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Insights & Articles
Some of The Things
We’re Thinking About

Not Your Average Insights

Your time is important and we respect your intelligence. The articles we post are aimed at bringing you insight into the complexities of wealth management by answering the questions we’ve heard you ask. Check back often for the latest podcast episodes, case studies, interviews, and insights. 

Link to: Tax Planning

Tax Planning

Strategies to reduce your tax burden and keep more of what you earn.

Link to: Charitable Giving

Charitable Giving

Give back while taking care of future generations.

Link to: Insurance Solutions

Insurance Solutions

Strategies to use insurance as a tax planning & investing tool.

Link to: Exit Planning

Exit Planning

Strategic planning before, during, and after the sale of your business.

Link to: Estate and Legacy Planning

Estate and Legacy Planning

Tools to secure your legacy and transfer wealth smoothly.

Link to: Live Life Liberated Podcast

Podcasts

Hear from our clients, advisors and leadership team on the Live Life Liberated® podcast

Link to: Market Reports

Monthly Market Reports

Monthly reviews of market fluctuations, trends and predictions from our team of experienced advisors.

Latest Posts

Annual review, business, customer review. Action plan, review evaluation time for review inspection assessment auditing. Learning, improvement, planning and development. End of year business concept.
INVESTING, MONTHLY MARKET REPORTS, NEWS

Market Month in Review – April 2025

Centura Wealth Advisory’s October 2024 Market Month in Review discusses the current market changes and updates that have taken place.

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May 5, 2025
https://centurawealth.com/wp-content/uploads/2024/11/iStock-1816227914.jpg 1224 2448 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-05-05 17:56:392025-05-06 15:35:55Market Month in Review – April 2025
Close up of businessman using digital tablet with calendar planner and organizer to plan and reminder daily appointment, meeting agenda, schedule, timetable, and management, event planning
INVESTING, MONTHLY MARKET REPORTS, NEWS

Q1 2025 Market Wrap: You get a tariff. You get a tariff. Everybody gets a tariff!

The first quarter of 2025 was marked by heightened volatility across global markets, driven by escalating trade policies and shifting investor sentiment. The uncertainty related to tariff decisions, including surrounding President Trump’s “Liberation Day” tariff announcement on April 2, dominated sentiment over the quarter, causing both the S&P 500 and the Nasdaq 100 to enter […]

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April 2, 2025
https://centurawealth.com/wp-content/uploads/2024/10/iStock-1699822168-scaled-1.jpg 1159 2560 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-04-02 19:21:562025-04-08 16:27:35Q1 2025 Market Wrap: You get a tariff. You get a tariff. Everybody gets a tariff!
INVESTING, NEWS

Long-Term Investing: Why Market Timing Fails and Diversification Wins

With Chris Osmond, Chief Investment Officer at Centura Wealth Advisory Investing in today’s market can feel overwhelming, especially when headlines highlight record market highs or economic downturns. But as Chris Osmond, Chief Investment Officer at Centura Wealth Advisory, emphasizes, the key to long-term wealth growth isn’t timing the market—it’s staying invested and diversifying effectively. The […]

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March 30, 2025
https://centurawealth.com/wp-content/uploads/2025/03/iStock-1810154198.jpg 1412 2122 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-03-30 14:45:482025-04-09 23:30:44Long-Term Investing: Why Market Timing Fails and Diversification Wins
NEWS, PODCASTS

Ep. 107 Navigating Post-Election Exemption Planning

What Post-Election Exemption Planning Means for Your Estate With the current federal estate tax exemption set to sunset at the end of 2025, high-net-worth individuals have a rare opportunity to optimize their wealth transfer strategies. In this episode of Live Life Liberated, host Bryan Schick is joined by Dan Stolfa, Senior Wealth Advisor and former […]

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March 26, 2025
https://centurawealth.com/wp-content/uploads/2025/03/iStock-2182909291.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-03-26 19:36:032025-04-08 16:16:44Ep. 107 Navigating Post-Election Exemption Planning
CHARITABLE GIVING, NEWS, TAX PLANNING

Advanced Gifting Strategies: Reducing Tax Burdens with Appreciated Assets

Wealth management isn’t just about accumulating assets; it’s also about ensuring they are used effectively to benefit you, your loved ones, and the causes you care about. Advanced gifting strategies, such as donating appreciated assets, offer a powerful way to reduce your tax burden while making a meaningful impact. By gifting assets like stocks, real […]

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March 23, 2025
https://centurawealth.com/wp-content/uploads/2025/03/Screenshot-2025-03-13-at-8.22.42 PM.png 634 1140 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-03-23 00:20:442025-04-08 16:33:30Advanced Gifting Strategies: Reducing Tax Burdens with Appreciated Assets
Annual review, business, customer review. Action plan, review evaluation time for review inspection assessment auditing. Learning, improvement, planning and development. End of year business concept.
INVESTING, MONTHLY MARKET REPORTS, NEWS

Market Month in Review – February 2025

Centura Wealth Advisory’s October 2024 Market Month in Review discusses the current market changes and updates that have taken place.

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March 5, 2025
https://centurawealth.com/wp-content/uploads/2024/11/iStock-1816227914.jpg 1224 2448 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-03-05 17:23:212025-04-08 16:27:35Market Month in Review – February 2025
NEWS, PODCASTS

Ep. 106 The Power of Strategic Financial Planning

The Power of Strategic Financial Planning Success in financial planning isn’t just about making money—it’s about making the right decisions at the right time. As wealth grows, so does the complexity of managing it effectively. That’s why high-achieving professionals and business owners must level up their financial strategy and assemble the right advisory team. In […]

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March 3, 2025
https://centurawealth.com/wp-content/uploads/2025/03/The-Power-of-Strategic-Financial-Planning-Ep.-106.jpg 836 1254 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-03-03 21:01:462025-04-08 16:16:44Ep. 106 The Power of Strategic Financial Planning
exit planning
NEWS

The Importance of Early Valuation for a Tax-Savvy Business Exit

When business owners decide it’s time to exit, whether through selling the company, merging with another entity, or transferring ownership, many of them focus primarily on maximizing the financial return.  However, a well-planned exit strategy goes beyond simply receiving the best price—it requires careful consideration of the tax implications. One of the most effective ways […]

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February 11, 2025
https://centurawealth.com/wp-content/uploads/2025/02/Screenshot-2025-02-11-at-12.10.10 PM.png 534 803 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-02-11 20:11:442025-04-08 16:16:44The Importance of Early Valuation for a Tax-Savvy Business Exit
Annual review, business, customer review. Action plan, review evaluation time for review inspection assessment auditing. Learning, improvement, planning and development. End of year business concept.
INVESTING, MONTHLY MARKET REPORTS, NEWS

Market Month in Review – January 2025

Centura Wealth Advisory’s October 2024 Market Month in Review discusses the current market changes and updates that have taken place.

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February 5, 2025
https://centurawealth.com/wp-content/uploads/2024/11/iStock-1816227914.jpg 1224 2448 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-02-05 17:31:452025-04-08 16:27:35Market Month in Review – January 2025
Close up of businessman using digital tablet with calendar planner and organizer to plan and reminder daily appointment, meeting agenda, schedule, timetable, and management, event planning
INVESTING, MONTHLY MARKET REPORTS, NEWS

Q4 2024 Market Wrap: Is a Bear or Stock Market Three-Peat Coming in 2025?

Global markets saw significant developments in the fourth quarter of 2024, concluding a year marked by economic shifts, policy changes, and geopolitical events. The S&P 500 achieved 57 new all-time highs, delivering a remarkable annual gain of 25% and marking its strongest back-to-back performance since 1997/1998. In the fourth quarter, the “Trump Trade” returned in […]

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January 6, 2025
https://centurawealth.com/wp-content/uploads/2024/10/iStock-1699822168-scaled-1.jpg 1159 2560 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-01-06 18:27:582025-04-08 16:27:35Q4 2024 Market Wrap: Is a Bear or Stock Market Three-Peat Coming in 2025?
high net worth individuals tax planning
NEWS, PODCASTS, TAX PLANNING

Ep. 105: Are You Leaving Money on the Table? Unlock Wealth You Didn’t Know You Had

If you’re a high-net-worth individual or a business owner, there’s a good chance you might be missing out on significant tax savings. These opportunities, often hidden within the complexities of tax codes and financial strategies, could add up to millions—especially if you own real estate or operate a thriving business. So, how can you uncover […]

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January 6, 2025
https://centurawealth.com/wp-content/uploads/2025/01/Screenshot-2025-01-30-at-4.37.44 PM.png 594 892 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2025-01-06 00:30:002025-04-08 16:16:44Ep. 105: Are You Leaving Money on the Table? Unlock Wealth You Didn’t Know You Had
Annual review, business, customer review. Action plan, review evaluation time for review inspection assessment auditing. Learning, improvement, planning and development. End of year business concept.
INVESTING, MONTHLY MARKET REPORTS, NEWS

Market Month in Review – November 2024

Centura Wealth Advisory’s October 2024 Market Month in Review discusses the current market changes and updates that have taken place.

