Wescap Group

Wescap Group WESCAP Group is an independent Registered Investment Advisory firm offering investment management and financial planning services to a diverse client base.

WESCAP Group is an independent Registered Investment Advisory firm offering investment management and financial planning services to a diverse client base of high-net-worth individuals and families. Founded in 1988, WESCAP Group is headquartered in Glendale, California, and serves the entire Los Angeles and Orange County area.

Will the U.S. experience a recession this year? In this report, we explore the outlook for recession and how stocks, bo...
01/26/2024

Will the U.S. experience a recession this year? In this report, we explore the outlook for recession and how stocks, bonds, real estate, and other assets are expected to behave. We discuss how investors should be positioned in 2024.

Will the U.S. experience a recession this year?  In this report, we explore the outlook for recession and how stocks, bonds, real estate, and other assets are expected to behave.  We discuss how investors should be positioned in 2024. 2024 Outlook Summary Economic Growth:  Higher interest rates m...

Should you lock-in high yields on fixed income assets and immunize your mortgage? A mortgage immunization strategy uses ...
12/13/2023

Should you lock-in high yields on fixed income assets and immunize your mortgage? A mortgage immunization strategy uses fixed income assets to pay off future mortgage debts. If you have a low interest rate mortgage, you can lock-in higher interest rates on high quality fixed income assets now and earn more on these investments than the interest cost on your mortgage.

Visit our website to view our full article.

Should you lock-in high yields on fixed income assets and immunize your mortgage?  A mortgage immunization strategy uses fixed income assets to pay off future mortgage debts.   If you have a low interest rate mortgage, you can lock-in higher interest rates on high quality fixed income assets now ...

Now is a good time to review year-end tax strategies and plan for the year ahead. WESCAP can help with various investme...
11/09/2023

Now is a good time to review year-end tax strategies and plan for the year ahead. WESCAP can help with various investment, gifting, Required Minimum Distribution, and other general planning strategies. Below are some items that should be completed or reviewed before year-end.

Now is a good time to review year-end tax strategies and plan for the year ahead.  Below are some items that should be completed or reviewed before year end: Year-End 2023 Investment Strategies Harvest Losses – If you have investments with unrealized losses in your portfolio, selling them at a lo...

Portfolio results for the third quarter of 2023 were generally negative for stocks and for long-term bonds. For the qua...
10/04/2023

Portfolio results for the third quarter of 2023 were generally negative for stocks and for long-term bonds. For the quarter, the S&P 500, EAFE index (foreign stocks), and long-term Treasury bonds (Bloomberg/Barclays 20+ Yrs) returned -3.3%, -4.1%, and -13.0%, respectively. Small cap stocks and real estate stocks (REITs) had losses greater than the S&P 500 last quarter due to greater sensitivity to higher interest rates.

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Portfolio results for the third quarter of 2023 were generally negative for stocks and for long-term bonds.  For the quarter, the S&P 500, EAFE index (foreign stocks), and long-term Treasury bonds (Bloomberg/Barclays 20+ Yrs) returned -3.3%, -4.1%, and -13.0%, respectively.  Small cap stocks and r...

State-administered College Savings Plans (often called 529 plans) are attractive vehicles for accumulating savings to pa...
08/09/2023

State-administered College Savings Plans (often called 529 plans) are attractive vehicles for accumulating savings to pay for post-secondary educational expenses. Any individual donor, regardless of income level, can fund an account for any individual beneficiary – while still retaining control over the account. By funding a plan, the donor’s contribution is (in most cases) removed from his/her own estate. The plan’s beneficiary can be changed to any of a wide array of relatives (of the beneficiary) as often as needed.

State-administered College Savings Plans (often called 529 plans) are attractive vehicles for accumulating savings to pay for post-secondary educational expenses. Any individual donor, regardless of income level, can fund an account for any individual beneficiary – while still retaining control ov...

Portfolio results for the second quarter of 2023 were generally positive for stocks and negative for long-term bonds. F...
07/26/2023

Portfolio results for the second quarter of 2023 were generally positive for stocks and negative for long-term bonds. For the quarter, the S&P 500, EAFE index (foreign stocks), and long-term Treasury bonds (Bloomberg/Barclays 20+ Yrs) returned +8.7%, +3.0%, and -2.4%, respectively.

The debt ceiling impasse was successfully concluded. As a result, June saw a large rally in most global stock indices. Investor sentiment turned positive as shown by the bullish late June AAII weekly investor survey and with S&P 500 volatility sharply dropping.

