{"id":11448,"date":"2023-10-20T06:00:47","date_gmt":"2023-10-20T11:00:47","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=11448"},"modified":"2023-10-18T11:27:13","modified_gmt":"2023-10-18T16:27:13","slug":"banking-crisis-protect-your-cash","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/banking-crisis-protect-your-cash\/","title":{"rendered":"Protecting Your Cash in a Banking Crisis"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11448\" class=\"elementor elementor-11448\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-16b1117f elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"16b1117f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56b99beb ae-bg-gallery-type-default\" data-id=\"56b99beb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a12c982 elementor-widget elementor-widget-heading\" data-id=\"1a12c982\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Learn how to best optimize your assets in this uncertain environment <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-4712f3e4 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"4712f3e4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4bc3abb9 ae-bg-gallery-type-default\" data-id=\"4bc3abb9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20c43de2 elementor-widget elementor-widget-text-editor\" data-id=\"20c43de2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Key takeaways<\/strong><\/p><ul><li>\u00a0The underlying factors in today&#8217;s financial environment are different than of 2007.\u00a0<\/li><li><p>Eliminating interest income and zero-free trading from the bank&#8217;s equations has forced them to search for alternative,\u00a0 potentially risky income streams.<\/p><\/li><li><p>Employing investment strategies that will protect your money starts with understanding the limits of FDIC insurance.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-7c418683 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"7c418683\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1639ceb5 ae-bg-gallery-type-default\" data-id=\"1639ceb5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bec472 elementor-widget elementor-widget-text-editor\" data-id=\"2bec472\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Earlier this year, we witnessed the second largest bank failure in U.S. history along with three additional mid-sized U. S. Bank failures trigger fears of a widespread bank crisis. Many feared that First Republic Bank, Silicon Valley Bank, Silvergate Bank, and Signature Bank were just the first dominoes to fall, and a global bank contagion would cause many more to follow.<\/p><p>Thankfully, that scenario did not play out, as the government took extraordinary measures to mitigate the fallout across the banking sector.<\/p><p>Questions about the health of the banking system continue to loom. Are banks still in crisis? Are we setting up for another catastrophic failure like 2007-2008? How is the Moody\u2019s downgrade affecting the world\u2019s confidence in the U.S. banking system?<\/p><p>To address these questions and more, we\u2019ve asked <a href=\"https:\/\/www.smhgroup.com\/archives\/bio\/erick-g-r-kuebler\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">Erick Kuebler<\/span><\/a>, president of brokerage and advisory firm <a href=\"https:\/\/www.smhgroup.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">Sanders Morris Harris<\/span><\/a> (SMH Group), to weigh in on the health of the banking system as it stands and what might happen next in these turbulent times.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-4ba13db6 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"4ba13db6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19434dc9 blue-box ae-bg-gallery-type-default\" data-id=\"19434dc9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78dc5c7e elementor-widget elementor-widget-text-editor\" data-id=\"78dc5c7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cFirst of all, I think we can take a deep breath,\u201d Erick said. \u201cThis is not 2007. The underlying factors then versus now are very different. Barring some unforeseen global anomaly, I\u2019m not anticipating a repeat run of bank failures and bailouts that sent the country into The Great Recession.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-6908c728 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"6908c728\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6d558944 ae-bg-gallery-type-default\" data-id=\"6d558944\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7469bde3 elementor-widget elementor-widget-text-editor\" data-id=\"7469bde3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>That\u2019s not to say the banking system is completely out of the woods, stresses Erick, as this current bank uncertainty is unfolding against the backdrop of some very unique economic dynamics.<\/p><p>For one, the unprecedented fiscal stimulus packages and monetary easing during the COVID pandemic helped prevent an economic collapse. Still, the low-interest-rate environment resulting from these policies has put immense pressure on bank profitability.<\/p><p>Steady sources of revenue like interest income have dwindled, and zero-fee trading has knocked down another important revenue stream. This has forced banks to search for alternative\u2014and potentially risky\u2014income streams and higher returns.<\/p><p>On a positive note, no bank has failed since the three back in March\u2014a sign that has Erick feeling cautiously optimistic going into 2024.<\/p><p>\u201cWe are closer to the end of interest rate hikes than the beginning, which is going to be a huge step in stabilizing the banking system,\u201d says Erick. \u201cMore importantly, the U.S. banking system is still the strongest financial system in the world. We are still the world\u2019s reserve currency.\u201d<\/p><p>Regarding the Moody\u2019s downgrade, Erick sees it as more of a psychological hurdle, noting that even with the downgrade, U.S. treasuries are still the safest investment in the world.