition to saving you from the tedious task of monitoring your assets. A skilled financial advisor also has the power to make individuals feel more secure, knowing that their asset management needs are in good hands. Whether you are working or retired, you can get the most out of your assets by working with a financial advisors in northern Virginia such as AOG Wealth Management.

Why Asset Management Is Important

A helpful way to correctly allocate your hard-earned money during retirement is to secure the services of a financial planner. Here are some benefits of asset management:

Asset management is all about smart stewardship. If your financial goals include protecting your wealth while growing it steadily, then our strategies by our Northern Virginia financial advisors can help you achieve them. With more than a hundred years of combined experience, AOG Wealth Management’s advisory team has the necessary expertise you can count on. Just call us at (866) 993-0203 today to know more about our services.

Managing Your Assets When There is Economic Uncertainty

Fri, 10 Apr 2015 01:10:00 GMT

The declining national unemployment rate to 5.5% triggered speculation among investors of the Federal Reserve’s possible raising of interest rates. What does this mean for both working and retiring individuals? Naturally, you would want to get the most out of your investments, so if you think interest rates are going to increase soon, should you hurry up and purchase that new car or house to lock in today’s low interest rates before they go up? And what impact does this economic news have on the stock market? If you want good financial stewardship, consult a local wealth manage firm, like AOG. We can help you navigate these questions and understand how they affect your personal financial situation.

Wealth Management Solutions for DC , Maryland and Virginia Investors

We are an asset management company that specializes in providing sophisticated solutions for your unique needs, goals and circumstances. Whether you are still working or have already entered retirement, you still need to watch your investments to achieve your financial goals. For people who are preparing for retirement, we have the necessary tools to help you continue saving and growing your assets.

If you are already in retirement, we are an asset management company that can help you manage your finances in a way that will enable you to generate income. We have comprehensive investment strategies that will protect and preserve your hard-earned money. We don’t just provide wealth management solutions, we are also fiduciaries of your financial needs.

AOG Wealth Management: Unique Products and Services

To meet the varying financial goals of many people, we have designed several wealth management services. Our asset management practices are committed to providing you stewardship of your finances so you can continue to safeguard your assets. Among the services we offer are insurance portfolios, retirement funds, college savings plans and mutual funds. We have an experienced team of advisers that will guide you during volatile market conditions.

Our wealth management services are an investment advisory discipline that integrates a number of services for people who are seeking wealth protection and development. Our team is composed of certified wealth management professionals that have experience in estate planning, legal resources, investment management, tax preparation and planning, and retail banking.

As one of your local wealth management firms in the DC , Maryland and Virginia area. We can help you reach your full financial potential. Just give us a call at (866) 993-0203 today to learn more about our services.

The Fiduciary Standard and Its Importance to Investors

Thu, 09 Apr 2015 01:10:00 GMT

The fiduciary standard is emerging from the relatively unknown and becoming a mainstay of the investor-financial advisor relationship. President Obama recently gave a speech about the fiduciary standard, stressing that it should be used by more financial advisors. AOG Wealth Management, professional Potomac and Northern Virginia wealth advisors , discusses what the fiduciary standard is and why it is important to investors.

What is the fiduciary standard?

The fiduciary standard refers to the rules regarding the responsibilities financial service professionals have to their customers. Basically, it obligates advisors to put their clients’ best interests before their own. For example, let’s say two similar financial products have different costs. Under the fiduciary standard, an advisor must recommend the product that is most suitable for the client, even if it means the advisor makes a smaller commission.

Why is the fiduciary standard important to investors?

The goal of the fiduciary standard is to eliminate the conflict of interest that can exist when financial advisors recommend and sell investments to their clients. Placing a client’s interests ahead of your own is an important aspect in financial advising. Simply put, the fiduciary standard is there to protect investors. Investors therefore need to understand if someone selling them an investment is abiding by the fiduciary standard. Some do and some don’t. So be sure to ask.

How do I look for a financial advisor that I can trust?

Look for a financial advisor who is certified by the Certified Financial Planner Board of Standards (CFP Board). These certified financial planners (CFPs) advise on various financial issues, including insurance, taxes, and estate planning. They are also required to fulfill continuing education requirements.

AOG Wealth Management is an independent Registered Investment Advisor specializing in managing wealth for individuals, companies and endowment funds. As a boutique investment advisory firm, AOG serves clients by offering investment vehicles typically not utilized by larger wealth management firms by using a four-pillar approach combining investment strategies, tax efficiency expertise, legal / estate planning and risk management. Going beyond the traditional asset classes of stocks, bonds and cash, and employing an endowment-style model, AOG adds up to five non-traditional asset classes with low stock market correlation. Our model forces a “buy lower” and “sell higher” discipline providing asset management services to clients in Northern Virginia and Washington, DC – including Arlington, Reston, Great Falls, McLean, Vienna, Leesburg, and Georgetown . For quality asset management, call us at (866) 993-0203 or visit us on the Web at aogwealth.com today.

Optimizing Your Retirement Planning: Social Security Basics

Fri, 03 Apr 2015 01:10:00 GMT

Wealth management for Washington, DC area workers is something to understand early on in your working career in order to maximize your retirement benefits. Social Security is a good place to start since there’s a reminder on each and every one of our paychecks and the building block for most of our retirement plans.

As your local wealth management firm, at AOG we have tips on how to manage your Social Security planning.

1. Review your earnings record. Examine your earnings record from your latest statement. Check if the information is accurate or if there are any missing years. Then if you can improve your earnings through working longer, do so.

2. Apply for Social Security at the right time. Many people have the simplistic idea that they should take their Social Security benefits as soon as they are eligible. However, applying at the right time is essential in getting the most out of your Social Security benefits. For some, it may make sense to wait to take your social security benefits, especially if you are still working. We can help determine when it is best for you to take your social security benefits.

3. Understand spousal benefits. Another important aspect to understand about social security is the rules for spousal benefits. If you are married, one of you is qualified for a full spousal benefit, which is equal to half of your partner’s retirement benefit. On the other hand, let’s say you were married for 10 years and then divorced. Both of you may claim a spousal benefit based on the other’s retirement benefit.

4. Make the most of survivor earnings. Survivor benefits are for couples that have been married for at least nine months prior to the date of death. You will be entitled to as much as 100% of your deceased partner’s retirement benefit. However, your survivor benefit may be reduced, depending on when you are planning to take it.

Additional Tips:

As one of your local wealth management firms in DC , Maryland and Virginia, AOG Wealth Management is dedicated to helping you reach your financial goals. We offer institutional-quality investment management services that include retirement planning solutions, investment offerings, tax services and insurance. Just call us today at (866) 993-0203 to learn more about our services.

ETFs: Giving Investors New Options

Thu, 02 Apr 2015 01:10:00 GMT

ETFs are an increasingly popular option for investors. As NOVA wealth management experts, we can help you understand the benefits of ETFs and if they are an appropriate investment product for you.

What is an ETF?

ETF stands for “exchange-traded fund.” It is an investment fund that is traded on stock exchanges. It holds assets like bonds, commodities, or stocks and trades them near its net asset value over the span of the trading day. ETFs offer tax efficiency, low costs and stock-like features.

Good news for investors.

ETFs are giving investors new options. Currency hedging is one of the most popular trends in ETFs, especially over the past year. It can help provide clients with the flexibility of risk management in their portfolio. Over 2014, the number of currency-hedged ETFs has doubled because of the economic environment and the ongoing expansion of ETFs in the investment spectrum.

Currency hedging allows investors to gain the much-needed international exposure without the hassle of being affected by adjustments in the exchange rate. This is made possible by entering into a separate investment that spikes up when the currency falls against the dollar. Currency hedging measures the underlying currency exposure of the current holdings by partnering with another party to accept the returns on one currency in exchange for the other.

Currency hedging is now available to investors and is starting to be the next asset class that was once available only to institutions.

Who is AOG Wealth Management?

AOG Wealth Management is an independent Registered Investment Advisor specializing in managing wealth for individuals, companies and endowment funds. As a boutique investment advisory firm, AOG serves clients by offering investment vehicles typically not utilized by larger wealth management firms by using a four-pillar approach combining investment strategies, tax efficiency expertise, legal / estate planning and risk management. Going beyond the traditional asset classes of stocks, bonds and cash, and employing an endowment-style model, AOG adds up to five non-traditional asset classes with low stock market correlation. Our model forces a “buy lower” and “sell higher” discipline providing asset management services to clients in Northern Virginia and Washington, DC – including Arlington, Reston, Great Falls, McLean, Vienna, Leesburg, and Georgetown. For quality asset management, call us at (866) 993-0203 or visit us on the Web at aogwealth.com today.

The Correlation between MLPs and the Oil Industry

Thu, 19 Mar 2015 01:10:00 GMT

MLPs are an innovative investment commonly connected with the oil industry. This article reviews the basics about MLPs.

What is an MLP?

MLP stands for “master limited partnership.” It is a limited partnership that is publicly traded on a securities exchange. It ties the benefits of a limited partnership with the publicly traded securities’ liquidity. Master limited partnerships are limited by U.S. federal law to businesses using our natural resources, such as natural gas extraction, transportation and petroleum. To be able to pass for MLP status, a partnership must be able to generate at least 90% of its income from what the IRS considers as “qualifying” sources. MLPs are required to give distributions to their own unit holders on a quarterly basis. This includes limited partners and general partners.

What is the correlation between MLPs and the oil industry?

U.S. companies that own energy infrastructures are called energy MLPs. This includes natural gas, pipelines, oil, storage, gasoline, processing plants and terminals. Since MLPs need to derive 90% of their revenues from natural resources, they often resort to venturing into the oil business. This is because the gains in the oil industry have been so much higher compared with those in other industries.

Midstream MLPs are those primarily involved in the collection, storage and transportation of oil and gas. They earn their money based solely on the storage and transportation of fuels.

Who is AOG Wealth Management, and what do we do?

AOG Wealth Management is an independent Registered Investment Advisor specializing in managing wealth for individuals, companies and endowment funds. As a boutique investment advisory firm, AOG serves clients by offering investment vehicles typically not utilized by larger wealth management firms by using a four-pillar approach combining investment strategies, tax efficiency expertise, legal / estate planning and risk management. Going beyond the traditional asset classes of stocks, bonds and cash, and employing an endowment-style model, AOG adds up to five non-traditional asset classes with low stock market correlation. Our model forces a “buy lower” and “sell higher” discipline providing asset management services to clients in Northern Virginia and Washington DC – including Arlington, Reston, Great Falls, McLean, Vienna, Leesburg, and Georgetown. For quality asset management, call us at (866) 993-0203 or visit the Web at aogwealth.com today.

Part 3: Understanding Investment Fees: A Look at 401(k) Plan Fees

Tue, 17 Mar 2015 01:10:00 GMT

The High Cost of Retirement

A study published in 2012 by the Demos research and policy center indicates that higher-than-average fees on a 401(k) plan can, over the lifetime of a person’s participation in the plan, drain anywhere between $155,000 to $278,000 from the ultimate payout of the plan depending on the earning ability of the plan participant. That’s hardly a small amount of money no matter how much you earn. It is therefore natural for people participating in a 401(k) plan to want to understand what fees they are paying on their retirement plan, and if those fees are reasonable.

Despite federal law requiring full disclosure of fees on 401(k) plans, as well as the publication of numerous reports on the flaws and potential pitfalls of 401(k) plans, many people remain in the dark in regard to the fees they are paying on their retirement plans. Plans often involve obscure fees and services that revolve around the regular administration and management of the fund, and while some employers absorb these fees as part of their retirement plans for their employees, many do not. It is exactly these fees that may be eating into your retirement nest egg.

By adding up your fund totals, as shown in your most recent account statement, as well as the expenses you’re paying out on each particular fund, you can determine exactly how much you’re paying in fees on your retirement plan. As a general rule of thumb, fees totaling 1% or less on your current plan balance can be considered reasonable costs. Many smaller plans will include fees for an investment broker or consultant, of which an additional 2% charge is standard.

Hidden charges start to accumulate when you consider other fees. Fees for record keeping, for example, can go up as total asset valuation appreciates from year to year. Revenue sharing, the practice of sharing fee income between fund managers and other service providers, has been likened to a kickback, as it provides little value to plan investors. These are just some of the examples of fees that may be eating away at your retirement.

Short of an independent audit to determine whether or not the fees on your plan are appropriate, there are steps you can take to help you get an idea on whether or not you’re paying too much. Websites such as brightscope.com and morningstar.com allow you to compare your plan with similar 401(k) plans and look up individual fund expenses. Personal Capital’s website has a free 401(k) Fee Analyzer that can help you see how fees are affecting your retirement. Lastly, the website of the Department of Labor has lots of information on 401(k) fees and fee disclosure. And of course, you can always contact us. We’d be happy to review your 401(k).

Part 2: Understanding Investment Fees: A Look at 401(k) Plan Fees

Tue, 10 Mar 2015 01:10:00 GMT

How Do I Find the Fees I’m Paying For My 401(k)?

Now that you know you are being charged fees for your 401(k), it’s natural to want to know exactly what fees are being deducted from your retirement plan. So how, exactly, do you go about the fees associated with your 401(k) plan?

For those who have one, the easiest way to get any information about your 401(k) plan is to consult with your plan administrator. You can expect the administrator to be familiar with the different aspects of your 401(k) plan, and should be able to answer your questions. The information is, however, also available in the plan documentation.

For those choosing to direct the plan’s investments themselves, investment information, as well as other general information on the plan itself, will have been provided to allow you to come to informed decisions on your account. This typically takes the form of a model chart , which includes investment performance data and information about fees and expenses associated with the different investment options.

Along with the rest of the plan documentation, you should also be receiving account statements on your 401(k) plan, with frequency ranging from quarterly to annually. These statements will list the fees and expenses being charged.

Included in your 401(k) plan’s documentation will be the plan’s summary plan description , or SPD, with information on what the plan provides, and how it operates. As such, it generally includes information on the investments offered by the plan, as well as what fees and expenses are associated with the plan. A copy of the SPD is provided when you first join the plan, and then every 5 or 10 years depending on whether or not the plan undergoes modifications during that time.

It should also be possible to request copies of prospectuses and other similar documentation regarding the plan, as well as financial statements and share values for the investment options involved. These will allow you to compare and contrast your plan’s performance and fees with other investments that fall outside the investment options on your 401(k) plan.

Having discussed the types of fees involved with your 401(k) plan and where to find them, Part 3 will talk about how to figure out if you’re paying higher fees than normal on your 401(k) .

Part 1: Understanding Investment Fees: A Look at 401(k) Plan Fees

Tue, 03 Mar 2015 01:10:00 GMT

What Fees Might I Be Paying On My 401(k)?

The 401(k) plan that many people entrust their future retirement to is, ultimately, an investment plan. It is virtually impossible not to have to pay some type of fees associated with your 401(k). Since the 401(k) is an important retirement savings tool, it is important to be familiar with the costs associated with contributing to your 401(k).

The fees most typically applied to your 401(k) will fall under one of the following types:

Investment Fees

Investment fees are commonly the largest fee component when it comes to 401(k) plans, and are charged for the managing of the plan investments. Investment-related fees are typically charged as a percentage of the invested assets, and are deducted directly from the investment returns. Investment fees typically fall under one of the following:

Administration fees

Administration fees are incurred in the day-to-day operation of the plan, distinct from the fees incurred in the daily management of the plan’s investments, and involve expenses for things such as bookkeeping and accounting, legal services, and the like. Some plans may offer further services, such as telephone voice response services or access to a contact center, seminars, investment advice, planning software and access to plan information, daily valuations, and online transactions, and these are all covered by the plan’s administrative fees.

Individual Service Fees

Individual Service Fees are associated with optional services that may be offered as part of a 401(k) plan. Since these features are optional, the fees involved are only charged to the plan if you undertake specific actions regarding the plan. One such action is taking a loan against your 401(k); if you choose to do so, then you will pay a fee for the loan, in addition to any other regular fees normally paid on the plan.

Having discussed the fees commonly associated with your 401(k) plan, Part 2 goes on to discuss where you can find the plan fees .

How to Tell If You’re Ready for Early Retirement

Sat, 28 Feb 2015 01:10:00 GMT

Unfortunately you can’t just wake up one day and decide you are going to retire. Retiring early has many challenges and you need to fully understand what it means to retire early before you make the leap.

The first step is to ask yourself if you’re really prepared to say goodbye to a steady paycheck. Contact a Northern Virginia and Potomac area wealth advisor to help you evaluate your retirement prospects. This includes details like your current income, expenses, nest egg value, and investments.

Assessing your retirement prospects isn’t as simple as gathering your savings and hoping they’ll add up to the amount you need. Many people seem to think that as long as the amount you spend annually is less than 3% of your investable assets, you can afford to retire anytime you want.

It’s not that simple. Retirement expenses can be much higher than you project. Without a good retirement plan, you could run through your savings early and outlive your money.

Consider health care, for example. Even with the Affordable Care Act in place, medical expenses can still take up a major portion of your savings. Unforeseen emergencies are especially costly and may drain your retirement funds quickly.

There’s also the challenge of creating the most efficient retirement cash flow as possible. Ideally, retirees can turn to distribution plans like 401(k)s or an Individual Retirement Account (IRA) for day-to-day expenses. Keep in mind that there are rules for how money is to be distributed from retirement plans. Break one of the many rules and you might find yourself being penalized for an early withdrawal. The rules are very complicated, so it’s important to understand the distribution rules before leaving the workforce.

It’s also important to consider other factors, such as where you’ll live and how to spend your retirement hours without a job to occupy yourself with. Many early retirees find it helpful to have friends close by to provide support and hobbies or even part time jobs to keep them active and occupied.

AOG Wealth Management has had a long history of helping clients plan their retirements. If you want to find out if you’re ready to retire, we’re the Northern Virginia and Reston wealth management experts who can help you find the answer. We can help you manage your assets and create a retirement plan that fits your needs and financial situation. To get started, give us a call at (866) 993-0203 today.

