Author Archives : ACT Advisors

Home  >>  Author : ACT Advisors

Relief at the Pump and for Portfolios?

On June 28, 2022, Posted by , In Weekly Market Commentary, With No Comments

2022 has been rough all-around for the American consumer. Not only are we battling decades-high inflation, but investors’ portfolios are off to one of the worst starts to a year in history as we near the halfway point. Our technical work is first and foremost rooted in trend following, and…

Direct Indexing: Tax-Focused Investing for Credit Union Leaders

On June 23, 2022, Posted by , In Direct Indexing, By ,, , With No Comments

Credit union executives nearing retirement must find strategic ways to manage their taxes and income due to drastic tax rate changes post-retirement and following distributions from various compensation benefits such as the collateral assignment split-dollar. One solution that is proving effective for credit union leaders is direct indexing. Our direct…

What Is Direct Indexing and How Can It Benefit Credit Union Executives?

Wes Johnson, CERTIFIED FINANCIAL PLANNER™ practitioner and co-founder of ACT Advisors, joins Doug on “C.U. on the Show” to discuss direct indexing, a tax-focused investment strategy. The relatively new investment approach provides several benefits to investors, including tax opportunities, customization, and no-cost trading. Wes and Doug dive into the strategy…

When and How In-House Legal Counsel Can Add Value to Your Credit Union

Your credit union may manage various legal matters today, from reviewing and developing contracts to ensuring the organization is up to compliance standards. Perhaps you have some internal staff who fulfill these roles or consult with an outside attorney, but is there an appropriate time to establish an in-house team?…

May 2022 Update

On June 7, 2022, Posted by , In Doug English CFP®,Videos, With No Comments

Doug English, CFP® discusses the markets and what we did in our clients portfolios in May 2022.

How Credit Union Leaders Can Prepare to Serve On Boards

Serving on a board allows credit union leaders and those approaching retirement to continue advancing their mission-focused commitment, using their career experience, and making a difference in their community. However, finding and obtaining a board role, particularly a paid position, is not as simple as you may expect. Board members…

How Credit Unions Can Capture Revenue from the Growth of Online Gambling

The online gambling market is growing as its activity has become more mainstream, and more states have passed laws allowing it. Although it was relatively common for credit unions to enable and accept transactions made in casinos before the pandemic, the restrictions that followed changed gambling behavior, resulting in a…

Capital Markets and How Credit Unions Can Issue Subordinated Debt

Historically, credit unions have accessed capital through CDs, short- and long-term loans, and other investment funds to help them expand, generate income, and pursue strategic initiatives. However, as credit unions have grown over the years and offered more complex services, there is a demand to meet capital needs in creative…

Why Target Date Funds are the Wrong Investment Vehicle for Many Credit Union Executives

Target date funds are popular for many 401(k) plan participants because they offer an investment strategy that automatically reduces risk as one approaches retirement. They’re especially effective for investors who don’t want to self-manage their retirement assets and younger investors under 50. Further, target date funds align with the needs…

The Flaws of Target-Date Funds in Optimizing a Credit Union Executive’s Retirement Income

Both of these statements are accurate:  Almost 80% of credit union 401(k) plan participants have all or some of their retirement savings in a target-date fund (TDF), and they’re only gaining more popularity since they were first introduced in 1994.  Target-date funds are the wrong investment vehicle for most credit…