Creating Richer Lives
357 episodes — Page 3 of 8
The Rules Are There Ain't No Rules
The political landscape has been turbulent lately, accompanied by mixed signals on the economic front. As a result, investor sentiment has been highly volatile, with rapid shifts between aggressive buying and selling. In this episode, Karl Eggerss offers insights on navigating such uncertain times in the market. Topics discussed on this podcast: Election Small Cap Stocks Stock Market Rotation For more information, go to https://www.creatingricherlives.com #captrust @CAPTRUST
Don't Get Duped
When looking for financial advice, have you been told "You need this" or "Read this pamphlet"? Oftentimes, salespeople are disquised as financial advisors pushing products to individuals and couples. Authentic financial advisors give advice and help individuals and couples achieve their financial goals. They don't try to sell products. On this podcast, Karl Eggerss explains what real financial planning should look like and how you can achieve a better retirement without needless products. Topics discussed on this podcast: Life Insurance Insurance Agents Annuities For more information, go to https://www.creatingricherlives.com #captrust @CAPTRUST
The Craziest Thing Just Happened
A weaker than expected inflation report caused one of the largest one day rotations in the stock market in a very long time. Was it really the CPI report that caused it or was the rotation inevitable? On this podcast, Karl Eggerss answer this. Plus, there are several considerations when determining when to claim social security. But, should it be different for high net worth individuals? Topics discuss on this podcast: Inflation Small Cap Stocks ' Stock Market Rotation Social Security For more information, go to https://www.creatingricherlives.com #smallcapstocks #socialsecurity #inflation #stocks #captrust @CAPTRUST
Starting Over: Finding Your Path After Divorce
In "Starting Over: Finding Your Path After Divorce," we explore the emotional, practical, and financial challenges of rebuilding your life after a marriage ends. Join Karl Eggerss as he gives actionable steps to help you navigate this transformative journey. Whether you're dealing with the immediate aftermath, managing your finances, or looking to rediscover yourself and thrive, this podcast offers support, guidance, and inspiration for creating a fulfilling new chapter. Tune in to learn how to heal, grow, manage your money wisely, and embrace the opportunities that lie ahead. Topics discuss on this podcast: Divorce checklist Financial Planning Closed End Bond Funds For more information, go to https://www.creatingricherlives.com #divorce #financialplanning #closedendbondfunds #captrust @CAPTRUST
Opportunities Within Your Tax Return: Maximizing Benefits and Savings
In this episode, Karl Eggerss and his special guest Casey Keller, CFA, delve into the essential strategies for maximizing your tax benefits and saving money. They uncover hidden deductions, credits, and tips that can make a significant impact on your financial health. Whether you're filing as an individual, a business owner, or a freelancer, this episode will equip you with the knowledge to optimize your tax return and ensure you're not leaving money on the table. Topics discuss on this podcast: Tax Returns Tax Planning & Strategy Financial Planning For more information, go to https://www.creatingricherlives.com #incometax #today #listening #captrust @CAPTRUST
I've Got Too Much Money
We all try to get the best return for the least amount of risk. But, why? Is there a goal? It sounds strange, but if you don't have a plan, you could actually end up with too much money. On this podcast, Karl Eggerss explains why with proper planning, you can have intentionality and full optimize every dollar. Topics discuss on this podcast: Net Worth Financial Planning Lifestyle, Legacy, Philanthropy For more information, go to https://www.creatingricherlives.com #today #listening #captrust @CAPTRUST
The Event That Changed My Perspective
While it has been a tough few weeks for Karl Eggerss, it has revealed some lessons. On this episode, Karl shares his experience and why he is modifying his estate plan. In addition, the stock market is starting to narrow and investors may be preparing for an economic slowdown based on their actions. Karl reveals the asset class that is starting to break out. Topics discuss on this podcast: Estate Planning Medical Directives Bonds Economy For more information, go to https://www.creatingricherlives.com #estateplanning #medicaldirectives #today #listening #captrust @CAPTRUST
Did the Stock Market Break?
