Moves to Make Before Tax Time

As you clean up the corks and streamers from New Year’s celebrations, finances may not be top of mind. With the holiday season fuss, many people forget to check on year-end to-dos in December. Good news: there’s still time to make some moves that can positively impact your 2021 tax situation and your overall financial health.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)
IRAs can be opened and funded this year before April 15, 2022 (or October 15 for SEPS, SIMPLEs, and 401(k)s) to count for 2021. The deductibility of these contributions depends on the type of IRA as well as whether you are enrolled in a workplace retirement plan.

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Planning for the Inevitability of Loss

The past year was defined by incomprehensible loss—and for many, the losses were personal. In May, my father-in-law Bernie passed away on his 94th birthday. In the end, he said he was ready to go, but we are mourning the loss of an attentive and engaged family man who was like a second father to me.

In the midst of our grieving, I was thankful that we had done some planning ahead of time for this moment. With this recent experience in mind, here are some steps you can take to prepare in advance for inevitable end-of-life transitions.

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Capitalism: Reformation or Revolution?

My conversation with Esther Park of Cienega Capital for my Smart & Soulful Money® podcast brought me more clarity and also opened my thinking to what’s possible. I hope it does something similar for you! A few of my takeaways from our conversation include a more grounded idea of change based on growing up through the cracks (spaces of possibility) and how powerful and transformative this type of change can be. Part of this is a “whole systems” perspective—the opposite of monoculture ways of thinking and implementing.

Also, there is so much power and opportunity stored away in charitable foundations and other structures like donor-advised funds. Opening the flow of these resources, in a way that is wise and inclusive, can mean critical transformation for addressing so many needs we have—from climate change to racial  equity to the many social needs of our day. We don’t have to be Rockefellers to be a part of creating (and incubating!) systemic changes.

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Planning for the Inevitability of Loss

The past year was defined by incomprehensible loss—and for many, the losses were personal. In May, my father-in-law Bernie passed away on his 94th birthday. In the end, he said he was ready to go, but we are mourning the loss of an attentive and engaged family man who was like a second father to me.

In the midst of our grieving, I was thankful that we had done some planning ahead of time for this moment. With this recent experience in mind, here are some steps you can take to prepare in advance for inevitable end-of-life transitions.

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Black Economic Self-Determination with Ed Whitfield

Natural Investments hosted a webinar called “Black Economic Self-Determination: To Move Forward We Must Understand The Past” with Ed Whitfield of Seed Commons. Reconstruction, the period that followed the Civil War, was a time when attempts were made to repair our country and our economy from slavery. Reconstruction failed, and set us up for what we are experiencing now–a political, social and economic system based in white supremacy and white nationalist violence. The increasing racial wealth divide exacerbated by COVID, killings of Black people, flagrant racism under Trump, modern day red lining and the January 6th insurrection are all ways that we see and feel the vestiges of failed Reconstruction.

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Transforming Systemic Inequity

2020 will go down in history as a year of profound disruption. One crisis after another exposed the mortal consequences of racial inequities––beginning with a pandemic in which people of color were far more likely to die than white Americans and a series of brutal police killings of unarmed Black civilians. These painful events spurred a national uprising, led by the Movement for Black Lives and supported by thousands of allied groups across the country, that has since been characterized by scholars as the largest mass movement in US history.

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Even Worse “Worst-Case Scenario” Planning

If you’re working with a financial planner, chances are you’re the kind of person who has also prepared for the possibility of an earthquake, hurricane, or wildfires. But have you prepared for potential civil unrest around the election? “What? No, that could never happen here!” you might be thinking. Well, it’s not something I’d ever worried about before either, but hear me out.

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Pandemic Planning: Transitions, Endings, and New Beginnings

Most of us have experienced important disruptions due to the COVID-19 pandemic. At the time of publication, more than 128,000 Americans have died from the illness, leaving entire communities in mourning. Shut-downs and quarantine orders have devastated the economies of entire cities. Nearly everyone—even the most privileged—have had to make major changes to their daily lives.

With the pandemic still in full force, a national response to the police killings of George Floyd, Breonna Taylor, and other Black Americans who lost their lives to institutionalized racial violence has swept across the nation and even the world. The tumultuous events of spring have created one disruption after another. Although disruption can be painful, endings create space for change.

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2019 Regenerative Investments

When available, a portion of client assets are directed to so-called “regenerative investments” in the private market. Natural Investments seeks funds and companies with an elevated business model that takes into account the public good. The authenticity of the model is usually backed by language in the corporate charter or third-party certifications verifying moral conduct at all levels: people, planet, and prosperity. The objectives foster a regenerative business structure at the outset, that can then be maintained through any economic environment.

2019 Social Impact Report

$89M in regenerative investments are spread across several main categories of impact.

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Spotlight: Ecotrust Forest Management

Scientists been clear that in order to prevent some of the runaway effects of climate change, it’s not enough to simply reduce our dependence on fossil-fuels: we also have to draw down and sequester carbon from the atmosphere. Radically shifting the way we use and manage land is integral in tackling the climate crisis, and the choices we make around forest management offer significant potential to mitigate global climate change and biodiversity loss.

Forests cover about 31% of Earth’s global land area, and a quarter of them lie in the temperate zone (mostly in the Northern Hemisphere). Today, 99% of temperate forests have been altered in some way—timbered, converted to agriculture, or disrupted by development. Project Drawdown considers temperate forest restoration

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