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December 5, 2024
https://centurawealth.com/wp-content/uploads/2024/11/iStock-1816227914.jpg 1224 2448 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-12-05 18:47:522025-04-08 16:27:35Market Month in Review – November 2024
high net worth individuals tax planning
NEWS, PODCASTS, TAX PLANNING

Ep. 104: How to Protect Wealth & Maximize Tax Efficiency for High-Net-Worth Families & Business Owners

In today’s unpredictable financial environment, high-net-worth families and business owners face unique challenges when it comes to protecting their wealth and maximizing tax efficiency. As markets fluctuate and tax laws evolve, finding strategies that both safeguard assets and optimize returns is paramount. This week on Live Life Liberated, Sean Clark, Partner at Centura Wealth Advisory, […]

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December 4, 2024
https://centurawealth.com/wp-content/uploads/2025/01/Screenshot-2025-01-30-at-4.25.47 PM.png 402 608 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-12-04 00:21:002025-04-08 16:16:44Ep. 104: How to Protect Wealth & Maximize Tax Efficiency for High-Net-Worth Families & Business Owners
Grantor vs. Non-Grantor Trusts: Tax Strategies for Wealth Preservation in wealth management office
NEWS, PODCASTS, TAX PLANNING

Ep. 103: Grantor vs. Non-Grantor Trusts: Tax Strategies for Wealth Preservation

Trust planning can be overwhelming, especially with tax laws that seem to change constantly. But understanding the ins and outs of grantor and non-grantor trusts is key to making smart decisions about your wealth and legacy. In this episode of the Live Life Liberated podcast, Kyle Malmstrom from Centura Wealth Advisory and Adam Buchwalter from […]

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November 13, 2024
https://centurawealth.com/wp-content/uploads/2025/01/Screenshot-2025-01-30-at-4.46.03 PM.png 544 819 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-11-13 00:40:002025-04-08 16:16:44Ep. 103: Grantor vs. Non-Grantor Trusts: Tax Strategies for Wealth Preservation
Annual review, business, customer review. Action plan, review evaluation time for review inspection assessment auditing. Learning, improvement, planning and development. End of year business concept.
INVESTING, MONTHLY MARKET REPORTS, NEWS

Market Month in Review – October 2024

Centura Wealth Advisory’s October 2024 Market Month in Review discusses the current market changes and updates that have taken place.

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October 31, 2024
https://centurawealth.com/wp-content/uploads/2024/11/iStock-1816227914.jpg 1224 2448 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-10-31 16:39:002025-04-08 16:27:35Market Month in Review – October 2024
Centura Wealth Building Legacy
NEWS, PODCASTS

Ep. 102: From Planning to Profit: The Centura Wealth Approach

Managing significant wealth comes with complexities that go beyond basic financial planning. For ultra-high-net-worth families—those with a net worth of $20 million or more and annual incomes exceeding $2 million—building a lasting legacy requires a strategic and personalized approach. At Centura Wealth Advisory, Derek Myron and Sean Clark specialize in crafting solutions tailored to the […]

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October 24, 2024
https://centurawealth.com/wp-content/uploads/2025/02/iStock-1917771195-3.jpg 836 1253 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-10-24 06:16:232025-04-08 16:16:43Ep. 102: From Planning to Profit: The Centura Wealth Approach
centura wealth team
NEWS, PODCASTS

Ep. 101: The Leadership Approach Driving Centura’s Success

What’s the secret to cultivating a workplace where people are empowered, engaged, and driven to succeed? At Centura Wealth Advisory, it all starts with a commitment to core values and a leadership approach rooted in trust and open communication.  Krystal Puryear, SHRM-CP, Director of People and Culture, and Nicole Hubbs, Talent Acquisition Specialist, share how […]

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October 10, 2024
https://centurawealth.com/wp-content/uploads/2025/02/iStock-677808784.jpg 836 1254 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-10-10 16:17:592025-04-08 16:16:43Ep. 101: The Leadership Approach Driving Centura’s Success
Close up of businessman using digital tablet with calendar planner and organizer to plan and reminder daily appointment, meeting agenda, schedule, timetable, and management, event planning
INVESTING, MONTHLY MARKET REPORTS, NEWS

Q3 2024 MARKET WRAP: Despite Hurdles, The Hot Streak Continues

Markets in the summer months are historically sleepy as individuals go on vacation and gear up for a new school year, but the third quarter brought anything but sleep to investors worldwide. Equities were marred with bouts of negative activity throughout the quarter – markets experienced a historic 180% surge in the VIX to an […]

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October 3, 2024
https://centurawealth.com/wp-content/uploads/2024/10/iStock-1699822168-scaled-1.jpg 1159 2560 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-10-03 21:59:242025-04-08 16:27:35Q3 2024 MARKET WRAP: Despite Hurdles, The Hot Streak Continues
business tax savings
NEWS, PODCASTS, TAX PLANNING

Ep 100: How a Fractional CFO Can Elevate Your Wealth Strategy

Managing a successful business requires more than just revenue growth—it demands strategic financial oversight, tax optimization, and precise estate planning. If you are not fully capitalizing on your business’s financial strategy, you could be missing out on significant opportunities. That is why Live Life Liberated is celebrating its 100th episode with a value-packed discussion. In […]

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September 24, 2024
https://centurawealth.com/wp-content/uploads/2024/09/iStock-2149838473-1-scaled.jpg 1159 2560 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-09-24 02:26:002025-04-08 16:16:43Ep 100: How a Fractional CFO Can Elevate Your Wealth Strategy
tax savings
NEWS, PODCASTS, TAX PLANNING

Ep 99: Is Your Business Missing Out on Thousands in Tax Savings?

Many small business owners miss out on significant tax savings each year simply because they’re unaware of certain deductions. One of the most overlooked opportunities is the Qualified Business Income (QBI) deduction. This powerful tax break, introduced in the 2017 Tax Cuts and Jobs Act, allows eligible business owners to deduct up to 20% of […]

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September 5, 2024
https://centurawealth.com/wp-content/uploads/2025/02/iStock-2189657642.jpg 1414 2120 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-09-05 00:59:002025-04-08 16:16:43Ep 99: Is Your Business Missing Out on Thousands in Tax Savings?
Business Presentation. Smiling Businessman Giving Speech During Seminar With Coworkers In Office, Standing At Desk In Boardroom, Diverse People Sitting At Table And Listening To Speaker
LIBERATED WEALTH, NEWS

Centura’s Company Culture: Hear From Our Team

At Centura, we’re proud of our team and company culture. Why?

Everyone on our team has their own North Star. They center around serving our clients, our community, and their aspirations.

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August 23, 2024
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An image of a multifamily apartment building to illustrate the focus of this article Investing in Multifamily Real Estate
NEWS, PODCASTS

Ep. 98 Investing in Multifamily Real Estate with Rob Ireland

Why Multifamily Real Estate Is a Smart Investment Multifamily real estate has long been recognized as a resilient and potentially lucrative asset class. In a recent episode of Live Life Liberated, Chris Osmond, CFA, CAIA®, CFP®, Chief Investment Officer at Centura Wealth Advisory, sat down with Rob Ireland, Managing Director at Continental Realty Assets (CRA), […]

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August 21, 2024
https://centurawealth.com/wp-content/uploads/2025/02/investing-in-multifamily-real-estate-with-rob-ireland-Episode-98.jpg 1453 2064 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-08-21 10:22:002025-04-08 16:16:43Ep. 98 Investing in Multifamily Real Estate with Rob Ireland
Charts of financial instruments with various type of indicators including volume analysis for professional technical analysis on the monitor of a computer.
INVESTING, MONTHLY MARKET REPORTS, NEWS

Q2 2024 Market Wrap: Dependency Issues

After rising more than 10% in the first quarter of 2024, the S&P 500 stumbled out of the gate in the second quarter. The index contracted more than 4% in April and produced the first negative month of the year as the market reassessed the timing of the Fed’s first rate cut.

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July 8, 2024
https://centurawealth.com/wp-content/uploads/2024/07/Market-wrap-2024-q2-scaled.jpg 987 2560 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-07-08 07:22:002025-04-08 16:27:35Q2 2024 Market Wrap: Dependency Issues
A warehouse representing successful business owners and the speaker in this podcast Charlie Neer
NEWS, PODCASTS

Ep. 97 Working With Centura: Candid Feedback From Our Client Charlie Neer

A Personal Wealth Management Journey Charlie Neer, Chief Revenue Officer (US) at MiQ, has navigated a transformative financial journey over the past two years as a client of Centura Wealth Advisory. In a candid conversation with Centura’s Managing Director, Derek Myron, Charlie shares his experiences, lessons learned, and how his financial strategy is now more […]

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June 26, 2024
https://centurawealth.com/wp-content/uploads/2025/02/Ep-97-Working-with-Centura-Charlie-Neer-scaled.jpg 1075 2560 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-06-26 12:47:002025-04-08 16:16:43Ep. 97 Working With Centura: Candid Feedback From Our Client Charlie Neer
Exit negotiations in a board room through a plate glass window
NEWS, PODCASTS

Ep. 96 Exit Readiness: How to Prepare Your Business for Sale

Many business owners assume they are five years away from selling their company. The problem? That five-year window often remains constant, year after year. Without proper planning, the timeline for exit can keep getting pushed back until it’s too late to maximize value and ensure a smooth transition. In a recent episode of the Live […]

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June 12, 2024
https://centurawealth.com/wp-content/uploads/2025/02/Ep-96-Exit-Readiness.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-06-12 01:01:002025-04-08 16:16:43Ep. 96 Exit Readiness: How to Prepare Your Business for Sale
Business people meeting to discuss strategy and plan for business and investment.
CHARITABLE GIVING, NEWS

NIM-CRUT: Sophisticated Charitable Giving Strategies for High-Net-Worth Individuals

NIMCRUTs, or Net Income with Makeup Charitable Remainder Unitrusts, are advanced charitable giving strategies designed specifically for high-net-worth individuals. These trusts allow donors to make significant charitable contributions while also providing a stream of income for themselves or their beneficiaries. NIMCRUTs offer a number of benefits, including tax advantages, potential for increased income, and the ability to support favorite causes while also meeting financial goals.

