Learn How Tactical Asset Allocation Investing Strategies Could Protect Your From The Market Next Downturn

Are you worried about the next market downturn?

Want to know how to protect yourself?

Want to know why you have never heard about this type of investing from your broker?

We interview an up and coming quant and tactical asset allocation manager and discuss how tactical investing can protect your assets during adverse market conditions. Don't miss this episode with PJ DuWors of Q32 Capital Management.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  PJ Duwors

PJ DuWors is a former engineer who has worked in quantitative finance for 13 years.  His passion for systematic investing was sparked in business school, where he was the president of Anderson Student Asset Management, a student-run quantitative fund.  PJ started his career on Wall Street with Lehman Brothers in 2006 as a structured notes trader. In this role, he was responsible for structuring complex securities linked to various asset classes and trading derivatives, credit, and interest rate risk.  He has held similar roles at Barclays, UBS, and most recently as a Senior Vice President at Jefferies. In 2015, PJ founded Q32 Capital Management to put into practice quantitative strategies he had been developing for a decade.


PJ graduated from the University of Notre Dame in 2001 with a Bachelor of Science in Mechanical Engineering.  He began his career as a satellite operations engineer at Northrop Grumman in Redondo Beach, CA. He then earned a Master of Business Administration with a concentration in finance from UCLA Anderson in 2006.

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Today's Panelists

Historical Stock Market Returns – Learn From The Past To Predict The Future – Barbara Friedberg

Are you looking at historical stock market returns as a way to find the next hot investment?

Learn why that can cost you money and how some of the top investors look at historical stock market returns. We dig into past performance and discuss how you can use that to benefit your portfolio. We interview seasoned stock market veteran, Barbara Friedberg about how you should look at historical stock market returns.

Historical Returns

Show Resources:

If you are looking for great resources to find out how to track historical returns, this is a good list of resources to use for accurate data.

Recommended Books:

Historical Risk

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YCharts - Smart Investment Decisions Made Simple

We here at Money Tree Podcast use YCharts to uncover new investing opportunities, analyze trends and monitor our progress. YCharts is a powerful financial data platform designed for Individual Investors, Financial Advisors and Asset Managers. Their platform makes our lives easier. What can be better than that.

We struck a deal for our listeners where you get 20% off your access to YCharts if you sign up in the next month


Today's Guest:  Barbara Friedberg

Barbara Friedberg, MBA, MS is a former investment portfolio manager, author of Personal Finance; An Encyclopedia of Modern Money Management and How to Get Rich; Without Winning the Lottery. Friedberg is a former university Finance and Investments instructor, and publisher of Barbara Friedberg Personal Finance.com and Robo Advisor Pros. Her work has been featured in U.S. News & World Report, Yahoo! Finance, Investopedia, GoBankingRates, and many more publications.

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Today's Panelists

Apartment Syndication Investing Interview with Aaron Fragnito

Are you looking to invest in real estate that is too expensive? 

Are you looking to invest in real estate but don't feel you have the expertise or time to do it yourself?

Have you considered apartment syndications? 

We discuss the pros and cons to this assets class and investment style on our show this week with Aaron Fragnito. 


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Aaron Fragnito

Aaron Fragnito is a Co-Founder of Peoples Capital Group (PCG), host of New Jersey Real Estate Network, a licensed NJ Realtor and a full time real estate investor. Aaron has completed over 250 real estate transactions, totaling more than $35,000,000 in Real Estate in his career. 

Peoples Capital Group (PCG) works with qualified investors to create passive returns through local commercial real estate. The owners of PCG are experienced in locating discounted apartment buildings for sale in Northern NJ and implementing a value add strategy to create max returns for their silent investors.

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Today's Panelists

The Risk Management Process – How Experts Manage Risk Interview With Kelly Coughlin

Are you worried about risk in your portfolio? ​

If you are not worried about risk you should be. If you are worried about risk, this show will discuss how to think about risk management with your investments.