It's not the first time it has happened, But, this week, there was another flash crash. Originally blamed on the volatility in some of the meme stocks, it was later revealed a software glitch caused some well known stocks to drop more than 99% in just seconds. On this podcast, Karl Eggerss explains what happened and how it was resolved. Plus, a new stock exchange is coming to the lone star state. Topics discuss on this podcast: Meme stocks Flash Crash Texas Stock Exchange Economy For more information, go to https://www.creatingricherlives.com #memestocks #texasstockexchange #today #listening #captrust @CAPTRUST
Check These Items on Your Tax Return
Do you get your taxes prepared each year, just sign your return, and file it away? When was the last time you actually looked through it to check for mistakes? Or considered if the return offers insights to optimize your financial situation? In this episode, Karl Eggerss is joined by Fred Sloan, CFA. Fred is a principal and financial advisor at CAPTRUST in the Lake Success, NY office, with a wealth of experience in wealth management and tax analysis. Fred will share the top 10 items he examines on a tax return to gain valuable insights. This podcast will guide you through understanding your own return in an effort to optimize your financial situation. Topics discuss on this podcast: Income Tax Tax Returns Tax Planning For more information, go to https://www.creatingricherlives.com #incometax #taxes #today #listening #captrust @CAPTRUST
Should Investors Fear the Election?
While some investors are fearing the election, you wouldn't know it by their actions. The Dow Jones passed 40,000 for the first time ever this week and stocks continue to make new highs. On this episode, Karl Eggerss explains what's moving stocks and whether it will last. Topics discuss on this podcast: Election Stocks Inflation Meme Stocks For more information, go to https://www.creatingricherlives.com #election #stocks #today #listening #captrust @CAPTRUST
The Cons and Cons of Day Trading
Day trading has been around for decades. But, with technology and social media, many investors have pondered whether they should be day trading. On this podcast, Karl Eggerss examines whether day trading makes sense. Spoiler alert. It doesn't. Karl will also give you the real reason you hear about it so much. Topics discuss on this podcast: Day Trading Investing Financial Literacy Fallacies For more information, go to https://www.creatingricherlives.com #daytrading #investing #financialliteracy #today #listening #captrust @CAPTRUST
But Why?
While this podcast is almost 15 years old, there are listeners that may not know the origin of the podcast or the host, Karl Eggerss. On this episode, Karl explains what made him get into the industry in the first place, how he started the podcast, and why he's so passionate about teaching. Topics discuss on this podcast: Education Financial Literacy Career Path For more information, go to https://www.creatingricherlives.com #education #financialliteracy #careerpath #today #listening #captrust @CAPTRUST
Too Early or Too Late to Buy or Sell?
While April has been bumpy for the stock market, it hasn't given investors a clear sign in either direction whether to buy or sell, depending on the investor's situation. On this podcast, Karl Eggerss gives an update on the current environment and how he's managing portfolios. Topics discuss on this podcast: Buying and selling stocks Election Federal Reserve Tax Returns For more information, go to https://www.creatingricherlives.com #stocks #election #federalreserve #today #listening #captrust @CAPTRUST
What's Your Number?
Many individuals are looking for a number. What's the number? It's a value of their overall portfolio they feel they need to get to in order to retire comfortably. Does that number exist? On this podcast, Karl Eggerss explains that while there is a number, that number can and will change over time. Karl gives some items to consider in order build a comprehensive financial plan that will help achieve a more comfortable retirement. Topics discuss on this podcast: Financial Planning Retirement The Retirement Number Geopolitical Risk For more information, go to https://www.creatingricherlives.com #financialplanning #retirement #retirementplanning #today #listening #captrust @CAPTRUST
Can You Overdo It?