In this blog, we will explain what NIMCRUTs are, how they have evolved over time, and how high-net-worth individuals (HNWIs) can use them as part of their financial planning.

What are NIMCRUTs?
A Net Income Makeup Charitable Remainder Unitrust (NIMCRUT) is a charitable trust that allows an individual(s) to make a donation while receiving an income from the trust for a specified number of years or for the lifetime of the individual(s).

The income received by the individual(s) is based on the net income generated by the trust, usually from investments in a diverse portfolio of assets. At the end of the trust term, the remaining assets are distributed to the charities determined by the donor. We’ll get more into the benefits of NIMCRUTs in a second, but let’s first look at how Charitable Trusts came to be.

A Historical Legislative Landscape for Charitable Giving
Knowing how Charitable Trusts have been shaped by legislation over the years will give you a better understanding of NIMCRUTs and how to receive the best tax benefits.

Tax Reform Act of 1969: The first national policy on charitable planned giving is created.

Revenue Rule 77374 (1977): The probability test for charitable remainder annuity trusts is established. There now has to be less than a 5% probability that you’re going to exhaust the initial capital contribution.

Tax Relief Act of 1997: A maximum payout rate of 50% is established, as well as a 10% minimum remainder requirement.

Tax Relief Healthcare Act of 2006: A Charitable Remainder Trust (CRT) will no longer lose its tax-exempt status for having an unrelated business taxable income (UBTI) in the trust. However, there is now a 100% excise tax on the UBTI in the trust.

Knowing the rules that have been established over the years for Charitable Trusts will allow you to get the most out of their benefits while also being aware of potential pitfalls.

How High-Net-Worth-Individuals Can Utilize NIMCRUTs To Save Money
One of the most valuable features of a Net Income with Makeup Charitable Remainder Unitrust (NIMCRUT) is its ability to facilitate tax-free growth of funds over a set period or lifetime. This characteristic sets NIMCRUTs apart from simple Charitable Remainder Unitrusts (CRUTs), and may make them particularly attractive to certain individuals due to the added benefit of a “makeup” feature.

What is the NIM-CRUT Makeup Feature?
With a NIMCRUT, if the trust produces more income than it’s supposed to pay out, the excess money will go back into the trust’s principal. Likewise, if the trust produces less income than it’s supposed to pay out, the beneficiaries may receive less money that year but will have it “made up” to them from an excess year. This feature can lead to the same amount of income over time but without ever attacking the principal. With a CRUT, no matter what kind of year the trust has financially, you’re getting the same amount which can lead to the trust’s principal decreasing gradually.

Donating assets to a Net Income with Makeup Charitable Remainder Unitrust (NIMCRUT) can be a beneficial way to reduce taxable income and avoid capital gains tax. By contributing assets to the trust, an individual is able to diversify their holdings while also mitigating the risk associated with certain types of assets, such as stocks or real estate. This approach to charitable giving allows individuals to make significant donations while also receiving favorable tax treatment and potentially enhancing their financial situation. It is important to note that the specific tax implications of donating to a NIMCRUT will vary based on individual circumstances and the laws governing charitable giving in the donor’s jurisdiction.

It’s important to consult with trusted and professional financial planners when setting up a NIMCRUT as there are potential benefits and drawbacks that should be evaluated with expertise before making a decision.

Connect With Centura
At Centura Wealth Advisory, we go beyond a traditional multi-family office wealth management firm to offer advanced tax and estate planning solutions which traditional wealth managers often lack in expertise, knowledge, or resources to offer their clients.

We invest heavily into technology and systems to provide our clients with fully transparent reporting and tools to make informed decisions around their wealth plan.

Read on to learn more about our 5-Step Liberated Wealth Process and how Centura can help you liberate your wealth.

Disclosures

Centura Wealth does not make any representations as to the accuracy, timeliness, suitability, or completeness of any information prepared by any unaffiliated third party, whether linked to or incorporated herein. All such information is provided solely for convenience purposes and all users thereof should be guided accordingly.

We are neither your attorneys nor your accountants and no portion of this material should be interpreted by you as legal, accounting, or tax advice. We recommend that you seek the advice of a qualified attorney and accountant.

For additional information about Centura, please request our disclosure brochure as set forth on Form ADV using the contact information set forth herein, or refer to the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov). Please read the disclosure statement carefully before you engage our firm for advisory services.

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May 1, 2024
https://centurawealth.com/wp-content/uploads/2024/08/NIMCRUT.jpg 1336 2245 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-05-01 06:52:002025-04-08 16:33:30NIM-CRUT: Sophisticated Charitable Giving Strategies for High-Net-Worth Individuals
a stock line in gold representing understanding alternative investments
NEWS, PODCASTS

Ep. 95 Understanding Alternative Investments: Why You Should Look Beyond Stocks and Bonds

Expanding Your Investment Horizons Alternative investments offer significant opportunities for superior risk-adjusted returns and portfolio diversification. Yet, many high-net-worth investors find their portfolios under-allocated to these assets. In Episode 95 of the Live Life Liberated podcast, Chris Osmond, CFA, CAIA®, CFP®, Chief Investment Officer at Centura Wealth Advisory, shares insights on the role of alternative […]

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May 1, 2024
https://centurawealth.com/wp-content/uploads/2025/02/Ep-95-Understanding-Alternative-Investments.jpg 1392 2155 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-05-01 01:06:002025-04-08 16:16:43Ep. 95 Understanding Alternative Investments: Why You Should Look Beyond Stocks and Bonds
INSURANCE SOLUTIONS, NEWS, PODCASTS

Ep. 94 How to Lower Your Capital Gains Taxes with Adam Buchwalter

Navigating State Taxes on Capital Gains For high-net-worth individuals, founder-led business owners, and C-level executives, managing capital gains taxes is a crucial component of wealth preservation. In this episode of Live Life Liberated, Centura Wealth Advisory’s Managing Director, Derek Myron, speaks with Adam Buchwalter, Partner at Wilson Elser, about the intricacies of state-level capital gains […]

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April 17, 2024
https://centurawealth.com/wp-content/uploads/2025/03/Ep-94-How-to-Lower-Your-Capital-Gains-Taxes.jpg 1499 1999 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-04-17 02:19:002025-04-08 16:43:27Ep. 94 How to Lower Your Capital Gains Taxes with Adam Buchwalter
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INVESTING, MONTHLY MARKET REPORTS, NEWS

Q1 2024 Market Wrap: Equities Keep the Good Times Rolling

After experiencing zero in 2023, the S&P 500 took more than two years before making a new all-time high. Fast forward to the end of the first quarter, witnessing the S&P 500 march its way to 22 new all-time high levels, on pace for the most ever.

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April 4, 2024
https://centurawealth.com/wp-content/uploads/2024/07/Market-wrap-2024-q2-scaled.jpg 987 2560 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-04-04 07:58:002025-04-08 16:27:35Q1 2024 Market Wrap: Equities Keep the Good Times Rolling
NEWS, PODCASTS

Ep. 93 Our Proprietary Liberated Wealth® Process for Ultra-High-Net-Worth Clients

Unlocking Exponential Results with Centura Wealth Advisory Navigating wealth management as an ultra-high-net-worth individual requires a sophisticated, proactive approach that delivers exponential financial results. Centura Wealth Advisory’s Liberated Wealth® Process is a five-step, structured journey designed to help founder-led business owners, C-level executives, and other high-net-worth individuals optimize their financial strategies while preserving and growing […]

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April 3, 2024
https://centurawealth.com/wp-content/uploads/2025/03/Ep-93-Our-Proprietary-Liberated-Wealth-Process.jpg 1297 2312 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-04-03 09:19:002025-04-08 16:16:42Ep. 93 Our Proprietary Liberated Wealth® Process for Ultra-High-Net-Worth Clients
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INSURANCE SOLUTIONS, NEWS, PODCASTS

Ep. 92 How High-Income Business Owners Can Supercharge Their Retirement Savings 

How Can High-Income Business Owners Supercharge Their Retirement Savings? Business owners with significant surplus cash flow often seek ways to maximize their retirement savings while minimizing tax burdens. Traditional retirement plans like 401(k)s and SEP IRAs offer tax deferral, but they come with contribution limits that may not fully utilize the financial potential of high-income […]

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March 20, 2024
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INSURANCE SOLUTIONS, NEWS, PODCASTS

Ep. 91 Effective Use Cases of Life Insurance for Wealth Transfer, Tax Planning, and More 

Life insurance is often viewed as a way to provide a death benefit. However, for high-net-worth individuals and business owners, life insurance can serve as a strategic financial tool for tax planning, and wealth transfer, and even as an alternative investment. In this episode of the Live Life Liberated podcast, Centura Wealth Advisory’s Sean Clark, […]

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February 14, 2024
https://centurawealth.com/wp-content/uploads/2025/03/Ep-91-Effective-Use-Cases-of-Life-Insurance-for-Wealth-Transfer-scaled.jpg 1707 2560 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-02-14 20:42:002025-04-08 16:43:26Ep. 91 Effective Use Cases of Life Insurance for Wealth Transfer, Tax Planning, and More 
NEWS, PODCASTS

Ep. 90 Tax Countdown: Planning for the Expiration of the TCJA

In 2017, the Tax Cuts and Jobs Act (TCJA) introduced major changes to income and estate tax laws, offering tax cuts and adjustments that have shaped financial planning for high-net-worth individuals and business owners. However, these provisions are set to expire on December 31, 2025, which could result in higher tax rates and reduced exemptions. […]

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January 10, 2024
https://centurawealth.com/wp-content/uploads/2025/03/Ep-90-TCJA.jpg 1410 2127 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-01-10 21:20:002025-04-08 16:16:42Ep. 90 Tax Countdown: Planning for the Expiration of the TCJA
Stock lines representing the Centura Wealth Market Recap 2023
MONTHLY MARKET REPORTS, NEWS

Q4 2023 Market Wrap: the US Avoided a Recession in 2023

With so much uncertainty surrounding the Fed’s monetary policy and the contagious effects their aggressive rate hiking cycle would inflict on the economy, we entered 2023 with great pessimism and uncertainty.

