Mynorth Estate & Financial Services Fall 2021 by MyNorth

CRYPTOCURRENCY: HOW AND WHEN TO BUY

THE BEST INVESTMENT APPS OF 2021

2021

Estate & Financial Services YOUR NORTHERN MICHIGAN GUIDE TO A SECURE FINANCIAL FUTURE

The New

Investing World

A SUPPLEMENT TO

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Creating an Estate Plan It’s not too early to start preparing for the future. The first step you’ll need to take is to evaluate your situation and then develop a strategy that helps meet your needs. When you create your estate plan, consider the following factors and how they interact when working with a qualified estate-planning attorney. It’s not too early to start preparing for the future. The first step you’ll need to take is to evaluate your situation and then develop a strategy that helps meet your needs. When you create Beneficiary Designation Account Registration your estate plan, consider the following factors and howAssets they that interact when working with a You should properly register your investment designate a beneficiary, such as life qualified estate-planning accounts by listing theattorney. correct individual(s) as the insurance policies or retirement assets, will pass

Creating an Estate Plan

owner(s) of each account. Make sure all names are automatically at your death to the designated benefispelled correctly. If you have a living trust, you ciary, regardless of your will or living trust. As a Account Registration should generally register the accounts into the Beneficiary result,Designation take time to review these designations to help You should properly register your investment Assets that designate beneficiary, such asyour life overall name of the trust. make sure theya are consistent with accounts by listing the correct individual(s) as the insurance policies or retirement assets, will pass estate plan and personal goals. owner(s) of each account. Make sure all names are automatically at your death to the designated benefiWill spelled correctly. If you have a living trust, you ciary, regardless of your will or living trust. As a A will describes your assets will be divided result, take Durable Attorney should generally registerhow the accounts into the time toPower review of these designations to help and distributed at your death. This document also With a durable power attorney, you designate an name of the trust. make sure they are consistent of with your overall names the person(s) who will manage your estateestate plan individual to make financial decisions on your behalf and personal goals. with respect to your individually owned assets. The at your death. Will power of attorney may be broad, or you may limit It is important to note that a will governs the disposiA will describes how your assets will be divided Durable Power ofthat Attorney the powers you grant to such an individual. tion of assets in your and distributed at yourheld death. Thisindividual documentname also only. ItWith a durable power of attorney, you designate an This also decisions provides incapacity protection does not govern held asyour “joint tenants,” those names the person(s) whoassets will manage estate individual to document make financial on your behalf that designate a beneficiary or those held within awith respect if youtobecome disabled. Please however, that your individually ownednote, assets. The at your death. revocable trust. However, a will can help ensure that transferred youror living are generally power ofassets attorney may be to broad, you trust may limit It is important to note that a will assets governs the disposiyour individually owned transfer at your death not that governed by the ofindividual. attorney. Instead, your the powers you grant to power such an tion of assets held in your individual name only. It as you intended. trustees will have decision-making authority with This document provides incapacity protection does not govern assets held as “joint tenants,” those respectalso to those assets. that designate a beneficiary or those held within a if you become disabled. Please note, however, that Living revocable trust. Trust However, a will can help ensure that assets transferred to your living trust are generally Often youowned can use a willtransfer in conjunction Health Directive/Living Will/ your your individually assets at your with deatha living not governed byCare the power of attorney. Instead, trust. You can create this trust during your lifetimetrusteesPower ofdecision-making Attorney for Health Care as you intended. will have authority with for your own benefit. At your death, the trust will respect With these documents, you name your health care to those assets. distribute your assets in the same way a will does, agents to act on your behalf for medical treatment Living Trust but without the high degree of court involvement. decisions if you’re unable to act for yourself. These Often you can use a will in conjunction with a living Health documents Care Directive/Living Will/ also express your specific wishes with You may want to consider establishing a living trust trust. You can create this trust during your lifetime Power respect of Attorney for Health Care to the administration of life-prolonging if you want to: for your own benefit. At your death, the trust will With these documents, you name yourcommunicate health care them. procedures when you cannot • Avoid the costs and formal distribute your assets in the same wayrequirements a will does, of the agents to act on your behalf for medical treatment probate process but without the high degree of court involvement. decisions if you’re unable to act for yourself. These Edward Jones, its employees and financial advisors are not estate planners do not provide tax or legal advice. with Please consult a • Protect your and your family’s privacy from the documents alsoand express your specific wishes You may want to consider establishing a living trust qualified tax professional or an attorney for advice regarding your public aspects of the probate process respect to the administration of life-prolonging situation. if you want to: • Protect assets should you become incapacitatedprocedures or when you cannot communicate them. • Avoid the costs and formal requirements of the eventually need help managing your financial affairs probate process • Protect your and your family’s privacy from the Financial Advisors in Traverse City public aspects of the probate process