What You Need to Know about Cybersecurity and Mobile Banking

Tue, 24 Feb 2015 01:10:00 GMT

Today, many people tend to spend their private and professional lives using mobile devices. This growing trend has given rise to a hyperconnected workforce and more technically advanced forms of businesses.

Mobile technology is becoming an increasingly popular platform for executing financial transactions, especially banking.

According to David Pollino of the Bank of the West, mobile banking is growing faster than any other banking service. It’s highly convenient, which makes it the ideal banking solution for the “always connected, always on-the-go” generation.

On the flip side, one of the many perceived drawbacks of mobile banking is the service’s vulnerability to cyberthreats. It’s important to know the risks when entrusting your finances to these new technologies.

Some argue that mobile is just as secure as other forms of payment or processing. However, it’s unwise to ignore the security pitfalls that can affect this type of transaction. After all, the threats may be digital, but the consequences are all too real.

According to a survey conducted by Longitude Research, spam, phishing, botnets, and mobile malware are just some of the most common cybersecurity challenges faced by the banking industry today. Malware, in particular, has become more potent and complex. This alone has many financial institutions doing all they can to strengthen their mobile payment processes.

From mobile banking to managing your assets online, a Northern Virginia wealth management advisor can help you with your financial questions and ultimate decisions.

AOG Wealth Management provides institutional-quality financial management services for Northern Virginia, DC and the surrounding area for people in all stages of life. We understand that each client and financial situation is different, so we make sure our solutions are custom-fit to your needs.

We have asset management services that include insurance portfolios, retirement funds, college savings plans, and mutual funds. We also help clients who are seeking wealth protection and growth. We provide financial planning services, including estate planning, investment management, retail banking, and legal resources.

You can enjoy having a Reston area wealth management expert like AOG Wealth Management manage your financial assets and be a resource for all your financial questions. We have the right tools, techniques, and people to help you achieve your financial goals. For more information, Contact us at (866) 993-0203.

3 Things to Know in Putting Together an Estate Plan

Sat, 21 Feb 2015 01:10:00 GMT

Estate planning can be challenging. It’s best to enlist the help of a Northern Virginia area asset managemen t professional as well as do a little homework to understand the basics.

The reality is you’re never too young to start thinking about what you’ll leave behind when you’re gone. A basic estate plan is necessary, no matter how much you have in the bank. It ensures that your family is secure and that your financial goals are met regardless of what happens in the future.

Your best bet is getting an expert Northern Virginia and Potomac area asset management company to put together your estate plan. However, this doesn’t mean you should be taking in what they say blindly. Remember, your estate plan should be tailored to your needs and future goals.

Even if you enlist an expert’s help, it’s important that you know the basics of estate planning. Here are some tips to help you out:

1. Make a list of all your financial assets.

Don’t be afraid to look your finances in the eye! Determining your assets is an important first step in estate planning. Take note of your investments, retirement savings, insurance policies, and any interests (e.g., business or real estate). This will make asset distribution much easier in the future.

2. Be clear about what you want to do with your assets.

After you’ve taken stock of all your assets, the next step is determining who will get them in the event something happens to you. This is what a will is for, and every estate plan should have it. This important legal document instructs where your finances and assets should go when you’re gone. If you have underage children, a will allows you to name a guardian for them.

When making a will, it’s important to be transparent. According to CNN Money, discussing inheritance plans with your family and friends may reduce the chances for disagreements in the long run.

3. Be aware of state and federal laws.

An estate plan also needs a living will (sometimes called an advance medical directive). This document contains your wishes concerning life-sustaining medical intervention, in case you become terminally ill and are unable to communicate.

States have different statutes about when a living will goes into effect. Some also have restrictions on the types of medical interventions to which these statutes apply. It’s important to keep these laws in mind during planning to avoid complications later on.

Determining the ins and outs of estate planning can be tricky, but at AOG Wealth Management, we are glad to help. We’re your local Northern Virginia and Potomac are asset management experts. We help clients in all stages of wealth to increase and safeguard their resources. Our advisory team of wealth management professionals can help put together an estate plan that best suits you.

It’s never too early to start making plans for your estate. Give us a call at (866) 993-0203 today.

The Endowment Investment Model

Wed, 18 Feb 2015 01:10:00 GMT

For over a decade, AOG Wealth Management has focused on applying the lessons gleaned from the “Super” Endowment Funds of major universities like Harvard, Yale, and Stanford into a modified format for individual investors. Two years ago, we affiliated with Kalos Financial as our Broker/Dealer. The Founder and CEO of Kalos Financial, Daniel Wildermuth, is a recognized national expert on this process, which he has described perfectly in his book Wise Money. Below are two quotes from a not-yet-published article by Daniel, highlighting potential advantages of higher income and less expected volatility by prudently mixing non-traditional asset classes like real estate and private equity with the more traditional stock/bond/cash allocation.

“The portfolios of larger endowments generally share several common characteristics. Investments focus on multiple different asset classes that are expected to provide strong returns net of inflation and possess minimal performance correlations with each other. Many of the asset classes enjoy higher expected returns than equities and often are expected to perform well during inflationary periods which can boost returns. But often their key contribution is reduced performance correlation. The diversification into asset classes with less correlation results in less expected downside risk for the combination of performance oriented assets within the portfolio.”

“Perhaps as significantly, the potential for illiquid investments to positively impact portfolio volatility was also recognized. Illiquid investments are rarely valued with high frequency. While their values may actually change on a regular basis, the lack of mark-to-market pricing generally limits their pricing volatility which can add the highly desirable element of stability to portfolios particularly during times of high volatility.” [Wildermuth, Daniel. Risk Management Paper. n.d. TS.]

Daniel Wildermuth addressed our clients at our 2013 Mid-Year Update, and we hope to have him back again soon. Copies of his book Wise Money are available at Amazon. Clients can receive complimentary copies in our office.

Planning Your Retirement: How Some States Make It Easier

Tue, 17 Feb 2015 01:10:00 GMT

Have you thought about your retirement lately? It’s never too early to consult an expert in wealth management in the Metro DC area about your future. Here’s information that can be useful to you in planning your retirement.

Financial Security: Not All States Are the Same

Many of us hope to be financially secure by the time we’re 65. Unfortunately, even in old age, there are basic necessities like housing and health care to consider. These expenses can put a tremendous strain on your financial resources. That’s why it’s always a good idea to start saving for your retirement as early you can.

When making retirement plans, it’s good to know that not all states are the same. In fact, according to the National Institute on Retirement Security (NIRS), some states make it more difficult for retirees to support themselves financially.

Last year, the NIRS released a study on the economic pressures faced by adults in their later years. It looked at retiree costs (e.g., Medicare out-of-pocket spending, Medicaid generosity, and housing costs), retirement income, and labor market conditions for older adults. The 50 states along with the District of Columbia were ranked in terms of these variables, and the resulting scores were used to generate the State Financial Security Scorecard.

The study found that housing-cost burdens and marginal income tax rates on pensions were higher in some states than in others. New Jersey, New York, and Connecticut had the highest housing costs among all states. Marginal taxes on pension income were highest in Minnesota, Oregon, and Hawaii.

DC: Looking Good for Retirees

The future of retirees is looking good here in Washington, DC. This is worth knowing if you’re planning to move once you retire.

DC had one of the best overall scores in the NIRS’s State Financial Security Scorecard. For 2000, 2007, and 2012, DC had one of the highest scores in retirement income. This means the average defined contribution and retirement account balances were relatively high. Marginal tax rates were also lower compared with other states.

DC fared rather well in terms of retiree costs in those years as well. Medicare out-of-pocket costs among DC retirees were not too high, and housing costs were not as burdensome as in other parts of the country.

Relative to other parts of the country, DC is not that bad for retirees. Major potential economic pressures for the future retiree population are lower here than in other states.

This does not mean retirees have it easy in DC. It’s still important to have a solid retirement plan backing you up.

AOG is an asset and wealth management firm serving the Metro DC area. Our services include retirement planning and investment management to help individuals chart their retirement course. Contact us at (866) 993-0203 to learn more.

Infographic: The Beginner’s Guide to Wealth Management

Sat, 14 Feb 2015 01:10:00 GMT

Say Goodbye to the 4% Rule… and Maybe the 3% Rule

Sat, 07 Feb 2015 01:10:00 GMT

In the late 1990s, when annual portfolio returns of 20% and more were common, I recall planners discussing a “paradigm shift” or “new normal.” Many planners theorized that with the advent of the internet and the “new economy” that stock market gains would continue as far as one could imagine, portfolios would support growth to hedge inflation, and annual withdrawal rates in retirement could be 6%, 7%, 8% or even 9%! Oh for the days!

The last five years have witnessed historically low rates of interest for bonds, cash and cash equivalents. Investors seeking income, particularly retirees have had to scramble for yield in a prolonged environment of sub 1% checking/savings/money market rates, a 10-year treasury rate that has spent more time around 2% than toward 3%, and an S&P index that has paid around 1.5% in income.

This Wall Street Journal article is actually from March of 2013, almost two years ago. The writer captures the thinking of many financial planners, and notes the failure of various models to produce even a 4% annual income stream while attempting to grow principle faster than real inflation. Since interest rates have declined over the last two years, I have seen musings in professional literature postulating about the death of even a 3% annual income capability.

What is the solution? I believe that AOG Wealth Management identified the correct solution more than a decade ago. By modifying the model used by major university endowment funds (e.g. Yale, Harvard & Stanford) and adding non-traditional asset classes (real estate, energy, private equity and debt, managed futures) to the traditional stocks, bonds and cash, it may be possible to sustain a 5% annual income stream while still growing principle equal to or greater than inflation. Individual portfolios have to be customized according to risk tolerances, available assets and goals. I will expand on our solution in subsequent articles.

Happy New Year!

Fri, 16 Jan 2015 01:10:00 GMT

In terms of financial markets, I had projected an “up” year for 2014, yet I am shocked that we didn’t have a temporary correction (drop of 10%-20% over a few months). While I put the likelihood of a correction at 50% for 2014, I think that a correction has a 70% chance of occurring sometime in 2015. March 9, 2015 will mark the 6th anniversary of this bull market. Having said all of that, I don’t know anyone who can accurately time stock market corrections, so we will continue to follow our modified endowment model, and take advantage of any market slumps by rebalancing and dollar cost averaging into the dips. I continue to be a fan of Brian Wesburys’ price to earnings ratio over the 10 year treasury. That model continues to forecast room for an advancing stock market. Hello DOW 18,000, and 20,000, here we come.

Falling energy prices have accomplished much of what I had hoped the President would do in terms of strengthening ties with Europe, and forcing accommodation with Russia from the Ukraine to Iran. By using our trend toward energy independence through our newly restored leadership in the production of oil and natural gas, we can both promote democracy around the world by strengthening our allies, and challenging hegemony from undemocratic autocrats. Reduced production in the US shale plays over the next 6-12 months and increasing demand from improving economic growth in the US and elsewhere will likely cause prices to recover in the second half of 2015. In the meantime, lower energy prices will reduce the costs for new drilling and help stocks surge.

At AOG, we used 2014 to add three new full-time employees, and we hope to add three more positions in 2015. In addition to revamping our client service procedures, we have significantly strengthened our due diligence, investment analysis and investment committee operations. With the purchase of additional office space located to the left of our main entrance in December, we hope to have remodeling complete by the end of January. The additional space will accommodate our planned expansion. We had record growth in 2014, largely due to your continued referral of our firm to friends, family and colleagues. We intend to continue to manage our growth and to serve you even better in the future by tactically adding new personnel assets and growing existing staff through education, training and additional certifications. We want to continue to enhance our capabilities in order to improve our advice and service. I thank you for allowing us to serve you during 2014 and in the coming years.

Oil and gas exploration, development, and production activities inherently involve highly speculative activities in which results cannot be exactly predicted and which necessarily involve risk of loss of one’s entire investment. Investment in the partnership is suitable only for “accredited investors” within the meaning of Regulation D defined by the Securities and Exchange Commission under the Securities Act of 1933 and amended by the The Dodd–Frank Wall Street Reform and Consumer Protection Act which requires investors to possess the financial ability and willingness to accept the high risks and lack of liquidity inherent in the partnership. All of the information furnished in connection with a partnership is derived through the use of scientific or other techniques associated with the oil and gas business, and, as such, should not be relied upon as statements of fact. Any reserve estimates, price calculations, price forecasts, exploration potential, predictions, or similar information contained in the material furnished in connection with a partnership are, or may well be estimates only and may not be indicative of actual results. Legal and Tax professionals should be consulted before any investment is considered in a project.

AOG Senior Management Team Attends Realty Capital Securities Forum

Sat, 10 Jan 2015 01:10:00 GMT

Pictured left to right; Scott Sweat, Michelle Whitlock, Shane Twomey, William Kahane, Co-founder & Partner / ARC, Fred Baerenz and Jim Ortlip.

The senior management team for AOG Wealth Management attended the American Investments Roundtable Conference sponsored by Realty Capital Securities, held on December 15 – 17 in New York City. The due diligence forum provided our investment committee with an opportunity to get an up close and personal look at the latest trends and executive management team strategies in the healthcare, hospitality and global real estate industries.

We heard from the executive management team of Crestline Hotels and Resorts, conveniently based in Fairfax, VA, which is the advisor on the ARC Hospitality REIT. Since our initial meeting with Crestline in late July, we received an update on their property acquisition and management strategy. They also provided a compelling overview on why their properties are poised to perform well even in a rising interest rate environment.

The AOG management team also heard from Leslie Michaels, Chairman and CEO of Private Health, on the latest developments in the healthcare and biotech sectors. The presentation provided a fascinating look at the technological advances in the biotech industry. These amazing advances have greatly impacted our population in many ways. Enhancing our average life expectancy and ability for medical professionals to administer care are just two of the many benefits. These trends, coupled with the aging baby boomer generation, further confirmed AOG’s belief in the attractiveness of real estate serving the healthcare sector as an investment.

Our team also had a private dinner with Bill Kahane, Co-founder and Partner of American Realty Capital. Mr. Kahane’s views on the commercial real estate industry and the inner machinations of Wall Street were sage and enlightening. The opportunity to have a question and answer session in an intimate setting directly from a top executive proved to be an invaluable benefit to the AOG team.

The event concluded with a financial advisor best practices panel discussion that included our President and CEO, Fred Baerenz, as a panelist. The panel provided a chance for the top independent advisors from around the country to hear from the very best advisors in the areas of practice management and client service.

4 Ways to Gain Financial Confidence and Secure Your Future

Tue, 30 Dec 2014 01:10:00 GMT

No one knows what will happen in the future, so preparing for the unexpected is an important part of your financial and retirement plan. Financial confidence does not simply come from having a large amount of money saved up. Financial confidence comes from having a plan for both your goals and aspirations as well as the unexpected.

Our wealth advisors serving clients in Great Falls, Potomac, Reston and the surrounding Northern Virginia area have listed some tips to follow:

1. Understand Your Current Financial Situation

The first step to achieving financial confidence is to fully understand your current financial situtation. Write down your income, assets, expenses, and liabilities. When you understand where you’re spending the most money, it’ll become easier to manage your expenses by finding opportunities to cut and prioritize. This will also help you discover how much money you can save regularly and where to place that extra money.

2. Start a Portfolio

Once you’ve determined the amount of money you can save regularly, start developing a plan for your investment portfolio. You don’t need a large amount of money to start. You can start with whatever amount you’re comfortable with and increase your contribution amounts as you start earning more and saving more.

The key to building a portfolio is to use money you’ve specifically set aside for investing. After the initial investment, contribute regularly such as on a monthly schedule.

3. Take Full Advantage of Employer Retirement Tools

Don’t take your employer’s 401(k) program for granted. Depending on your employer’s plan, they may offer to match your contributions. Contributing to your 401(k) may seem like a dollar amount you cannot afford…but it is very important to do and to start early. And if possible, contribute to the maximum the plan will allow. Contributing the maximum will take advantage any matching contributions your employer may provide. If you don’t have a 401(k), start an individual retirement account (IRA).

4. Insure Against the Unexpected

Unexpected events often mean unforeseen expenses. Avoid financially burdening your family by getting disability, life, and long-term care insurance. With these financial tools in place, you’ll remain confident that you and your family are financially prepared for the unexpected.

Don’t wait until something happens before you start thinking about the future. You can achieve financial confidence at any age. Let our wealth management experts show you how.

AOG Wealth Management specializes in asset management, investment, and planning solutions. We offer services in Great Falls, Arlington, Georgetown, Washington DC, Maryland and the surrounding Northern Virginia area. Contact us to learn more about our services.

Debt Management: Helping Your Small Business Succeed

Tue, 23 Dec 2014 01:10:00 GMT

Many individuals wish to own a small business. If you’re living this dream, be careful with borrowing money when funding your business operations. According to the U.S. Courts, 31,671 cases were filed for business bankruptcy from March 2013 to March 2014. Debt is an important tool for business owners, but using debt efficiently is important to understand.

AOG Wealth Management, a team of wealth management specialists serving Great Falls, Reston, Potomac, Maryland and the surrounding Northern Virginia area, wants to help you succeed in your business. Here are some ways you can benefit from efficient debt management:

Avoiding Bankruptcy

For some businesses, filing for bankruptcy—particularly Chapter 11—may be an appropriate option.

When you file for Chapter 11 bankruptcy, your creditors, trustees, and the court will supervise your business operation. You may not be allowed to borrow working capital. If you are, it may be limited. Furthermore, you have to meet many requirements for bank accounts, taxes, operations, and insurance. You may end up focusing on meeting these requirements instead of actually restructuring your business.

You can avoid Chapter 11 headaches by managing your debt efficiently from the start. If you find yourself knee-deep in debt, consider consulting wealth management experts to know if bankruptcy is an appropriate option for your business.

