Author: Richard Archer

With tax season approaching, I wanted to reach out with a few new tax saving opportunities that opened up due to the latest tax rules (the 2017 TCJA and 2019 SECURE Act) passed by the federal government.

This is a TIME-SENSITIVE opportunity, and to take advantage of your potential savings to the fullest you’ll need to act on this fast (before you file your taxes), so pay close attention.

These new tax rules can radically change your tax picture from now until 2025 when the 2017 rules are set to expire (unless a new administration changes them sooner).

For some people, these new tax rules could permanently lower the taxes they’ll pay for LIFE.

Remember, this is truly a LIMITED-TIME opportunity for two reasons:

#1 – The laws are set to expire in 2025, so you’ll want to take advantage to the fullest until then because you’ll probably pay more in taxes in the following years if the tax brackets return to pre-TCJA levels.

#2 – Some of the tax saving strategies in the free tax savings guide (below) need to be completed before you file your tax return, so it’s very important that you take action right now.

If you’re interested in saving more on your taxes under the latest tax rules, see this free guide to help you save every penny you can (including 6 “hidden” opportunities).

Please feel free to forward this email to a friend, business relation, or family member who may benefit from this tax saving guide.

Remember, this opportunity is time-sensitive; I highly recommend you read this now so you can take advantage to the fullest. If you have any questions, please “reply” to this email or call my office at 800-840-5946.

FREE Tax Savings Guide: The 6 “Hidden” Tax Saving Opportunities

Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.

We’re giving more to charity than ever before.¹ One reason is that giving feels good. It gives us a warm glow that can inspire us to keep giving.²

That’s probably why charitable contributions have increased by 5% over the past few years¹—and experts expect this trend to continue.³

That’s promising, but it could be even better.

That’s because about 2 out of 3 people say they want to give more, but they aren’t. Why?

Because they don’t have a giving strategy—and they don’t know what the impact of their giving will be.⁴

In this month’s Visual Insights Newsletter, we explore the concept of strategic giving and its essential role in maximizing the impact of philanthropy. Click here to see it!

With the right charitable giving strategies, you can feel more fulfilled and make a greater impact on the world.⁵

Go ahead and click here to discover more about strategic philanthropy.

P.S. Donors cite philanthropy as the number one way to make an impact on the world.⁶ Make sure your charitable gifts are making the greatest impact by checking out this month’s Visual Insights Newsletter.

¹_{https://www.charitynavigator.org/index.cfm?bay=content.view&cpid=42}

²_{https://www.pitt.edu/~vester/whydopeoplegive.pdf}

³_{https://philanthropy.iupui.edu/news-events/news-item/new-study-predicts-charitable-giving-will-increase-in-each-of-next-two-years-.html?id=287}

⁴_{https://www.fidelitycharitable.org/about-us/news/study-finds-64-percent-of-donors-want-to-give-more.html}

⁵_{https://www.hbs.edu/faculty/Publication%20Files/10-012_0350a55d-585b-419d-89e7-91833a612fb5.pdf}

⁶_{https://philanthropy.iupui.edu/news-events/news-item/2018-u.s.-trust-study-finds-high-net-worth-donors%E2%80%99-average-giving-amounts-increased-since-2015.html?id=277}

Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.

The Beatles famously sang, “Money can’t buy me love.”

But, money should be able to buy happiness, right?

If people can buy the things they want, need, and enjoy, it’s seems like money should make them happy. But it doesn’t always.

Why?

Harvard researchers say it’s because people don’t spend it right. They don’t know what makes them happy, so they waste their money on things they think will make them happy but often don’t. They simply don’t know how to use their money to sustain happiness and experience a richer, more meaningful life.¹

So, how can you live a rich life? Do you know what your rich life looks like? In this month’s Visual Insights Newsletter, we explore these questions and share some strategies for living a richer life. Click here to check it out!

While money is an opportunity for happiness, it’s no guarantee. And Harvard researchers say that, if money isn’t making us happy, it’s our fault.¹

But there are things we can do about it. We can use our wealth with purpose to create the rich lives we want to live.

Go ahead and click here to find out more about how to live a rich life.

Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.

How much joy do you feel during the holidays?

If you’re like many people, the spirit of the season comes with a side of stress.

In fact, research shows that about 2 in 3 people experience holiday stress¹— and that the pressure to feel happy is a major source of holiday stress and depression.²

Before holiday stress becomes overwhelming, stop it from snowballing. There’s plenty you can do to manage holiday stress and get more joy out of the season!

In this month’s Visual Insights Newsletter, we explore the causes of holiday stress and effective ways to deal with it. Click here to see it!

When it comes to holiday stress, there’s no one-size-fits-all solution. But with the right mindset and strategies, you can cut through the stress and truly enjoy the holiday season, instead of just trying to survive it!

Go ahead and click here to get essential tips for reducing holiday stress.

¹_{https://neuro.hms.harvard.edu/harvard-mahoney-neuroscience-institute/brain-newsletter/and-brain-series/holiday-stress-and-brain}

²_{https://health.usnews.com/health-care/patient-advice/articles/2017-09-08/could-pressure-to-be-happy-actually-drive-levels-of-depression}

Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.

No matter what they are, they’re guiding your financial choices. And they’ve already shaped your financial habits.

This month, we’re exploring the importance of your money mindset and sharing some exercises to help you understand more about it. Click here to check it out!

The more you know about your money mindset, the more you’ll know about yourself — and how your mindset affects your financial decisions and your overall financial health.

Go ahead and click here to learn more about your money mindset.

Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.

Did you know that humans are twice as concerned about avoiding losses as they are about achieving investing gains?

That means investment losses hurt a lot.

