Earle Allen is a seasoned institutional retirement plan advisor working with CAPTRUST. As part of one of the largest financial advisory firms in the nation, CAPTRUST, Earle brings valuable insights to the table.
In this article, we’ll dive into Earle Allen’s background, take a closer look at CAPTRUST, and explore findings from the IAPD report, giving you a better understanding of Earle’s role and the financial landscape he navigates.
About Earle Allen
Earle Allen serves as an institutional retirement plan advisor based in New York City, NY. Joining CAPTRUST in 2021, he brings over 30 years of industry experience to the team.
Source: LinkedIn
He manages relationships with various healthcare, academic institutions, and other nonprofit organisations, assisting them in fulfilling their fiduciary responsibilities to their plans. Additionally, he serves as a senior-level resource for several other CAPTRUST retirement clients.
As principal, Earle is responsible for developing, implementing, and managing strategic initiatives for the overall delivery of services to defined contribution plan clients.
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Before joining CAPTRUST, Earle was a partner at Cammack Retirement Group, a leading national independent retirement plan consulting and investment advisory firm.
He holds a Bachelor of Arts degree in government from Dartmouth College, where he was an active baseball team member and Chi Gamma Epsilon.
He later earned a Master of Business Administration degree with dual emphasis on management and marketing from New York University’s Stern School of Business.
Earle is a Certified Employee Benefits Specialist (CEBS®), having received the designation from the Wharton School of Business.
Earle Allen IAPD Report
The IAPD report for Earle Allen offers a detailed overview, covering his employment history, professional qualifications, and any disciplinary actions, criminal convictions, civil judgments, or arbitration awards.
It is highly recommended that investors use the IAPD to thoroughly assess the background of representatives before entering into business transactions.
According to the report, there are no disclosures reported against Earle Allen, indicating a clean record. Investors can consider this information as part of their due diligence when evaluating engagements with him.
About CAPTRUST
For over two decades, CAPTRUST has been a leading force in aiding individuals in successful retirement planning and optimizing employer-sponsored retirement plan benefits.
Operating as an investment management company, Captrust Financial Advisors, LLC, based in Raleigh, North Carolina, offers a range of services including wealth management, retirement plans, fiduciary support, investment strategies, financial planning, and advisory services.
CAPTRUST, one of the largest registered investment advisor (RIA) firms in the U.S., manages hundreds of billions of dollars in client assets.
Serving both non-high-net-worth and high-net-worth individuals, as well as institutional clients, the firm provides flexibility with both wrap-fee and non-wrap-fee services.
Established in 2003, CAPTRUST is owned by The CapFinancial Group, LLC, registered in North Carolina.
The CapFinancial Group is owned by CapFinancial Holdings, Inc. and Halftime Holdings LLC, with more than 25% indirectly owned by GTCR Fund XII B through its ownership of Halftime Holdings, LLC.
CAPTRUST Services
CAPTRUST offers an array of services to address diverse financial needs, providing tailored solutions for each client:
Family Philanthropic Planning:
In this service, CAPTRUST goes further than traditional charitable giving. With a focus on strategic philanthropy, the team provides insightful guidance on entity selection to help clients establish a solid organizational foundation.
Governance structures are meticulously designed for effective management. Discussions include finding the right balance between active and passive giving, tailored to align with client preferences.
Strategic prioritization ensures that philanthropic efforts resonate with personal values and overarching goals.
Insurance Planning:
CAPTRUST’s Insurance Planning service coordinates liquidity needs with broader business and estate objectives. Portfolios are crafted not only to protect against risks but also to contribute to long-term financial goals.
The team assists clients in acquiring insurance policies tailored to their unique circumstances, conducting ongoing reviews for alignment with evolving needs.
Aggregate reporting provides a consolidated view for a holistic understanding of one’s insurance portfolio.
Performance Reporting:
CAPTRUST’s Performance Reporting service delivers a detailed quarterly assessment of investment manager and portfolio performance. The team conducts thorough risk analyses and benchmarking against peer groups and indexes.
This service provides valuable insights into the relative performance of investments, empowering clients to make informed decisions beyond standard reporting.
Portfolio Construction & Management:
Navigating investment complexities, CAPTRUST’s Portfolio Construction & Management service offers a tailored approach. The team develops investment strategies aligned with each client’s specific goals and risk tolerance.