Maintain a Strong Financial Reputation

A strong financial reputation results in an easier time to get loans. Keep the lines of communication open with your lenders, especially when it comes to your business’ finances. Lenders commonly work with their clients to help with challenging financial situations so the sooner you inform them of your situation, the sooner you’ll receive assistance from them. It is in both party’s interest to help solve any financial predicament. They may be able to restructure your payments or reduce your interest rate.

Efficient debt management protects your financial reputation.

Increase Trust

When you handle debt properly, your investors or business partners will trust you more with their money. This is particularly beneficial if you’re experiencing a financial bump in the road. Lending partners may be more likely to help you ride out any temporary financial challenges.

To save the business, you may think about cutting costs and offering price markdowns. You should also consider contacting your suppliers to ask for deferred payment plans or discounts. Show your partners that you’re actively looking for ways to increase revenue to pay off debts.

Debt management doesn’t have to be complicated, and you shouldn’t have to do it alone. At AOG Wealth Management, our Reston and NOVA wealth management experts are always ready to help you. With over 100 years of combined experience, our specialists can help you create a financial management plan and find ways to improve your debt management. Call us or fill out our contact form for a complimentary consultation.

5 Retirement Readiness Tips to Help Secure Your Financial Future

Tue, 16 Dec 2014 01:10:00 GMT

You have been busy and working hard all your life. Have you thought about your life after you retire? Thinking about retirement can be both invigorating and stressful. True, you’ll have more time for leisure. But you also might have to deal with some challenges if you do not have the proper plans in place.

AOG Wealth Management, an asset management company servicing the Great Falls, Potomac, Reston and surrounding Northern Virginia, Maryland and Washington, DC area, offers these tips to help you get ready for your retirement:

1. CREATE A FINANCIAL PLAN.

Budgeting is an important component of planning for retirement. Look at your source(s) of income and evaluate how these sources may change and can or cannot support your life style in retirement. Include your needs and plans for your retirement. Additionally, have enough allocation for your daily expenses and leisure activities. You should also set aside some money for your emergency fund. If you’re not sure how to step through these questions, consult a professional financial planner.

2. PAY OFF ANY HIGH-INTEREST RATE LOANS.

Now and especially before you retire, pay off any high-interest rate loans you have. Don’t allow debt to grow due to high interest rates and don’t allow high-interest rate loans to follow you into retirement.

3. PRIORITIZE YOUR HEALTH.

You may have Medicare for your health insurance as you reach 65 years of age. This is commonly deductible from your Social Security fund to provide you with basic health care. Medicare also covers people under 65 years old suffering from certain disabilities such as end-stage renal disease (ESRD). For more medical benefits, you may consider getting a Medigap policy to pay for some health care costs that standard Medicare doesn’t cover, such as coinsurance and deductibles.

4. ASSESS YOUR SPENDING LEVELS WHEN IN RETIREMENT.

Use your pension and Social Security benefits as replacement for your income to pay your bills. If you need more income, then you may have to use certain assets from your portfolio. You may use earnings from your investments for your living expenses.

5. CREATE YOUR PORTFOLIO SUCCESSION PLAN.

Make sure to have your beneficiary and power of attorney documents up to date. Also make sure your will is updated. These documents should state who will make the necessary health care and financial decisions on your behalf if you are incapacitated.

Retirement planning is an important task to prep for. To help you, consult a professional financial advisor, such as AOG Wealth Management. We are committed to helping our clients achieve their financial goals through our specialized services in financial planning, retirement planning, and asset management for the Northern Virginia, Maryland and Washington DC area residents. Call us now at (866) 993-0203 to get started.

AOG Completes In-Depth Due Diligence at First Trust

Wed, 10 Dec 2014 01:10:00 GMT

Scott Sweat & Fred Baerenz in the First Trust TV studio.

On November 13th, Fred Baerenz and I visited with the First Trust team at their headquarters in Wheaton, IL. The purpose of our trip was to perform an in-depth due diligence into many of the equity and bond/bond alternative investments we have with First Trust. We met with many of their lead portfolio managers to discuss their past performance and focused a lot of attention on strategies we might consider for the future. At AOG Wealth Management, we are always refining and improving the portfolio we offer to our clients and have been continually pleased with the performance of the First Trust investments.

One of the many strengths of First Trust is their consistently reliable economic analysis. Brian Wesbury, their Chief Economist, is a frequent guest on CNBC and FOX Business News. Our current AOG clients may remember that Brian was our speaker for the First Trust lunch hosted during the Spring of 2014. He also provides a weekly written analysis and a periodic video highlighting the economic issues and trends which will be available via the AOG Web site in the coming weeks. Before our departure, Fred & I took a moment to visit the First Trust TV studio, and we couldn’t leave without getting in a photo opportunity.

If you would like more information about their economic and market analysis, check out the First Trust website at www.ftportfolios.com . Also, if you are a current client or new to AOG, please contact us at 1-877-600-3573 for more information on our services.

Is a Unit Investment Trust a Good Investment Alternative?

Tue, 09 Dec 2014 01:10:00 GMT

Unit investment trusts (UITs) offer a set of bonds, securities, and stocks. These may be the right investment for you if you’re looking for a diverse portfolio. Experienced portfolio managers or analysts select securities for UITs. They research the securities and screen them according to particular objectives and characteristics. UITs are a popular investment alternative if you like knowing what investments you hold in a particular investment vehicle since the securities held in a UIT don’t change.

UITs follow a “buy and hold” strategy in contrast to the “buy and sell” strategy of actively managed investment funds. These may be good investment options if you want to reduce the chances of buying and selling the same stocks and bonds.

As UITs are composed of different securities, sufficient research is needed to ensure that the UITs you’re getting suit your risk profile. This can be a time-consuming and complicated process, so you may need to consult a financial advisor .

To help you decide on the investment that is right for you, contact AOG Wealth Management. With over 100 years of combined experience, our specialists can offer recommendations based on your priorities, objectives, and risk appetite.

As a committed financial planner in Northern Virginia , our company has helped many clients plan for achieving their financial goals. We serve the Washington DC, Maryland and Northern Virginia areas, including Great Falls, Ashburn, Reston, McLean, Georgetown, Vienna, and Arlington. Call us at (866) 993-0203, and our dedicated staff will be glad to help you choose the right investment.

AOG Welcomes APX Energy for Client Education Seminar

Thu, 20 Nov 2014 01:10:00 GMT

Frederick Baeranz, President & CEO of AOG Wealth Management and Josh Fagan, National Sales Director, APX Energy LLC

AOG Wealth Management held a Client Education Seminar on November 11th at Ruth’s Chris in Tyson’s Corner, highlighting one of the many unique investment opportunities offered to their clients. The event was hosted by APX Energy and welcomed over forty AOG clients who listened to Jonathan Nichol s, CPA, Huey & Associates, P.C. and Josh Fagan , National Sales Director, APX Energy, LLC. Mr. Nichols and Mr. Fagan presented the benefits of oil and gas as a valuable component of a balanced investment portfolio.

Jonathan Nichols is a licensed CPA in Virginia and currently the Tax Partner at the regional firm of Huey and Associates, P.C. Jon has over 14 years of experience and currently leads the tax compliance and strategic planning practices of the firm. Before rejoining Huey and Associates in 2006, he spent two years specializing in the development and implementation of tax efficient structures for small business owners and real estate investors across the country.

Mr. Fagan is the National Sales Director for APX Energy, LLC, and manages the Company’s relationships with selling broker-dealers and registered representatives. Prior to joining the Company, Mr. Fagan was the National Sales Director for a sponsor of oil and gas programs, and the President of Fagan & Rawlings. Earlier in his career, Mr. Fagan was a registered representative for Raymond James Financial Services. Mr. Fagan holds Series 7, 63 and 65 securities licenses and is a registered representative of the JCC Advisors, LLC.

AOG Wealth Management conducts extensive due diligence on all of its investment opportunities. As a boutique wealth management firm with an unmatched client- care reputation, AOG provides a unique approach to wealth management. Investment advantages of an oil & gas investment include:

DISCLOSURE STATEMENT:
Oil and gas exploration, development, and production activities inherently involve highly speculative activities in which results cannot be exactly predicted and which necessarily involve risk of loss of one’s entire investment. Investment in the partnership is suitable only for “accredited investors” within the meaning of Regulation D defined by the Securities and Exchange Commission under the Securities Act of 1933 and amended by the The Dodd–Frank Wall Street Reform and Consumer Protection Act which requires investors to possess the financial ability and willingness to accept the high risks and lack of liquidity inherent in the partnership. All of the information furnished in connection with a partnership is derived through the use of scientific or other techniques associated with the oil and gas business, and, as such, should not be relied upon as statements of fact. Any reserve estimates, price calculations, price forecasts, exploration potential, predictions, or similar information contained in the material furnished in connection with a partnership are, or may well be, estimates only and may not be indicative of actual results. Legal and Tax professionals should be consulted before any investment is considered in a project.

To learn more about AOG Wealth Management and its specialized approach to institutional-quality wealth management and asset management, please contact us at 1-877-600-3573 or visit AOG on the Web at aogwealth.com.

Year-End Tax Preparation: A Tax Filing Checklist

Sat, 15 Nov 2014 01:10:00 GMT

Preparing taxes isn’t easy. Avoid common tax preparation problems by following these tips.

At AOG Wealth Management, Northern Virginia wealth advisors , we have many years of experience helping our clients prepare and file their taxes. To get you started, we’ve created a helpful checklist you can use to prepare your taxes.

Income Information
You need all your income information to file your tax return properly. Make sure you have the following information or documents:

• Form 1099 and W-2: Many employers send W-2s through regular mail in January. You’ll also receive Form 1099 from investment firms during this period. When you receive these documents, check to make sure the withholding amount is correct. If there are problems, get in touch with your human resources department or bank immediately.
• Business income: If you’re managing your own business, it’s time to start organizing your accounting records.
• State and local tax refunds from last year
• Social security benefits
• Unemployment income
• Other sources of income such as gambling and lottery winnings, medical savings accounts, jury duty stipends, etc.

Income Adjustments
You can increase your chances of getting a tax refund by knowing the adjustments that can reduce the amount you owe in taxes. For example:

• IRA contributions
• Green energy credits
• Student loan interest
• Mortgage interest
• Homebuyer tax credit
• Self-employed health insurance
• Moving expenses
• MSA (Medical Savings Account) contributions

Credits, Deductions, or Exemptions
Apart from income adjustments, these expenses can help you lower your taxes:

• Charitable contributions
• Adoption and/or child care costs
• Casualty and theft losses
• Education costs
• Medical expenses
• Qualified business expenses

Year-End Tax Adjustments
Another way to decrease your taxes is to evaluate steps to take before the end of the tax year. Some of these include:

• Increase your 401(K) contributions.
• Defer the receipt of money if possible, especially if the additional income will push you into a higher tax bracket.
• Pay your January mortgage in December. By doing so you can deduct it from your current year’s tax return. You can also do this for your property tax.
• Donate to qualified charities and organizations.

Preparing your taxes doesn’t have to be stressful. When you start early, you have more time to prepare and to seek advice from professionals.

If you need assistance with your taxes, AOG Wealth Management can help you. We are a Great Falls wealth management firm that offers a range of financial services. Contact us to schedule a complimentary consultation and to learn more about our services.

The Benefits of Charitable Giving

Tue, 11 Nov 2014 01:10:00 GMT

For many people, donating to charities is a noble, altruistic act. But it is also a way to reduce your taxes.

According to Giving USA Foundation, 72% of all donations received in 2012 were from private or household giving. The IRS’s Statistics of Income for 2011 shows that individuals from the low and high end of the income distribution tend to give more donations than those in the middle.

At AOG Wealth Management, a Northern Virginia asset management company , we help our clients understand the tax benefits they may receive from charitable donations.

Listed below are a few facts about charitable contribution deductions:

Do tax incentives drive charitable giving? In a study conducted by the Center on Philanthropy of Indiana University, researchers found that reducing the incentive may significantly affect the budgets of many nonprofit organizations. They concluded by saying that although tax deductions are not the primary motivations for charitable contributions, they affect how much a donor gives.

To learn more about charitable contributions and how they impact your taxes, get in touch with our Northern Virginia asset management specialists.

AOG Wealth Management offers investment advisory services offered through Kalos Management, Inc., 11525 Park Woods Circle, Alpharetta, Georgia 30005, (678) 356-1100. AOG Wealth Management is not an affiliate or subsidiary of Kalos Management, Inc.

Inflation Forecast: Knowing What to Expect and Do in 2015

Sat, 08 Nov 2014 01:10:00 GMT

Many economists say the country’s self-sustaining growth may give the Federal Reserve the chance to increase interest rates next year. With the economy’s slow growth, many are expecting the inflation rate to be moderate over the next decade. For 2015, the U.S. outlook on inflation is between 1.5% and 2.0%, with the core inflation rate ranging from 1.6% to 2.0%.

What does this mean to your finances? At AOG Wealth Management, a Northern Virginia financial advisor , we want to help you become financially prepared for the future. Here is some helpful information about inflation and how it may affect your finances.

Investing
Seek investments that are likely to provide return greater than or at least equal to the inflation rate. Certain investment products address inflation risk such as such as Treasury inflation-protected securities (TIPS), real estate investment trusts, and inflation-indexed bonds.

Purchasing Power
Inflation occurs in consumer prices and wages. If your income remains the same and there is a price increase, your power to buy goods decreases. This is one of the reasons it’s important to check the inflation forecast. Once you understand inflation projections, you’ll be able to determine whether you need to start investing or finding other opportunities to meet the effects of inflation.

Value of Debt
Although price inflation may reduce your purchasing power, it may help you with your debt payments. As prices increase, the value of your debt decreases. Although you’re not missing payments, you’ll be paying less.

Inflation affects your life more than you probably notice. When planning your finances, make sure to include a realistic inflation rate. Although you cannot control inflation, knowing what to expect from the market may help you make sound financial decisions.

To learn more about the government forecast on inflation and how to best manage your finances, consult an AOG Wealth Management financial planner in Northern Virginia . We specialize in asset management in Northern Virginia and the greater Washington DC area. With over a hundred years of combined experience, our team can guide you toward reaching your full financial potential.

Lower Prices…Lower Costs?

Thu, 06 Nov 2014 01:10:00 GMT

Over the last week, I have had several calls and emails about the impact of lower prices on the profitability of oil and gas drilling funds that have recently begun drilling or producing. The answer is much more complicated than the question. The best way to frame the question is “how will the profit margin be affected?” To answer that, we need to look at both revenue and expenses.

Graph Citation: http://www.fedprimerate.com/nymex-crude-oil-price-history-chart.htm

REVENUE
Most financial advisers and investors that have significant experience with this asset type know that oil and gas wells generally provide “flush” production over their first one to five years. If a fund takes six to eighteen months to drill the wells, that means that one would hope to see a 100% “cash on cash” return – irrespective of any tax benefit (which is how unfortunately many poor performing funds are sold) in the first five years of production. Since most funds take about six months to start distributions, that translates into having all of the initial investment back in five and a half years. I like to think of most drilling funds as an opportunity to “reverse dollar cost average out of oil and natural gas”. What I mean by this is that a principal sum is invested, and the returns depend on competent drilling and production. The variable is the price over the time of production. One hopes for higher prices through the period of flush production, and risk is dispersed by the range of the flush production period.

EXPENSES
Although there may be a lag of six to twelve months, falling prices also usually mean falling expenses. As prices fall, some oil in tight formations or narrow pay zones cannot be economically produced. Less oil production results in less demand for steel, concrete, labor, leases and drilling rig rental rates. Further, since many independent operators have debt on their business, when prices fall and revenues drop, they may be prone to sell assets like leases as well as their services at a discount in order to make loan payments. AOG Wealth Management does not use any drilling funds that utilize leverage, so in this scenario, “cash is king” and a savvy sponsor can get bargain prices on leases, equipment, steel, concrete, rig rates and other supplies. Lower oil prices can reduce profits, but if accompanied by lower costs, the margin can remain attractive.

One of the best ways to hedge risk and opportunity on drilling programs is to spread investments across several programs and several years. This is also compatible with the AOG philosophy of using programs over several years to maximize the tax benefits. It is impossible to predict demand and pricing in advance. One can prognosticate that fossil fuels will be in demand for at least the next five years. An excellent strategy is to build an “energy ladder” as part of an overall diversified portfolio that includes smart tax management, investment in assets classes and programs that have low or even negative correlation to the stock market, and planning in advance to reinvest tax savings and distributions in out-of-favor assets that have solid future expectations.

Disclosure Statement
Oil and gas exploration, development, and production activities inherently involve highly speculative activities in which results cannot be exactly predicted and which necessarily involve risk of loss of one’s entire investment. Investment in the partnership is suitable only for “accredited investors” within the meaning of Regulation D defined by the Securities and Exchange Commission under the Securities Act of 1933 and amended by the The Dodd–Frank Wall Street Reform and Consumer Protection Act which requires investors to possess the financial ability and willingness to accept the high risks and lack of liquidity inherent in the partnership. All of the information furnished in connection with a partnership is derived through the use of scientific or other techniques associated with the oil and gas business, and, as such, should not be relied upon as statements of fact. Any reserve estimates, price calculations, price forecasts, exploration potential, predictions, or similar information contained in the material furnished in connection with a partnership are, or may well be, estimates only and may not be indicative of actual results. Legal and Tax professionals should be consulted before any investment is considered in a project.

How Lower Oil Prices Impact Investments and Profitability

Tue, 04 Nov 2014 01:10:00 GMT

On December 1, U.S. West Texas Intermediate crude hit a three-year low as the market closed at $64.00, making it the lowest price since October 2011. The continuous decline over the past months is becoming a growing concern for some investors and entrepreneurs. Many are wondering about its effects on the profitability of the oil and gas industry.