You’ve probably heard that the worst thing you can do during a downturn is sell, but did you know the psychology behind that impulse? It’s called loss aversion.

It’s one of the reasons why people can sabotage their investments by selling when they get scared, missing the recovery, and then buying back in once they feel “safe” again.

Understanding and leveraging human psychology is one of my most important jobs as an adviser.

My approach uses the Risk Number^®, based on Nobel Prize-winning research. Together we can quantify how much risk you want, how much risk you currently have, how much risk you need to reach your goals, and how much risk you should take on.

Your Risk Number^® is like a speed limit. Some people are comfortable driving fast while others want to go slower.

I’d like to help you determine your comfort zone and use it to manage your investments so you can rest assured that your investment strategy truly reflects your Risk Number^®.

Discover Your Risk Number^® and find out if your current investment strategy truly reflects your risk tolerance (and for many people, it doesn’t).

Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.

The right strategies and advice can be the perfect antidote to recession panic.

In this month’s Visual Insights Newsletter, we’ll share some helpful strategies for avoiding panic so you can weather any recession. Click here to see it!

We can’t predict recessions. They don’t occur at regular intervals. But we do know that, in any 4-year period, there’s about a 65% chance that a recession will happen.¹

With 15 recessions over the past century or so, that’s an average of one recession every 6 to 7 years.²

And these recessions have been caused by anything from bad economic growth to inflation and industry collapses. So, we never can tell exactly what will cause the next one.

But don’t panic. Recessions are a natural part of the economic cycle.

And with a level head, helpful resources, and the right plan, you can survive and potentially thrive in any recession.

Go ahead and click here to find out the steps you can take to get through a recession.

¹_{https://equitablegrowth.org/recessions-happen-but-how-often/}

²_{https://www.thebalance.com/the-history-of-recessions-in-the-united-states-3306011}

Risk Disclosures: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. The S&P 500 is an unmanaged composite index considered to be representative of the U.S. stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. For illustrative purposes only.

Women face a very different relationship to finances, money, and investing than men do, because they are simply wired differently.

Women tend to view money not just as a means to an end but as a tool to improve lives, build communities, and create the life they want to live.

Unfortunately, most women (whether single or partnered, divorced or widowed, retired or still working) face internal “money blocks” that make them feel overwhelmed, unsure, and unheard.

I know that these internal “money blocks,” or scripts we tell ourselves, are far more than internal programming.

They are formed as a result of bad experiences with financial professionals, societal pressures, and even family situations.

Many women even report feeling judged or not listened to by their financial professionals (which is downright unfair and disrespectful).

I’m emailing you today to help you overcome the 5 biggest “money blocks” that many women face, so you can finally experience confidence, clarity, and power in your financial life.

The good news is, these “money blocks” are easier to overcome than you’d think.

All you need to do is uncover the source and replace the “money block” with a new, positive framework to rewire your internal script.

You’ll find step-by-step instructions to do that inside this FREE Guide: Unlock Your “Money Blocks”: How Women Can Break Through These 5 Barriers to Experience Financial Empowerment.

In this easy, 5-minute read you’ll:

• Discover why women’s relationships to money are fundamentally different from men’s
• Learn how to overcome these 5 internal conflicts and finally feel empowered and in control
• Get clarity and confidence in your financial journey

Will today be the day that marks your lifelong transformation with money so you can feel empowered and in control?

I truly hope so.

Take a few minutes and read this guide now.

Then, hit “reply” and let me know which of these 5 barriers ring true with you.

Read Now: Unlock Your “Money Blocks”: How Women Can Break Through These 5 Barriers to Experience Financial Empowerment.

In this issue of the Visual Insights Newsletter, we’re sharing some great conversation starters for
talking about money with young people.

Many parents and grandparents find these important conversations hard to start. One survey found that at
least 36% of parents struggle to talk about money with kids, and more than 76% admit to only discussing
money with their children less than once a month.
Yet… 97% agree that teaching kids good financial habits is important.
Why the disconnect between knowing and doing?
Difficulty knowing how to start the conversation…
Fear that they won’t listen…

What’s stopping you? (I’ve got some great conversation starters for you right in this issue of the
Visual Insights Newsletter)

Do you worry that your past financial mistakes compromise your authority around money?
Not even close.
The mistakes you’ve made and the lessons they taught you are powerful.
One, because they’ve given you hard-earned wisdom to share.
Two, because these mistakes are relatable.
If you don’t know how to start these critical financial conversations, start with:
The financial mistake I’ve learned the most from was…
The thing I regret buying the most was…
My proudest financial accomplishment was…
When money was tight, I made it work by…
I am grateful for…
A person whose money wisdom I greatly respect is…
I’ve learned the most about money by…
The best way I know to build good financial habits is by…
To me, money represents…
When I’m deciding whether to buy something or save the money, I…
My most treasured possession is…
Go ahead and click here to check out other great conversations starters that can jump-start the
money talk with kids.
Are you thinking about more ways to teach the young people in your life good financial habits? Hit reply to
ask me a question.

About Richard

Richard Archer is a financial advisor and the President of Archer Investment Management with more than twenty years of industry experience. He specializes in providing comprehensive financial planning and investment guidance and personalized care and attention to professionals with complex compensation and families pursuing financial freedom. Along with holding a Wharton Bachelor of Science in Economics and a Texas MBA, he is a CERTIFIED FINANCIAL PLANNER™ and a Chartered Financial Analyst®. He combines his advanced industry education and knowledge with his genuine care for people to provide clients with an exceptional experience. To learn more about Richard, connect with him on LinkedIn, Facebook, Twitter or visit www.archerim.com.