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January 2, 2024
https://centurawealth.com/wp-content/uploads/2024/01/Market-Report-2023.jpg 1414 2119 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2024-01-02 13:02:002025-04-08 16:27:35Q4 2023 Market Wrap: the US Avoided a Recession in 2023
NEWS, PODCASTS

Ep. 89 How to Plan for the Looming Estate Tax Issue

The Tax Cuts and Jobs Act (TCJA) significantly increased estate and gift tax exemptions, offering relief for high-net-worth families. However, with the law set to sunset on December 31, 2025, the exemption will be cut in half—exposing many more estates to a 40% tax rate on assets above the threshold. In this episode of Live […]

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December 27, 2023
https://centurawealth.com/wp-content/uploads/2025/03/Ep-89-Estate-Planning.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-12-27 21:15:002025-04-08 16:16:42Ep. 89 How to Plan for the Looming Estate Tax Issue
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NEWS, PODCASTS

Ep. 88 Unbundling Financial Services and Maximizing Value for High-Net-Worth Individuals

The financial services industry has undergone a major transformation, shifting from commission-based models to fee-based Registered Investment Advisors (RIAs). While this change aimed to align client and advisor interests, it also led to the bundling of investment management with financial planning—raising the question: Are clients actually getting maximum value from bundled services? In this episode […]

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December 13, 2023
https://centurawealth.com/wp-content/uploads/2025/03/Ep-88-Unbundling-Financial-Services.jpg 1299 2309 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-12-13 09:00:002025-04-08 16:16:42Ep. 88 Unbundling Financial Services and Maximizing Value for High-Net-Worth Individuals
Close-up of man casting and inserting a vote and choosing and making a decision what he wants in polling box with United States flag blended in background..
NEWS, PODCASTS

Ep. 87 Investing Amidst Uncertainty: A 2024 Election Discussion with Michael Townsend 

With the 2024 U.S. presidential election approaching, investors are facing increased market uncertainty. Geopolitical tensions, potential tax law changes, and congressional instability—including the ousting of the Speaker of the House and the risk of a government shutdown—are all adding to the complexity. In this episode of Live Life Liberated, Matt Griffith, CFP®, Senior Wealth Advisor, […]

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November 22, 2023
https://centurawealth.com/wp-content/uploads/2025/03/Ep-87-election-uncertainty.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-11-22 09:00:002025-04-08 16:16:42Ep. 87 Investing Amidst Uncertainty: A 2024 Election Discussion with Michael Townsend 
NEWS, PODCASTS

Ep. 86 Keys to Building an Amazing Corporate Culture and a Rockstar Team

Fostering a Thriving Corporate Culture in a Hybrid World With hybrid work environments becoming the norm, many companies struggle to maintain a strong culture, attract top talent, and build cohesive, high-performing teams. At Centura Wealth Advisory, we have implemented innovative strategies to create an engaging, supportive, and productive workplace—whether employees are in San Diego or […]

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November 8, 2023
https://centurawealth.com/wp-content/uploads/2025/03/Ep-86-Keys-to-Building-an-Amazing-Corporate-Culture.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-11-08 09:00:002025-04-08 16:16:42Ep. 86 Keys to Building an Amazing Corporate Culture and a Rockstar Team
Caucasian man enjoy outdoor luxury lifestyle with alcoholic drinks while catamaran boat sailing at summer sunset. Healthy handsome male relaxing outdoor leisure activity with tropical travel vacation trip
NEWS, PODCASTS

Ep. 85 How Centura Creates Value for High-Net-Worth Individuals

As wealth increases, financial planning needs become more complex. Centura Wealth Advisory (Centura) specializes in serving high-net-worth and ultra-high-net-worth individuals, helping them optimize taxes, protect assets, and structure their wealth efficiently. In this episode of the Live Life Liberated podcast, Kyle Malmstrom and Sean Clark, MBA, share insights into Centura’s Liberated Wealth® process and discuss […]

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October 25, 2023
https://centurawealth.com/wp-content/uploads/2025/03/How-Centura-Creates-Value-for-High-Net-Worth-Individuals-Ep.-85.jpg 836 1253 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-10-25 09:00:002025-04-08 16:16:42Ep. 85 How Centura Creates Value for High-Net-Worth Individuals
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NEWS

Top Mistakes Wealthy Families Make in Estate Planning

Preserving and transferring wealth across generations is a significant concern for affluent families. The desire to pass down as much of one’s hard-earned assets as possible while minimizing tax burdens is a universal goal. Achieving this goal, however, requires strategic guidance, expert knowledge, and a comprehensive overview of all assets and goals.

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October 6, 2023
https://centurawealth.com/wp-content/uploads/2024/08/Top-Mistakes-Wealthy-Families-Make-in-Estate-Planning.jpg 1414 2120 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-10-06 08:05:002025-04-08 16:16:42Top Mistakes Wealthy Families Make in Estate Planning
Stock lines representing the Centura Wealth Market Recap 2023
INVESTING, MONTHLY MARKET REPORTS, NEWS

Market Wrap: Anyone For a Game of Tug-of-War?

For the past several quarters, the market has seemingly ignored communications from the Fed, particularly the point that interest rates will continue to rise and remain elevated for as long as it takes to restore inflation to their 2% target. This trend persisted up until August in the aftermath of Chairman Powell’s Jackson Hole speech and the subsequent September Federal Open Market Committee (FOMC) meeting.

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October 6, 2023
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NEWS, PODCASTS

Ep. 84 Delivering Exponential Client Value via Joint Casework with Gregg Gottlieb

The Power of Joint Casework in Wealth Advisory Advisors, are you looking to deliver exceptional value to your high-net-worth clients? The wealth management landscape is evolving, and collaboration is proving to be a key driver of success. In this episode of Live Life Liberated, Samantha Lawrence, CFP®, Associate Advisor at Centura Wealth Advisory (Centura), speaks […]

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September 27, 2023
https://centurawealth.com/wp-content/uploads/2023/09/Delivering-Exponential-Client-Value-via-Joint-Casework-with-Gregg-Gottlieb.jpg 798 1313 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-09-27 21:04:002025-04-08 16:16:41Ep. 84 Delivering Exponential Client Value via Joint Casework with Gregg Gottlieb
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NEWS

ING Trusts and IRS Scrutiny: Risk Vs Benefit

ING trusts, also known as Incomplete Non-Grantor trusts, have gained popularity as a tax planning strategy for high-net-worth individuals. These trusts offer significant benefits, but recent scrutiny from the IRS and state tax authorities has raised concerns about potential risks.

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September 15, 2023
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NEWS, PODCASTS

Ep. 83 ING Trusts: How to Minimize State Income Taxes 

The Power of an ING Trust: Reducing State Income Taxes For high-net-worth individuals living in high-tax states, state income taxes can be a significant financial burden. However, there is a way to lower these taxes without physically moving: an Incomplete Non-Grantor (ING) Trust. In episode 83 of Live Life Liberated, Centura Wealth Advisory’s Kyle Malmstrom […]

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August 31, 2023
https://centurawealth.com/wp-content/uploads/2025/03/ING-Trusts_-How-to-Minimize-State-Income-Taxes-Ep.-83.jpg 835 1257 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-08-31 08:59:002025-04-08 16:16:41Ep. 83 ING Trusts: How to Minimize State Income Taxes 
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NEWS, PODCASTS

Ep. 82 The QPRT Strategy: How to Reduce Estate and Gift Taxes

When planning to pass wealth to future generations, minimizing estate and gift taxes is a key consideration. One strategy that offers significant tax advantages is the Qualified Personal Residence Trust (QPRT). In this episode of Live Life Liberated, Seth Meisler, CFA, CFP®, CPA/PFS, MBA, and Samantha Lawrence, CFP®, discuss how the QPRT strategy works, its […]

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August 16, 2023
https://centurawealth.com/wp-content/uploads/2025/03/The-QPRT-Strategy_-How-to-Reduce-Estate-and-Gift-Taxes-.jpg 836 1254 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-08-16 08:54:002025-04-08 16:16:41Ep. 82 The QPRT Strategy: How to Reduce Estate and Gift Taxes
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ESTATE PLANNING, NEWS

Private Fiduciaries and Their Role in Estate Planning

Private fiduciaries can play a critical role in managing and protecting the assets of their clients. They also help ensure that their clients’ wishes are carried out after they are gone and their assets reach their desired beneficiaries.

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August 4, 2023
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Smiling mature black businesswoman shaking hand with new client in modern office. Successful african american woman manager shaking hands with executive during business meeting. Professional ceo signing a deal with handshake with new partner.
CHARITABLE GIVING, NEWS

QPRT Trusts and Gift Tax Efficiency: Transferring Real Estate with Reduced Tax Implications

Transferring real estate to future generations can be a complex process, often accompanied by significant tax implications. However, with careful planning and the right strategy, you can minimize the estate tax burden and efficiently pass on your real estate assets to your loved ones. One effective tool for achieving this goal is the Qualified Personal Residence Trust (QPRT).