® John W Elwell, AAMS® John Tredway Heather J Boivin, AAMS

Edward Jones, its employees and financial advisors are not estate planners and do not provide tax or legal advice. Please consult a Financial Advisor qualified tax professional or an attorney for advice regarding your in Interlochen edwardjones.com situation. Jamie Keillor Member SIPCBill Collin

• Protect assets should you become incapacitated or Financial Advisor 806 S Garfield Ave, Suite B 3285 South Airport Road West eventually need help managing your financial affairs 231-932-1290 231-933-5263 3588 Veterans Dr Traverse City, MI 49684-4569 ® Andrew Weaver Yancy Boivin, AAMS 231-947-0079

3285 South Airport Road West 231-933-5263 John W Elwell, AAMS®

125 Park Street, Suite 250 231-947-3032

Financial Advisor

4110 Copper Ridge Dr, Building D, Suite 202 231-252-3561

Greg Williams edwardjones.com 513 S Union St 231-933-0881Member SIPC

EST-2913E-A EXP 30 APR® 2022 © 2020 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Jim Mellinger John W Elwell, AAMS 3588 Veterans Dr 12935 SW Bay Shore Dr, Ste 310 3588 Veterans Dr Traverse City, MI 49684-4569 231-947-1123 231-947-0079

9672 US Highway 31, Ste 400 231-276-1355

Call or visit any of our financial advisors in the area.

231-947-0079

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ESTATE & FINANCIAL SERVICES

Investing World THE NEW

What you need to know about the pros and cons of investing in cryptocurrency. BY ALLISON JARRELL

he next generation of investors has its eye on a new form of money— cryptocurrency. Even if you aren’t familiar with the ins and outs of how the online currency works, odds are you’ve heard plenty about how Bitcoin, Dogecoin and others are changing the world of investing as we know it. We caught up with Dr. Thomas J. Holt, director and professor at Michigan State University’s School of Criminal Justice, to learn more about investing in crypto. continued on page 15

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THE RIGHT FIT Now, more than ever, it is important to find financial advisors that truly listen and work FOR you. As Accredited Investment Fiduciaries, Traverse City-based financial advisors, Mecky Kessler-Howell and Kristi L. Avery of FOR Investment Partners want to know what you care about most. Kristi, “When constructing a financial portfolio, I want to know what matters most to our clients. These are hard earned resources, with specific financial goals and should be invested with the utmost attention to alignment with our client’s values and needs” Once we have a clear idea of what matters most to our clients, FOR Investment Partners will help you construct an intentional portfolio reflecting your personal or organization’s values, not just your standard cookie-cutter portfolio. Adds Mecky, “We work FOR you. As independent financial advisors, we have only your best interests and goals at the forefront of our advice.” “Combined we have over 40 years of experience helping clients invest with their intention. Our goal is to help align your financial resources according to your values, and plant seeds for financial returns.”

FOR YOUR FAMILY. FOR YOUR FUTURE. FOR YOUR LIFESTYLE.