<\/p><p>\u201cIf you look at it globally, people talk about the rise of crypto and Bitcoin, the fall of the U.S. dollar and the fall of the financial system, but what they\u2019re often missing is that to have a common currency, you have to have a common debt and a common equity in that currency,\u201d says Erick. \u201cCrypto has a\u00a0<a href=\"https:\/\/en.wikipedia.org\/wiki\/Stablecoin\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">stablecoin<\/span><\/a>, but there\u2019s no debt backing it that has the full faith of a government.\u201d<\/p><p>Even the euro doesn\u2019t enjoy the common debt of a single government backing it, as you have different countries carrying the debt of a common currency, adds Erick.<\/p><p>\u201cThe U.S. is the biggest to offer a common currency and common debt. Everything is paid with the dollar, which should give people confidence going forward that our banking system is still strong.\u201d<\/p><h5><strong>PROTECTING YOUR ASSETS<\/strong><\/h5><p>Regardless of the current banking situation, Erick says investors should always be vigilant in employing investment strategies that will protect their money, and that starts with understanding the limits of FDIC insurance.<\/p><p><strong>Single Accounts<\/strong> \u2013 Deposits held in a single account under one person&#8217;s name are insured up to $250,000. This includes checking accounts, savings accounts, and CDs.<\/p><p><strong>Joint Accounts<\/strong> \u2013 Deposits in joint accounts with two or more people are insured up to $250,000 per co-owner. Each co-owner&#8217;s share of the account is separately insured.<\/p><p><strong>IRAs and Other Retirement Accounts<\/strong> \u2013 The Securities Investor Protection Corporation (SIPC) protects investors up to $500,000, including up to $250,000 for cash.<\/p><p>Erick says it&#8217;s important to note that these insurance limits apply to the total deposits you have at a single financial institution. If you have accounts at different banks or credit unions, each institution will have its own separate coverage limit.<\/p><p>\u201cInvestors who are holding more than $250,000 in cash should <a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/excess-cash-management-strategy\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">diversify their investments<\/span><\/a> across multiple institutions so they are under that $250,000 threshold for each account,\u201d counsels Erick.<\/p><p>While he gravitates towards floating rate insured municipal paper, money markets backed by treasuries and treasury bonds in this current climate, he says there is no one-size-fits-all investment strategy for every investor. A goal-based strategy designed to optimize and protect your investment is always the best plan, which is where consulting with a trusted financial advisor comes into play.<\/p><p>\u201cMost people see a bank offering a great rate, and that\u2019s where they move their money,\u201d says Erick. \u201cBut what is that money market or CD invested in? A good financial advisor will do the legwork to make sure your money is not only being optimized but also protected.\u201d<\/p><p>\u201cThe thing I love about partnering with <a href=\"https:\/\/www.cainwatters.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">CWA<\/span><\/a> is that we can give clients a full 360-investment approach, including optimizing tax strategies, designing a diversified portfolio\u2014even some excellent short-term, no-fee cash investment opportunities through our relationship with <a href=\"https:\/\/t.bank\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">T-Bank<\/span><\/a>.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-5708a967 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"5708a967\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d57109f ae-bg-gallery-type-default\" data-id=\"4d57109f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32915054 elementor-widget elementor-widget-text-editor\" data-id=\"32915054\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re ready to talk about maximizing your cash and protecting your investments during this uncertain time, a CWA advisor is ready to help. <strong><a href=\"https:\/\/www.cainwatters.com\/contact\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">Set up your free consultation<\/span><\/a><\/strong> today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Learn how to best optimize your assets in this uncertain environment Key takeaways \u00a0The underlying factors in today&#8217;s financial environment are different than of 2007. Eliminating interest income and zero-free trading from the bank&#8217;s equations has forced them to search for alternative,\u00a0 potentially risky income streams. Employing investment strategies that will protect your money starts [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":11449,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_ppma_block_editor_authors":""},"categories":[16,41,18],"tags":[],"ppma_author":[48],"class_list":["post-11448","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-financial-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Protecting Your Cash in a Banking Crisis<\/title>\n<meta name=\"description\" content=\"This year&#039;s economic environment has put immense pressure on bank profitability, triggering fears of widespread bank crisis. And with more people wondering just how safe their money is after SVB&#039;s bank run, there is one easy way to ensure your assets are protected.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cainwatters.com\/digitalblogs\/banking-crisis-protect-your-cash\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protecting Your Cash in a Banking Crisis\" \/>\n<meta property=\"og:description\" content=\"This year&#039;s economic environment has put immense pressure on bank profitability, triggering fears of widespread bank crisis. 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