Ongoing oversight ensures portfolios adapt to market dynamics, providing a dynamic and responsive investment plan centred around aligning strategies with clients’ unique financial objectives.
Retirement Planning:
Retirement Planning at CAPTRUST is a personalized journey, involving crafting financial advice and investment strategies specifically tailored to help clients achieve post-career income goals.
The team considers lifestyle objectives, ensuring the retirement plan aligns not just with financial needs but also with the envisioned lifestyle, providing a comprehensive roadmap for a fulfilling retirement.
Risk Management:
CAPTRUST’s Risk Management service takes a proactive approach to safeguarding financial well-being. Going beyond traditional insurance planning, it addresses areas such as liability planning, income tax nexus, and unexpected events.
Their team collaborates with clients to develop comprehensive strategies to mitigate potential risks, ensuring financial security in the face of unforeseen circumstances.
Tax Consulting & Compliance:
In Tax Consulting and Compliance, CAPTRUST provides expert guidance on tax matters for individuals, trusts, estates, and various business entities. The service extends beyond compliance support, offering strategic tax planning to optimize financial outcomes.
These services collectively embody CAPTRUST’s commitment to delivering comprehensive financial solutions, ensuring clients are well-prepared for the present and equipped for a resilient and prosperous financial future.
Unfortunately, they do not offer IRA services in which investors can hold physical precious metals such as gold, silver, and platinum in their retirement investment portfolio.
Why Are Investors Diversifying Their Portfolio?
Experts agree that the financial market is now even more fragile than pre-2008. Will your retirement portfolio weather the imminent financial crisis? Threats are many. Pick your poison..
The financial system would be in great peril if one or more big banks fail.
“When we get to a downturn, banks won’t have the cushion to absorb the losses. Without a cushion, we will have 2008 and 2009 again.”
Student debt, which has been on a steep rise for years, could figure greatly in the next credit downturn.
“There are parallels to 2008: There are massive amounts of unaffordable loans being made to people who can’t pay them”
The US national debt has spiked $1 trillion in less than 6 months!
“If we keep throwing gas on flames with deficit spending, I worry about how severe the next [economic] downturn is going to be–and whether we have enough bullets left [to fight it],”
Total household debt rose to an all-time high of $13.67 trillion at year-end 2019.
“Any type of secured lending backed by an asset that is overvalued should be a concern… that is what happened with housing.”
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Beyond Traditional Investments: Why you should invest in gold in 2024
Investing in gold can offer several advantages in 2024, particularly when it comes to retirement planning. One key benefit is that gold is often seen as a hedge against inflation.
Over time, gold has demonstrated the ability to retain its value and preserve spending power despite currency fluctuations. Given the current high inflation rates, experts suggest that increasing allocations to gold could be a wise move.
The Personal Consumer Expenditures (PCE) index, which measures Americans’ spending on goods and services, has been notably high, ranging from 6% to 7% in 2022—significantly above historical standards and the Federal Reserve’s target rate of 2%.
With expectations that the economy may not fully recover until 2025 or later, gold becomes an appealing investment option.
Diversification is another advantage of investing in gold. During economic downturns or recessions, the stock market and real estate assets may face challenges.
Gold, however, tends to be a reliable strategy for maintaining a diversified portfolio. This diversification helps reduce exposure to risky investments and minimizes the impact of potential losses.
Additionally, gold provides liquidity, a crucial factor during a recession. Liquidity refers to the ability to quickly sell assets for cash, which becomes essential in times of financial difficulty.
Gold stands out in this aspect, offering high liquidity compared to other assets like stocks, bonds, or real estate. Its ability to be easily converted into cash makes it a valuable investment during economic downturns.
The stability and value of gold, along with its liquidity, make it a compelling option for investors looking to navigate potential economic challenges in 2024 and beyond, especially in the context of retirement planning.
Conclusion
Earle Allen is a seasoned retirement plan advisor at CAPTRUST, New York City. With over 30 years of expertise, he plays a key role in strategic initiatives for defined contribution plans.
CAPTRUST, a leading financial advisory firm, offers a range of services, including retirement planning and risk management.
Considering the economic landscape in 2024, diversifying into gold emerges as a compelling option for investors.
Earle Allen’s clean record and CAPTRUST’s commitment to comprehensive financial solutions position them as reliable partners for individuals navigating the evolving financial terrain and planning for long-term success.