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banner-09.23.2022

October 25, 2022/by dev5c
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5C Capital Management, LLC

2 weeks ago

5C Capital Management, LLC
SILICON VALLEY BANK: MANAGING CONTAGION IN THE BANKING SECTOROn March 10, 2023 the FDIC was appointed as receiver of Silicon Valley Bank (“SIVB”) based in Santa Clara, California. This is the largest domestic bank failure in more than a decade. How a bank with a $20 billion equity market cap just a month ago, could collapse so quickly is a stark reminder of how relatively rapid interest rate increases may affect an institution that was ill equipped to handle these conditions. Despite the Fed’s widely telegraphed path for interest rates, SIVB held approximately 78% of its portfolio in longer dated US government backed securities, designating these as “Held to Maturity (HTM)”. This meant that although the value of these securities was negatively impacted by rapidly rising rates, they were not “marked to market”. The balance of its portfolio was held as “Available for Sale (AFS)” which requires daily repricing. If the HTM portfolio was marked-to-market on 9/30/22, the loss would have been 1.35x greater than the bank’s tangible common equity. Banking regulators usually refer to a bank in this condition as insolvent.Please read the full article on our website at: 5cwealth.com/silicon-valley-bank-managing-contagion-in-the-banking-sector/Please do not hesitate to contact us at any time with questions at 347.331.0648 or via email at info@5cwealth.com.#capitalmarkets #commercialrealestate #financialadvisor #financialadvice #retirementplanning #retirementsavings #banking #bankingandfinance ... See MoreSee Less

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5C Capital Management, LLC

3 weeks ago

5C Capital Management, LLC
The Secure 2.0 Act of 2022 brings new rules for managing your retirement assets. Check out our website at 5cwealth.com/secure-2-0-act-of-2022-changes-to-retirement-savings-accounts/ for more information on the updated RMD guidelines.Please do not hesitate to contact us at any time with questions at 347.331.0648.#capitalmarkets #commercialrealestate #financialadvisor #financialadvice #retirementplanning #RetirementSavings #retirement ... See MoreSee Less

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5C Capital Management, LLC

3 months ago

5C Capital Management, LLC
WE WISH YOU A PEACEFUL & HEALTHY 2023.We look towards a stronger 2023, although we expect capital markets to experience greater than normal volatility.2022 was marked by considerable challenges – the war in Ukraine, inflation at a 40-year high, and Covid’s re-emergence in China. Mortgage rates increased greater than 100% during the calendar year, testing residential and commercial real estate valuations. Although this pricing and income drag should persist for the near term, we hope that the Fed’s eventual easing will stabilize the market.The Fed Funds target rate is now between 4.25% – 4.5% after last year’s aggressive rate hikes. We expect the fed to raise again on February 1, hopefully very modestly and with strong guidance on a terminal rate. If inflation continues to ebb and unemployment rises, we expect a recession to follow. However, while there is much disagreement on when and how deep the contraction will be, the prevailing opinion is that it will be short-lived.Read the full article online at: 5cwealth.com/5c-capital-markets-update-january-2023/Please do not hesitate to contact us at any time with questions at 347.331.0648. ... See MoreSee Less

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5C Capital Management, LLC

4 months ago

5C Capital Management, LLC
May your Thanksgiving and all the days ahead be filled with happiness, joy and prosperity. We wish you and yours a happy Thanksgiving.The 5C Capital Management Team#Thanksgiving #gratitude #thankyou #thankful ... See MoreSee Less

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5C Capital Management, LLC

4 months ago

5C Capital Management, LLC
As 2022 closes, we take this opportunity to encourage year-end planning for a smoother transition to 2023. We are pleased to provide our financial planning checklist online at: 5cwealth.com/year-end-planning-checklist/Please do not hesitate to contact us with any questions or to schedule a meeting.New York Office:707 Westchester Avenue Suite 210White Plains NY, 10604(347) 331-0648New Jersey Office:50 Tice Boulevard, Suite A32Woodcliff Lake, NJ 07677(201) 474-0987Main phone # (347) 3310648 5cwealth.com/#planning #financialplanning #financialadvisors #financialhealth ... See MoreSee Less

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New York Office: 707 Westchester Avenue, Suite 210, White Plains, NY 10604 I 347.331.0648 I Fax: 347.331.0647

New Jersey Office: 50 Tice Boulevard, Suite A32 Woodcliff Lake, NJ 07677 I 201.474.0987

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