December Year-End Newsletter


December Newsletter

As we approach the end of 2022, we want to recap some of the major topics from the past few months.  We also want to provide you with some information to think about as we wrap up this year and look forward to continuing our mission to build lasting wealth in 2023.

Inflation and Interest Rates

Inflation Leading to Higher Tax Brackets

November 1, 2022Inflation has been making every area of our lives more expensive as the costs of the goods and services we use every day have skyrocketed. The Federal Reserve is attempting to lower inflation by using the bluntest tool in its arsenal – raising the key short-term interest rate.

This has meant that as prices have continued to increase, they are being followed by higher costs for debt. If you’re carrying a credit card balance, you’ve likely noticed the difference. And hopefully, you have a fixed-rate mortgage.

But there may be a small silver lining. The IRS pegs tax brackets, tax deductions, 401(k), and other tax-efficient vehicle contribution amounts to inflation. A careful review of your financial picture, combined with some proactive tax planning, may save you money and set you up for increased savings growth in the years to come.

To read the full article, click the link below:

What are the Effects of Declining Interest Rates?

December 20, 2022

We have not seen a consistent period of rising interest rates since 1980 when Fed chairman Paul Volcker was determined to extinguish inflation that was around 13%. Fed chairman Volcker rose the Federal funds rate to 20% in 1980 to take drastic measure and get inflation under control. As a result of these measures inflation was back down to 3.2% by the end of 1983, 3 years after these steps were taken. Fast forward to what we saw for the next 40 years – a period of steady and consistent declining interest rates. What does a prolong period of declining interest rates have on the economy?

To read the full article, click the link below:

Alternative InvestmentS

Blackstone Real Estate Investment Trust (BREIT)

I was honored to chat with Jeff Benjamin of InvestmentNews today to discuss the announcement by Blackstone that they are restricting redemption’s from their fund BREIT. In this video I explain what caused this, the steps Blackstone is taking now and how this may impact this investment as well as similar investments in the future.

Here is the link to the full interview:

Podcast Series 

Over the last few months, we released 4 new Podcast Episodes on The Financial Incline.

These episodes discussed many topics pertinent to those of you who are current business owners, are looking to buy a business or sell a business as well as those interested in business ownership or being an entrepreneur.


Episode 11:
Alex Burkhart – Innovator & Serial Entrepreneur

In this episode, we talk with Alex Burkhart who is an entrepreneur, marketer and innovator. We discuss the businesses Alex has started and exited, as well as the businesses he continues to run and advise on. We also discuss what has led to his successes and challenges he currently faces.

View the Episode here:



Episode 12:
Aaron Monk, M&A Attorney on Selling Your Business

In this podcast episode Aaron and I talk about the steps and timeline involved, as well as who you need on your team to assist in the process. We also discuss the 3 most important considerations when deciding whether to sell your business or not. Make sure to listen to the end as Aaron gives his advice for business owners on when is the right time to engage an attorney.

View the Episode here: 

Episode 13:
Financing the Deal with Billy Wersel

In this Episode, we talk with Billy Wersel. Billy is a Vice President who manages a commercial banking team at First Financial Bank. Billy and his team work to provide a mutually beneficial interactive banking relationship for clients seeking a consultive hands on approach to banking.

During our conversation, Billy brings up great points on financing a business acquisition, what the bank looks for in their approval process, and how you can scale your business with lending.

View the Episode Here:


Episode 14:
Phil Eleson on Buying a Business

In this Episode, we talk live with Phil Eleson about the process of buying a business. Phil is an experienced business broker who has bought and sold businesses in the past and helps his clients through this process.

During our discussion we talk about how Phil helps his clients find businesses to buy and where he markets his businesses for sale. We discuss how difficult it may be to find a business directly to buy and how long it takes to purchase a business.

View the Episode here:

Year-End Financial Checklist

Looking for ways to reduce your taxes and save more money towards your goals? View the Year End checklist to see what moves you can make before it’s too late.

Use this link to watch the Video or Download the PDF version of the Year-End Checklist:

Wishing You and Your Families a Merry & Blessed Christmas and a Healthy & Happy New Year!

We look forward to our continued relationship with you in the coming year. We are thankful to have such wonderful clients to work with and help build lasting wealth for the future!


To schedule a call to review your financial plan and investments  Click Here



The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation.

This content not reviewed by FINRA

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