This week we discuss how to create a risk management process with 3 essential elements that many financial institutions miss. Kelly Coughlin refers to this as making sure your investments have TLC. Great tips from a former insider.

risk management process



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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Kelly Coughlin

Kelly Coughlin is recognized and praised in the tax, accounting and finance industries for his ability to solve complex business problems frequently through removing the noise and simplifying and solving the problem at hand. Being clear, concise and credible is Kelly’s standard operating procedure. Kelly’s colleagues have said “Kelly is frequently the smartest guy in the room, but he never broadcasts it. He demonstrates it through acumen, insight and analysis.”


Kelly is chief executive of both EveryDayCPA, a business strategy, tax, accounting and risk management firm; and founder of Tax Resolution Help Center, an education platform for taxpayers to remove, reduce and resolve tax debt themselves. In addition to tax and accounting topics, he loves to talk about business strategy, business startup and business exit. Business failures and mistakes is a topic he loves…partly because he has made so many mistakes and partly because he is a lousy athlete. Kelly believes that business competition is the only way he can effectively compete, fail, and win, baby, win! 


Kelly is a CPA with an MBA from Babson College in Massachusetts. He studied accounting at the University of Minnesota and has a BA from Gonzaga University. Many years ago, wanting to be a James Bond spy, he studied Russian at Middlebury Language school in Monterey, CA. Kelly worked with PWC and multiple Lloyds Bank subsidiaries. He also founded, managed and sold a financial technology company in 2012. He describes himself as a Sun Tzu business strategist and a Michael Porter business tactician.


Kelly currently hosts the podcast program, EveryDayCPA, On Your Side, Every Day, and is available for live and recorded audio and video interviews.

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Today's Panelists

The Ultimate Insider’s Guide To The Deferred Sales Trust

Are you considering the Deferred Sales Trust to defer capital gains taxes on the sale of your business, real estate or low costs basis stock?

This episode is the Ultimate Insiders Guide to the Deferred Sales Trust. We discuss how it works, what you need to know, and is this something you should use. We interview a trustee and promoter of the deferred sales trust, Brett Swarts. 

deferred sales trust


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Brett Swarts

Brett Swarts is an entrepreneur, cre investor, podcaster, deferred sales trust educator/trustee, and Nor. CA multifamily broker. His leadership roles include serving as the Founder of The Brett Swarts Cap Gains Tax Show, Founder of Capital Gains Tax Solutions, and Founder of Commercial Realty Apartment Advisors.


He leads a team of extraordinary people at his companies. He has served billionaires, Doctors, Veterinarians, Attorneys, Tech Entrepreneurs, Architects, CRE Syndicators/Operators, and more, to help them create and preserve their wealth through investment real estate. He leads them through this process by leveraging the optimal timing capital gains tax deferral structure known as The Deferred Sales Trust. Its purpose is to help individuals escape feeling hostage to the 1031 exchange and 30-50% capital gains tax when they sell their highly appreciated assets such as; a business, CRE or a primary home. By focusing on the timeless aspects of being the guide, and not the hero, Capital Gains Tax Solutions’ educational platform inspires and helps business professionals like Venture Capitalists, Financial Advisors, Business Brokers, CRE Syndicators and Realtors help their clients or partners execute a passive capital gains tax deferral wealth plan of their own.

Brett's Online Presence:


Today's Panelists

Types of Business Entities – What’s The Best Entity For Your Business?

Are you looking to start a business? 

Struggling to figure out what types of business entities to create?

Trying to optimize the structure to minimize taxes and potential liability?

S-Corps, C-Corps, LLC, B-Corp, and more. We discuss why it is important for your company or your investment. 

Margo’s Guide to Types of Business Entities

Starting your own business is quite possibly the most exciting decision you’ll make your entire working life. But once you take that leap of faith you’re faced with a great big stack of questions.

Most of these are of the exciting variety—which products or services am I going to sell? How am I going to get my new brand out there? What am I going to do with all that cash when I’m heading up the next Google? (OK, maybe don’t spend too much time on that last one).

But alongside the fun stuff there are some rather more boring—but equally important—questions you need to be asking.

People call me up on an almost daily basis to ask for advice about one of these questions in particular:

Which types of business entities are right for me?

The truth is, there’s no right or wrong answer here (when is there ever?!). But there are clear pros and cons to each structure, and generally speaking there will be an option that makes the most sense for your business.

