Zenith Wealth Partners

📊✨ Nonprofit leaders, are you ready to supercharge your financial strategy? Building a robust Investment Policy Statement (IPS) is key to aligning your investments with your mission and values. 🌟 Break it down into the 3 G’s with Andrew Tudor, CFP®, CAP: 1️⃣ Goals: Define your financial targets, time horizons, and spending needs. Clarity here is your compass for investment success. 2️⃣ Governance: Set clear roles and decision-making processes to ensure smooth, efficient management. 3️⃣ Guidelines: Outline your asset allocation and ethical criteria to reflect your organization’s core values. Ready to craft an IPS that drives impact and aligns with your mission? Reach out—let’s make your financial strategy as strong as your commitment to your cause! 💼🤝 #NonprofitLeadership #InvestmentStrategy #FinancialSuccess #SocialImpact #Philanthropy #ValuesAlignedInvesting #ImpactInvesting

I’ve heard it before: “I’m under 30, 40, or even 50, do I really need to think about retirement now?” The answer is YES. 🎯 In a recent conversation with John Manganaro at ThinkAdvisor, I shared how I help clients under 50 build healthy habits, stay motivated, and grow wealth for their future selves — while still enjoying their lives today! 🔑 Start where you are: Saving doesn’t mean giving up everything now. It’s about finding a strategy that balances today’s goals with tomorrow’s security. 🔑 Your time is your greatest asset: Compounding works wonders the earlier you start. Even small, consistent contributions can grow into something incredible. 🔑 Make it visual and relatable: I show clients what a small change — like saving an extra $100/month — can mean over 20 or 30 years. Seeing those numbers makes retirement goals feel achievable and exciting. For anyone under 50, remember: your future self is counting on you, but it doesn’t have to feel overwhelming. One step, one habit, one plan at a time. 👉 If you’re ready to see what saving for retirement could look like for YOU, let’s talk! https://lnkd.in/eSdPrvKh

💡Nonprofit leaders, let’s talk cash management—because it’s way more than just balancing a checkbook! 🏦 Did you know that if your organization has more than $250,000 in a bank account, that money isn’t fully protected by FDIC insurance? 😱 After the 2023 regional banking crisis, this is something every nonprofit leader should keep on their radar. But here’s the good news: there are three simple, proven strategies to protect your cash and even earn better returns on your reserves! 💸 1️⃣ The 3-Month Operating Cash Principle: Keep only 3 months’ worth of expenses in your checking account. It lowers risk and frees up funds for growth. 2️⃣ Move Excess Funds to a Brokerage Account: These accounts can offer much more protection (up to $600 million!) than the FDIC limit. 🛡️ 3️⃣ Put Your Money to Work: Treasury management accounts and conservative investments can help you earn returns on money that’s just sitting there. 📊 Nonprofits have boosted their missions with hundreds of thousands in additional funds just by using these strategies. Ready to protect and optimize your organization’s cash? Let’s connect! 🤝 Read more here: https://lnkd.in/eChP9zNG #NonprofitFinance #CashManagement #FinancialStrategy #NonprofitLeaders #InstitutionalInvesting #NonproftCashManangement #InvestmentManagement Andrew Tudor, CFP®, CAP

📊Market Monday: Holiday Debt Alert! On average, shoppers rack up $1,500 in credit card debt during the holiday season—yikes! While that’s lower than last year, it’s still a hefty amount to carry into the new year. 🤯 🤔What does this mean? It means that a lot of people are using credit to fund their holiday spending, which can lead to a financial hangover once the bills start rolling in. The average debt amount is an eye-opener, especially when you consider how quickly it can accumulate from gifts, travel, and holiday shopping. 🎁How does it affect individuals? For many, carrying this kind of debt can lead to increased stress and financial strain. It could take months (or longer) to pay off, potentially costing more in interest and making it harder to reach other financial goals. Plus, it can affect credit scores, making it harder to secure favorable loan terms or save for future needs. 🔮What is the outlook? The good news? This year’s holiday debt is actually down compared to previous years, which shows some positive financial trends—like consumers being more cautious and aware of their spending. However, it’s still a good reminder that smart budgeting and planning ahead are key to avoiding this debt cycle in the future. 🎯 Want to keep your finances on track this holiday season (and beyond)? We’ve got tips and strategies to help you avoid the debt trap. Let’s talk! 💬 #HolidayDebt #MoneyManagement #SmartSpending #FinancialFreedom #ZenithWealthPartners #PersonalFinance #FinancialManagement

While crafting an effective IPS might not be the most glamorous part of your job, it’s absolutely essential for the financial health and success of your organization. Think of it as your GPS—guiding your investment strategy, keeping you aligned with your mission, and ensuring you stay on track. At Zenith Wealth Partners, we make it simple by focusing on the 3G’s of a strong IPS: 🔑 Goals – Setting clear, realistic financial objectives and understanding your time horizon. 🛠️ Governance – Defining roles and responsibilities to ensure smooth decision-making and accountability. 🛣️ Guidelines – Establishing investment strategies and values-based criteria to keep your portfolio aligned with your mission. When your IPS is well-defined, your investments will not only help you achieve financial goals but also drive long-term impact for the communities you serve. 🌍 If you’re ready to create or refine your IPS and ensure your mission and money are perfectly aligned, we’re here to help. Let’s chart the course for a successful financial future together! #NonprofitLeadership #InvestmentStrategy #IPS #NonprofitFinance #MissionDriven #ZenithWealthPartners #FinancialPlanning #ImpactInvesting #NonprofitSuccess