At AOG, a wealth management firm in DC , we understand your concerns. To help you evaluate the price of oil on your investments, here is some information to consider:

When it comes to this industry, remember that oil and gas wells typically deliver “flush” production in the first five years. It may take about five and a half years for a business to recover the entire initial investment. Of course, it will vary depending on the price of oil and gas during the time of production. With the recent decline in prices, many companies are worried that they may not be able to sustain the costs of their drilling operations, especially those operating in difficult-to-drill areas of the country.

If you’re interested in investing in the industry but are worried about the current situation, know that declining prices often mean declining costs too. It can result in a domino effect. Lower oil prices may force some companies to stop operating in difficult-to-drill areas, which may lead to a drop in oil production. A decline in production could result in less demand for drilling rig rentals, labor and equipment leases. There is a significant chance that many companies may consider selling assets at lower rates. At this point, you may be able to get equipment and leases at more affordable prices. Because costs are lower, you may still end up with an attractive margin despite the lower oil prices.

Although it’s impossible to predict prices and demand, you may be able to reduce risks by spreading your investments across several years and among various programs. This way, you can be more confident with your decision.

If you need help with wealth management in DC , get in touch with AOG. Our specialists can help you understand the market and its risks so you make sound financial moves.

Oil and gas exploration, development, and production activities inherently involve highly speculative activities in which results cannot be exactly predicted and which necessarily involve risk of loss of one’s entire investment. Investment in the partnership is suitable only for “accredited investors” within the meaning of Regulation D defined by the Securities and Exchange Commission under the Securities Act of 1933 and requires the financial ability and willingness to accept the high risks and lack of liquidity inherent in the partnership. All of the information furnished in connection with a partnership is derived through the use of scientific or other techniques associated with the oil and gas business, and, as such, should not be relied upon as statements of fact. Any reserve estimates, price calculations, price forecasts, exploration potential, predictions, or similar information contained in the material furnished in connection with a partnership are, or may well be, estimates only and may not be indicative of actual results. Legal and Tax professionals should be consulted before any investment is considered in a project.

Rising College Costs: Are You Keeping Up?

Fri, 24 Oct 2014 01:10:00 GMT

The continuous increase in college costs makes saving for college a challenge for most families.

The College Board, a New York–based nonprofit organization, reported the national average for full-time undergraduate charges for 2013 to 2014. According to their research:

The 2.9% increase in tuition and fees for in-state students at public four-year colleges and universities in 2013-14 followed increases of 4.5% in 2012-13 and 8.5% in 2011-12 (before adjusting for inflation) and was the smallest percentage increase in over 30 years.

When saving for college, keep in mind that many students take more than four years to earn a bachelor’s degree.

Although daunting, it is possible to save and pay for your child’s/children’s college education… if you start saving early and wisely.

AOG Wealth Management, a Reston wealth management company, shares some smart strategies to save for college expenses:

Embrace Compounding

Knowing how much money you need to accrue can make saving for college tuition a disheartening task. If you start early, however, you can put away small amounts of money regularly and you may end up with a decent fund when it’s time for your child to head off to college. Through the power of compounding, small, consistent savings can add up to a sizeable fund over long periods of time.

Start a Portfolio

You can keep up with increasing college costs by starting a portfolio directed toward stocks. As your child’s college years approach, you may want to switch more money into cash and bonds.

Utilize 529 Plans

Known as a tax-advantaged savings plan, a 529 plan encourages you to save for college. You can choose from two kinds of 529 plans: a college savings plan and a prepaid tuition plan. A college savings allows you to contribute money and have that money grow tax free. A prepaid tuition plan allows you to lock in the current fees at eligible private and public universities and colleges.

Find Savings Opportunities Such as Consolidating Your Insurance Providers

Many families often overlook their insurance coverage. To save on costs for extra money to put away for a college fund, think about consolidating your insurance. If you use one carrier for your home, auto, and other coverage, you may receive better rates and discounts.

Starting a college fund doesn’t have to be difficult—and you don’t have to stick to one plan. Let our Nova wealth management experts help you develop a strategy that will allow you to save for your child’s college education adequately.

With years of experience in the industry, we at AOG Wealth Management can suggest effective investment options that fit your saving style. Call us or fill out our contact form for more information on our services and receive a complimentary consultation.

(Article Excerpt from Average Published Undergraduate Charges by Sector, 2013-14, The College Board, n.d.)

Tips to Protect Yourself from Identity Theft

Fri, 17 Oct 2014 01:10:00 GMT

The Consumer Sentinel Network (CSN) of the Federal Trade Commission received more than 2 million complaints from consumers in 2013, with 14% of those complaints related to identity theft. Two of the most common forms of identity theft reported were credit card fraud and government benefits / documents fraud.

Unauthorized access to your information may lead to very costly consequences. Identity thieves can use your credit card for extravagant purchases or withdraw part or all of your savings. They may even liquidate your investments and steal your earnings. Furthermore, these thieves may redirect your mail, open new bank accounts and apply for credit cards or loans.

Protecting your personal information also protects your investment. AOG Wealth Management, a Potomac asset management company, shares the following tips on securing your information, both online and offline.

Securing Personal Information Online

The key to securing online information is knowing when and where to store and dispose of personal information. The Federal Trade Commission advises against giving personal information through the mail, over the phone or over the Internet, unless you were the one who initiated the contact. Make sure you know the person you’re dealing with before disclosing any sensitive details.

When making any kind of online transaction, make sure you’re on a secure web page. Look for a lock icon on your Internet browser’s status bar. Create strong passwords for your bank, credit card and other accounts. You should also have a password for your computer.

Keep Hardcopy Personal Information in a Safe

One of the basic ways to protect your information offline is to store documents and other important belongings in a safe. At work, avoid leaving your purse or wallet on your desk. When going out, bring only an ID and the cards that you plan to use. Unless you’re visiting the doctor’s office, carry only a photocopy of your Medicare card with all the information blacked out, except for the last four digits of your card.

If you need to disclose personal information to anyone, ask why you have to give it and how they will secure it. When you need to dispose of documents and expired cards, be sure to shred them rather than throwing them away. Destroy the labels on your prescription bottles before throwing the bottles away.

Identity theft is a serious and growing problem across the country. Don’t leave your assets unprotected. AOG Wealth Management, an asset management firm located in Washington, DC , can help you plan strategies to keep your assets safe. Schedule a complimentary consultation today.

Risk Profiling: An Integral Part in the Investment Process

Fri, 17 Oct 2014 01:10:00 GMT

Q: What is risk profiling?
In the financial world, no investment is without risk. That is why most wealth management firms in DC use risk profiling, a process in which the clients are asked a series of questions to better understand their risk tolerance. The answers are assigned a score for each of the factors below:

These scores are then computed and assessed so that financial advisors can determine the appropriate investment products for clients to meet their investment goals.

Q: What risks are we talking about?
There are different types of risks investors should be aware of as they could easily hurt your financial situation if not properly managed; and these are:

Q: How can risk profiling benefit my investments?
It is impossible to avoid all risks when you invest. Understanding risks through proper risk profiling methods provide you with an understanding of the risks and a better chance of avoiding risks.

Q: Why Choose AOG when it comes to managing my investments?
AOG Wealth Management has provided wealth management services in the Washington DC Metro area for many years. Our mission is to address your financial goals and develop an investment strategy to protect your finances and help you meet your goals. Our advisory team has over 100 years of professional experience in the wealth advisory and management industry.

With wealth management firms in the DC, Reston, Potomac, Northern Virginia and surrounding areas, we are confident we can help you meet your financial goals.

Call AOG Wealth Management today to find out how we can help you with your investment decisions!

6 Exit Strategies: Choosing the Best Way to Sell Your Business

Fri, 10 Oct 2014 01:10:00 GMT

An exit strategy is often an overlooked element of business management. Some entrepreneurs think they don’t need it, while others think it’s too early to develop one. The problem is not having one may give you, your partners, investors and successors limited options in the future.

Don’t wait until time has run out before you start thinking of an exit strategy. AOG Wealth Management, a trusted financial advisor in Northern Virginia , shares a list of exit strategies to consider for your business.

1. Create a Lifestyle Business

Many people think planning an exit strategy must be delayed years or months after establishing a business. Keep in mind that the decisions you make from day one will affect the future of your business. This includes determining the type of business you should build.

A lifestyle business aims to support your income and way of life. Creating a lifestyle business is a good exit strategy as it allows you to work shorter hours while earning the income you need. You can live on the income comfortably and save for the time when you’re ready to sell the company.

With this type of exit strategy, it’s best to minimize investors to keep things controlled without pressure from a large group people.

2. Sell the Business to a Trusted Buyer

Selling your business is one of the simplest exit strategies. Inform your friends and family of your plans. Let them know your business is for sale. A friendly buyout is a win-win situation as you’ll hopefully be leaving your venture in good hands.

3. Liquidate

A seasoned and smart entrepreneur knows when to call it quits. If you’re going to liquidate, be sure to repay creditors and divide the remaining assets among your investors or partners.

4. Consider Mergers and Acquisitions (M&A)

If you think another enterprise could improve your business after you’ve left, think about an M&A. A merger is a perfect solution when two companies have complementary skills and can combine resources to offer better (or new) products or services. If you want to negotiate the price of your business, look for an acquirer who will appreciate its worth.

5. Start an ESOP

An employee stock ownership plan (ESOP) is similar to a profit-sharing plan. It gives you an avenue to sell your shares. In a nutshell, you’re allowing a broad base of current employees to control your business by giving them ownership of the company. Other businesses also use ESOPs to reward and motivate employees.

6. Go Public through an IPO

For many entrepreneurs, having an initial public offering is a tough process, but often a worthwhile one. You will need the expertise of an accountant and possibly a financial planner in Northern Virginia to set up an initial public offering (IPO) for your company.

There are many different exit strategies you can use for your business, and the decision isn’t always clear. Let AOG Wealth Management help you determine the plan that fits your business best. Contact us for more information about your options related to exit strategies.

Congratulations Scott Sweat!

Tue, 07 Oct 2014 01:10:00 GMT

Pictured with General Demeritt and Scott, are Scott’s wife Susan, daughter Shelby (age 4), and sons Pearson (2 1/2), and Anderson (14 months)

In a September 5, 2014 ceremony at Andrews Air Force Base, emceed by Major General James D. Demeritt, one of Scott’s former commanders, Scott concluded his 20 year career serving our country in the United States Air Force and the Air National Guard. In 2006 Scott served in Qatar in support of Operation Iraqi Freedom and Operation Enduring Freedom. He also served as Legislative Liaison to the United State Senate and House of Representatives for the Air National Guard, and as a White House Social Aide. His last two assignments were at Andrews Air Force Base overseeing Air National Guard cyber and space requirements and coordinating IT communications between the Air Force, Air National Guard and Air Reserve units

Scott received his BS from the University of Washington in Mathematics, Economics and Political Science in 1994, and followed that with an MBA in 1996 from Auburn-Montgomery. In 2005, he received his Certificate of Financial Planning from Georgetown University. After passing his CFP exam in 2007, Scott affiliated with AOG, primarily preparing financial plans, and assisting clients on budget issues and Federal Government retirement considerations. Over the last five years, Scott has begun serving as a “lead” advisor for clients. Scott has attended several due diligence events on real estate, oil and gas drilling, private equity and debt, and stocks and bonds, to be able to support the investments required by the modified endowment model. He will also assume primary responsibility for monitoring and evaluating our stock and bond portfolios and advising the AOG Investment Committee on Separately Managed Accounts.

Pictured with General Demeritt and Scott, are Scott’s wife Susan, daughter Shelby (age 4), and sons Pearson (2 1/2), and Anderson (14 months). Scott and Susan live in Alexandria, but are in the process of renovating a home in Vienna for occupancy in the summer of 2015. On a personal note, this is a day that I have been long anticipating. In addition to Scott’s formidable talents, he has become a friend and trusted colleague, and I am thrilled to have him at AOG fulltime. Welcome aboard!

New Tax Laws & How They Can Affect Your Finances

Sun, 05 Oct 2014 01:10:00 GMT

Each year taxpayers face new tax laws, reforms, and policy changes that may affect their finances. For example, the Affordable Care Act (or ObamaCare) was created to make our health care system more efficient and less costly. However, for some taxpayers preparing their 2014 returns, this could p mean higher bills, particularly for higher income earners and those with large medical expenses. Also, those who have chosen to forego insurance the last couple of years may face penalties because they will have to offset the cost of insurance needed to reconcile those payments with their actual 2014 income.

In addition to ObamaCare, wealthy taxpayers might have to shoulder the burden of higher taxes this year. Likewise, a single filer with a taxable income of more than $400,000 ($450,000 for married couples filing jointly), could face added taxes.

With frequent tax reforms and policy changes, it is highly advisable to consult a financial planner in Northern Virginia. Formulating effective and efficient tax plans based on the most recent tax revisions can protect your personal and business assets while keeping your tax liabilities to a minimum.

If you’re from Washington DC, Great Falls, Georgetown, McLean, Northern Virginia, Arlington, Ashburn, Reston, Vienna, or the surrounding area and you want to understand how current tax laws affect your investments, call AOG Wealth Management – a financial advisor in Northern Virginia.

Oil and Gas Sector Investments Via Energy MLPs

Fri, 03 Oct 2014 01:10:00 GMT

Energy master limited partnerships (MLPs) are an option to expand and diversify your portfolio. With 2008 spike in oil and gas prices, this investment vehicle became more popular..

AOG Wealth Management, a wealth management firm located in the Metro DC area, can help you understand MLPs and if they are a good investment for your particular situation.

The Benefits of an MLP

An MLP is a unique type of investment that combines the liquidity of a regular stock and the tax benefits of a limited partnership. Although it follows the structure of a partnership, investors receive investment units that firms trade on an exchange similar to common stock.

One of the reasons many individuals choose an MLP is its tax advantage. As a limited partnership, it doesn’t have tax on the company level. Furthermore, it doesn’t suffer from double taxation on dividends, which helps companies reduce their cost of capital effectively. The tax liability is then passed on to the investors or unitholders. Each year, investors receive a K-1 statement with information about the MLP’s net income, which will be taxed at your individual rate.

Although its income is passed to its unitholders for taxation purposes, the actual distributions of cash have little to do with the company’s income. Firms use a distributable cash flow (DCF) to determine cash distributions. Unlike regular stock dividends, cash distributions aren’t taxed when you receive them. They are treated as reductions in the cost basis of the investment. This results in a tax liability, which is withheld until the MLP is sold.

Unlike other types of investments, MLPs have a greater DCF than taxable income, which leads to significant tax deductions and depreciation. Therefore, investors receive higher cash payments than taxable income. According to research, unitholders only shoulder about 10% to 20% of the MLP’s taxable income. The rest is considered as return of capital and will be deducted from the initial investment’s original cost basis.

Although many investors are fine with deferred taxation, others don’t like being taxed at marginal rates. Some investors use MLPs for estate planning, deferring the recapture. With this method, you benefit from a tax-deferred income stream while avoiding a huge tax hit later.

Oil and gas MLPs can be appropriate investments for the right person. As with other types of investments, you must make sure that you understand the investment product. AOG Wealth Management in Washington, DC , can provide you with information on this investment strategy. Contact us to schedule a complimentary consultation to learn more about MLPs.

Healthcare Real Estate Due Diligence Conference

Thu, 25 Sep 2014 01:10:00 GMT

Michelle Whitlock
Client Service Manager

Drilling For New Opportunities

Fri, 12 Sep 2014 01:10:00 GMT

Although I had just reviewed the program onsite last year, I wanted to accompany Shane and Jim on their first review of APX. The weather was pretty steamy however, we were able to drive through several of the fields that are producing from previous years programs and see several of the drill sites for the 2014 program that are not yet being drilled. We also examined the infrastructure of tanks and pipelines necessary to store and transport the oil to the local refinery.

Frederick Baerenz
President & CEO

The 4 Vital Reasons Why You Need Estate Planning

Fri, 29 Aug 2014 01:10:00 GMT

Estate planning is not just for those who have large estates. Estate planning is important for everyone with possessions. AOG Wealth Management, a Reston wealth management firm , provides you with the 4 vital reasons why you need estate planning:

This is the main reason why people seek advice for estate planning. Because probate court proceedings are typically strenuous and time consuming, it is important to make sure that all assets are easily passed on to heirs.

Though tax laws often change, assets left to anyone (except to your spouse or a charitable institution) will be taxed through inheritance taxes. Significant estate taxes can be saved by proper estate planning before your death or, for couples, before one partner expires.

In the aftermath of your passing, you don’t want your loved ones to have the burden of sorting through your assets. A significant amount of time and money will be wasted, not to mention the stress it will cause your loved ones. Choosing someone to help you make your estate plans prior to your passing will be very helpful to your family.

If your beneficiaries are minors, the law requires a guardian or a conservator to manage your assets until the minor reaches the legal age. You can prevent family discord and costly legal expenses by taking the time to designate a guardian and trustee for your minor beneficiaries.

As a NoVa wealth management firm, we can provide you with helpful estate planning advice. To learn more about our company and our estate planning services, you can browse through our website, or just give us a call and we’ll gladly answer your questions.

MESSAGE FROM THE PRESIDENT: Lead or Follow

Sat, 23 Aug 2014 01:10:00 GMT

In previous newsletters I have shared with you my election to the Board of Directors of REISA (the Real Estate Investment Securities Association) and my appointment to the Policy Committee of the IPA (Investment Program Association). Although their meetings and activities take me away from serving my clients and family time, I felt it was important to “step up” into an advocacy role on regulatory and policy issues that affect our clients, and the broader industry of non-traditional investments including non-traded REITs and BDCs, as well as oil and gas drilling programs.