And this question isn’t just for new businesses either—over the years I’ve seen a shocking number of firms that are losing a ton of money by virtue of being classified under a sub-optimal business entity.

Since sharing is caring, I’ve put together this quick guide covering some of the most important aspects of the common entity types young businesses tend to adopt.

Sole Proprietorships

Sole proprietorships are the first of the types of business entities most entrepreneurs consider when starting their company.

They’re simple to set up and run, and the business owner has full control over all aspects of the business. All the company’s profits and losses are the responsibility of the business owner, who is also the sole decision maker. In fact, the simplest way to look at Sole Proprietorships is to view the business and the owner as effectively the same thing.

While this total control is a benefit in some senses—when it comes to decision-making, for example—the lack of separation between business owner and business has important implications when it comes to financial liability.

Here are the pros and cons:

For:

  • Simple setup
  • Full control of decision-making
  • Business losses offset income earned from other sources

Against:

  • You as the owner are completely responsible for any losses your business suffers
  • In addition to the above, your liability is completely unlimited. This means your own assets are on the line if your company goes bankrupt, and could therefore be seized to satisfy business debts or legal claims filed against you
  • As owner, you’ll pay personal income taxes on your business’ net profits
  • It’s generally difficult to raise money as a sole proprietorship, meaning you’re likely to have to finance your business using your own resources, such as savings, personal loans, or home equity

Corporations

Corporations are rather more complicated than sole proprietorships, allowing business owners to make their companies entirely separate entities. Crucially, this entity is also distinct from its owner in the eyes of the law, meaning the owner’s liability is limited, and the business itself has its own set of legal rights. This means a corporation can raise capital, buy real estate, sue, and be sued.

Corporations are owned by a list of shareholders who then elect a board of directors. It’s the responsibility of the board of directors to oversee the day-to-day running of the company, like hiring and firing and other key decision-making.

This may sound all sound very complicated and more suitable for larger businesses. But it is, in most cases, possible to be both the sole shareholder and director at the same time, meaning you can set up a corporation all on your own, if you so choose.

Here are the pros and cons of a corporation:

For:

  • Limited liability – the owner’s personal assets are safe in the event that the business experiences financial difficulty
  • Raising funds – corporations may sell stock to raise funds
  • Indefinite existence – even if a shareholder passes away or sells their shares, the company will continue indefinitely.

Against:

  • Challenging and expensive setup – it can be expensive and time-consuming to set up a corporation. You’ll very likely need an attorney to help get you started, adding further expense.
  • Complex accounting – corporations are subject to more complex tax rules than a sole proprietor would be used to, meaning tax preparation and bookkeeping services will likely be needed.
  • Double taxation – perhaps the biggest drawback to corporations is that of double taxation. The business is regarded as a separate legal entity and as such is subject to taxes. But since dividends distributed to shareholders are also taxed at a personal level, the business owner of a small corporation may end up paying tax on their income twice.

As we’ve seen, there are some major benefits to incorporating, but for small business owners the issue of double taxation is a significant one.

There is, however, a way to incorporate a small business while avoiding this pitfall altogether—by opting to take advantage of a particular corporate structure known as an S Corporation.

S Corporations

Named for subchapter ‘S’ of the revenue code (and not for ‘small’ corporation as many people believe), S corps share many of the same properties of good old regular corporations. But crucially, S corps are considered ‘pass-through’ entities for tax purposes, meaning income and losses are passed through to shareholders and included on their tax returns. As a result, there’s only one level of federal tax to pay.

While S corps have similar obligations to regular corporations when it comes to compliance and documentation, the resolution of the double taxation issue alone is reason enough for many small businesses to adopt the S corp business structure.

Here are the pros and cons of an S Corporation:

For:

  • Single layer of taxation – the avoidance of double taxation is very likely the single biggest benefit of the S corporation business structure. Taxes are paid only at the shareholder level, and not at the corporate level.
  • Limited liability – just like with regular corporations, owners of S corporations can rest assured their own personal assets are safe in the event their company experiences financial difficulties (providing they haven’t acted outside of the law, or against the duties and responsibilities of their position).