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August 3, 2023
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1413758192.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-08-03 18:41:002025-04-08 16:33:31QPRT Trusts and Gift Tax Efficiency: Transferring Real Estate with Reduced Tax Implications
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INSURANCE SOLUTIONS, NEWS, PODCASTS

Ep. 81 How to Achieve Tax Efficiency With Private Placement Life Insurance With Chris Hyman

Understanding Private Placement Life Insurance (PPLI) for High-Net-Worth Individuals For high-net-worth and ultra-high-net-worth individuals, protecting and growing wealth while minimizing taxes is a key priority. However, not all assets generate tax-efficient income, making tax planning strategies essential. One such strategy is Private Placement Life Insurance (PPLI), which offers tax efficiency, flexibility, and investment customization. In […]

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August 2, 2023
https://centurawealth.com/wp-content/uploads/2025/03/How-to-Achieve-Tax-Efficiency-With-Private-Placement-Life-Insurance-With-Christopher-Hyman-Ep.-81.jpg 837 1254 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-08-02 08:50:002025-04-08 16:43:27Ep. 81 How to Achieve Tax Efficiency With Private Placement Life Insurance With Chris Hyman
Meeting, planning and strategy of business woman, team leader or manager talking of KPI goal, mission or finance growth development. Brainstorming ideas and listening group for about us or our vision
NEWS

ING Trusts: Control Your Assets and Minimize Income and Estate Taxes

When it comes to estate planning, one of the key considerations for many individuals is how to retain control over their assets while minimizing the burden of estate taxes. ING Trusts offer a compelling solution that allows you to achieve both objectives.

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July 30, 2023
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INVESTING, MONTHLY MARKET REPORTS, NEWS

Market Wrap: The Magnificent Seven Push Markets Higher

Move over, FAANG! The Magnificent Seven have taken over the markets. Representing the seven largest companies in the S&P 500, Alphabet, Apple, Meta, Microsoft, Amazon, Tesla, and Nvidia have been anointed by investors as leading the market and tech rally.  The first half of 2023 was powered by mega-tech stocks, with the rest of the […]

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July 5, 2023
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multiethnic businesspeople at table with laptops during conference in office
INSURANCE SOLUTIONS, NEWS

PPLI vs. Traditional Life Insurance: What’s the Difference?

Life insurance is an important consideration when it comes to securing your family’s financial future.

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July 1, 2023
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1188909800.jpg 1414 2119 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-07-01 18:51:002025-04-08 16:43:27PPLI vs. Traditional Life Insurance: What’s the Difference?
LIBERATED WEALTH, NEWS

Centura’s Managing Director, Derek Myron, Featured in San Diego Business Journal’s Wealth Management Roundtable

San Diego, CA – Centura is proud to announce that Derek Myron, the company’s Managing Director, was featured in the recent wealth management roundtable organized by the San Diego Business Journal (SDBJ).

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June 16, 2023
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INSURANCE SOLUTIONS, NEWS

Private Placement Life Insurance (PPLI)

PPLI is an elegant type of variable life insurance contract that leverages the tax advantages of traditional coverage and provides access to a wider array of investment options. If structured properly, funds may be allocated across a highly customized pool of investments.

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June 15, 2023
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INSURANCE SOLUTIONS, NEWS

The Role of PPLI in Tax-Efficient Financial Planning

Private Placement Life Insurance (PPLI) is a financial tool that offers unique benefits for high net worth individuals. PPLI is a form of life insurance designed for accredited investors and qualified purchasers, providing a broad range of investment options with significant tax advantages.

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June 9, 2023
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1475002191.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-06-09 18:52:002025-04-08 16:43:27The Role of PPLI in Tax-Efficient Financial Planning
INVESTING, NEWS

Diversification: A Key Strategy for Mitigating Risk in Your Portfolio

Investing in the stock market can be an exciting and rewarding experience, but it can also be unpredictable and risky. One way to mitigate risk is to have a diversified portfolio, which means investing in a variety of different assets to spread out risk.

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May 25, 2023
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NEWS

Holistic Planning for High Net Worth Individuals and Families

Financial planning is crucial for individuals and families with high net worth. These individuals often have complex financial situations that require specialized expertise to manage effectively.

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May 18, 2023
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LIBERATED WEALTH, NEWS

How Centura Wealth Creates Exponential Value for Our Clients

Exponential value, as we define it, is the concept of taking two things and creating synergies that result in something greater than the sum of its parts. In other words, 1+1=4. We believe that tax planning is one of the best ways to create exponential value for our clients.

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May 12, 2023
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INVESTING, MONTHLY MARKET REPORTS, NEWS

Market Update: Banking Sector Continues to Navigate Choppy Waters

Over the last 6 weeks, we’ve experienced 3 of the 4 largest US Bank failures in history, with First Republic Bank the being most recent domino to fall.

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May 10, 2023
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CHARITABLE GIVING, INVESTING, NEWS, TAX PLANNING

2023 Updates to Gift Tax and Other Estate Limitations

Our tax system has two critical components that impact the transfer of wealth from one generation to the next: gift tax and estate tax.

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May 4, 2023
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Financial problem, Bankrupt or fail in business concept. White piggy bank with plastic adhesive bandages on wooden desk with dark copy space wall background. Fail, Bankrupt or unsuccessful idea.
MONTHLY MARKET REPORTS, NEWS

Market Wrap: The Fed Brings the ‘Pain’ to Banks

According to the Wall Street Journal, in the days following SVB’s collapse, the 25 biggest US banks gained $120 billion in deposits. Small banks experienced $108 billion in outflows over the same period, resulting in the largest weekly deposit decline for small banks on record.

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April 4, 2023
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NEWS, TAX PLANNING

Cut Your Tax Bill: How to Navigate the Cap on SALT Deductions

The Tax Cuts and Jobs Act of 2017 brought significant changes to the US tax code, including a cap on state and local tax (SALT) deductions. This cap, also known as the SALT deduction limitation, has left many taxpayers looking for ways to reduce their tax bills.

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April 3, 2023
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NEWS, TAX PLANNING

2023 Tax Updates and Deadlines You Need to Know

Tracking tax deadlines is essential to healthy financial management.

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March 31, 2023
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NEWS, TAX PLANNING

Section 1202: How Business Owners Can Save Millions of Dollars in Taxes

Section 1202 of the IRS code can potentially save eligible business owners millions of dollars in taxes. However, it is an underutilized section as few business owners know how to successfully implement this strategy.

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March 16, 2023
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1357664261.jpg 1299 2309 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-03-16 19:14:002025-04-08 16:16:40Section 1202: How Business Owners Can Save Millions of Dollars in Taxes
Financial advisor consultation with clients on retirement, finance planning or investment and document on laptop screen. Accountant woman, senior people and pension advice, asset management or budget
ESTATE PLANNING, INSURANCE SOLUTIONS, NEWS

Estate Planning 101: What You Need to Know

Estate planning is a crucial process that helps individuals to manage and distribute their assets in the event of death or incapacitation.

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March 11, 2023
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wealth advisors Centura Advisor Program
INVESTING, NEWS, PODCASTS

Ep 71: Inside Centura’s Elite Advisor Collaboration Program

At Centura Wealth Advisory, we believe that collaboration is key to achieving financial success for their clients.  In Episode 71 of our podcast, Live Life Liberated, we discussed our new program, the Elite Advisor Collaboration Program (EACP), which aims to help financial advisors achieve success by collaborating with other top-tier professionals. Collaborating for Success EACP […]

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March 8, 2023
https://centurawealth.com/wp-content/uploads/2025/01/Screenshot-2025-01-30-at-5.06.21 PM.png 524 789 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-03-08 01:03:002025-04-08 16:16:40Ep 71: Inside Centura’s Elite Advisor Collaboration Program
wealth advisors discuss Pass through Entities
NEWS, PODCASTS, TAX PLANNING

Ep. 70: Everything You Need to Know about Pass-Through Entities

Pass-through entities are a popular business structure for small business owners that allow profits and losses to pass through to the owners’ personal tax returns instead of being taxed at the corporate level.  In Episode 70 of the Live Life Liberated podcast, Chuck Levun, a tax and business attorney with Levun, Goodman and Cohen, shares […]

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February 22, 2023
https://centurawealth.com/wp-content/uploads/2025/01/Screenshot-2025-01-30-at-4.58.17 PM.png 330 935 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-02-22 00:48:002025-04-08 16:16:40Ep. 70: Everything You Need to Know about Pass-Through Entities
NEWS, PODCASTS

Ep. 69:The Importance of Passion and Professional Help in Starting a Business

Starting a business can be both exciting and challenging. Many entrepreneurs start their businesses out of passion, hoping to create something new, solve a problem or fill a gap in the market. However, passion alone is not enough to ensure the success of a business. A range of skills, including effective communication, problem-solving, and financial […]

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February 8, 2023
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Business team meeting to conference, collaboration discussing working analyzing with financial data and marketing business strategy project, presentation and brainstorming to making profit of company
NEWS, TAX PLANNING

The SECURE 2.0 Act: What These Changes Mean for Taxpayers

On December 23, 2022, we received a gift from Congress. A 4,000 page bill called the Consolidated Appropriations Act of 2023. Inside this bill is what is now being called the “SECURE 2.0 Act” (SECURE 2.0). In 2019, the SECURE Act, also known as the Setting Every Community Up for Retirement Enhancement, made significant changes to IRAs and retirement plans.