On this episode, Karl Eggerss explains one of the best ways to be a successful investor. But, this investing technique can be overdone. Are you guilty? You'll find out on this podcast. Topics discuss on this podcast: Investing Federal Reserve Interest Rates Rebalancing For more information, go to https://www.creatingricherlives.com #investing #rebalancing #today #listening #captrust @CAPTRUST
Did Something Just Change?
Due to some recent stronger than expected economic reports, there are some sectors and asset classes that are starting to shine. On this podcast, Karl Eggerss explains which ones they are and if there is a sea change happening. Plus, is your portfolio prepared for the next several months and not the previous several months? Topics discuss on this podcast: Gold Energy Stock Rotation Portfolio Allocation For more information, go to https://www.creatingricherlives.com #gold #stocks #rotation #today #listening #captrust @CAPTRUST
Should You Convert?
A recent listener suggestion sparked a conversation between Casey Keller, CFA and Karl Eggerss. The topic is Roth IRA conversions. On this podcast, Karl & Casey break down the pros and cons of converting and whether it makes sense to pay taxes now to avoid paying taxes later. The goal is building wealth and this podcast is full of information on ways to try and achieve greater wealth, potentially through Roth conversions. Topics discuss on this podcast: Roth IRA Roth Conversion Taxes Retirement Planning For more information, go to https://www.creatingricherlives.com #rothira #rothconversion #taxes #today #listening #captrust @CAPTRUST
Did This One Thing Extend the Bull Market?
The bull market continues on and it has many questioning how long it will last. One year ago, an event that seemed bad at the time might have been the catalyst for extending the bull run. On this podcast, Karl Eggerss explains what it was and how to navigate the current environment. Topics discuss on this podcast: Federal Reserve Banking Crisis M2 For more information, go to https://www.creatingricherlives.com #M2 #bankingcrisis #today #listening #captrust @CAPTRUST
Is Stagflation Next?
One of the worst combinations is when an economy is experiencing too much inflation and at the same time an economic slowdown. While it isn't here yet, Karl Eggerss explains why stagflation is something to potentially worry about. Plus, most advisors have very little exposure to gold. Should they? Topics discuss on this podcast: Inflation Stagflation Retail Sales Economy Gold For more information, go to https://www.creatingricherlives.com #inflation #stagflation #gold #today #listening #captrust @CAPTRUST
An All-Time Record High
While there have been many technology companies reaching new highs recently, there are other asset classes also reaching new highs. It's been a while since these areas have shown this much strength. On this podcast, Karl Eggerss reveals the specifics. Topics discuss on this podcast: Bull Market Market Rotation Bank Failures Federal Reserve For more information, go to https://www.creatingricherlives.com #bullmarket #today #listening #captrust @CAPTRUST
The Greatest Investor of All Time
Imagine combining all the traits of the best investors of all-time and using those traits to your advantage. But, what are those traits? On this #podcast, Karl Eggerss welcomes guest Casey Keller, CFA to give us the answers and help you become a better investor. Topics discuss on this podcast: Investing Legends Behavioral Finance Stock Market For more information, go to https://www.creatingricherlives.com #stocks #investinglegeneds #behavioralfinance #today #listening #captrust @CAPTRUST
What If?
Imagine your stocks not going up for 35 years. This is what investors in another country have experienced. Could it happen in the United States? On this podcast, Karl answers this question. Plus, is it possible to time the stock market? Tune in for the answer. Topis discuss on this podcast: Timing the Market Buy and Hold Artificial Intelligence For more information, go to https://www.creatingricherlives.com #stocks #timingthemarket #buyandhold #today #listening #captrust @CAPTRUST
The 5 Biggest Investing Mistakes
It's been said that to win championships, one needs a good defense more than a good offense. It might be the same when it comes to investing. Eliminating mistakes as an investor can likely improve long-term results. Topics discussed on this podcast: Investing Mistakes Stocks Diversification Successful Investing Get the list of 5 on this #podcast. For more information, go to https://www.creatingricherlives.com #investingmistakes #investing #investments #today #listening #captrust @CAPTRUST
Why Invest in International Stocks?