Against:

  • Can only issue common stock – unlike regular corporations, S corps are only able to issue common stock, which may hamper efforts to raise capital.
  • Challenging and expensive to set up – Much like regular corporations, S corps are relatively complex to set up, and you may need to enlist the services of an attorney.

Limited Liability Company

The limited liability company, or LLC, is a business structure that takes advantage of the benefits of both corporations and partnerships.

As the name suggests, LLCs offer business owners a degree of protection from personal liability, meaning personal assets typically won’t be at risk should the business face financial difficulties.

Like S corps, LLCs also avoid the issue of double taxation, with profits and losses ‘passed through’ to the business owner’s personal income. But unlike S corps, LLCs don’t need to adhere to any particular corporate structure, meaning they’re relatively flexible when compared to other traditional types of business entities.

Here are the pros and cons of LLCs:

For:

  • Limited Liability – in most cases (though not all), the owner’s personal assets will not be at risk in the event their company experiences financial difficulties.
  • No double taxation – as a pass-through entity, LLCs avoid the double taxation issue some other business structures face.
  • Flexible structure – LLCs are more flexible than corporations. They can, for example, be managed by their members, or by managers, which can be particularly useful if members aren’t experienced in the running of businesses.

Against:

  • No stock – unlike corporations, LLCs don’t have shares or stock certificates to offer. This can make raising capital a challenge.
  • Pricier staff incentives – also unlike corporations, owners of LLCs aren’t able to deduct the cost of benefits from profits, meaning it can be more expensive to offer staff incentives.
  • Limited life – in many states, LLCs have a limited life and must be dissolved if a member leaves the company, goes bankrupt, or dies.

Choosing the best types of business entities for youy company is a big – often daunting – decision. But it’s worth spending the time to get it right. This topic is both broad and deep – we’ve only scratched the surface here.

If you’d like to learn more, feel free to reach out!

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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Margo Masri

As a multiple award-winning accounting firm, MM Accounting and CFO Solutions offers highly-customized financial services specifically designed to take your business to the next level – and beyond.

Utilizing cutting-edge accounting techniques and drawing on a wealth of industry-specific experience, MM Accounting is your trusted partner for enhanced business growth, increased automation and efficiency, and a truly class-leading customer experience.

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Today's Panelists

Tax Loopholes Of The Rich: Economic Opportunity Zone Investments – An Insider’s View With Brandon Lacoff

Are you looking at economic opportunity zone investments for your capital gains?

This episode is for you

Want to know how the rich take advantage of the tax code to grow their wealth?

This episode is for you

Not familiar with what I'm talking about?

Put on your earphones and listen to this interview with industry insider, Brandon Lacoff, who tells us exactly what to look for when considering an economic opportunity zone fund. If you are looking to defer your capital gains with this new secret part of the tax code. Join us for another episode in our Tax Loopholes of the Rich series.

Don't let the tax tail wag the investing dog.

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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Brandon Lacoff

Mr. Brandon Lacoff is currently the CEO and Founder of the Belpointe REIT which is the first public Opportunity Zone REIT in the country. Mr. Lacoff is also the Chief Executive Officer and Founder of Belpointe, a private equity investment firm.  Mr. Lacoff was the Co-Founder of Belray Capital, a Greenwich, Connecticut based real estate and investment firm, which was acquired by Belpointe in 2011. Belpointe is known for its luxury condominium developments and its class A apartment communities.  Belpointe owns several operating businesses, including Belpointe Asset Management LLC, a financial asset management firm that manages over $1 billion in tradable securities. Mr. Lacoff and its executive team bring financial strength, operational expertise and investing discipline to its portfolio of investments.  Mr. Lacoff holds a Juris Doctor degree and a Master’s of Business Administration from Hofstra University and a Bachelor’s degree in Finance from Syracuse University. 

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Today's Panelists

Buying Real Estate on Terms

Have you ever wondered how people buy real estate with no money down? 

Me too.

That's why we interviewed expert Chris Prefontaine about buying real estate on terms. He talks about the three best ways to buy real estate without putting cash down and reducing your risk on your investments in real estate.


