Capital V Group

07/17/2025

Needs vs. Wants: A fundamental concept for building a strong financial future. Understanding the difference is your first step towards smarter spending and saving. ⁠
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How do you distinguish between them? Let us know below!

07/16/2025

Imagine a life where your money works for you, not the other way around. 🤔 That's the power of financial freedom, and Capital V Group is here to show you how! We've distilled our expertise into 10 simple, essential steps designed to empower your financial journey. ⁠
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Ready to take control? Learn more by checking out our website.⁠
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07/15/2025

Testimonial Tuesday 🤝 So much of what we do at Capital V Group is about building trust and delivering tangible results for our clients. We're incredibly proud to share some kind words from our client, Ricky S., who experienced firsthand the impact of our personalized wealth management approach. Thanks, Ricky, for trusting us with your financial future!⁠
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Send us a DM or visit our website to learn more about our approach and how we can help you become future-ready 💵

07/03/2025

Continuous education is in our DNA. As part of our ongoing Lunch and Learn series, we had a guest speaker discuss "Seven steps to optimizing social security income." Thank you Andrew Beltowsky, CRPC®, VP and Retirement Consultant for joining us. These small group events are by invitation only, mainly for clients and their guests. We keep a few seats open for the public those may be interested in these topics. A few sample questions from the event:⁠
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Does it make sense to wait beyond age to take social security income?⁠
No, it does not. While you can wait, there is no value in waiting beyond age 70. It does pay to wait from age 62 to 70 as there is a 6% bump up in SS income.⁠
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Is social security going away?⁠
Social Security has funds to pay in full until 2035. After that, barring any change in law to fill up the Trust Fund, there are enough funds to pay 75% of benefits from 2036 to 2075.⁠
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Interested in attending our next Lunch and Learn event? Follow us and sign up for our newsletter to be first to find out about our next one.

07/02/2025

Does Diversification really mean DiWORSEification in today's markets?⁠
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It might seem so when markets have a deep downturn and the good and bad are thrown out with the bathwater. In 2022, everything took a hit, including Bonds, when the aggregate bond index lost almost 15% due to rapid rate hikes. The bond parachute failed to open - Bonds are supposed to be a ballast when stocks/equity go down.⁠
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The alternative? Consider not just asset allocation (stock/bond/cash mix), but also asset LOCATION. You have access to different types of instruments that may have a to the stock market and Mag 7. These can be with life time income, options strategies within umbrellas, and others. While these may seem complex and esoteric, they don't need to be. These strategies can find a place in many well-crafted financial and retirement plans to mitigate risk while participating in market upside.⁠

07/01/2025

At Capital V Group, we're more than just wealth advisors; we're your dedicated partners in building a secure and prosperous future. We strive to deeply understand your unique goals, values, and aspirations, crafting personalized strategies that go beyond numbers. Our commitment is to empower you with clarity, confidence, and peace of mind, guiding you every step of the way as you navigate life's financial journey and achieve what matters most to you. See what one of our clients had to say!⁠
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*Testimonials by clients of the financial professional are as of March 2025. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

06/30/2025

It's officially summer, one of the year's peak travel times, so we want to provide some insight on how you can maximize your airline miles with your credit card spending.

Read more on our website - link in bio.

06/27/2025

It's FAQ Friday 💡⁠
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Is there a barrier to entry when looking for a wealth manager? While most clients benefit from having at least $2 million in assets, Capital V Group is open to all who are committed to growing their wealth. We’ll assess if we’re a good fit during the initial consultation.⁠ There are no hidden fees or commissions, and our pricing is transparent.⁠
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Visit our website to learn more. Send us a DM to book a complimentary initial consultation to discuss your financial goals and determine if we’re a good fit.

06/20/2025

Are you optimizing your company's 401K plan? Probably not, and here’s why… https://capitalvgroup.com/blog/2023/5/12/are-you-optimizing-your-company-401k-plan-most-probably-not-and-heres-why

Are you maximizing and optimizing your workplace 401K? Most probably not! If not, you are leaving major amounts of money on the table not giving it attention.

06/18/2025

What does a 529 College Plan have to do with May 4th or March 14th?⁠
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Not much, really, except for an easy month/day to remember. Just like May 4th (May the force be with you) and Pie Day (March 14th). However, a 529 plan is something that you should know about tax friendly college savings.⁠
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- Start early. Let the savings compound. Remember the power of 72?⁠
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- 529 investment gains used for college expenses are tax free⁠
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- Only a small percentage (Less than 6%) is counted toward college aid ⁠
calculations/EFC, unlike other similar instruments like UGMA and UTMA⁠
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- Even though a parent/family member is the trustee, it is not considered part of their estate. This may be used for wealth transfer and estate planning⁠
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- The beneficiaries can be changed between kids or anyone, for that matter⁠
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- Some states offer a tax deduction for funding in state 529 savings plans⁠
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- Grandparents and other relatives/friends can fund this plan⁠
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Alternatives? Yes there are, but with caveats.⁠
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- ROTH IRA⁠
- Whole life insurance⁠
- UTMA / UGMA accounts

06/16/2025

Last month, we hosted a great financial education event - Tax Optimized Investing and Retirement Planning - at the Los Altos Community Center. We had almost 30 registrants, making it an almost a full house! ⁠
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We discussed 👇️⁠
💡 Value of diversification⁠
💰️ Asset location vs. asset allocation, ⁠
🤔 Understanding ⁠
🤝 Basics of and ending with strategies using charitable giving⁠
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Visit our website or sign up for our monthly newsletter to find out about upcoming events. We look forward to seeing you at the next one! ⁠
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06/16/2025

We are sure that, at some point or another, you have been a part of a conversation where someone says that their company has a mega backdoor ROTH, and you wonder how that exactly works & why you don’t have one?

Read more: https://capitalvgroup.com/blog/demystifying-mega-backdoor-roths-and-why-it-is-important-to-know-them

finance

I am sure that at some point or another you have been part of a conversation where someone says that their company has a mega backdoor ROTH and you wonder how that exactly works and why you don’t have one?