Recently, the Securities and Exchange Commission solicited comments with regard to a rule change proposed by FINRA known as Notice to Members 14-06 . AOG Wealth Management is known as a “hybrid” firm because we have dual roles. Most of our investments are provided to you under our Registered Investment Advisor banner, in which we are directly regulated by the Securities and Exchange Commission. Some of our specialty investments in real estate and oil and gas drilling programs are offered through Kalos Financial, which we utilize as our Broker Dealer as Registered Representatives and Registered Principles. In that capacity, we are members of FINRA, which is a self-regulatory agency under the SEC.

Some regulators and policy makers at FINRA don’t recognize the benefit of what we do by utilizing “non-traditional” or “alternative” investments to provide greater diversification, lower correlation to the broad stock markets and their typically higher, more tax efficient income distributions. In defense of FINRA, not every advisor does the extensive due diligence on these programs, or offers the robust education programs that we do. However, FINRA is attempting to use a broad brush approach to this issue to “protect” some of the less informed advisors and investors. I have attached a link to the SEC website where you can view my comment letter in full. I would be happy to discuss any of these issues with you directly. The main point of informing you about this activity is that I want you to be aware of these issues to the extent that you care, and more importantly, to assure you that AOG Wealth will continue to advocate in your best interest at the highest industry and regulatory levels.

Comment Letter Written by Frederick Baerenz

By Frederick Baerenz
President & CEO

Asset Diversification: How It Lowers the Risk on Investing

Wed, 20 Aug 2014 01:10:00 GMT

Risk is inherent — for multi-million dollar enterprises, for small businesses, and for investors. To lessen investment risk, Potomac asset management experts advise investors to diversify their investment portfolio. Diversification is a critical part of an overall investment strategy.

To learn more about asset diversification, our asset management staff at AOG Wealth Management in Washington, D.C. have prepared some FAQs about this strategy:

Question: What is asset diversification?

Answer: Asset diversification means distributing your assets among different investments to lessen your overall investment risk. The logic for this is quite simple: for example, if one investment goes downhill today, your other investments will still have the chance to earn on the same day, reducing the risk of losing money on any given day.

This risk management technique is used by experts to ensure that you would still have your capital intact even if you lose a certain amount of money on a particular investment.

To make this strategy work, your investments should be spread across different asset classes such as cash, fixed interest, and property, and among different asset categories, such as stocks, bonds, and cash. By doing this, your investments are better prepared to manage market swings in a particular asset class thereby lowering the overall risk in your total portfolio.

Q: Is there any downside to asset diversification?

The main challenge for investors is to make sure they fully understand what it means to be diversified. Common mistakes are:

Q: How can I avoid these mistakes?

Seek the help of an experienced asset management firm in Washington DC like AOG Wealth Management. Our team has the expertise and the experience to handle asset diversification effectively and efficiently. AOG Wealth Management adapts the so-called ‘Ecclesiastes’ investment model, in which we manage seven or eight asset classes that have very little or may have nothing to do with each other. This is what is commonly known as ‘diversification’ and it works by allowing your portfolio to grow, even when the economy is gloomy. You are protected because if one asset performs poorly, the others will not in any way be influenced by that particular asset class because they have nothing to do with one another.

To know more about our services, just browse through our website or give us a call and we’ll be more than happy to assist you with all your questions about asset diversification.

Dog Days

Sat, 16 Aug 2014 01:10:00 GMT

I hope you are enjoying your “dog days” of August!

By Frederick Baerenz
President & CEO

ARC Hospitality

Sat, 09 Aug 2014 01:10:00 GMT

As you may all realize the key to a hotel REIT is the quality of the management team and their relevant experience. We believe that the Crestline hotels management team to be a high quality knowledgeable set of executives with extensive hotel experience which should bold well for the REIT.

We had already reviewed the metrics for the supply and demand of (primarily) hotels accommodating business travelers, and examined the range of potential trends for business travel. We had also reviewed the potential of limited capital rising to meet the demand of maturing loans for hotels which can lead to lower prices.

If this assessment is correct, the rotation of recovery in business hotels might allow us to “buy low” and “sell high”. We have also reviewed the potential pipeline of properties available for purchase in this space, and are evaluating this offering for our clients on an individual basis. Please let us know if you have an interest in learning more about this offering.

By Frederick Baerenz
President & CEO

AOG Celebrating Great Falls

Tue, 05 Aug 2014 01:10:00 GMT

Pictured above is the winner of the raffle for an AOG Wealth Management picnic basket, including a bottle of wine from Alpha Omega Vineyards (no relation) in Napa Valley, California. I spotted one of our elected officials, Barbara Comstock, the 34 ^th District (includes Great Falls) Delegate to the Virginia House of Delegates, in the crowd and we persuaded her to conduct the drawing for the basket. Many of you know Barbara from her stint as the Chief of Staff to Congressman Frank Wolf. He is retiring this year, and Barbara is the Republican nominee to represent the Virginia 10 ^th Congressional District in the United States House of Representatives.

By Frederick Baerenz
President & CEO

European Market

Sat, 19 Jul 2014 01:10:00 GMT

Earlier this month, Sheila and I spent a week of vacation in Europe, sandwiched between a meeting with clients in Portugal, and a due diligence meeting in London. Many of you invested in ARC Trust (the original), ARCP (as a non-traded REIT prior to 2011, or a traded REIT since), ARC III, ARC IV, or ARC V. Each of these funds purchased assets that generally had long-term tenants (ten to twenty year lease) undertaken by companies that are considered high credit quality risks (e.g. Walgreens, CVS, FedEx). The terms of their leases are net of all real estate taxes, insurance costs, and general maintenance. So called “triple-net” leases reduce ownership risks, because the costs (including increases) are the contractual responsibility of the tenants, which reduces expense and risk to owners. In many cases, the tenant also bears responsibility for all maintenance, which could include roof replacement, and mechanicals, which provide a further buffer to owner expenses. One of the reasons the ARC net lease funds have been so profitable in such short periods (one to three year cycles rather than the expected five to seven year cycles) is because they were able to take advantage of relatively high capitalization rates and relatively low borrowing costs. Known as the “spread”, the ARC net lease funds were generally able to borrow at interest rates three to four percent less than the capitalization rates, or income rates of the investments. In the US, that spread rate has now compressed significantly, so that this type of purchase will not likely be as profitable as it has been.

By Frederick Baerenz
President & CEO

Start Your Career Goals Early With a Financial Plan

Sat, 12 Jul 2014 01:10:00 GMT

Throughout the country, the summer isn’t just about vacations. Many graduates fresh out of college will be scouring the Internet and newspapers for the start of their careers.

The first few years in your first job is going to be a training ground. According to this article on the Washington Post:

Your first years at work are like boot camp, and to succeed — not just survive — you have to learn the ropes, and learn them quickly, says Robert L. Dilenschneider, founder of his own public-relations firm in New York and former president and chief executive of public-relations giant Hill and Knowlton.

“Why some young people will succeed and some won’t has very little to do with their family backgrounds, the colleges they attended, their majors, the honors they received there, their IQs, their graduate degrees, their athletic skills, or even their ambition and drive,” Dilenschneider says.

Learning the ways of business and career development is the way to initial success and the eventual end game of retirement. But climbing the career ladder may not be as simple as it seems. Sometimes it takes more than just gumption to make it in the world. There are times when we need help, and when that time comes, you may need a Potomac asset management firm like AOG Wealth to help straighten the path out for you.

Through cooperation with our highly reputable fund managers, we will monitor your assets with the utmost care to maximize your hard-earned cash. We will work with you in achieving your financial goals through careful analysis of your existing portfolio and upon your approval will map out portfolio allocation for your convenience. Additionally, portfolios will be adjusted based on the economic environment at the time of investment.

So if you want to take the smooth route towards financial, start early by consulting a Potomac asset management company like AOG Wealth. Contact us today for more information on how you can protect your financial future.

(Article Excerpt from For college grads, workplace success is about playing the career game right, www.washingtonpost.com/business, July 5, 2014)

College Degree: Your First Step to Financial Success

Tue, 08 Jul 2014 01:10:00 GMT

We know that getting a college degree is not a guaranteed way to a more comfortable life in the future. But there are actually numerous benefits you can get from graduating from college. Getting a degree does not only open up more employment opportunities, it also clears a path to better career development and higher earning potential as this recent study shows. According to bizjournals.com:

There’s a reason your mom and dad told you to go to college. It vaults you to the top of the earnings food chain in the Washington area.

Workers with a college degree employed in the Washington area are enjoying wage gains while those with less education are seeing their wages decline, according to a new study from the Commonwealth Institute, the DC Fiscal Policy Institute and the Maryland Center for Economic Policy.

Specifically, the report found the median wage has dropped by 5 percent since 2007 for workers with only a high school degree and by 13 percent for workers without a high school degree.

Though this new study shows that having a college degree increases the chance of you getting a bigger paycheck than most undergrads, it does not necessarily mean that you’ll be well off in the future. Financial stability comes with careful planning and wise handling of your finances; and for you to get an idea of how this works, there are financial advisors in Northern Virginia who can help you meet your future goals. You just have to be careful and hire those who have the experience and a good track record so that you can be sure that your hard-earned money is in good hands.

AOG Wealth Management is a premier financial planner in Northern Virginia , Georgetown, Arlington, and DC area. We have experienced and knowledgeable financial experts who can point you to the right path of financial success. We have numerous services to suit your needs – from setting up your retirement funds to investment management. Just give us a call and plan your future now.

(Article Excerpt from: study-shows-role-of-education-in-d-c-area-earnings , www.washingtontimes.com, June 24, 2014)

How to Keep All Your Finances in Check in Abundant Times

Fri, 04 Jul 2014 01:10:00 GMT

The last global financial crisis in 2008-2010 has made a huge negative impact in the US economy. It affected citizens all over the country, from different walks of life, in so many different ways, from numerous house foreclosures to growing unemployment rates.

This year, however, has started with a bang as our economy is now gaining ground. With economists saying that the future looks bright for our country, President Barack Obama is calling out for unity in congress as the Washington Times online reports:

Seizing on a positive jobs report, President Obama said Thursday that America is “making progress” on the economy and urged congressional Republicans to cooperate on his agenda.

“We have not seen more consistent job growth since the ‘90s,” Mr. Obama said during a hastily arranged visit to a tech start-up incubator in Washington. “But we can make even more progress if Congress is willing to work with my administration and to set politics aside, at least occasionally.”

The president added the event to his schedule after the Labor Department reported Thursday that the jobless rate had dropped from 6.3 percent to 6.1 percent and that the economy had added more than 200,000 jobs for the fifth consecutive month. The positive news came after the government reported that the economy had contracted by a startling 2.9 percent in the first quarter of the year.

Now that our economy is finally making headway, we citizens should start thinking about our future and start handling our hard-earned money wisely; so that we can be financially secure should the economy comes crashing down as what happened a few years ago. For wealth management in DC , there are numerous ways to protect your finances, depending on your goals; you either save for a more comfortable retirement or if you’re looking to earn more, you can make wise investment choices.

In situations like these, the best way to go is to contact one of the most trusted wealth management firms in DC , like AOG Wealth Management. We are here to guide you in reaching your full financial potential by helping you manage your investments. Our professional financial advisors are well suited, with more than 100 years of combined industry experience, to help clients effectively grow and protect their wealth. If you are in McLean, Great Falls, Washington DC, Georgetown, Arlington, Northern Virginia, Ashburn, Reston, and Vienna, VA, and you want to make sure that your finances are well covered, just give us a ring and we’ll be more than happy to assist you.

(Article Excerpt from: obama-sees-progress-strong-job-numbers , www.washingtontimes.com, July 3, 2014)

Congratulations Joe!

Thu, 03 Jul 2014 01:10:00 GMT

After graduating from Thomas Jefferson High School for Science and Technology in 2008, Joe went to Virginia Tech, initially to major in chemical engineering. Four changes later, he graduated with honors, majoring in British Literature, with minors in Chemistry and History. His plan was to substitute teach in public high schools while pursuing a Ph. D. in British Literature, with the goal of teaching at the university level.

Joe had interned at AOG for two summers in high school and two summers in college. After graduating from Va. Tech in 2012 and while finishing up a project for me, Joe was invited to interview at ARC. He is an excellent writer and was promptly offered a position in their marketing department. It turned out that he had absorbed quite a bit of knowledge about investments and process while doing grunt work at AOG. He quickly became a valuable source of insight and information at the ARC home office among staff that had not worked at the “grass roots” level of financial planning and advice.

I am very proud of what Joe has accomplished in his time at ARC. Please join me in congratulating him on two years of excellent work, and wishing him success in law school at the University of Virginia! My big question is….Hokies or Wahoos football on the Saturday after Thanksgiving?

By Frederick Baerenz
President & CEO

MESSAGE FROM THE PRESIDENT: Four Freedoms

Thu, 26 Jun 2014 01:10:00 GMT

When I was nineteen, I was given a King James version of the Bible that is family sized, and is illustrated by Norman Rockwell. Particularly prominent are the famous Four Freedoms illustrations. The depictions are based on President Franklin D. Roosevelt’s Four Freedoms State of the Union speech in January of 1941, which identified four human rights that should be universally protected: Freedom of Speech, Freedom of Worship, Freedom from Want and Freedom from Fear.

Sheila and I are seeing a client in Portugal this week, and later will be touring in France and England. We hope to visit some of the memorable D Day sights in France. I will also be meeting with the founding partners of Moor Park, which is the European Advisor on the ARC Global REIT. As I ponder the angst and stress of daily headlines on the Ukraine, Iraq, Iran, Syria, China, North Korea, and frankly our political system, The Four Freedoms are very much on my mind.

As we prepare to celebrate the 238th anniversary of the Declaration of Independence and the birth of our great country, let’s all reflect on our collective role in making sure the Four Freedoms are maintained for our country, and what our obligations are to helping our fellow citizens around the world enjoy those freedoms as well. Despite the controversy over our foreign policy of the last decade, I take comfort in the famous quote by Winston Churchill, “You can always count on Americans to do the right thing – after they’ve tried everything else.” Happy Independence Day….next week!

By Frederick Baerenz
President & CEO

A Lesson In Shipping

Sat, 21 Jun 2014 01:10:00 GMT

I have to admit that I rarely ponder how all the “stuff” we see in stores or receive by UPS or FEDEX gets to us. Among the terms that Scott and I can now bandy about are “TEUs” – 20’ tractor trailer loads, or “truck equivalent units” and “FEUs” – 40’ “forty foot truck equivalent units”. Most items produced in the United States go through four warehouses from production to store shelves or doorstep. (let’s not even talk about drones yet!)

Why does all this matter? With the widening of the Panama Canal, and the dredging of many east coast harbors, the method for moving goods produced in the United States, and those items imported from other countries is about to change dramatically. With the widened lock system on the Panama Canal, and deeper harbors, most ships in the future will be built large enough to carry 8,000 containers. There will even be many “super” ships, designed to carry 13,000 containers. This will change the patterns of where goods enter and leave the country, and therefore, where we should look to purchase warehouse real estate and areas to limit or avoid. This is all part of our efforts to provide the best possible information and choices to our clients.

By Frederick Baerenz
President & CEO

AOG Named Top Brokerage and Top Overall office at Kalos Capital for 2013/2014

Tue, 17 Jun 2014 01:10:00 GMT

Last week I accepted, on behalf of our AOG Team, recognition as the Top Brokerage and Top Overall office at Kalos for the fiscal year 2013/2014. I wish to congratulate the AOG staff for all the hard work and excellent client service this represents. I would also like to thank all of our clients for allowing us to help you attain your financial goals and dreams. We are looking forward to many years to come!

By Frederick Baerenz
President & CEO

Ventas Buying ARC Healthcare In $2.6 Billion Deal

Sat, 07 Jun 2014 01:10:00 GMT

ARC Healthcare shareholders will receive .1688 shares of Ventas (a Ventas share value of $67.13) or, if elected, $11.33 per share of ARC Healthcare owned. The cash portion of the acquisition will be limited to 10% of ARC Healthcare’s outstanding shares.

ARC Healthcare closed the program to new investors on April 12, 2013 and listed the shares on the Nasdaq on April 7, 2014.

The boards of both companies have unanimously approved the Ventas purchase. A closing date for the acquisition has not been provided.

KBS REIT II’s Exciting Announcement

Sat, 07 Jun 2014 01:10:00 GMT

On July 29, 2010, KBS REIT II transacted the largest ever, single asset purchase by a non-traded REIT. They acquired 300 North LaSalle Street in Chicago, a 60 story office tower containing 1.3 million rentable square feet, for $655 million.

KBS REIT II recently announced that they have entered into a purchase and sale agreement with the Irvine Company, located in Southern California, for $850 million. The sale price is a $195 million gain over the initial purchase price and is $74 million over the appraised value of $776 million.

This sale has also set a new record for the highest sale price for a single building in Chicago, surpassing the sale of the Sears Tower ($844 million) in 2004. In a filing with the SEC, KBS intends to make a special distribution to stockholders in the third quarter for most of the proportionate principle and profits from the sale.

MESSAGE FROM THE PRESIDENT: Hill Day

Fri, 06 Jun 2014 01:10:00 GMT

We had three discussion topics:

“It is critical that members of Congress hear directly from our members who are also their constituents,”said FSI President & CEO Dale Brown. “These meetings are an opportunity for lawmakers to hear directly from the experts who help Main Street Americans achieve their financial goals. Our members are able to share real-life experience as to how the decisions elected officials and regulators make impact every-day Americans.”

By Frederick Baerenz
President & CEO

Top Economist Speaks at an AOG Event

Thu, 29 May 2014 01:10:00 GMT

I have utilized Unit Investment Trusts (diversified like mutual funds, but with exact knowledge of the stocks, and a specified time for the holding period) for almost twenty years. I have used First Trust for most of that time, and their research and analysis has been very helpful to AOG clients. Brian Wesbury is a frequent columnist for the Wall Street Journal, and can be seen periodically as an economic analyst on CNBC, MSNBC, Bloomberg and FOX News.

