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December 2024 Newsletter
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FEATURED |
| Consider a “Bucketing” Retirement Strategy |
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If you’ve saved enough for a secure retirement, congratulations! But accumulating sufficient assets is just part of the story when it comes to setting yourself up for a comfortable retirement. During retirement, you’ll still need to manage the risk posed by market fluctuations, fund living expenses and balance short-term cash needs with long-term growth. One effective way to meet all those goals is by viewing your portfolio as containing several “buckets” with distinct purposes.
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| INSIGHT |
| A Year-end Wealth Review Checklist |
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The final month of the year is synonymous with holidays, get-togethers and general busyness. But these last few weeks of 2024 are also a crucial window to make sure you’re on track to meet your most important financial goals. It’s well worth investing some time with your wealth advisor to review all the elements of your financial well-being.
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COMMENTARY |
| Too Much of a Good Thing in 2024—Or Riches Deserved? |
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“It is possible to have too much of a good thing.”
—— Greek storyteller Aesop
“Too much of a good thing can be wonderful.”
—— Actress and comedian Mae West
A potential Santa Claus rally and post-election bounce that typically appears in the final two months of the calendar year got off to a nice start in November. The S&P 500 price surged 2.5% on November 6, the day after the presidential election, and, after a mid-month lull, went on to return a total of 5.9% for the month.1 Equity asset class and S&P 500 sector leadership exuded investor confidence as small-cap stocks outperformed large-cap stocks by a wide margin and the more offense-oriented/risk-on industry groups within the S&P 500 well outpaced the defensives. Specifically, the Russell 2000 index of small-cap stocks returned a total of nearly 11% in November versus the 6% advance of the large-cap-dominated S&P 500
index.2
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| COMMENTARY |
Three Yards and a Cloud of Dust:
Alternative Economic Scenarios |
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Last month we published our “core” economic call for 2025 entitled “Three Yards and a Cloud of Dust,” reminiscent of the days of coach Woody Hayes and Ohio State football. Coach Hayes was a fan of running the football to gain yardage instead of passing, a lower-risk, lower-volatility outcome.
Coach Hayes was truly “old school” in his view, which was that passing the ball can create three possible outcomes—with two of those outcomes being bad (incompletion or interception). He believed in running the ball, grinding down the field three yards at a time, creating a cloud of dust and winning football games. While at Ohio State, Hayes won 76% of the games he coached. Coach Hayes knew what he was doing.
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| WEBINAR |
| 2025 Crystal Ball Outlook |
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Thursday, Jan. 16 | 3 p.m. CT
Register for the 2025 Crystal Ball webinar where Jeff Krumpelman, Chief Investment Strategist and Head of Equities, and Katrina Radenberg, Chief Investment Officer, will discuss the current state of the economy and provide an outlook for the coming year. Inflation, Fed policy, interest rate trends and the impact of the presidential election are among the topics they will share their thoughts on. Set your calendars and join us!
Register Now |
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PODCAST |
| Fixed Income Explained |
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On this episode of Your Life Simplified, Daniel Sharkey, senior wealth advisor, is joined by Sandy Pourcillie, head of fixed income. They discuss common misconceptions about fixed income and bonds, strategies and how you may want to consider them as part of your portfolio.
Tune In
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| LIFESTYLE |
| The 50 Best Places to Travel in 2025 |
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Where to go in the year ahead? These are places that feel of the moment, whether that’s because they offer unparalleled access to the outdoors, a cultural immersion you can’t find elsewhere, a pulse-quickening hit of excitement or the sort of blissful luxury only a true five-star property can deliver. Each of these 50 noteworthy destinations may have their own distinct allure, but all are worthy of a closer look.
Read more from Travel + Leisure
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| TAX GUIDE |
2025 Tax Planning Guide: An Important Contributor to Your Overall Financial Health
We understand the importance of integrating ongoing tax planning as part of your overall wealth plan. Learn more by downloading our tax guide as a resource before you meet with your tax team.
Download Tax Guide |
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Share the
Wealth |
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Know someone who could benefit from a conversation with a Mariner advisor?
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Refer to the full articles and commentaries for footnotes and important disclosures.
Please remember to contact Mariner if there are any changes in your personal or financial situation or investment objectives.
Mariner is the marketing name for the financial services businesses of Mariner Wealth Advisors, LLC and its subsidiaries. Investment advisory services are provided through the brands Mariner Wealth, Mariner Independent, Mariner Institutional, Mariner Ultra, and Mariner Workplace, each of which is a business name of the registered investment advisory entities of Mariner. For additional information about each of the registered investment advisory entities of Mariner, including fees and services, please contact Mariner or refer to each entity’s Form ADV Part 2A, which is available on the Investment Adviser Public Disclosure website. Registration of an
investment adviser does not imply a certain level of skill or training.
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