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Financial Literacy Month, Rollovers, and more! (Monthly Newsletter, April 2021)


April Showers bring May Flowers...Spring is finally here!

And if you didn't know it, it's also Financial Literacy Month!  So, we have plenty of content for you to commemorate the month in which a lot of importance is placed on learning about finances.

In this edition, we'd like to remind you of a few things, including scheduling your reviews, your options if you still have a 401(k) at a previous employer, plus other helpful and timely content we thought you'd enjoy.

We try our best to provide content that we hope is relevant, but if you have any ideas  you'd like for us to share some information about in our future newsletters, please let us know.

As always, feel free to reach out if you have any questions or need assistance.  Be sure to use our dedicated email,, to ensure you get a timely response from us, or you may also call (262) 230-1095.

Until next time, enjoy this newsletter and the improving weather:)

Chad and Nicole

"Green Shoots" in the Economy

Investors looking for "green shoots" to confirm that the economy is on the mend have seen plenty of examples in recent weeks.

Retail sales rose 9.8% in March, the largest monthly gain since May 2020. It's important to remember that purchases at stores, restaurants, and online are among the biggest drivers of overall economic activity. The gain coincides with the government distributing hundreds of billions of dollars in stimulus funds to households.1

New jobless claims came in at 576,000 for the week ended April 10—the lowest level since March 14, 2020, and continuing unemployment claims were at their lowest four-week moving average since March 28, 2020.2

Housing starts rose 19.4% to 1.7 million units in March, the highest level since June 2006.3

Green shoots is a term used to indicate signs of economic recovery after a downturn. It's a reference to when plants start to show signs of life again. Most recently, former Fed Chair Ben Bernanke used the metaphor to describe the economic recovery following the 2007-2008 financial crisis.4

There is no doubt the economy may face several challenges in the months ahead. Interest rates, taxes, and inflation are three issues that may take over the headlines at any time.5

But please know that we're keeping a close eye on the economic trends. This watchfulness is in an attempt to determine "what's the signal and what's the noise" as events unfold. In the meantime, reach out if you anticipate any green shoots in your personal finances. We'd welcome the chance to hear your story.

1. The Wall Street Journal, April 15, 2021
2. Department of Labor News Release, April 15, 2021
3. Reuters, April 16, 2021
4., 2021
5., April 14, 2021

The IRS Extends Additional Tax Deadlines...

Previously, the Internal Revenue Service (IRS) announced that the federal income tax filing due date for individuals for the 2020 tax year had been automatically extended from April 15, 2021, to May 17, 2021.1

More time for all
However, the IRS has also settled on May 17, 2021 as the deadline for contributions to individual retirement arrangements (IRAs and Roth IRAs), health savings accounts (HSAs), and Coverdell education savings accounts (Coverdell ESAs)2

No additional tax until May 17, 2021
This also automatically postpones to May 17, 2021, the deadline for reporting and payment of the 10% additional tax on amounts includible in gross income from 2020, distributions from IRAs, or workplace-based retirement plans.3

What about estimated tax payments?
Keep in mind that this does not alter the April 15, 2021, deadline for estimated tax payments; these payments are still due on April 15. Taxes must be paid as taxpayers earn or receive income during the year, either through withholding or estimated tax payments.4

1., March 17, 2021
2., March 29, 2021
3., March 29, 2021
4., March 29, 2021

One of Our Own was Highlighted in U.S. News & World Report

Thanks to Nicole's marketing efforts, one of our own advisors, Alex Fons, was recently quoted in U.S. News & World Report! 

To view the article, click on the image below.

Call our office if you'd like to learn more about our Robo-Advisor Platform.


401(k) Rollovers and IRAs - Yes, we can help!

If you or someone you know has left a job (or lost a job due to the pandemic) or is in transition for any other reason, you’ll likely have many questions, with some more important than others:

  • What do I do next?
  • What resources do I have while I’m searching for my next job?
  • How about unemployment or healthcare?

Then likely lower on your list (though some of you might already be wondering) is “What should I do with my 401(k)?

People leaving an employer or who have lost their jobs usually have four options with their retirement plan.  Your options are:

  1. Cash out the account balance. (Due to possible tax implications and penalties, this may be an option you’ll want to consider carefully).
  2. Leave the money in your former employer’s plan, if permitted.
  3. Roll the assets into your new (or next) employer’s plan, if one is available and rollovers into that new plan are permitted.
  4. Rollover your old retirement plan into an IRA (Individual Retirement Account).

Each choice offers advantages and disadvantages and there are a few factors to consider when deciding.  

If you are uncertain what action to take with your old retirement accounts, please allow us to help youThat’s what we do.

Schedule an Exploratory Call

In the world of finance, the effects of the "confidence gap" can be especially apparent.  Click here or on the image above to watch a short, encouraging video.

Let Us Help Those You Care About!

In case you didn't know...

We have the capacity and want to help your parents, Baby Boomer friends and family with the same help we've given you. 

Retirees and pre-retirees, especially, want to make sure they can navigate market volatility, protect what they have and make sure they get to - and stay in - retirement.  So our focus when working with this group is to provide them the clarity and reasonable assurance that their plan will get them there...maybe you can relate!

We've found a personal introduction is the best way to connect us with your loved ones.  To make an introduction, you may:

1. Reach us via e-mail:

2. Give us a call: 262-230-1095

3. Or use our dedicated referral link:

We promise you that we will treat them with the same care and consideration we've shown you.

Aloe Vera: One Powerful Plant

Aloe vera is one of those medicinal plants that can be used for almost everything. It is a cactus-type plant that grows well in many climates and has thick, juicy leaves that store water. Because of this, aloe vera is loved for its hydrating properties. Let's look at some of the many benefits of aloe and how you can include it in your daily routine.

The thick, sticky gel that is in aloe leaves has some powerful bioactive compounds, including vitamins, minerals, amino acids, and antioxidants.

Aloe vera is also known for its healing properties. It may help heal wounds and treat skin problems with its antibacterial, antiviral, and antiseptic properties. Also, it can be used as a topical treatment for first and second-degree burns.

Lastly, aloe vera might also help lower blood sugar levels by enhancing insulin sensitivity and improving blood sugar management. There has been some preliminary evidence that aloe vera may have benefits for people with prediabetes or type 2 diabetes.

Tip adapted from Medical News Today11

Help us Spread the Word!

1.  Please share this newsletter via email with your friends and family.

2.  Connect with me on Linkedin. Or if we’re already connected, please Like, Comment or Share our posts with your networks.

Until next time, please stay healthy and be Blessed.

Chad and Nicole Albano

Investing involves risks, and investment decisions should be based on your own goals, time horizon, and tolerance for risk. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost.

The S&P 500 Composite Index is an unmanaged group of securities considered to be representative of the stock market in general. The Nasdaq Composite is an index of the common stocks and similar securities listed on the Nasdaq stock market and considered a broad indicator of the performance of stocks of technology and growth companies.

The market value of a bond will fluctuate with changes in interest rates. As rates rise, the value of existing bonds typically falls. If an investor sells a bond before maturity, it may be worth more or less than the initial purchase price. By holding a bond to maturity, an investor will receive the interest payments due plus your original principal, barring default by the issuer. Investments seeking to achieve higher yields also involve a higher degree of risk.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite, LLC, is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.

Chadwick Albano

(262) 230-1095

Global View Capital Advisors
Executive Director


Global View Capital Management is an SEC Registered Investment Advisor. Corporate Headquarters: N14W23833 Stone Ridge Drive, Suite 350, Waukesha, WI 53188  |  262.650.1030.

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Waukesha, WI 53188