Among the projections that Brian shared last Wednesday are that GDP growth for 2014 is expected to average 3% despite the weak first quarter, and expand to 4% growth for 2015. He is concerned about interest rates rising significantly beginning in 2016, and that the FED may wait too long to prevent inflation from accelerating faster than any time since the 1970s. Although a technical correction can happen at any time, Brian believes that the stock market is still somewhat undervalued due to record corporate profits, and that the stock market should continue to advance through 2015. I am so glad that many of you were able to hear Brian speak in a live presentation. For more of his analysis, please see his weekly outlook message at the URL below.

http://www.ftportfolios.com/Commentary/EconomicResearch/2014/5/19/can-a-perma-bull-turn-bearish

By Frederick Baerenz
President & CEO

Back In New York

Fri, 23 May 2014 01:10:00 GMT

On Tuesday we spent the day reviewing the Retail Centers of America portfolio in detail, and also spent an hour with an Executive from the investment banking firm, Robert Stanger and Company, who updated us on trends in both non-traded REITs and BDCs. On Wednesday, we did an in-depth review of the Realty Finance Trust. Janice Stanton, the Senior Managing Director of the Capital Markets Group at Cushman and Wakefield, provided an excellent overview of the outlook for US commercial real estate debt markets.

I am pictured with Val Richardson, the Executive Vice President of The Container Store. You may know that The Container Store replaced Barnes and Noble in the Spectrum Center near Reston Town Center. Val explained the process by which The Container Store evaluates current and future sites for her firm. Ironically, her previous position was the head of leasing for Barnes and Noble, so she ended up negotiating the lease of the same premises for two different companies.

By Frederick Baerenz
President & CEO

Taking Charge of Your Finances: Understanding Asset Management

Fri, 23 May 2014 01:10:00 GMT

What’s asset management all about? Take a look at this article from theiam.org:

ISO 55000 defines Asset management as the “coordinated activity of an organization to realize value from assets”.

Asset Management involves the balancing of costs, opportunities and risks against the desired performance of assets, to achieve the organizational objectives. This balancing might need to be considered over different timeframes.

Asset Management is the art and science of making the right decisions and optimizing the delivery of value. A common objective is to minimize the whole life cost of assets but there may be other critical factors such as risk or business continuity to be considered objectively in this decision making.

Sounds tricky? It is, especially if you don’t know what you’re doing. This is why it is best to leave your money and assets to an expert Potomac asset management specialist. Only professionals have the experience necessary to help protect your assets without hindering your growth potential. You wouldn’t entrust your hard-earned money to just anyone, right? Working with certified experts will give you security and peace of mind, knowing that your money is in good hands.

AOG Wealth Management relies on its experience in the industry to provide thorough asset management in Washington DC , offering individualized service to ensure your financial needs are addressed with precision. Planning to build a retirement plan? Want to invest on mutual funds? Preparing for a college fund for your kid? Whatever kind of goal you might have, AOG Wealth Management is here to help you gain better control over your assets so you can steer them in the right direction. All fees and commissions arising from recommended investments are disclosed for purposes of transparency to the client. Call today to learn about AOG Wealth Management services available in your area.

(Article Excerpt from “What is Asset Management?”, The Institute of Asset Management)

Securities offered through Kalos Capital, Inc. located at 11525 Park Woods Circle, Alpharetta, Georgia 30005 and/or TD Ameritrade Institutional Services located at 5010 Wateridge Vista Dr., San Diego, California 92121-5775. Investment advisory services offered through AOG Wealth Management, Inc. AOG Wealth Management, Inc. is neither an affiliate nor subsidiary of TD Ameritrade Institutional Services.

Why You Should Choose a Financial Advisor Wisely

Fri, 16 May 2014 01:10:00 GMT

How are you supposed to choose your financial planner? According to an article in Forbes:

When people think of their money and how it is managed, they often zoom in on one metric — how well their investments performed compared to the broader market.But a new survey reveals that another big factor determines whether someone is satisfied with his or her investment firm: the financial advisor.

“The study finds that there are two elements beyond investment performance separating firms with high satisfaction from those with low satisfaction: the person that investors credit for their investment performance and the relationship investors have with their advisor,”

This article shows that investment satisfaction is not just about money matters. How you deal with your Northern Virginia financial planner matters too, so you definitely want to get someone who understands you. There will always be comfort in knowing that you are working with people who know what they are doing but you will feel more secure with one who actually listens to you. We all have different investment needs after all. Find the right financial planner and rest assured all your exact needs, both business and personal, will be addressed.

With AOG Wealth Management, you’re not going to get cookie-cutter solutions because the firm understands that your goals are different from your neighbor’s and that guy you always see at the golf course. By establishing a relationship built primarily on trust, your Northern Virginia financial advisor can create a combination of products and services that will fit your needs. AOG Wealth Management also offers a boutique environment so all your needs are all under one roof. The firm’s advisory team’s vast experience has afforded them the insight to address a wide array of financial hurdles and provided solutions to many different clients . Call today to learn more about what AOG Wealth Management can do for you.

(Article Excerpt from “10 Questions To Ask When Choosing A Financial Advisor”, Forbes, May 9, 2013)

MESSAGE FROM THE PRESIDENT: Back Down Memory Lane

Fri, 09 May 2014 01:10:00 GMT

Last weekend Sheila and I traveled to Charlottesville to attend my 35 ^th high school reunion. Fork Union Military Academy (FUMA) holds an Alumni Weekend every May, so former cadets from many classes were in attendance. I am pictured with two good friends from the class of 1979 who returned to serve at FUMA, Rob Feathers, Middle School Dean, and Dwayne Fender, the Upper School Assistant Commandant. Sheila and I were also special guests of Larry (FUMA Class of 1964) and Glenda Fischer, who helped organize the 50 ^th reunion class. Larry has prepared many estate plans for AOG clients, and Michelle Whitlock, AOG Client Service Manager, is their daughter.

I was thrilled to see that my basketball, football, cross country, and track coaches are still teaching and coaching (although all are retiring in the next three years). These four men had such a profound impact on me, and so many other students and athletes. Fork Union’s motto is Body Mind Spirit, and it was on the playing fields, in the classrooms, and in the Chapel that many of my best qualities were encouraged and refined. (Yes, I did accumulate 11 demerits in four years, but never had to march extra duty! – I knew someone would ask.)

Fork Union has provided high school and/or post graduate education and training to such NFL greats as Sonny Randle, Eddie George, Don Majkowski, Vinnie Testaverde, and Mike Quick. It helped develop business leaders like Thomas Davis, the Founder and former Chairman of US Airways, Edward Telling, the former Chairman and CEO of Sears, and Kevin Plank, the Founder and President of Under Armour. It was also home to General John T. Chain, the former Commander in Chief of Strategic Air Command.

It was a fun stroll down memory lane. I am grateful to my parents who provided the means to attend FUMA, to the dedicated faculty and staff who gave so tirelessly to encourage and care for the cadets, and for the wonderful intangibles that have been a part of the institution since 1898. It was my reunion, but I think Sheila had even more fun than me!

Understanding Diversification: Wealth Management Basics and More

Fri, 09 May 2014 01:10:00 GMT

There are different ways by which wealth management firms in DC handle your money and assets. And while it’s not unusual for companies to specialize in a certain method, there are some practices that generally hold true for all:

One thing even the newest investor understands, or has at least heard of, about a portfolio is diversification – blending a variety of asset classes to reduce exposure to risk. But a well-diversified stock portfolio is just one component of putting together the best possible portfolio.

Basically, diversification among asset classes works by spreading your investments among various assets (e.g. stocks, bonds, cash, T-bills, real estate, etc.) with low correlation to each other. This allows you to reduce volatility in your portfolio, because different assets move up and down in price at different times and at different rates.

In simpler terms, it’s the wealth management equivalent of not putting all your eggs in one basket. There are many ways you can grow your wealth so there is no need to risk it all in one move. It is true that the higher the risk, the higher the rewards. However, it is just as true that you can do away with unnecessary risk as well. By partnering with a Washington DC wealth management firm like AOG Wealth Management, you will be introduced to a variety of alternative investments providing true diversification.

(Article Excerpt from “Diversification Beyond Stocks”, Investopedia, January 25, 2014 )

MESSAGE TO THE PRESIDENT: Endowment Model

Fri, 02 May 2014 01:10:00 GMT

Sheila and I just returned from an enjoyable visit to Nashville, Tennessee. We had a free afternoon and toured the Vanderbilt University campus, the Johnny Cash Museum, ate some great barbeque, and listened to dueling pianos at The Big Bang Bar & Grill.

We were in Nashville attending the Financial Insights 360 annual conference, and to complete my annual continuing education requirements for the Accredited Investment Fiduciary designation.

The conference agenda was dominated by concerns of my investment advisor peers discussing the likelihood of a 10%-20% technical correction in the stock market sometime in 2014 or 2015. As I wrote in March, we are now in our sixth year of a “Bull Market,” and the average “bull market run” since World War II has been less than five years. Many “technical” investors believe that this timing indicates that we are overdue for a correction. When the stock market goes up this much over this length of time, technical traders get “twitchy” looking for a time to jump out of the stock market, take profits, and try to figure out when to jump back into the market.

There were similar conversations among portfolio managers regarding bond investments, and lots of discussions about how to limit the “down side” of bond losses that generally occur when interest rates start to go up. We have not experienced a continually rising interest rate environment since 1982. (Who remembers 18% 30 year mortgages?)

I am grateful that we have worked so hard to develop a modification of the “Endowment Model” that personalizes it for individuals. Our staff works very hard to provide the diversified elements of the portfolio, and our clients work earnestly to understand these investments. The low-correlation and non-correlation of several of our asset classes to stocks and bonds provides confidence that we don’t face the binary solution set of just stocks and bonds that limit the choices my colleagues and their investors face. We continue to try and anticipate areas of investment for growth, income and diversification.

By Frederick Baerenz
President & CEO

Know the Score: Direct Stock Investing or Mutual Fund?

Sat, 26 Apr 2014 01:10:00 GMT

Imagine this situation: people in Reston were buying stocks and it did not matter to them if they only had a small amount of money each month to invest. However, they didn’t have the time to keep track of the market due to their day jobs and other activities. Still, they proceeded anyway because there was a promise of huge profits. The result? In this scenario, nine times out of ten would be failure.

In reality, direct stock investing is more suited for people who have the knowledge and skill to make the right picks and have the time to monitor and manage their investments on a daily basis. If you are a busy, working professional, you may find it impossible to do this in a sustained manner over a long term.

In contrast, mutual funds would also require knowledge and skill, but it can be acquired by doing a just little research and with the help of a Reston wealth management advisor. Given that these portfolios are managed by professional fund managers, a mutual fund can be left to grow independently and tracked less frequently than a stock portfolio. Additionally, this latest development on the standing of mutual funds should encourage you:

This is when it should pay for a money manager to have maximum flexibility: the option to go almost anywhere with investors’ dollars in search of decent returns.

There are a few reasons these funds are worth a look now. First, U.S. stock prices are at or near record highs after the stunning gains of the last five years.

Second, the global economy’s rescue by central banks over the last five years has entered a new chapter. The U.S. Federal Reserve has begun to cut back on the torrent of money it has been supplying to the financial system to keep interest rates down.

Third, while share prices in the developed world have surged in the last few years, emerging markets overall have slumped in the face of weaker economic growth, rising inflation and political upheaval. For value-hunting investors, that means potential opportunities.

After you’ve decided to make the leap, the most important task is to look for a Nova wealth management firm that can commit to provide you with stewardship of your financial resources so you can continue to accumulate and safeguard your assets. AOG Wealth has an advisory team made up of industry advisors who will guide your venture into mutual funds, and you can be sure that they will take care of your investment well – after all, the company is backed by more than 100 years of combined experience in the field.

(Article Excerpt from This could be the right time for ‘go-anywhere’ mutual funds, latimes.com, April 6, 2014)

Congratulations Are In Order

Thu, 24 Apr 2014 01:10:00 GMT

Please join me in congratulating Michelle in this new endeavor.

Fred Baerenz, AIF
President & CEO

Care for Asset Management? Emergent Investors Needs All the Guidance

Sat, 19 Apr 2014 01:10:00 GMT

Today, asset management in Washington DC and the rest of the country is more difficult than it’s ever been. Successful investing takes education, training and lots of spare time. And with the way the financial world has been behaving, anyone who attempts to manage his own money alone, unless he has the necessary skill level, is being foolish.

Ironically, many who have the generous sums to invest have little to no investment experience. Some inherit the estate or receive insurance payments through their parents or other relatives. Others switch jobs and have large pension funds that they receive when they retire.

Some explore the investment field by themselves, but regrettably lack sufficient information to make intelligent financial decisions. They let their emotions govern their choices — buying when the markets are gaining and selling when the stocks are crashing. This article treads on a similar concern:

As the global markets continue to fluctuate, many investors and their portfolios are feeling the effects. Therefore, a sudden dip or rise in a portfolio may be the perfect time to take a look at whether or not one’s investments are truly diversified and assets are properly allocated among the different asset classes (e.g., equities, fixed income, and money market/cash equivalents).

Lastly, understanding how long you want to invest in order to meet your goals is important. In fact, it may be the thing that makes you choose one investment vehicle over another. Your personal time horizon extends from when you implement an investment strategy until you need to begin withdrawing money from an investment or investment portfolio.

Do take into consideration all your assets, e.g., your retirement savings and other investments, when you put together an asset allocation strategy or seek professional guidance. That way you can ensure that all your assets are working together to help meet your goals and objectives throughout all stages of your life.

If you have money to invest, you should hire AOG Wealth Management, a Potomac asset management firm that adapts investment and management strategies for emergent investors. They provide investment, retirement, and insurance portfolio management, college savings plans, mutual funds and other services to meet your unique financial goals. Their advisory team is made up of wealth management professionals with credentials and experience in estate planning, legal resources, investment management, tax preparation and planning, and retail banking.

(Article Excerpt from Asset allocation a portfolio key, www.theintelligencer.com, April 9, 2014)

MESSAGE FROM THE PRESIDENT: The “O” in GSO

Wed, 16 Apr 2014 01:10:00 GMT

The Franklin Square funds are sub-advised by GSO/ Blackstone. GSO was founded in 2005 by Bennett Goodman, Tripp Smith and Doug Ostrover. They had previously worked together at the finance firms Donaldson, Lufkin & Jenrette and Credit Suisse First Boston. The Blackstone Group manages private equity and alternative investments for institutional investors and sovereign wealth funds. Blackstone acquired GSO in 2008 to serve as their private debt arm to compliment the private equity division. This will be a week full of achievement as we track the first week of trading following the successful listing of the ARC Health Care REIT last week, and the expected listing of both Franklin Square and the ARC New York Recovery REIT!

Dividing the Money: Get the Right Legal and Financial Help

Sat, 12 Apr 2014 01:10:00 GMT

Dealing with a divorce can be very taxing and challenging. Apart from the emotional difficulties, it brings plenty of financial conflicts as well. Of course, it’s best to try to work on an amicable agreement. You can arrange the distribution of assets yourself as long as you can agree on everything.

However, it’s not easy to ride out these hard times so it’s always reasonable to ask for professional help. If there’s disagreement about money matters, a financial planner in Northern Virginia can advise you getting things done fairly. CNN Money has an article dealing with this exact subject:

Know the score. Gather investment and bank statements, going back at least a year. Copy tax returns for income history. Pull your credit report to know what debts you have.

Consult a lawyer. In case you require counsel later and to learn about state laws. In nine “community property” states, assets acquired during marriage are owned fifty-fifty. In the rest, the court decides the split if it goes to litigation.

Open accounts in your name. Start stockpiling a cash stash for emergencies and legal fees. Apply for a credit card, too, while household income is higher.

Once the process is under way

Get the right help. Working out a settlement with a mediator may save money. But if your finances are complex or your relations contentious, an attorney can help you avoid mistakes or costly concessions.

If you aren’t very familiar with the laws that govern the division of property in Virginia, go to AOG Wealth and ask about their legal resources services. This financial advisor in Northern Virginia will help you protect your individual interests, and assist you so that you can continue to achieve your individual financial goals including retirement funds, insurance portfolios, and tax preparation and planning.

The fact is, sometimes things just don’t work out the way we want them to; but that’s no reason to simply let things fall into chaos. Get in touch with AOG Wealth now and explore all your options before making a decision.

(Article Excerpt from Don’t let divorce wreck your finances, money.cnn.com)

KBS Strategic Opportunity Fund Re-Valued its Shares

Wed, 09 Apr 2014 01:10:00 GMT

This higher stock price is in addition to the $1.14 per share principal distributions that have previously have been distributed to investors. The Board of Directors also announced an additional distribution of 5 cents/share which will be sent to shareholders on April 15, 2014.

The primary objective of the KBS Strategic Opportunity Fund is to take advantage of arbitrage opportunities between real estate debt and equity markets that occurred following the 2008 recession and the collapse of the stock market and many financial institutions. The previous and upcoming distributions and share price appreciation are indications that KBS is effectively executing on this plan.

This Season’s Financial Advice: Spring Time is Financial Planning Time

Wed, 09 Apr 2014 01:10:00 GMT

While you and the rest of Washington DC residents are deep in your spring cleaning chores, have you checked another matter that also rightly deserves some dusting off — how’s your long-term financial plan? In case you don’t know, April is National Financial Literacy Month, a rather fitting time to spring into action when it comes to planning your financial future. If you already secured a plan, this is a great opportunity for you to talk with a wealth advisor for wealth management in Washington DC and take another serious look at it to make sure you’re still “on track” to reach your financial goals.

This information from a 2013 survey conducted by the Employee Benefit Research Institute reveals how people are behaving with regards to their financial plans:

The percentage of workers confident about having enough money for a comfortable retirement is essentially unchanged from the record lows observed in 2011. While more than half express some level of confidence (13 percent are very confident and 38 percent are somewhat confident), 28 percent are not at all confident (up from 23 percent in 2012 but statistically equivalent to 27 percent in 2011), and 21 percent are not too confident.