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February 6, 2023
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1341621051-1.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2023-02-06 19:20:002025-04-08 16:16:39The SECURE 2.0 Act: What These Changes Mean for Taxpayers
close up group of businessman use stylus pen for explaining dashboard about company's profit monthly on tablet and businesswoman holding report paper for collaborate work at meeting event , business finance concept
ESTATE PLANNING, LIBERATED WEALTH, NEWS, TAX PLANNING

5 Steps to Support Sophisticated Wealth Management

Sophisticated wealth management is a term used to describe financial planning and investment strategies that are tailored to the unique needs and objectives of high net worth individuals. This type of wealth management typically involves a holistic approach that considers the client’s entire financial picture, including their investments, taxes, estate planning, and other financial matters.

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December 7, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1138898580-1.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-12-07 19:22:002025-04-08 16:22:165 Steps to Support Sophisticated Wealth Management
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INVESTING, LIBERATED WEALTH, NEWS

How to Elevate Your Advisory: a Guide for Financial Planner and Wealth Advisors

As a financial planner or wealth advisor, you know planning the future of the firm is essential for long-term success.

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December 6, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1299881295.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-12-06 19:26:002025-04-08 16:22:16How to Elevate Your Advisory: a Guide for Financial Planner and Wealth Advisors
Man using calculator Accounting Calculating Cost Economic bills with money stack step growing growth saving money in home , finance concept
INVESTING, NEWS

How to Seek Greater Returns in a Risky Environment

In the current risky environment –with inflation and interest rates on the rise– we are often asked by clients, “How do we manage risk? How will these changes impact our portfolios? Why are these changes happening?”

At Centura, we use alternative investments and believe in taking an institutional approach to our asset allocation. In this challenging market, we guide our clients towards alternative investments such as private real estate, private equity and private credit.

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November 18, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1163111044-2.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-11-18 19:34:002025-04-08 16:16:39How to Seek Greater Returns in a Risky Environment
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INVESTING, NEWS

How Does Real Estate Fit into Your Financial Plan?

For many, real estate investing plays a significant role in achieving personal financial goals—and can be a crucial component of one’s long-term financial strategies. This considered, real estate is likely a factor you’ve considered when developing your financial plan.

So, how might real estate fit into your financial plan? Let’s discuss.

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November 11, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1388132659.jpg 1299 2309 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-11-11 19:37:002025-04-08 16:16:39How Does Real Estate Fit into Your Financial Plan?
Business Finance, accounting, contract, advisor investment consulting marketing plan for the company with using tablet and computer technology in analysis.
CHARITABLE GIVING, INVESTING, NEWS, TAX PLANNING

Tax Deductible Donations: Rules of Giving to Charity

Donating to charity carries many benefits for taxpayers, such as allowing people to connect with a personal cause and preserve legacy–and it doesn’t hurt that donating to charity can lower your tax bill.

If donating to a charity is part of your tax plan, here are a couple of tips so you can maximize your tax-deductible donation before year-end.

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November 2, 2022
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Business Signing a Contract Buy - sell house.
EXIT PLANNING, NEWS, TAX PLANNING

Selling Your Business: Navigating Taxes and What to do Next

During the process of selling a business, owners have many obstacles to navigate: processes, taxes, and, of course, deciding what to do next.

In this article, we’ll discuss the different types of taxes a business owner may encounter when selling their business, as well as options for how to invest the proceeds.

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October 21, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-955988522-1.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-10-21 19:43:002025-04-08 16:34:33Selling Your Business: Navigating Taxes and What to do Next
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EXIT PLANNING, NEWS

Who Am I Missing on My Team to Sell My Business?

As you start thinking about the process of selling your business, compare this process to a game of baseball. Where do all pick-up baseball games start? With picking your team.

So, captain, who’s your first pick?

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October 13, 2022
https://centurawealth.com/wp-content/uploads/2024/08/Business-Selling-Team.jpg 1386 2163 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-10-13 19:45:002025-04-08 16:34:44Who Am I Missing on My Team to Sell My Business?
Business team meeting to conference, collaboration discussing working analyzing with financial data and marketing business strategy project, presentation and brainstorming to making profit of company
INVESTING, LIBERATED WEALTH, NEWS

Insider Tips From High-Level Financial Advisors

With rising interest rates and inflation reaching a 40-year high, investors, planners and affluent individuals are searching for solutions to create financial strategies to meet their goals.

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October 8, 2022
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CHARITABLE GIVING, ESTATE PLANNING, NEWS, TAX PLANNING

Sophisticated Charitable Giving Strategies for Affluent Individuals

Affluent individuals and families may choose to implement charitable giving strategies for the wealth of benefits these strategies provide.

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October 2, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1384411573.jpg 1257 2384 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-10-02 19:49:002025-04-08 16:33:31Sophisticated Charitable Giving Strategies for Affluent Individuals
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INVESTING, NEWS

Five Reasons Why Holistic Planning Is Important

Wealth management combines various financial services to consult and address the needs of affluent individuals.

Holistic financial planning considers the big picture of an individual’s finances while including both short and long-term goals.

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September 29, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1339029672.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-09-29 19:54:002025-04-08 16:16:38Five Reasons Why Holistic Planning Is Important
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INVESTING, NEWS

Why American Investors Should Invest in India’s Economy

With rapid growth across the economy and innovations in manufacturing, digital and information technology, India is proving to be an exciting investment for American investors. Additionally, India is home to a rapidly growing economy, the largest youth population in the world, and rising global competitiveness.

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September 15, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1135793300.jpg 1299 2309 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-09-15 19:56:002025-04-08 16:16:38Why American Investors Should Invest in India’s Economy
Man using calculator Accounting Calculating Cost Economic bills with money stack step growing growth saving money in home , finance concept
INVESTING, NEWS

Using Private Credit to Hedge Against Rising Interest Rates

As the Federal Reserve continues its process of quantitative tightening, many investors are concerned about rising interest rates and inflation. Opportunities in private credit can help investors hedge against these risks.

First, let’s discuss the process of quantitative tightening and what these changes mean for investors.

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September 6, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1163111044-2-1.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-09-06 19:59:002025-04-08 16:16:38Using Private Credit to Hedge Against Rising Interest Rates
Exterior view of multifamily residential building; Santa Clara, San Francisco bay area, California
INVESTING, NEWS

Why Investors Use Multifamily Real Estate as a Hedge Against Inflation

With inflation reaching 40-year highs, investors are eager to find investments to hedge against the decreasing value of their money. Multifamily real estate can provide opportunities for investors to protect themselves against their declining purchasing power.

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September 2, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1165633834.jpg 1299 2309 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-09-02 20:01:002025-04-08 16:16:38Why Investors Use Multifamily Real Estate as a Hedge Against Inflation
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CHARITABLE GIVING, NEWS

What is a Charitable Lead Annuity Trust (CLAT)?

Taxpayers, especially high-net-worth individuals, commonly experience the issues of high-income taxes and wealth transfer taxes in their financial planning.

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August 28, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1032388356.jpg 1378 2176 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-08-28 20:04:002025-04-08 16:33:31What is a Charitable Lead Annuity Trust (CLAT)?
woman working finances
INVESTING, NEWS, TAX PLANNING

How to Plan and Invest in a Rising Interest Rate Environment

At Centura, we are dedicated to our role as stewards in leading our clients to purposeful financial planning and investing strategies to ensure their success.

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June 12, 2022
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woman on a computer screen
ESTATE PLANNING, INVESTING, LIBERATED WEALTH, NEWS

The Importance of Systems and Processes in Financial Management

Financial management is a process by which an individual or an organization organizes and enhances its financial situation through strategies such as investment management, retirement planning and tax planning.

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May 29, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1299881295-2.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-05-29 16:11:002025-04-08 16:22:16The Importance of Systems and Processes in Financial Management
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INVESTING, NEWS

Strategies For Managing a Concentrated Stock Position

At Centura, we are dedicated to providing superior risk-adjusted returns and employing passive, active, and alternative investment strategies in our portfolio designs for our clients.

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May 26, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1167117653-1.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-05-26 16:21:002025-04-08 16:16:38Strategies For Managing a Concentrated Stock Position
money
NEWS

How Do You Calculate Your Net Worth?

Net worth goes beyond searching for your favorite artists, musicians, and authors on Google to see how financially liberated they are. Hypothetically speaking, any individual could calculate their own net worth by counting their assets, debts, and liabilities.

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May 20, 2022
https://centurawealth.com/wp-content/uploads/2024/08/NetWorth.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-05-20 16:28:002025-04-08 16:38:22How Do You Calculate Your Net Worth?
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ESTATE PLANNING, INSURANCE SOLUTIONS, NEWS

Your Retirement Checklist: Elements to Consider

At Centura Wealth Advisory, stewardship is at the core of everything we do. We believe in partnering with our clients to liberate their wealth management process. Part of our role as stewards is walking our clients through the entire financial planning process, from the present day to the coming years.

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May 13, 2022
https://centurawealth.com/wp-content/uploads/2024/08/RetirementPlanning-scaled.jpg 1097 2560 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-05-13 16:29:002025-04-08 16:43:27Your Retirement Checklist: Elements to Consider
man walking
EXIT PLANNING, NEWS

Four Methods for a Successful Succession Planning Strategy

The general lifecycle of a business typically follows a few different stages. These stages include start-up, development and establishment, and finally maturity. As a business owner, once you’ve reached the maturity stage of your business, you are likely considering what the future of your company holds.

What will happen to your company when you retire?

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May 2, 2022
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man working on computer
NEWS, TAX PLANNING

What is the Relationship Between an Accountant and a Financial Advisor?