It’s easy to reach out... 2226 South Airport Road West, Traverse City 231.933.4396 | forinvestmentpartners.com kavery@wisdirect.com | mhowell@wisdirect.com Securities and Investment Advisory Services offered through Western International Securities, Inc., Member FINRA/SIPC. FOR Investment Partners & Western International Securities, Inc., are separate & unaffiliated entities. PAID FEATURE

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ESTATE & FINANCIAL SERVICES

If you’re very risk-averse, I would not recommend investing in crypto. But for people who are not risk-averse—who would accept a higher degree of loss—this is a reasonable investment.

THE BASICS In essence, crypto is a form of currency that can be used to pay for goods and services online. Entities like Bitcoin, Dogecoin and Ethereum issue their own currencies, usually referred to as “tokens” or “coins,” which can be traded for specific goods or services offered. Investing in crypto is nearly identical to investing in a country’s native currency, such as the yen or the euro—the difference being that a country’s currency rises and falls based on the country’s successes, whereas, according to Investopedia, crypto rises and falls for various reasons, including “media coverage, speculation and availability.” Crypto works using something called “blockchain”—a decentralized technology that’s spread across many computers. This technology manages and records transactions, and it keeps crypto anonymous and secure—which is part of its appeal. “Blockchain is a way to validate that transactions have occurred in an encrypted, anonymized fashion,” Holt says. “It’s a public ledger of sorts for transactions.” PROS AND CONS OF CRYPTO Investors are turning to crypto over traditional government-based money for a variety of reasons. Some point to crypto’s ability to reduce corruption—chances of abusing power increase when one entity holds all the power, and crypto’s blockchain technology distributes power among all members of its network. (Unlike a mutual fund where a single entity controls one ledger, blockchain uses a distributed ledger that helps to remove the risk of corruption or fraud.) Crypto also allows folks to cut out the middleman (banks) and take charge of their own funds. But crypto isn’t without its risks—currencies lack regulation and are often volatile. In 2017, the price of Bitcoin and other major currencies skyrocketed above 1,000 percent before crashing back down. And more recently this year, Elon Musk’s mentions of Dogecoin have it both tumbling and soaring.

“That’s one of the biggest risks—the degree to which cryptocurrencies can be artificially inflated,” Holt says. So, is cryptocurrency safe to invest in? Holt says yes, but with a caveat. “Due to the volatility of the currencies themselves, they are risky,” he says. “It’s not the same as a traditional investment or mutual fund investment. An individual needs to be very aware of the risks when they invest. “If you’re very risk-averse, I would not recommend investing in crypto,” Holt continues. “It’s not something I would do as a casual investor generally. But for people who are not riskaverse—who would accept a higher degree of loss—this is a reasonable investment.” In general, Holt recommends those interested in taking the plunge invest in cryptocurrencies that are well known. There are more than 9,000 different cryptocurrencies in existence as of April 2021, but more established cryptos like Bitcoin, Ethereum and Litecoin might be a good place to start. (Think of it like investing in an established economy versus a developing economy.) “There are so many variations,” Holt says. “Do your due diligence—don’t just pick [a new cryptocurrency] that was pumped up once on a podcast. Treat it like you would any other vendor. If you just buy $100 worth of some far-flung crypto, you may never get that money back. This is a space that can be pretty easy to scam people, so due diligence is tremendously important.” When deciding which cryptocurrency to invest in, you’ll find countless articles with advice and tips from financial experts on sites like TIME, Forbes, Business Insider, CNBC, Investopedia, etc. Ideally, a financial advisor would be able to guide you on which cryptos to consider adding to your portfolio and how much, but many advisors don’t recognize crypto as an investable asset class like stocks or bonds. Companies like Edward Jones and Fidelity have cryptocurrency primers on their websites, but clearly state that their customers cannot buy or sell crypto through them. continued on page 19