Retiree confidence in having a financially secure retirement is also unchanged, with18 percent very confident and 14 percent not at all confident.

No matter how old you are or what your goals are, wealth management firms in DC recommend that you start planning as soon as you can. If you’re still in your 30s and retirement seems a lifetime away, it’s still in your best interest to begin saving now for the future — “right away” because your youth will certainly work to your advantage.

AOG Wealth, with more than 100 years of combined industry experience, will assist you in figuring out how much you will need for retirement. Visit their website at aogwealth.com to request a Complimentary Consultation. The company serves areas in Northern Virginia, including Great Falls, Reston, Potomac, Arlington, McLean and Georgetown.

(Article Excerpt from EBRI’s 2013 Retirement Confidence Survey: Perceived Savings Needs Outpace Reality for Many, ebri.org)

‘Another American Realty Capital Announcement, Healthcare REIT Scheduled to List

Sat, 05 Apr 2014 01:10:00 GMT

ARC Healthcare incorporated in August 2010 and closed to new investors in April 2013 and fully invested all funds raised by December 2013.

Currently ARC Healthcare is paying out 90% of its earnings as measured by Adjusted Funds From Operations (AFFO) and has a loan to value ratio of only 30%. The portfolio currently has 141 properties consisting of 51% Medical Office Buildings, 30% Senior Housing and 19% Hospital/Post-Acute Facilities. 38.9% of the tenants (based on fund income) are investment grade rated.

“We are very excited for ARC Healthcare to continue its evolution as it enters the next phase of growth as a NASDAQ listed company,” stated Nicholas S. Schorsch, Executive Chairman of ARC Healthcare’s Board of Directors. “Our focus on stockholder returns, quality investments and balance sheet flexibility will continue to guide our future strategies for growth.”

AOG Wealth Management will communicate our estimates of Fair Market Value and Enterprise Value next week, along with buy/hold/sell recommendations. We will review those recommendations via email, a conference call and individual investor meetings.

American Realty Capital New York Recovery REIT, Inc. Scheduled to List

Fri, 04 Apr 2014 01:10:00 GMT

The company commenced its public offering in September 2010 and closed to new investors in November 2013. They have built a portfolio of 23 high quality properties located entirely in New York City, comprised of nearly 90% office or retail properties.

Michael A. Happel, the Company’s President added, “In some ways, I view this listing as the “second act” for our Company. We’re very proud of the portfolio we’ve assembled at a time in the New York real estate market that proved opportune for investors. Our entire portfolio was acquired within the last four years, is 100% located in New York City, and is comprised of more than 90% office or retail properties. In short, we are the “pure play” on New York City real estate. Looking forward, we have an active pipeline of acquisition opportunities, an investment grade quality balance sheet, and strong internal growth prospects within the existing portfolio.”

Your advisors at AOG Wealth Management are pleased to observe this “liquidity” event occurring so soon after the fund closed to investors as a non-traded REIT. Our Analysts and Investment Committee will be closely analyzing the offering documents and evaluating comparable traded REITs to determine a recommended sale price.

Franklin Square Investment Corporation will list on the NYSE

Thu, 03 Apr 2014 01:10:00 GMT

AOG Wealth Management is pleased to announce that subject to New York Stock Exchange Approval (NYSE), Franklin Square Investment Corporation (FSIC) will list on the NYSE under the ticker symbol FSIC in April 2014.

FSIC is a Business Development Company (BDC) that invests primarily in the floating rate, senior secured debt securities of private U.S. companies. The fund is managed by Franklin Square Capital Partners and sub-advised by an affiliate of GSO Capital Partners, the credit platform of Blackstone. Franklin Square and GSO/Blackstone are the world’s largest manager of BDC assets, with over $9 billion of assets across their funds.

FSIC was the first BDC to raise funds as a non-traded entity. They commenced raising money from individual investors in the 4 ^th quarter of 2008 and closed to new investors in April of 2012. When FSIC lists, it will be among the largest BDC’s in the market with over $4.6 billion in assets under management, and boasting a portfolio consisting of 180 companies. (as of the latest public filing from September 20, 2013).

FSIC’s current annualized distribution rate is 8.47% of the recently announced net asset value of $10.30. In addition, as of the latest filing, the fund had generated approximately $124.2 million of undistributed net investment income and realized capital gains. FSIC expects to distribute portions of this excess income to stockholders in the form of one or more special distributions following the listing. “We believe the portfolio will continue to produce strong risk-adjusted returns and serve as a good investment for those seeking current income and capital preservation.” said Michael C. Forman, Chairman and CEO of FSIC.

Please call Fred or Jim if you have any questions.

Nick Schorsch, Chairman and CEO of American Realty Capital Properties, Puts His Money Where His Mouth Is

Wed, 02 Apr 2014 01:10:00 GMT

Nick Schorsch, Chairman and CEO of American Realty Capital Properties (ARCP), purchased another 50,000 shares of ARCP yesterday at $13.78 bringing his total number of shares owned to 3.6 million shares (As reported on SEC Form 4) .

AOG continues to hold ARCP as a core position in its clients’ portfolios.

Panelist for REISA Spring Symposium

Thu, 27 Mar 2014 01:10:00 GMT

Pictured above are John Grady, COO for Realty Capital Securities; Deborah Froling, Partner at Arent Fox LLP and Secretary of the REISA Board; Mark Kosanke, CEO of Concorde Investments and President of the REISA Board; and Cynthia Krus, Partner at Sutherland Asbill & Brennan LLP.

Happy Birthday Bull Market!

Fri, 14 Mar 2014 01:10:00 GMT

March 9, 2009 marked the first day of the current bull market run for US stocks. Although the reasons for the five year and counting bull market run are varied, most economists would cite some combination of the following factors: slowly improving numbers for Gross Domestic Product, sluggish but consistent job creation, increased capital expenditures by companies, a burgeoning energy revitalization that is also spurring the return of manufacturing due to steady and relatively inexpensive natural gas, and the continued advances of technology.

As we look back over the last five years, we should celebrate the bi-partisan hearings of the Committee on Financial Services. Please see below a quote from the Market Watch Report dated April 2, 2009 that details committee hearings from March 9 & 12, 2009. I believe this was the turning point that stabilized capital markets, and reversed the stranglehold that FASB guidelines had imposed the year before. Those guidelines had unnecessarily created a liquidity crisis for American businesses and their creditors. The reversal of FASB guidelines allowed businesses to value their assets, not at a daily “fire-sale” price, but rather at a more reasonable value, taking into account other factors, including income generating capability. This allowed lenders and businesses to operate more effectively, which prevented an even more destructive and compounding downward spiral for businesses, and would have produced a much deeper bottom for the US and world economy.

“Legislative pressure by lawmakers on FASB pinnacled on March 12 at a congressional hearing focusing on mark to market accounting. Lawmakers pressed FASB’s Herz, who testified before the committee, to produce new audit guidance within three weeks.”

Oral, Ronald. “FASB approves more mark-to-market flexibility.” Market Watch. The Wall Street Journal, 2 April 2009. Web. 10 March 2014. http://www.marketwatch.com/story/fasb-approves-more-mark-market-flexibility

Our Due Diligence Efforts Continue

Tue, 04 Mar 2014 01:10:00 GMT

Jim and I spent several days in Salt Lake City reviewing both the Phillips Edison Companies and Cottonwood Residential Inc. Many of you are familiar with Phillips Edison, which is the “PE” in the PECO I Grocery Store Anchored Shopping Center REIT (now closed to new investors) and the PECO II REIT Fund, which was recently approved for new investors.

American Realty Capital has a number of investments that it creates and self-manages, and it is also attempting to provide a platform for “best in class” managers of other types of portfolios. The PECO Grocery Store REIT, which is jointly managed in Cincinnati and Salt Lake City, is the first of those offerings. Since one of the “liquidity” possibilities for PECO I is a listing on the NYSE or NASDAQ, Jim and I wanted to meet the executives and managers who will continue to run the day-to-day operations of the investment. We also wanted to hear from them about their “traded” REIT competitors, since that will form the basis of AOG setting a price expectation if PECO lists on an index.

We had similar discussions with the executives of Cottonwood Residential Inc. Jim and I have known their principals for five years, and have been impressed with how they have built their company. Many of the cost saving practices that ARC implemented over the last five years are incorporated in the Cottonwood structure. As demand for apartment rentals has risen over the last five years, so has the price of the buildings. It was important for Jim and me to understand their process for selecting new investments with the goal of producing a positive outcome for investors.

All in all it was a successful week. It is always tough to keep up with office work while we are out on the road, but our team mates that stayed behind in Great Falls kept the trains on the track. We have a very robust education schedule this spring, and hope to see you there or in client meetings to update you on all of our portfolio information.

The US Energy Sector

Fri, 28 Feb 2014 01:10:00 GMT

Please call Fred or Jim if you have any questions.

REISA Elects 2014 President-Elect and Officers

Fri, 31 Jan 2014 01:10:00 GMT

INDIANAPOLIS – At its first Board meeting of the year, REISA’s Board of Directors elected its 2014 officers. Thomas G. Voekler will serve as the 2014 President-Elect. Mark Kosanke of Concorde Financial Group is currently serving as the 2014 REISA President. The other REISA officers elected were: Peter Blum of Ladenburg Thalmann as Vice President; Derek Peterson of Walton International Group as Secretary; and Deborah Froling of Arent Fox as Treasurer. 2013 REISA President Michael Weil of American Realty Capital will remain on the Board as Immediate Past President.

Fred Baerenz, AOG Wealth Management

Twenty Years and Counting…..

Tue, 28 Jan 2014 01:10:00 GMT

Twenty years ago Bill Clinton was in his second year as President, Newt Gingrich was about to be elected Speaker of the House of Representatives, and very few people had heard of Osama bin Laden or the iPhone. However, that was an important year for Susan and Chas, and for Fred Baerenz and AOG Wealth Management. It was during that year that I received my securities training from Smith Barney, and met my very first clients. I have been blessed with serving them now for more than twenty years.

During their respective teaching careers, both Susan and Chas were very well-respected educators in the Loudoun County School System. Chas taught there for more than 30 years, and his retirement party was attended by several members of the School Board, including the Chairman. He served as a teacher, coach, middle school dean, and assistant principal. Susan was honored as the Educator of the Year by the Washington Post, and mentored many elementary school principals in Loudoun County. Both were beloved by their staff, faculty, parents, colleagues and students.

From 2007 to 2010, Susan chaired the first Client Advisory Council for AOG Wealth Management. Along the way, they have become personal friends to Sheila and me, and the four of us happened to attend a very rainy game between the Washington Nationals and the San Francisco Giants where Randy Johnson won his 300 ^th game. Due to a family illness, Susan and Chas were unable to attend our 2013 Client Appreciation Dinner, so we set up a special celebration with their family last Friday night. Pictured with Sheila and Fred are Susan, Chas, their three children, two sons-in-law and daughter-in-law. Not pictured are their four wonderful grandchildren (who each are AOG clients with their 529 college savings accounts). We are delighted to be serving into our 3 ^rd decade and our 3 ^rd generation with Chas, Susan and family!

MESSAGE FROM THE PRESIDENT: Equality and Justice

Fri, 24 Jan 2014 01:10:00 GMT

My father was a career officer in the United States Air Force. While we were stationed at Clark Air Force Base, in the Philippine Islands, one of my best friends, Kevin Stockdale, lived a couple of doors down, and we were inseparable. We played on league baseball, football and basketball teams, played backyard pick-up games, and did lots of kid stuff. He tagged along once when my mom was taking me to the barber to get a haircut. As we were leaving, one of the Filipino barbers, noticing that Kevin was African American, nodded and smiled at my mom, and said “adopted?” My mom without missing a beat said “nope, natural child birth,” and continued out the door leaving a perplexed barber in her wake.

I tell that story to make a more significant point. As we honor the memory of the Reverend Dr. Martin Luther King today, I hope that we are moving closer to his vision. I have listened many times to his “I Have a Dream” speech, and in particular to the phrase,” “I have a dream that my four little children will one day live in a nation where they will not be judged by the color of their skin , but by the content of their character .” As we move toward becoming a “more perfect union”, I hope that we continue to become a “color-blind” society. That we collectively notice people primarily for the content of their character, and that race, sex, and ethnicity are just interesting features. Thank you Dr. King for being such a powerful advocate for equality and justice!

Is 2014 the REIT Time to Hire a Reston Wealth Management Company?

Mon, 20 Jan 2014 01:10:00 GMT

The real estate industry’s performance in 2013 may have been far from stellar, but it does have a few high points. Granted, high interest rates have resulted in a large inventory of properties for sale albeit with fewer buyers. However, WealthManagement.com argues that this could be a good thing since the environment for 2014 seems to favor investing in real estate investment trusts or REITs:

Such things would usually fly past the radar of homeowners who don’t employ reliable wealth management firms, thus denying them an opportunity to gain more wealth with what they have. After all, when it comes to managing family assets, it’s not just about ensuring that properties are secured for the long term, it’s also about making sensible investment decisions with tools like real estate listings, insurance trusts, and the like. A reputable Reston wealth management firm like AOG Wealth Management can help high net worth clients identify the right investment opportunities according to their goals and preferences.

One such lucrative venture would be REITs, which enable homeowners to invest in multiple commercial and residential properties in their communities. Unlike other investments, REITs are very diverse as shares can be traded rather easily. Taxation is also fairly straightforward with REITs since they are taxed at the individual level.

In any case, many financial experts point out that estate planning should take place as early as one’s college years. Legally speaking, people as young as 18 are already qualified to write their own wills, although this is another story for another day. The point is that even youngsters with enough financial sense can already make investment decisions. However, investors are highly prone to committing costly mistakes without the help of reliable Potomac wealth advisors who can help them steer clear of the issues that haunted the market in 2013.

(Article Information and Image from A Real Estate Revival? , Wealth Management, January 7, 2014)

MESSAGE FROM THE PRESIDENT: Getting Involved

Fri, 17 Jan 2014 01:10:00 GMT

In the last week, I spent two days in Orlando, Florida at my first meeting of the Policy Advocacy Committee of the Investment Program Association, and three days in New Orleans at my first meeting of the Real Estate Investment Securities Association as a member of the Board of Directors. Since about half the members of the IPA Policy Committee are also members of the IPA Board of Directors, it was very interesting and informative to see how each group grapples with the same issues, but from different perspectives, and with slightly different action plans. While I regret the time intrusion on my work at AOG and with my family, I believe that the critical inflection point for these pressing issues (which affect our ability to help our clients) demands this time and attention. For years I have heard colleagues wax about “getting involved” in the political/regulatory process when they retire. For me that time is now. Although President Kennedy and Prime Minister Churchill used the phrase, I think the following quote has been rightfully attributed to Edmund Burke:

“the only thing necessary for the triumph of evil is for good men to do nothing”

The Department of Labor (which controls the rules on many retirement plans) and the Securities and Exchange Commission are both engaged with members of Congress on a potential revision of “The Fiduciary Standard”. This question revolves around the duty and obligations financial advisors have when recommending an investment. Registered Investment Advisors (who charge a fee based on hours or assets) must operate under the Fiduciary Standard. Brokers (who charge a commission) have a lesser duty. At AOG, we have operated under a Fiduciary Standard, even if we received a commission (for non-traded REITS, or energy drilling partnerships). Although most of the financial world draws a strong black/white contrast between advisor/broker and fee/commission, we operate as a hybrid. Some products, which are generally only available under a brokerage/commission agreement, are very helpful to portfolios, in ways that cannot be achieved by “pure” Registered Investment Advisors. Although we would prefer to operate purely as an RIA (it would be quicker, easier less specialized paperwork), we continue to put our client’s best interest first. Although we operate under a Fiduciary Standard, we don’t believe DOL and the SEC should impose a “one-size” fits all standard that could inadvertently hurt those it purports to help. Just recently, 30 Democrat House Representatives joined Republicans in this discussion.

Grim Retirement Prospects Stress the Need for Potomac Asset Management

Mon, 13 Jan 2014 01:10:00 GMT

Many Americans look forward to their retirement, particularly those who have managed to secure steady income streams and consequently can afford not to work. Sadly, things are hardly ideal nowadays, what with a weakened economy and a less-than-perfect healthcare system that has compromised countless retirement plans. According to CBS Local, there’s a good chance that many Americans wouldn’t even taste the fruits of their labor and may even be compelled to keep on working well beyond retirement age:

A lot of factors brought about this unfortunate turn of events. Yet rather than pin the blame on someone or something, pre-retirees should make it a point to plan ahead and put their money to good use rather than waste their remaining productive years. Such a strategy requires the expertise of a reputable Potomac asset management firm such as AOG Wealth Management.

A wealth management firm advises clients how to diversify their portfolios and identify suitable ventures or investment opportunities to grow their assets. With luck, the fruits of these investments should be enough to sustain a retiree during his or her twilight years. That said, planning one’s assets with retirement in mind is obviously easier said than done.

Some people assume that their pensions and 401(k) investments are enough to provide a sizable retirement fund. The reality is much more complicated than that because the amount incurred by a 401(k) is usually only enough to pay for housing and basic necessities, with little to no opportunity to expand one’s investments and generate additional income. Throw inflation into the equation, and it’s easy to see how one’s 401(k) may no longer be enough to keep up with inflation or provide for basic necessities in the future.

It takes someone with a high level of “financial literacy” to be able to expand one’s wealth even throughout his or her retirement years. For people in DC, this could mean hiring an expert from a reputable Potomac asset management company . With expert help, your modest 401(k) could soon be the ticket to the carefree and peaceful retirement that you deserve.

(Article Information and Image from Retirement Unlikely For Many Blue-Collar Americans , CBS Local Media, December 31, 2013)

New Technology to start off the New Year!

