The Johnson Team

The Moneta Enterprise Service Team (EST) supports Johnson Team Client Service Managers (CSMs) by handling custodial and alternative investment paperwork, allowing CSMs to focus on client relationships. Since EST manages document delivery, you may notice new names on DocuSigns and cover letters acting on behalf of your CSM. 

Interest rate fluctuations can impact both income and portfolio performance, particularly in fixed-income investments like bonds and CDs. When rates rise, these investments can generate more income, but the value of existing bonds may decline. This matters if you need to sell before maturity, but not if you plan to hold them to term. 

SECURE ACT 2.0 creates an option to allow 529 plan savings to transfer into a Roth IRA for the beneficiary.  This option applies to a 529 plan account that has been in effect for at least 15 years, and the amount transferred does not exceed the total contributions made to the 529 plan during the most recent 5 years.  The amount transferred during a year is limited to the annual amount allowed as a Roth IRA contribution, and all transfers are limited to a maximum of $35,000.