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Chris Prefontaine

Chris Prefontaine is the best-selling author of 2017's "Real Estate On Your Terms" and this year's "The New Rules of Real Estate Investing". As a real estate investor with over 27 years experience in the field, Chris is the founder of Smart Real Estate Coach and host of the Smart Real Estate Coach Podcast. He lives in Newport, RI with his wife, Kim, and their family. Chris operates the family business with his son, Nick, his daughter, Kayla, and his son-in-law Zach, along with an amazing team. 

Chris has been a big advocate of constant education. He and his family mentor, coach, consult, and actually partner with students around the country, teaching them to do exactly what their company does. Between their existing Associates nationwide and their own deals, Chris and his family are still acquiring 5-10 properties every month and control between $20 to $30 million dollars worth of real estate deals -- all done on TERMS without using their own cash, credit, or signing for loans. 

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Today's Panelists

The Top 5 Reasons To Consider International Asset Protection And Offshore Banking – Interview with Joel Nagel

Do you work in a profession that is at high risk for lawsuits? Do you worry about creditors taking advantage of your wealth? Do you want to take a trip to a beautiful destination and write it off as a tax deduction? This is an exciting episode where we explore the idea of using international asset protection strategies and offshore banking. Learn some of the top reasons people consider these strategies for protecting their wealth.

Reaping the Benefits of International Asset Protection and Offshore Banking

The Benefits of International Asset Protection and Offshore Banking

Offshore banking is the term that is commonly used to describe what essentially is international banking. Basically, if you use the services of a bank that is not based in your home country, then you have an “offshore” or international account. There are several reasons that make offshore banking an attractive choice for businesspersons and private individuals. I’ll discuss some of those advantages in a moment, but first I’d like to clear the air from some of the negative connotations that too often go hand-in-hand with the term “offshore banking.”


Removing the Stigma

Whereas once upon a time you could walk into a Swiss bank with a suitcase full of cash and open an untraceable bank account with no questions asked, legislation in recent decades has eliminated any real possibility of using international banks or financial centers for tax evasion. That simply can’t be done anymore. Another stigma mistakenly associated with international banking is the allegation that financial centers are frequently used for money laundering by people who are mixed up in drug trafficking and in financing terrorism. I can say from the years of experience that I’ve had in the international banking industry that it simply isn't true. Very rarely do people come knocking on the bank’s door looking to do anything of the kind and, on the extremely rare occasion that they do, they are quickly declined by the banks, which are meticulous about doing their due diligence.


Businesspersons: Tax Efficiency and Currency Flexibility

Who does use the services provided by offshore banks? I’ll divide my answer into two groups: active businesspersons and corporations, and private individuals seeking to protect their assets, diversify their options, and find new opportunities. I’ll start with businesspersons and corporations.

An American businessperson or corporation in a partnership with a foreign-based counterpart will often look to offshore banks for tax efficiency. Financial centers, such as Belize, take zero tax from corporations that are set up in their jurisdiction, allowing the owners to be taxed for their profits only by their home country—by the United States for Americans, by Germany for Germans, and by Japan for Japanese, facilitating global business.

A second factor that makes offshore banking attractive for international businesspersons is their currency flexibility, which can be crucial to facilitating smooth business operations. In American banks, for example, it can often difficult to arrange to keep funds in any currency other than the US dollar, which can be onerous if your business is being done in Germany or Japan and, consequently, not in dollars. At banks at international financial centers, on the other hand, you can just check a box and have your funds in five different currencies at a time, if you should so choose.


Devaluation Protection, Asset Protection, Currency Diversification, and Investment Options

The second group of people who often opt to keep offshore accounts are private individuals. If you live in a country such as Venezuela, which suffers from a weak currency and an unstable economy, offshore banking provides you with protection from rapid devaluation and other risks of banking at home. Many people in Latin American countries, including countries that currently are economically stable, opt to keep at least some of their funds offshore so as not to be caught off-guard if things take a turn for the worse and the currency becomes rapidly devalued. While rapid devaluation may be less of a concern for American and other Western investors, many of those who use offshore banking do so to benefit from the asset protection, currency diversification, and access to investments that it offers and that would otherwise be closed to them.