Fri, 10 Jan 2014 01:10:00 GMT

HAPPY NEW YEAR!

Several weeks ago, we provided you with the first update on several new pieces of technology that will make their debut in 2014. This week, we are excited to share with you two additional components – Finametrica and IPS Advisor Pro.

Finametrica is an in-depth risk tolerance questionnaire that focuses on analyzing feelings towards risk from a variety of perspectives. The questionnaire is then integrated into a customized investment policy statement (IPS), created through IPS Advisor Pro. The IPS provides an overview of AOG’s investment philosophy, monitoring procedures, and responsibilities in conjunction with the client’s investment objectives, risk tolerance, and appropriate asset allocation model. These tools will enable us to improve our existing procedures for documenting and understanding our clients’ unique goals, objectives, and risk tolerance.

Next steps: Prior to your first meeting of 2014, we will be setting up calls to provide instructions to access the questionnaire and to answer any you may have while completing your assessment. Once the questionnaire has been completed, we will prepare an investment policy statement that outlines your investment goals, risk tolerance, and appropriate portfolio model that will be presented during the meeting.

We are looking forward to seeing each of our clients in 2014 and utilizing these new and exciting tools!

Why a Northern Virginia Financial Planner’s Second Opinion Matters

Tue, 07 Jan 2014 01:10:00 GMT

An Entrepreneur article tackles the importance of financial planning for anyone who wishes to achieve success in life. Without any form of financial planning in place, it would be difficult for an individual to get out of debt, much less muster enough funds for savings. The article stresses that those who are inexperienced or have limited financial know-how should hire a financial planner:

At the end of the day, everyone needs professional help from time to time. You know you need to hire a CFP if you:

It’s bad enough to lack funds for future investments and payments, but it’s even worse to not know how to manage your money properly. Sadly, there are those who are likely to commit financial mistakes due to their poor or limited understanding of certain fiscal concepts. A financial planner from Northern Virginia, on the other hand, can help clients get started on the path toward financial health.

There are several benefits to hiring a financial planner that all individuals would do well to consider. Among other things, a financial planner can assess financial risks to help clients avoid economic pitfalls—certainly a great service for those who keep on committing costly mistakes due to their uncontrolled spending habits. Financial planners can also help out with taxation, asset allocation, portfolio diversification, and estate planning depending on their clients’ needs.

Trusted financial advisors in Northern Virginia, such as those from AOG Wealth Management Inc., also take the time to know each client so they can accordingly draw up a roadmap, so to speak, that’s oriented toward the client’s long-term wealth management goals. For instance, a financial advisor can advise clients on the best way to diversify their investment portfolios in order to protect their finances from market fluctuations. For a lot of high net worth individuals and business owners, therefore, choosing a reliable financial planner makes a lot of sense.

(Article Information and Image from 5 Steps to Take Control of Your Personal Finances , Entrepreneur)

Wealth Management Firms in DC Can Help Secure Your Financial Future

Sat, 04 Jan 2014 01:10:00 GMT

An article on the Street Smart Finance website extensively discusses the subject of wealth management, and how individuals can put certain principles into practice. Bluntly speaking, wealth management refers to any process that helps a person secure his or her financial well-being. This concept may sound simple in theory, yet most people tend to overstretch their goals; the article accordingly cautions readers to be more pragmatic:

Wealth management is more than just about portfolio diversification and asset allocation; it’s primarily focused on financial stability. Unsurprisingly, wealth management encompasses strategic handling of retirement plans, credit and debt, investments, estates, tax payments, and insurance policies in order to make the most out of every resource. High net worth individuals and small business owners can maintain better control of their finances with the aid of trusted wealth management firms in DC , such as AOG Wealth Management Inc.

Due to the convoluted nature of the financial system, it can be hard for some folks to come to grips with concepts like estates, taxation, and so on. Ignorance, in other words, is the enemy, and those who don’t understand what they’re getting themselves into (be it investments or retirement planning) are sure to get into fiscal trouble. It is far better to tap the expertise of trustworthy wealth managers than proceed with only the vaguest understanding of certain financial concepts.

Consumers are advised to seek a veteran wealth manager can provide no-nonsense advice on how their clients can protect their assets. Although wealth management in DC sounds like an awful lot of work, managers can help clients make the right decisions and figure out realistic plans to realize their long-term financial goals.

(Article Information and Image from 5 Essential Tips for Your Wealth Management , Street Smart Finance)

New Year Reflections

Tue, 31 Dec 2013 01:10:00 GMT

William Howard Gore was my maternal grandfather. He was born in the territory of New Mexico (before statehood) in 1906, or as he liked to call it, “aught six”. He only completed the third grade, not because he dropped out, but because that was the extent of schooling available at the time. In his career, he punched cattle along the Chisolm Trail, worked as a self-taught aircraft engine mechanic, built and ran a small family motel and restaurant, and served as a local Magistrate. His recipe for chili rellenos was legendary. Pilots who had been stationed at Cannon AFB often scheduled training flights back to the base with just enough layover time to include a quick run back to “Zia Lodge” for to-go orders. Almost 20 years ago, my mother was discussing the family recipe with a waitress at a local Tex-Mex restaurant, and was suddenly escorted back to the kitchen, where she and the owner discussed whether the laborious preparation could be streamlined for the menu. The restaurant…. Anita’s !

Having lived through the depression with a young family (my uncle was born in 1929 and my mother in 1931), my grandparents were dyed-in-the-wool FDR Democrats. During the “dust-bowl” days, they trekked from New Mexico to California and back looking for work. Meals and money were scarce. However, they survived, and through hard work, determination and faith, they carved out a small family business that they operated into their 80s. My grandfather was born on January 3, 1906, and died on January 2, 1996, the day before he would have turned 90. I think of him around this time of year, and remember his gentleness, good humor, and “hands-on” ability to fix just about anything. Most of all I remember his favorite saying, which captured his life philosophy: “Act justly, seek (love) mercy and walk humbly with God.” (Micah 6:8b). I update my professional and personal goals annually (not exactly New Year Resolutions). The goals vary from year to year, but I hope they are aligned with my grandfather’s wisdom.

TAPERING QE3 – The Bernanke Exclamation Point

Sat, 21 Dec 2013 01:10:00 GMT

Throughout 2013, many economists wondered if the Federal Reserve was waiting too long to begin “tapering” the third round of Quantitative Easing. As a quick reminder, the Fed has a dual mandate to encourage “full” employment…generally having the unemployment rate at or below 5%. The Fed is also expected to keep inflation at or below 3%. Keynesian Economic Theory holds that if the economy is slow, the Fed can reduce the rate it charges member banks, so that they will reduce what they charge consumers. For almost five years, the Fed Funds rate has been zero, and can’t go negative. The hope is that if interest rates are low, businesses and consumers will be more likely to borrow and spend, which should stimulate economic growth. However, too much growth, can lead to unacceptable inflation.

The second “lever” that the Fed can use to stimulate the economy is to increase the money supply. In buying bonds, the Fed removes bonds from bank balance sheets, and replaces them with cash. Since banks don’t make money on cash, they should theoretically want to lend more money. However, as banks have struggled to understand all the new requirements stated and implied by the Dodd-Frank Act, and the agreements from the Basel III Accords, they have been very reluctant to lend out that cash. All of this “stimulus”, QE1, QE2, QE3, TARP, TALF and the $757 Billion Stimulus Package proposed by George Bush and signed by Barack Obama has grown the Federal Balance sheet to almost $4Billion. QE3 has continued adding $85 Billion per month to that balance sheet. With the announcement yesterday, the Fed is “tapering” that to only $75 Billion per month. When Chairman Bernanke hinted at the policy change in June, bond funds and dividend-rich stocks plunged in value. Yesterday, the Dow rose almost 300 points after the announcement, so it seems that the announcement was already “priced in” by investors. The next time the Federal Open Market Committee meets, the new Chairman will likely be Janet Yellen. The action yesterday signals what we hope is the beginning of the end of the need for extraordinary intervention by the Federal Reserve as the economy continues to slowly recover from the shock of 2008, and also makes the transition easier for Chairman-designate Yellen.

2013 REISA Conference Interview with Frederick Baerenz, President of AOG Wealth Management

Wed, 18 Dec 2013 01:10:00 GMT

2013 REISA Conference Interview with Frederick Baerenz, President of AOG Wealth Management

MESSAGE FROM THE PRESIDENT: We hope everyone stayed safe and warm this week!

Fri, 13 Dec 2013 01:10:00 GMT

As many of you may have already heard, we will be implementing several new pieces of technology at the beginning of 2014 that we believe will significantly improve the way in which we serve our clients. One major component of our new technology package is an upgraded portfolio management system, called Orion. This will provide us with new performance and overview reports that will be used during regular review meetings and several helpful tools that can be accessed online via your personalized client portal. Over the past several months we have been working with the team at Orion to fully customize each report and feature, based on the feedback we have received from our clients and industry best-practices. We are wrapping up the final stages of the process and are excited to begin the roll-out to our clients.

We will be reaching out in January to provide each client with their new login to the online portal. In a few weeks, we will highlight two additional pieces of new technology that you will see in 2014 – stay tuned!

“We make a living by what we get, but we make a life by what we give.” – Winston Churchill

Tue, 10 Dec 2013 01:10:00 GMT

Through this holiday season of Thanksgiving, Chanukah, and Christmas, we have a wonderful opportunity to count our blessings, and to bless others. At AOG Wealth Management, we are privileged to serve clients who are constantly giving to their immediate and extended families, their communities, and a plethora of worthy causes around the world. After just finishing all of our fourth quarter tax planning meetings, making sure that each of you are prepared to pay all of your required state and federal taxes….but no extra…I am conscious of just how generous you are.

We have had the opportunity this year to support David’s Hope International (helping with schools, an orphanage, a medical clinic, clean water, and food in western Kenya), Jill’s House (respite care for seriously disabled children), the Foundation Fighting Blindness, The Wounded Warrior Program, and research to find cures for Breast Cancer, Lung Cancer, Diabetes, and Multiple Sclerosis. You have heard it said that “Much is expected from those to whom much is given”. We are proud to be associated with people who recognize this truth, believe it, and practice it

Welcome to our new website

Tue, 03 Dec 2013 01:10:00 GMT

We are pleased to announce that our new improved website will be launching this week. We hope everyone will take the time to go and visit our new home on the web. The launch of the new site is the result of the hard work of our top notch staff here at AOG (Shelia, Michelle, Erica, Karen) and our new partner Surefire Social.

We believe that the new look and feel of this website accurately communicates who we are and our unique capabilities as a firm. You will find a number of new pages that describe our investment philosophy and process, our staff and biographies and our local community involvement. We will also have a link to our new client portal where you will be able to access your account information and reports through our updated system beginning in 2014.

One of the key new aspects of our new site will be the blog page and our new social media presence. Our weekly newsletter, and other important items will now, not only be delivered through email, but going forward also be posted on the site in the blog section and delivered via Twitter, Facebook and LinkedIn.

We will also be writing Google articles, educational articles on investments that we utilize and the events that affect them, which will also be available on our blog and the social media outlets.

We encourage everyone to: follow us /link in/ like us/ connect with us on all our social media outlets and visit our new website, aogwealth.com, to receive the latest updates on all things AOG Wealth.

MESSAGE FROM THE PRESIDENT: No traffic jams on the “extra mile”

Wed, 20 Nov 2013 01:10:00 GMT

At the meeting, I was the first attendee to answer a Dallas Cowboy trivia question, and received an autographed football from Roger Staubach. Instead of a handoff, he fired a tight spiral from about thirty yards away (of course I caught it)! As a Heisman trophy winner at the Naval Academy, Naval Officer, Super Bowl MVP, Member of the NFL Hall of Fame, and very successful businessman, Roger made numerous points about character and leadership. One of his statements especially caught my attention. He said “there are no traffic jams on the ‘extra mile'”. I like avoiding traffic by traveling where there isn’t a crowd. Why is the “extra mile” not crowded? Because it requires hard work, dedication and perseverance. I hope that your experience with AOG is that we live on the “extra mile”.

Blog | AOG Wealth Management Inc. | Great Falls VA

What you need to know about IRA contribution limits

Account Maintenance Alert: Fraud Prevention Update from Schwab

AOG Hosts It's Fall Financial Seminar Featuring AOG Institutional Fund, AOGFX

AOG Wealth Management Proudly Hosted its Fall Financial Seminar Featuring AOG Institutional Fund, AOGFX

AOG Annual Family Winery Appreciation

AOG Annual Family Event Recap!

Our annual family event was an absolute blast, overflowing with laughter and joy! If you couldn't make it, don’t worry—here are some amazing photos that are sure to bring a big smile to your face. Enjoy the memories!

Welcoming Micah De Campos to our AOG family

Welcoming Micah DeCampos to Our AOG Family

Summer Sizzle 2024 Youth Program Recap

Summer Sizzle - AOG-Youth Program Recap

Northern Virginia Magazine 2024 Top Financial Recognition

TOP FINANCIAL PROFESSIONALS 2024

AOG Hosts It's Annual Mid-Year Financial Seminar

AOG Wealth Management Proudly Hosted its Annual Mid-Year Financial Update Featuring Robert Stein, CFA Deputy Chief Economist at First Trust

PRESS RELEASE: AOG Wealth Management Promotes Aaron Rosen To Chief Investment Officer of AOG Institutional Fund (AOGFX)

PRESS RELEASE: AOG Wealth Management Promotes Aaron Rosen To Chief Investment Officer of AOG Institutional Fund (AOGFX)

AOG Ladies' Luncheon Recap

How To Series: Video #6 Vaults

PRESS RELEASE: Senior Wealth Advisor Lydia Gosselin of AOG Wealth Management Receives Her Certified Financial Planner Certification

PRESS RELEASE: Senior Wealth Advisor Lydia Gosselin of AOG Wealth Management Receives Her Certified Financial Planner Certification

How To Series: Video #5 How to goals & Explore Mode

Fed Rate Cuts

AOG March Madness 2024

Client Services Update: Tax Prep Packet Prep

Economic Trends - AOG's Take on Gauging Inflation

PRESS RELEASE: Frederick Baerenz, President & CEO of AOG Institutional Fund, joins Pat Adrian for Nasdaq's premier episode of Fund Focus

PRESS RELEASE : Frederick Baerenz, President & CEO of AOG Institutional Fund, joins Pat Adrian for Nasdaq's premier episode of Fund Focus

Client Holiday Appreciation

AOG Wealth Management hosted an afternoon of family fun and holiday cheer.

AOG Hosts Dinner Seminar Featuring Carlyle

AOG Wealth Management Proudly Hosted a Client Education Dinner Seminar in October Featuring Carlyle

Fred Baerenz and his Team Competed in this Year’s Jill's House Annual Charity Golf Tournament

Banking Challenges Lead to Private Credit Opportunities

Banking challenges lead to private credit opportunities

How To Series: Video #4 Spending Tabs

All for one and one for all!

Take a look at your AOG Team!

Northern Virginia Magazine 2023 Top Financial Recognition

TOP FINANCIAL PROFESSIONALS 2023

AOG Wealth Management School Supply Drive

Thank you from Dogwood Elementary School!

New AOG Bond Policy

Due to an unexpected and highly unusual reversal of the policy funding US Govt debt, AOG has changed our bond policy. Check out Fred's video below for more details.

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Private Equity or IPO? Potential Benefits and Challenges

Private Equity or IPO? Potential Benefits and Challenges

eMoney How To Series #3

ERIN HOLT IS BACK WITH ANOTHER HOW TO VIDEO ON HOW TO REPAIR LINKS TO YOUR ACCOUNTS IN EMONEY.

Why is the Market Selling Off Today?

Why is the Market Selling Off Today?

Sizzling Summer Finance

First Trust Mid-Year Update Client Education Seminar

eMoney How To Series #2

ERIN HOLT IS BACK WITH ANOTHER HOW TO VIDEO ON HOW TO LINK YOUR ACCOUNTS IN EMONEY.

Welcome Aboard - Aaron Rosen!

Aaron Rosen joins AOG Wealth Management, the Advisor for AOG Institutional Diversified Fund (AOGFX)

Ladies' Luncheon Was A Success!

AOG's 7th Annual Ladies' Luncheon

eMoney How To Series #1

ADVISOR ERIN HOLT WALKS YOU THROUGH THE FIRST OUT OF MANY "HOW TO" VIDEOS ON THE BEST WAY TO USE EMONEY.

Frederick Baerenz & AOG Partner with United Charitable

Gifts that Keep on Giving - Frederick Baerenz & AOG Partner with United Charitable

Navigating Turbulent Waves

James Ortlip shares his perspective on Navigating Turbulent Waves

Frederick Baerenz Discusses The Three Principle Indicators of the Correction/Recession

Fred Baerenz shares his perspective on the impending correction/recession.

Blue Vault Bowman Alts Summit 2023

Honored to be Presenters at this Year's

Blue Vault Bowman Alts Summit 2023

Let the March Madness Competition Begin

Ready for some basketball?

Now Effective Under 1940 Act and 1933 Act

AOG Institutional Diversified Fund (AOGFX) Now Effective Under 1940 Act and 1933 Act

Why Allocating to Alts is a Growing Trend

Frederick Baerenz on Why Allocating to Alts is a Growing Trend

Ares Client Education Seminar

AOG Receives a Huge Welcome to Times Square

AOG Receives a Huge Welcome to Times Square

Recording Available Now

AOG Wealth Management is a proud sponsor of

Celebrate Great Falls Concert on the Green.

Join us for a free, live concert.

Pack up the kids, a blanket, and your lawn chairs.

Fred Baerenz and AOG invite you to join in the walk to fight blinding diseases.

AOG Wealth Management is a proud sponsor of Celebrate Great Falls Concert on the Green. Join us for a free, live concert. Pack up the kids, a blanket, and your lawn chairs.