As you look to achieve your financial goals, you may be considering working with a financial advisor or an accountant. Depending on your financial needs and goals, you may need both. So, what is the difference between the two, and when do you need to enlist the help of each?

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April 22, 2022
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financial advisor with two clients
INVESTING, LIBERATED WEALTH, NEWS

How Centura Supports Goals-Based Investing

In today’s world, the amount of information an individual has access to is endless. With that being said, it can be challenging to navigate the world of wealth management. With ever-changing market cycles and fluctuations, it’s important to understand your financial goals and how they will guide your portfolio.

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April 15, 2022
https://centurawealth.com/wp-content/uploads/2024/08/How-Centura-Supports-Goals-Based-Investing.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-04-15 16:39:002025-04-08 16:22:16How Centura Supports Goals-Based Investing
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EXIT PLANNING, NEWS

Keys to a Successful M&A

A merger or acquisition (M&A) can have a huge impact on your business, regardless of if you are the seller or the buyer. Mergers and acquisitions can offer business owners the opportunity to create more value for their business, expanding beyond what they could do alone. The process of merging or acquiring a company, however, can be a lengthy, complicated process.

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April 9, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-859663820-1.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-04-09 16:46:002025-04-08 16:34:54Keys to a Successful M&A
shaking hands
ESTATE PLANNING, EXIT PLANNING, NEWS

Exit Planning vs Succession Planning vs Legacy Planning: What’s the difference?

The terms succession planning and exit planning are sometimes used interchangeably. At the same time, legacy planning is a part of succession and exit planning strategies but can be addressed on its own for those high-net-worth individuals (HNWIs) who are not also business owners. While succession, legacy, and exit plans require care and attention, there are some important differences.

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April 4, 2022
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LIBERATED WEALTH, NEWS, TAX PLANNING

5 Steps: The Liberated Wealth Process®

Our tax planning generally starts with your existing baseline. After a comprehensive review, we illustrate and synthesize the complexities of your tax profile into sophisticated options. Our goal is to reduce your tax burden and drive meaningful outcomes for you, your family and friends, and charitable organizations.

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January 22, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1285301614.jpg 1414 2119 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-01-22 16:53:002025-04-08 16:22:155 Steps: The Liberated Wealth Process®
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ESTATE PLANNING, NEWS

How to Optimize Your Retirement Plan

Part of our role as stewards to our clients is walking them through the entire financial planning process, from present-day to the coming years. One of the main areas we address with our clients is optimizing their retirement plans.

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January 8, 2022
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Smiling senior couple jogging in the park
NEWS, TAX PLANNING

An Insider’s Guide to Tax Deductions

As far as deductions go, it’s important to be aware that half the cost of your 1040 form can be deducted if you are a sole proprietor (an unincorporated business owned and run by one individual).

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January 1, 2022
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1249852638.jpg 1414 2119 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-01-01 16:57:002025-04-08 16:16:37An Insider’s Guide to Tax Deductions
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LIBERATED WEALTH, NEWS

Up and Coming Technology for Wealth Advisors

The big wirehouses have access to behemoths of technology that supports wealth advisors; however, they can lose the personal touch and the collaboration that a wealth advisory might offer. These technology systems require intense customization and onboarding, which can be difficult to handle on your own.

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December 19, 2021
https://centurawealth.com/wp-content/uploads/2024/08/iStock-1286943539.jpg 1299 2309 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2021-12-19 17:00:002025-04-08 16:35:19Up and Coming Technology for Wealth Advisors
Asian business people discussing while walking
LIBERATED WEALTH, NEWS

How Our Advisors Bring Value and Expertise to Our Clients

When client goals are addressed and discussed thoroughly from the beginning, then the process of managing their wealth becomes a collaboration. So, what does our typical client look like, and how do we separate ourselves from other wealth advisories?

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December 12, 2021
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LIBERATED WEALTH, NEWS, TAX PLANNING

Why Stewardship is at the Core of Everything We Do

There are studies that show that overall, clients want more communication. Over time, there has been a shift in expectations for the relationship between wealth advisor and client— the expectation is hearing from your advisor four times a year.

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December 4, 2021
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video of Kyle
LIBERATED WEALTH, NEWS

Finding Your North Star

We view our role— both as advisors and employers— to facilitate purposeful meaning in both your finances and in your life. Kyle Malstrom goes on to say, “Our job [as advisors] is also as a life coach, in which we help people understand how to achieve their goals and the best way to get there.”

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November 29, 2021
https://centurawealth.com/wp-content/uploads/2024/08/Copy-of-A-Look-Inside-Centura-Wealth-Advisory.png 720 1280 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2021-11-29 17:06:002025-04-08 16:22:15Finding Your North Star
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EXIT PLANNING, NEWS

ESOPs vs. Third Party Sale – What’s the difference?

The advantages of choosing to implement Employee Stock Ownership (ESOP) as a part of your exit plan, vs. selling your company to an outside entity depends on your specific situation.

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November 28, 2021
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Aerial view of middle class neighborhood with residential house community and mountain on the background in Rancho Bernardo, South California, USA.
ESTATE PLANNING, INVESTING, NEWS

Estate Tax: What to Expect from Upcoming Changes

Estate Tax is a tax on your right to transfer property at your death. When our first article was written, there were very few taxpayers that encountered the Estate Tax because the exemption level was at an all-time high.

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November 21, 2021
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Happy aged couple consulting with insurance agent at home
INVESTING, NEWS

Five Questions to Ask Your Financial Planner

Have you ever asked your financial planner, “What’s your company culture like?” If you’re new to financial planning, it can be difficult to know what questions to start with—even if you’re not new to planning, this is true. Here are five questions to ask your financial planner at your next meeting.

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November 5, 2021
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Laughing mature and multiethnic sports people putting hands together at park. Happy group of men and beautiful women smiling and stacking hands outdoor after fitness training. Multiethnic sweaty team cheering after intense training.
INVESTING, NEWS

How Intention Influences Financial Planning

One example of intention influencing financial planning is succession planning and inheritance. The intention behind financial planning is to set up your family members for success and provide for future generations. Since there is a passion for protecting your loved ones, the intention fuels the fire of financial planning.

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November 1, 2021
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employee talking about experience at Centura
INVESTING, LIBERATED WEALTH, NEWS

Seeking the Best: An Inside Look at Centura’s #1 Asset

As an advisory, we believe in encouraging people to be their authentic selves and motivating them to achieve their North Star, or the legacy they want to leave behind. The North Star is a bearing point in someone’s journey. It embodies our client’s goals, values, and purpose for their life and wealth.

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October 22, 2021
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ESTATE PLANNING, NEWS

How to Speak with Aging Family Members About Wealth and Inheritance

The Los Angeles Times reported that “about $36 trillion will flow from one generation to another over the next 30 years.”

This is a huge sum of inheritance to manage, and the conversations leading up to receiving said inheritance might feel uncomfortable or morbid. but they don’t have to feel this way.

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October 16, 2021
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LIBERATED WEALTH, NEWS

How Does Centura Wealth Create Energy?

At Centura Wealth Advisory, we believe in providing our clients with full transparency. In an effort to display this value, we’ve decided to give you a little insight into who our team is. Recently, Centura Wealth has dedicated time to improve its employees’ lives outside of work through encouraging journaling, meditation, appreciation for others, and so on. Hear from our very own Centura Wealth employees about how these practices create energy in the workplace!

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October 8, 2021
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Happy young couple having a great deal with financial advisor or real estate agent at the luxury office. Investment, lending or or successful resolution of legal issues for a young family
NEWS, TAX PLANNING

Wealth Manager vs. Financial Advisor: What’s the difference?

While the terms “wealth manager” and “financial advisor” may be grouped together or used interchangeably, the two professions actually have quite a few significant differences. Individuals looking for assistance in their financial planning should be familiar with these differences to find the best professional help for them and their financial situation.

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October 3, 2021
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Pension calculation concept, old hands counting finances on a home calculator ,
INVESTING, NEWS

How to Sustain Wealth in an Ever-Changing Market

Unique opportunities can include emotional investing that can happen with trends and quick reactions. But there are ways to implement room for risk and create a diverse portfolio that can sustain for generations.

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September 25, 2021
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Front view of family with two small children on cycling trip, sitting on grass and resting.
ESTATE PLANNING, INSURANCE SOLUTIONS, NEWS

Generational Wealth: Transform Your Strategy to Make It Last

Careful stewardship of generational wealth goes beyond simple preservation and moves squarely into optimization and growth of existing assets. To preserve can mean to lose. IF traditions impede progress, preservation is counter-intuitive. How will you be the steward of your family’s generational wealth? This is also related to financial planning and creating a bulletproof retirement plan with our trusted wealth advisors.

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September 16, 2021
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hiking a hill
INVESTING, NEWS, TAX PLANNING

Should You Consider Adding Structured Notes to Your Portfolio?

Professionals have compared structured notes to the innovative mindset behind mutual funds—with the main draw being zero interest rates. In the past, structured notes were a high-risk, high-return investment that only very wealthy investors could get involved in. Recently, however, the transition to using more technology for investing has opened the door for more individuals and families to invest using structured notes.

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September 5, 2021
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perfect sky and ocean
CHARITABLE GIVING, LIBERATED WEALTH, NEWS

Meet Centura: Not Your Traditional Wealth Advisors

Centura Wealth Advisory deviates from the traditional standards of everyday wealth advisories. Our main focus as a wealth advisor is to liberate your wealth, creating an independent advisory firm that goes above and beyond traditional money management. We aspire to bring only the best value-added solutions to our clients; not be all things to all people.