Read our full article below.

Portfolio results for the second quarter of 2023 were generally positive for stocks and negative for long-term bonds.  For the quarter, the S&P 500, EAFE index (foreign stocks), and long-term Treasury bonds (Bloomberg/Barclays 20+ Yrs) returned +8.7%, +3.0%, and -2.4%, respectively. The debt ceilin...

The federal government’s authority to issue new debt expired January 2023 when the U.S. Treasury reached its statutory d...
05/12/2023

The federal government’s authority to issue new debt expired January 2023 when the U.S. Treasury reached its statutory debt limit of $31.4 trillion. The U.S. Treasury Department has engaged in extraordinary measures to avoid defaulting on government bills. These measures included suspending new investments of the Civil Service Retirement and Disability Fund and the Postal Service Retiree Health Benefits Fund, suspending reinvestment of the Government Securities Investment Fund and Exchange Stabilization Fund, and suspending sales of State and Local Government Series Treasury securities. Despite these measures, according to U.S. Treasury Secretary Yellen, we could see debt ceiling complications as early as June 1.

Click below to read our full articles

The federal government’s authority to issue new debt expired January 2023 when the U.S. Treasury reached its statutory debt limit of $31.4 trillion.  The U.S. Treasury Department has engaged in extraordinary measures to avoid defaulting on government bills. These measures included suspending new ...

Silicon Valley Bank was put into receivership by the FDIC on Friday, March 10. It was the largest Federal Reserve/FDIC-...
03/22/2023

Silicon Valley Bank was put into receivership by the FDIC on Friday, March 10. It was the largest Federal Reserve/FDIC-backed bank failure since the 2008 financial crisis and the second largest ever. Its failure is a reminder that bank deposits are not entirely safe and that actions should be taken if a bank account holds more than $250,000 of deposits.

Silicon Valley Bank was put into receivership by the FDIC on Friday, March 10.  It was the largest Federal Reserve/FDIC-backed bank failure since the 2008 financial crisis and the second largest ever.  Its failure is a reminder that bank deposits are not entirely safe and that actions should be ta...

Congress passed The SECURE Act 2.0 in late December 2022 to encourage retirement savings. The law has over 90 provision...
02/24/2023

Congress passed The SECURE Act 2.0 in late December 2022 to encourage retirement savings. The law has over 90 provisions that create various planning opportunities now and in the future. Some changes will take effect this year while others are delayed until later. We have laid out some of the more significant changes below, including the 529 Plan Roth Conversion option set to take effect in 2024.

Congress passed The SECURE Act 2.0 in late December 2022 to encourage retirement savings.  The law has over 90 provisions that create various planning opportunities now and in the future. Some changes will take effect this year while others are delayed until later.  We have laid out some of the mo...

Will the U.S. experience a recession this year or shortly thereafter? In this report, we explore the outlook for recess...
01/27/2023

Will the U.S. experience a recession this year or shortly thereafter? In this report, we explore the outlook for recession and how stocks, bonds, real estate, and other assets are expected to behave. We discuss how investors should be positioned in 2023.

Will the U.S. experience a recession this year or shortly thereafter?  In this report, we explore the outlook for recession and how stocks, bonds, real estate, and other assets are expected to behave.  We discuss how investors should be positioned in 2023. 2023 Outlook Summary Economic Growth:  H...

Portfolio results for the last quarter of 2022 were generally positive, although 12-month returns were almost uniformly ...
01/18/2023

Portfolio results for the last quarter of 2022 were generally positive, although 12-month returns were almost uniformly negative.

High U.S. household demand, tight labor markets, unexpected energy and supply chain shortages due to the Russia-Ukraine conflict and repeated Zero-Covid China lockdowns contributed to higher-than-expected inflation.

Portfolio results for the last quarter of 2022 were generally positive, although 12-month returns were almost uniformly negative. High U.S. household demand, tight labor markets, unexpected energy and supply chain shortages due to the Russia-Ukraine conflict and repeated Zero-Covid China lockdowns c...

Now is a good time to review year-end tax strategies and plan for the year ahead. View our year-end checklist for items ...
11/16/2022

Now is a good time to review year-end tax strategies and plan for the year ahead. View our year-end checklist for items that should be completed or reviewed before year-end.

Now is a good time to review year-end tax strategies and plan for the year ahead.  Below are some items that should be completed or reviewed before year-end: Required Minimum Distributions (RMDs)– If you are over the age of 72 in 2022 or have an inherited IRA that you received before 2020 you are...

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