SYKON Capital

“The conversations are changing from numbers, whether it’s performance or dollars and cents, to things that are more meaningful about people in general.” Thanks Lumiant for featuring our President Todd Stankiewicz, CFP® CMT® ABFP™ https://lnkd.in/etkdBFwk

With recent FOMC decisions and shifting yield curves, many investors may be focusing too much on short-term volatility, thanks to Availability Bias. But what if this is exactly the opportunity you’ve been waiting for? The bond market has historically outperformed stocks during periods of yield curve reversion, yet many miss out due to short-term thinking. Now could be the time to rethink your bond allocation and take advantage of the inefficiencies created by this bias. Learn how to avoid common behavioral traps and position your portfolio for potential gains. Read my latest Substack post, link in comments #InvestmentStrategy #BehavioralFinance #YieldCurve #Bonds #PortfolioManagement #FixedIncome #MarketTrends

Have you ever stopped to ask yourself: Why do I do what I do? Everyone has a reason that drives them, something deeper than just a paycheck or a promotion. Maybe it’s the joy of solving complex problems, the desire to create a meaningful legacy, or the commitment to making a difference in the lives of others. Understanding your "why" is powerful. It’s what gives purpose, fuels your passion, and helps you push through the tough days. It’s the core of who you are and what you bring to the world. Helping people find their WHY and help build their financial future around it is what goals based financial planning is all about. So, what’s YOUR why? Whether you’re driven by family, creativity, or the impact you make, share your why in the comments below. Let’s inspire each other by reflecting on what truly motivates us to show up every day. #WhatIsYourWhy #Purpose #Inspiration #Motivation #FindYourWhy #WorkWithPurpose

💡 Want to find out how values-based financial planning can: 💜 Deepen client relationships and commitment? 🌟 Personalize your advisory services? 📊 Standardize client experience? Then check out our latest case study on how Todd Stankiewicz, CFP® CMT® ABFP™ and his team at SYKON Capital is using Lumiant to transform their client relationships: https://lnkd.in/etkdBFwk

🌍 China's $114 Billion Stimulus: What It Means for Investors 📊 China just unleashed a massive $114 billion stimulus to stabilize its economy, sparking a rally in Chinese stocks. But is this rally sustainable? In my latest blog post, I break down key support zones, technical indicators, and strategies to navigate the volatility in the iShares China Large Cap ETF (FXI). Highlights: ·        Detailed technical analysis of key support zones 🛠️ ·        What overbought conditions signal for FXI’s next move 📉 ·        Strategies for both long-term investors and speculative traders 💼 But that’s not all! For the next 48 hours, for every new subscriber to my newsletter, we will donate $2 to support Hurricane Helene relief efforts through the Red Cross. 🙌 Let’s make a difference together, while staying ahead of the markets. 🔗 Link in comments below Help us spread the word! Share this post to help us maximize our donation impact. #Investing #China #MarketAnalysis #FXI #Stimulus #TechnicalAnalysis #HurricaneHelene #InvestSmart #GivingBack

Is the market shifting? As recession concerns grow, many are wondering what to do next. Today at 11:30 AM ET, we'll break down the key trends we're tracking: 📊 The S&P 500’s performance and critical levels 📈 The growing strength of bonds relative to equities 📉 Why market breadth improvements might signal a shift in leadership We’ll also discuss actionable strategies that could help you navigate these uncertain times, including how to rethink your asset allocation. Don’t miss this opportunity to gain insights that go beyond the headlines. Register for our live market update with the link in the comments below. #MarketUpdate #InvestmentStrategy #FinancialPlanning #EconomicOutlook #Bonds #Stocks

Join us this Thursday for an insightful webinar where we'll tackle the critical questions shaping today's investment decisions: - How will the recent rate cut impact your investments and financial goals? Gain a clear understanding of how changing interest rates affect your portfolio and what you can do about it. - What strategies can you employ to navigate market volatility effectively? Learn practical approaches to manage risks and capitalize on opportunities in uncertain times. - Which emerging sectors present the most promising investment opportunities now? Discover high-growth industries and how to position yourself for success. Don't miss this opportunity to empower your financial future. 👉 Register Now: https://lnkd.in/e9nNsQvK Feel free to share this with colleagues or friends who would benefit. We look forward to connecting with you! #SYKONWebinar #MarketUpdate #InvestmentInsights #FinancialStrategy #webinar

Just got this question, should I payoff a 401K loan or tackle the car loan? Here are the details: 401(k) Loan: $14k remaining at 5% Car Loan: $22k remaining at 4.6% You have $14k set aside to pay off the 401(k) loan. The Big Question: Should you pay off the 401(k) loan now or should you put the $14k directly toward the car note? Here’s how to think about it: 1️. Interest Rates: While the car loan has a slightly lower rate (4.6% vs. 5%), the difference is minimal. However, the 401(k) loan uses after-tax dollars, making it less efficient in the long run. Paying it off means you’ll stop making those after-tax payments and free up more cash flow. 2. Opportunity Cost: Paying off the 401(k) loan frees up your retirement savings. That money can go back into your account, working for you in the market and compounding over time. The longer you delay, the more you miss out on potential growth. 3. Car Loan Flexibility: By paying off the 401(k) loan, you can direct future payments toward the car loan principal, effectively reducing the total interest paid. Once the 401(k) loan is gone, you have flexibility in how aggressive you want to be in tackling the car loan. 💡 The Plan: -         Pay off the 401(k) loan with the $14k. This clears out the higher-interest, after-tax loan and gets you back on track for retirement savings. -         Then, take the payments you were making on the 401(k) loan and apply them to the car loan principal. This accelerates the car loan payoff without locking all your cash into one lump sum payment upfront. 👉 Final Thought: Focus on getting rid of the 401(k) loan first, then aggressively tackle the car loan. It balances your long-term retirement goals with debt reduction. How would you deal with this scenario? #PersonalFinance #DebtStrategy #401k #FinancialPlanning

This past weekend SYKON Capital celebrated the stunning wedding of Gabrielle Ruvituso and Christopher Groves. We would like to extend our warmest congratulations to you both. As you unite your lives, you are not only building a partnership, but also the foundation of a new family. Family is at the heart of everything that truly matters - it is where we find our greatest joys, our deepest support, and our purpose in life. Today, you are creating something beautiful that will grow with each shared moment, challenge, and triumph. May your marriage be filled with love, respect, and endless happiness, and may your family flourish, providing warmth and strength for generations to come. We are honored to witness this milestone in your lives and wish you all the best as you begin this incredible journey together.

"Should I donate to charity from my business or personal account?" A simple take for all you non-accounting types. If you are a sole proprietor or an LLC, it counts as a personal deduction. Only C Corporations can actually make charitable donations as a business. (Sofi) And most people typically do not reach the threshold of having it make an impact on their taxes anyways. Unless you donate an amount above the standard deduction ($29,200 for married couples filing jointly in 2024), it doesn't make too much of a difference. It depends on whether you are itemizing your deductions. This is just a general starting point and best to discuss with your CPA on your situation. Many of our clients are involved in charitable giving and attend yearly charitable events, and we give them options on how they can help maximize it. Send me a note if you want to know how this may work for you.