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Welcome Home It is called by many names - oasis, sanctuary, shelter, pad, humble abode. It is our place to eat, work, recharge, and relax. It is where we spend our lives, raise our families, welcome friends, and care for our loved ones. It is our starting point for our adventures, and where we finish them. It is home. Two Michigan based companies are working together to protect your important place. Fischer Insurance Agency and Fremont Insurance have the coverages you need to protect your home or home-away-from-home. “We have a great partnership with Fremont, we both pride ourselves on our reputation and unparalleled service. Fremont offers exceptional prices and dynamic products,” says Joe Fischer of Fischer Insurance. These companies know a thing or two about insurance. With an impressive combined 180 years of business, they know the local geography, climate, demographics, and lifestyle in ways that national insurers can’t. As other companies try to service you from across the country, Fischer and Fremont are local and right here when you need them. We’re Confident You Won’t Find a Better Insurance Value.

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Fremont Insurance takes pride in providing Michigan residents with exceptional service and customized products at affordable rates. Our customer-focused approach has made Fremont one of the fastest growing and most respected insurers in the state. Your home is one of your biggest investments. That’s why Fremont has the coverage and money-saving discounts you need to protect this investment and get the most value for your premium dollar. Fremont offers flexible and affordable options to meet a wide range of needs. Guaranteed replacement cost for your dwelling and Replacement cost for your contents - We encourage you to contact Fischer Insurance to evaluate your home insurance needs and how best to protect yourself in the event of a loss. If you are not a homeowner, Fremont also offers renters and condominium insurance, with many of the same value-added options. Fast, friendly, and reliable service. Your individual needs are reviewed and addressed by professional and experienced agents at Fischer Insurance. Customized and dynamic policies. Your policy is tailored specifically to your situation and needs. Fremont also offers commercial, farm and marine policies, many of which provide the same great discounts and customization that other carriers have taken away.

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Planning For The Future Should Be As Relaxing As... Your Future. Planning for your future shouldn’t be stressful. Whether your desire is to create a secure retirement or leave a lasting legacy we honor your intention now and decades to come. We guide and empower you along your financial journey, helping to offer you clarity and financial independence. Our process is to embrace, educate, and empower your decisions. So while you are spending your time relaxing you can be confident that your team understands what’s important to you.

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6 CRYPTO INVESTING APPS YOU SHOULD KNOW You’ve sailed through the Coinbase tutorials and now you’re ready to dive into other exchange options. For those looking for something beyond Coinbase’s offerings, here are some of the best apps and sites for investing in cryptocurrencies. SoFi is a great choice for beginner investors looking for a straightforward, easy-to-use platform. Pricing is also extremely reasonable—you can start investing with just $1. (There are no recurring fees, either.) The app allows users to take advantage of a free portfolio manager picks and manages your investments for you, but browsing investment opportunities on your own is also a breeze on SoFi. In addition, you’ll have access to investment education articles, as well as complimentary financial planning sessions. sofi.com Robinhood is considered one of the best apps for beginners looking for options to buy a wide array of cryptocurrencies, as well as more traditional investments like stocks and options, all in one place. All crypto trading on the app is completely commission-free, and there are no fees or account minimums. A premium account with more features starts at $5 a month. robinhood.com Gemini is popular with investors in part because of its attention to security and transparency. The app, which features a user-friendly interface, offers Federal Deposit Insurance Corporation (FDIC) protection on all deposits. And as an added benefit, new users get $10 when they open an account and deposit $100. gemini.com eToro offers investors a solid selection of cryptocurrencies to choose from (more than a dozen), as well as some features that set it apart from other apps—think social media-type commenting and following that allows you to observe and copy the trades and portfolios of other investors. The app also includes a practice account that you can try out before investing real funds. Unlike Robinhood, eToro does require a $50 account minimum and the app has a straightforward fee schedule that varies by cryptocurrency. etoro.com BlockFi is an exceptional app for earning monthly interest on your crypto investments (up to 7.5% annually). The app allows users to borrow against their holdings instead of selling their tokens/coins, or users can hold your crypto and let it earn interest. Currently BlockFi is offering a Bitcoin bonus when you deposit $100 or more, but there’s no minimum deposit or monthly fees. blockfi.com Stockpile is perfect for parents wanting to teach their kids or teens about investing and the stock market. The app makes it easy to gift stock to a young user, and parents can also keep an eye on the account of a minor. Stockpile does charge a commission of $0.99 per trade, but it offers fractional share investing, which may make the fee worth it for some users. Stockpile also includes fun and educational mini lessons that teach kids about the ins and outs of investing. Does your teen want to know more about Bitcoin? Stockpile will guide them through the basics while giving new users a $5 credit to invest in crypto or other stocks. stockpile.com