🚨REMINDER🚨 ‼️UPDATE: On December 3, 2024, a Texas court temporarily blocked enforcement of the Corporate Transparency Act (CTA), so filing requirements are on hold—for now. If this decision is overturned, be ready to file immediately, including reporting transfers after the original deadline. 💼 Did you know? The U.S. now requires businesses to report their true owners through the Beneficial Ownership Information (BOI) rule to enhance transparency and prevent illegal activities like money laundering. Stay prepared! If you run an LLC or corporation, you’ll likely need to file this report. The process takes just 10-20 minutes online, but deadlines vary based on when your business was created: 📅 For businesses formed before Jan 1, 2024: Deadline is January 1, 2025. 📅 For businesses formed in 2024: File within 90 days of formation. 📅 For businesses formed after 2025: File within 30 days of formation. Why report? It’s all about transparency and ensuring that businesses aren’t used to hide illicit activities. You’ll simply provide basic information about your business and its owners, and it’s free to file! ⏰ Don’t delay! Late filings could result in fines of up to $591 per day. 👉 File now at www.FinCEN.gov/boi to stay compliant and keep your business running smoothly. #BusinessCompliance #BOIRequirement #CorporateTransparency #LLC #Corporations #FinCEN #SmallBusinessTips #LegalCompliance #StayTransparent Nate Charles Granito, FMVA®

📈Market Monday: The Rise of Financing Options This year, many shoppers are turning to financing methods like credit cards and Buy Now, Pay Later (BNPL) schemes to maximize their Black Friday and Cyber Monday discounts. According to a Deloitte survey (October 2024), Millennials are leading the way, using credit to stretch their budgets, with 53% opting for credit cards and a growing share turning to BNPL. 🛍️ What does this mean? It means that financing options are no longer just a fallback—they’ve become a mainstream way for consumers to navigate holiday spending. Despite ongoing global challenges, people are still willing to spend more, with average per-person spending expected to reach $650 this year, continuing a steady rise since 2019. 💡 How does this affect individuals? For many, this could lead to a greater reliance on debt to fuel holiday shopping. While BNPL can offer short-term relief by allowing payments to be spread out, it also comes with potential risks if consumers aren’t careful about repayment terms. With credit card debt at an all-time high, individuals may find themselves juggling multiple payments as they approach the new year. 🔮 What’s the future outlook? As BNPL continues to gain traction—especially in places like the U.S. and Europe—this trend is expected to grow. However, as more people rely on these options, the challenge of managing debt responsibly will become even more crucial. For consumers, it’s a reminder to budget carefully and weigh the long-term financial impact of their holiday shopping choices. #BlackFriday #CyberMonday #BNPL #CreditCards #HolidayShopping #FinancialPlanning #ConsumerTrends #DebtManagement #SpendingTrends #FutureOfPayments

🌟Zenith Wealth Partners is excited to announce our partnership with Mural Arts Philadelphia, a nationally recognized leader in transforming public spaces through art! 🎨🌆 This collaboration is a powerful step toward empowering communities and creating lasting change in Philadelphia. As Mural Arts continues to expand its impact, Zenith will help guide their strategic investments, ensuring resources are used wisely to amplify their mission and reach new heights. 🚀 With deep local roots, Zenith shares Mural Arts' commitment to positive transformation, and we are thrilled to play a role in furthering their vision of using art to foster civic engagement and social change. As Jane Golden, Executive Director of Mural Arts, states, “Together, with Zenith’s strong commitment to our community and proven ability for growth, we can work together to invest in the transformative role of art in community building”🌍 We’re proud to be part of this meaningful partnership and excited about the future impact on Philadelphia’s neighborhoods. 💪 Big shoutout to Julia Fleischner for being such an incredible collaborator in our partnership! 🌟 Learn more about our partnership here: https://lnkd.in/eN4WfKSR #ZenithWealthPartners #MuralArts #CommunityEmpowerment #StrategicInvestments #ArtForChange #Philadelphia #SocialImpact #PublicArt #CivicEngagement

Think of your portfolio like a seesaw—when you first set it up, it’s perfectly balanced. But over time, some investments grow faster than others, throwing things off! That’s where rebalancing comes in. ⚖️ Rebalancing means getting your portfolio back on track—like selling some stocks to buy more bonds if they’ve grown too much. It’s a simple way to manage risk and stay aligned with your goals. 💡 End of the year is the perfect time to do it! Reflect on your financial goals, make smart tax moves, and set up a fresh start for the new year. 🚀 Thinking about rebalancing? Let the Zenith Wealth Partners team help keep your portfolio on point. Reach out today! 💬 #InvestmentTips #Rebalancing #FinancialGoals #YearEndPlanning #ZenithWealthPartners #SmartInvesting #TaxStrategies #NewYearNewGoals Jason Ray

Zenith Wealth Partners is making waves in the RIA space! As more advisory teams move to RIAs, Zenith is a shining example of how focusing on client success fuels firm growth and attracts top advisors. 💡 Jason Ray shares how putting clients first can drive expansion, even for firms not pursuing massive mergers. As the RIA space continues to grow, firms like Zenith are poised to lead the way. 🚀 Huge thanks to Tobias Salinger for this insightful piece! 🙌 Read more here: https://lnkd.in/gcXCEAKP #ZenithWealthPartners #RIALeaders #FinancialAdvisors #ClientSuccess #RIAGrowth #FinancialPlanning #FutureOfFinance #FiduciaryDuty