Asset protection is important for a variety of reasons, one of which is that more and more individuals are at risk due to rising litigiousness. The legal trend in the United States and elsewhere in recent years has been increasingly favorable towards plaintiffs who seek court orders to freeze the assets of lawsuit defendants. Doctors, contractors, and other professionals in the US and elsewhere who are vulnerable to litigation often choose to keep at least some of their financial assets in offshore accounts to ensure that they won’t face a situation in which all of their assets have been frozen—which could happen if they are all under domestic jurisdiction—and keep an emergency fund available and liquid in an offshore account.

As noted above, it is hard in most domestic banks to keep funds in currencies other than the local one. For long-term investors, that lack of diversification can be deterring since their primary goal is to preserve and grow the value of their assets over the course of generations. Therefore, like international businesspersons, retired Americans who may have chosen to live in a country with an arcane, inefficient banking system may choose not to keep a large bank account in that country. Instead, they will prefer to bank elsewhere using an international banking account to maintain and grow the value of their savings.

Many Americans also maintain offshore accounts to provide them with access to foreign investments that would otherwise be closed to them. American legislation in recent years has mandated that any foreign investment funds that have American investors must comply with US reporting requirements. Many foreign investment funds simply opt not to accept American investors as a result, so as to avoid the bureaucratic headache of compliance with US demands. Offshore banks provide a way around that obstacle, allowing Americans to use the non-American offshore bank to invest indirectly on their behalf.

Offshore Banking: A Useful Strategy to Keep What's Yours

The fact is that capital flows to where it is treated best. The financial systems of many Western countries, including that of the United States, can be quite restrictive. As a result, many look overseas for greater flexibility and protection for their hard-earned assets. Having the right structures and strategies in place are important in order to enable you to keep what is rightfully yours. International banking together with smart planning can be a significant and valuable avenue for you to maintain the control over your wealth that you deserve.

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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Joel Nagel

Attorney Joel Nagel is an American lawyer, speaker, writer, and strategic thinker. He is best known for being the founder and managing partner of Nagel & Associates, LLC. Nagel specializes in international commercial transactions, international law, asset protection, and estate planning. He has served as the keynote speaker at many conferences and seminars and writes prolifically, having been featured in numerous publications.

Education Born in Pittsburgh, Pennsylvania, Joel Nagel grew up speaking both English and German. Nagel's bilingual skills paved the way for his future career in international law. He attended Allegheny College, where he completed a double major in German language and political science. He then continued his studies abroad as a Fulbright Scholar. Returning to America, he completed a law degree at West Virginia University and a master’s degree in international law and taxation law at Georgetown University, graduating with honors.

Professional Background Nagel got his professional start at the U.S. Department of Commerce and went on to work for Buchanan Ingersoll as an attorney. In 1992, he opened his own specialty law firm and has since become expert in the handling of international investments, estate planning, asset protection, and global commercial transactions. Joel Nagel has served on the board of over 15 companies, including in Belize as chairman of the board of Caye International Bank, which was recently named Best Private Bank in Latin America. In that position, Nagel provides the bank with guidance as to best practices and has played a crucial role in establishing the bank's reputation as one of financial responsibility, diversified funding and revenue structures, and customer support. Currently, Nagel has over 30 years of experience in international commercial transactions and business, asset protection, and tax planning.

Philanthropy Attorney Joel Nagel serves on the board of several philanthropic organizations, including the Nicaragua Development Corporation, which helps improve life in Nicaragua by building health clinics. Nagel has also been an integral part of the Pittsburgh Rotary Club for over 25 years, serving in various positions such as president, district governor, and foundation chairman.

Personal Life Joel Nagel married his high school sweetheart, Dr. Susan Entress Nagel, and they have seven children. They live together in their home in Sewickley, Pennsylvania.


Joel's Online Presence:


Today's Panelists

Financial New Year’s Resolutions – Starting The Year Right

Happy New Year!!!  Welcome to the new decade of 2020. 

We are starting off the new year on the right foot by discussing the best way to create your financial new year's resolutions. Listen to our panel of experts with decades of experience helping people succeed. We have a great list of books that are great tools to help you do this right.


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Book References:


Today's Panelists