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Planning With Purpose: Adapting Strategies to Shifting Rates

Paul Kieffer, CPA/PFS, CFP®, Senior Wealth Planner 

<p>Planning With Purpose: Adapting Strategies to Shifting Rates</p>

The effectiveness of many financial planning strategies depends on interest rates. Some work better when rates are low; others lose their edge when rates rise. If your goal is a large tax deduction or income stream, the prevailing interest rate can significantly affect results.

Key Takeaways

  • Planning is a dynamic process and is never fully completed, as client circumstances and the outside environment change on a fairly regular basis.
  • Changing interest rates can have a significant impact on the effectiveness of various charitable strategies, some positive, some negative, depending on a client's goals.
  • Planning strategies considered in the past but not implemented because they did not meet a certain threshold the client desired should be revisited in a different-interest-rate environment, as the results may have changed considerably.
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