Holt also suggests beginner investors start by buying crypto and sitting on it. “I would be very careful about investing with the notion that you’re going to turn it around quickly and sell it off,” he says. “Look at it as a broader portfolio investment. Start slow and build your way to being comfortable with it.” Holt adds that for environmentally conscious individuals, some cryptocurrencies have a lower carbon footprint than others. New crypto is created or “mined” by using computers to complete very difficult math equations. Solving a Bitcoin equation requires more computing power than currencies such as Dogecoin or Ethereum, which means it uses more electricity per coin mined. Crypto may be hot right now, but with its volatility, will it stay that way? Is it the future of finance? “It’s possible,” Holt says. “I think that hard currencies are always going to have a specific role. At the moment, it seems like crypto is just another type of commodity or stock. But the blockchain and accountability component makes it attractive. It could certainly happen over time, but would maybe require some generational changes before that could take root.” HOW TO GET STARTED Holt says he would heartily encourage anyone who’s interested in investing to do a lot of reading upfront to understand how cryptocurrencies work. “It’s important to understand the tax implications of buying and using cryptos,” he says. “There are taxes one will have to pay in order to liquidate or use Bitcoin in the U.S.—you will be taxed like capital gains.” The best way to get started, in Holt’s opinion, is to use a site like Coinbase (coinbase.com) that provides very easyto-understand tutorials. “Coinbase is definitely the forerunner in this,” he says. “The site will also give you cryptocurrency while you’re going through their tutorials. So you get a little bit of cryptocurrency for the effort that you put into learning about it.” According to TIME, more than 56 million people are trading what amounts to over $300 billion worth of cryptocurrency on Coinbase each quarter. Users often report enjoying the simple, beginner-friendly interface and educational tools. Beyond learning about crypto, you can use also Coinbase to invest in more than 50 different cryptocurrencies, and the site has been lauded for its strong security measures. (Note: If you choose to use Coinbase as an exchange for investing in crypto, it does charge fees.) For more information about investing in crypto, visit coinbase.com.

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Pictured from left to right: Dan and Peg Jonkhoff, Christy Jonkhoff-Hater and Lindsey (Jonkhoff) Rogers

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Many people support the Grand Traverse Regional Land Conservancy because they know the best way to ensure our region remains vibrant, healthy and beautiful is to protect the critical places we all love - forever. Planning for a conservation legacy offers the satisfaction of supporting a vital cause, the excitement of knowing your gift will make a positive impact and – in many cases – substantial financial benefits to you and/ or another beneficiary through tax advantages or life income. Many arrange planned gifts to ensure their vision and annual support can last well into the future. We can work with your financial advisor to design a gift planning option that will meet your personal, financial and charitable goals, all while safeguarding the region’s most special places for future generations.

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A Financial Plan Built Just for You. Are you at the beginning or middle of your career? Are you retired, nearly retired, or far from it? Do you avoid risk, or embrace it? Goals and preferences change as time passes and experiences shift paradigms. That’s why our advisors customize your plan to suit the special combination of factors in your life.

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Estate Planning

You work hard for your money. Let your money work hard for you.

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Enough is enough.

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