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August 29, 2021
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Excel graph with Spreadsheet Document showing Information Financial Startup Concept. Financial Planning making Accounting Database Report. Graphs and chart on screen with stationery set business stuff
NEWS, TAX PLANNING

Get Ahead of The Curve: Year-End Financial Planning

Trust us, it’s never too early to start year-end planning. Centura Wealth Advisory believes that there are ways to liberate your wealth—that process can be made possible through financial planning.

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August 14, 2021
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Smiling Beautiful Family of Four Play Fetch flying disc with Happy Golden Retriever Dog on the Backyard Lawn. Idyllic Family Has Fun with Loyal Pedigree Dog Outdoors in Summer House Backyard
ESTATE PLANNING, NEWS

The Complexity of Inherited Wealth

There are psychological and logistic reasons for the overwhelming feeling of inheriting wealth. Even though it is an increasingly common event, this is a topic that is rarely talked about.

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August 9, 2021
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EXIT PLANNING, NEWS

How Do I Prepare to Sell My Business?

While there are many risks to owning a business, there are many reasons why you might be considering selling. Whether you are retiring, moving, or seeking new opportunities, here are some steps you can take to make this process as easy as possible.

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July 31, 2021
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LIBERATED WEALTH, NEWS

How to Liberate your Wealth: A Deeper Look

Planning is a multi-step process that is tedious but essential to moving forward in your wealth. It’s easy to be disorganized financially, that’s where we step in. Centura Wealth helps you create order and organization, and most importantly — peace of mind.

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July 24, 2021
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CHARITABLE GIVING, NEWS

How increased charitable giving can improve your bottom line

Liberating your wealth is achieved with a multifaceted financial plan. Charitable giving is a huge pillar of our Centura Wealth’s mission. Charitable giving is a win-win scenario for everyone. You get to invest in an important cause while improving your bottom line.

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July 17, 2021
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NEWS

Legislative Risk: What do you need to do to prepare?

With any administration change, you are bound to see changes that affect your business or financial plan, we call it Legislative Risk.

With change comes opportunity. And with risk we see potential.

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July 10, 2021
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NEWS, TAX PLANNING

Why Financial Planning is Important Now

Knowledge is power, and this rings true especially with financial planning. For some, financial jargon is reason enough to avoid financial planning. The fancy words, however, still fail to cover the truth about financial planning. Wealth has many complexities and responsibilities, but a big part of the burden is simply doing right by your family and your values. In short, grow your knowledge.

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July 3, 2021
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ESTATE PLANNING, NEWS, TAX PLANNING

A Brief History of the Estate Tax and Potential Implications for the Upcoming Election

The estate tax is levied on the entirety of one’s estate upon their passing. This article will guide you through the history of the estate tax while making sense of its complexity and volatility.

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October 19, 2020
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INVESTING, NEWS, TAX PLANNING

O-Zones (Opportunity Zones): Is the Juice Worth the Squeeze?

The Tax Cuts and Jobs Act of 2017 brought about a new type of investment offering, Opportunity Zones, which provide a unique way of mitigating capital gains tax. It’s been reported that Qualified Opportunity Funds have raised over over $6.7 billion thru December 2019, and that there are over 200 available funds. Keep reading to learn more about O-Zones and their tax benefits, and to explore the characteristics of an investor that might consider this opportunity.

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February 7, 2020
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INVESTING, NEWS

Risk Premiums and What They Mean for Your Portfolio

Given an ever-shifting market, it’s important to stay abreast of asset class expectations and how changes in market levels over time can help drive asset allocation decisions in an investment portfolio. In our first blog series on capital markets, we presented our forward-looking risk and return estimates. In this blog we will check current markets relative to our projections to illustrate how we use risk to garner insights necessary for optimal portfolio recommendations. Keep reading to learn more about risk premiums and what they might mean for your portfolio.

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September 26, 2019
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INVESTING, NEWS, TAX PLANNING

Stretch IRA – What Proposed Legislation Could Do to Your Wealth Transfer Plans

Two retirement reform bills (the SECURE Act and RESA) have been circling around Washington, and if passed, may make significant changes to many retirement and estate plans. Notably, the proposed changes outlined in the bill(s) have meaningful implications as the rules on inherited IRA’s are up for debate. Both the House and Senate have different views on the technical aspects of how tax shelters for inherited wealth could be reduced. Read our blog to learn about the differences in proposed changes for “Stretch IRA’s” and what they could mean for tax planning, wealth accumulation and wealth transfer.

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August 16, 2019
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INVESTING, NEWS

Baltic Dry Index and Your Investment Outlook: Why You Should Care about the BDI

The Baltic Dry Index (BDI) is a meaningful economic indicator that may return to its heyday as a predictor of future changes in market prices. At Centura, we believe the BDI is a great barometer for global economic health and is likely to be a useful datapoint as trade wars continue to escalate. Understanding how changes in global trade and key macro-economic factors may impact your portfolio is a key consideration related to portfolio planning and investment strategy.
For example, what does a trade war mean for your portfolio?

At Centura Wealth Advisory we specialize in constructing globally diverse portfolios and the Baltic Dry Index (BDI) is one tool we use to measure the current health of the global economy. We model the BDI in combination with other factors to learn how changes may impact markets & portfolios. When designing and managing our clients’ portfolios, we are careful to evaluate emerging trends (e.g., recent changes in BDI rates), to assess where there may or may not be opportunity and/or risk. Read our blog post on Trade Wars and the Baltic Dry Index to understand why we like this indicator and how it may be used by investors and advisors alike.

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August 4, 2019
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INVESTING, NEWS

Active Management and Risk Adjusted Returns

Passive management or active? We believe in both, but not universally. In order to achieve the best of both worlds, a blended approach is what we offer to deliver the best risk-adjusted after-tax returns, and this post explains why. At Centura Wealth Advisory we believe we can add alpha to both stocks and bonds, although the path to do so is very different. With equities, it is all about taxes, and with fixed income it has to do with economics and math.

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July 22, 2019
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CHARITABLE GIVING, NEWS, TAX PLANNING

Charitable Giving: Breaking Down the 60% Deduction

The current low interest rate environment affords savvy financial planners certain tax planning strategies that leverage charitable giving. These strategies utilize charitable contribution limits, as a percentage of Adjusted Gross Income (AGI), to plan and mitigate taxes in the current year and up to the next five. This article explores the new 60% deduction introduced by Tax Cuts and Job Act (TCJA) of 2017.

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July 9, 2019
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INVESTING, NEWS

Capital Market Projections for Asset Allocation and Portfolio Construction – Part 3 in series

Capital market projections play a critical role in the Liberated Wealth® management process. These projections are used in our financial planning, asset allocation, and portfolio construction processes. The goal of these projections is to maximize the portfolio’s expected return for the particular level of risk or minimize the portfolio’s risk in pursuit of the targeted rate of return. The quality of these inputs’ ties directly to the quality of our process outputs, and in striving to drive positive outcomes for our clients we ensure no detail is overlooked and that they are updated on a regular basis.

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June 11, 2019
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INVESTING, NEWS

Capital Market Projections & Monte Carlo – Part 2 in series

Sophisticated projections are critical to crafting a well-designed financial plan and capital market projections are one of many key inputs that play a vital role in doing that. At Centura Wealth Advisory, we pair forward looking capital market projections with the Monte Carlo Method to estimate:

Probability of a client running out of money before their “end of plan” (i.e., death)
Most likely “end of plan” value (e.g., wealth transfer, charitable giving purposes)
Optimal asset allocation strategy for a given plan

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May 31, 2019
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INVESTING, NEWS

Capital Market Projections

Capital market projections play a critical role in the Liberated Wealth® management process. These projections are used in our financial planning, asset allocation, and portfolio construction processes. The goal of these projections is to maximize the portfolio’s expected return for the particular level of risk or minimize the portfolio’s risk in pursuit of the targeted rate of return. The quality of these inputs’ ties directly to the quality of our process outputs, and in striving to drive positive outcomes for our clients we ensure no detail is overlooked and that they are updated on a regular basis.

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May 8, 2019
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ESTATE PLANNING, NEWS

Your Teen is off to College!

20.4 million kids attended a college, university or trade school in 2017. Using simple math, that means approximately 40.8 million parents sent their babies off to school last year. There is so much to do and to remember!

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August 16, 2018
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ESTATE PLANNING, NEWS

Financial and Estate Planning for Women

Ladies, in today’s world we are exposed to all kinds of sound bites, headlines and political propaganda….. “the war on women,” “wage inequality,” and other such catch phrases designed to incite feelings of helplessness, fear, betrayal and injustice.

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August 16, 2018
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Our planning fee pricing for income tax planning services is determined using a standardized matrix based on Net Worth, Income, and Meeting Frequency. This base planning fee price may be adjusted to account for increased complexity or the occurrence of a future income event. To project tax savings, we analyze prior year tax returns to determine their past tax liability to project out the following year’s tax liability. Based on facts collected and confirmed by the client, we then identify and evaluate applicable tax strategies and the estimated annual tax savings they would produce if implemented. The estimated annual tax savings are then divided by the annual engagement price proposed to/agreed to by the client to determine the multiple on estimated annual tax savings generated as it relates to the planning fees paid. Please note, these initial projections are preliminary and based on our current understanding of the client’s situation. Outcomes may vary based on client’s decisions or chosen course of action regarding the implementation of recommended strategies, their specific goals, and risk tolerance.

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CCG Wealth Management LLC (“Centura”) is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Centura and its representatives are properly licensed or exempt from licensure. For more information click here

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