It's no secret that international stocks have underperformed U.S. stocks for quite a while. This begs the question as to whether or not international stocks are even needed in a portfolio. Why have they underperformed? Will they keep underperforming? Karl Eggerss answers these questions on this #podcast. Topics discussed on this podcast: International Investing Stocks Diversification Interest Rates For more information, go to https://www.creatingricherlives.com #internationalinvesting #internationalstocks #today #listening #captrust @CAPTRUST
What's Your Risk Management Strategy?
While there are several signs of a strong economy, there are just as many indicators pointing towards a potential recession. This combination creates a very confusing environment for investors. On this podcast, Karl Eggerss explains why investors need a balanced portfolio with a risk management strategy. Topics discussed on this podcast: Risk Management Jobs Recession Federal Reserve For more information, go to https://www.creatingricherlives.com #riskmanagement #today #listening #captrust @CAPTRUST
What Is A Family Office?
You might have heard of the term "Family Office". On this episode, Karl Eggerss welcomes guest Justin Pawl, CFA, CFP to break down the meaning and what services CAPTRUST offers in this space. Whether you need a "Family Office" or not, you will likely face several tasks that need to be addressed when it comes to your financial picture. Topics discussed on this podcast: Family Office Estate Planning Generational Wealth Legacy Planning For more information, go to https://www.creatingricherlives.com #familyoffice #today #listening #captrust @CAPTRUST
Renewable Energy Explained
There has been much debate in our country about our future energy needs and the best way to fulfill those needs. Money and politics have been two key contributors to the debate. On this special podcast, Karl Eggerss welcomes Miles Murray, a Sustainability Tech Entrepreneur. He's currently the CEO of LOCOAL and has a new startup called Windchaser. Miles explains the differences between wind and solar, some of the obstacles, and the new solutions he and his company have come up with in this ever changing energy landscape. Topics discussed on this podcast: Renewable Energy Wind Solar Battery Technology For more information, go to https://www.creatingricherlives.com #wind #solar #technology #renewableenergy #today #listening #captrust @CAPTRUST
Longevity Planning
We're all getting older and as we age, it's extremely important to have plans for what life might look like in the future. On this podcast, Karl Eggerss discusses the aging process and some things to consider from a financial planning standpoint. Also on this episode, inflation is coming down, but perhaps not fast enough for Wall Street. Topics discussed on this podcast: Longevity Planning Elder Care Inflation Federal Reserve For more information, go to https://www.creatingricherlives.com #longevityplanning #today #listening #captrust @CAPTRUST
The Great Reset
On this week's podcast, Karl Eggerss discusses "The Great Reset". What is it? What is it's origin? How does it affect you? How does it affect your portfolio? Karl will answer all of this on this episode. Plus, stocks and bonds started off the year on a sour note. Should you be concerned? Topics discussed on this podcast: The Great Reset Federal Reserve Interest Rates Stocks Bonds For more information, go to https://www.creatingricherlives.com #TheGreatReset #today #listening #captrust @CAPTRUST
This Could Cost You $500 Per Day
For LLCs and some other entities, a new reporting requirement is about to go into effect. The penalties for not reporting annually are stiff. On this podcast, Karl Eggerss welcomes Oliver Norman, CFP®, ChFC®, CLU®, CDFA. Oliver breaks down the new rule and some key facts. Also on this episode, Karl & Oliver break down other tax changes that will likely affect you in 2024. Topics discussed on this podcast: Beneficial Ownership LLCs Income Tax Changes 2024 Financial Organization For more information, go to https://www.creatingricherlives.com #beneficialownership #llc #financialorganization #today #listening #captrust @CAPTRUST
The Perfect Environment for Stocks
The "everything rally" continued this week with several asset classes rising as 2023 is close to coming to an end. In fact, the Dow Jones hit an all-time high this week along with several stock indices around the world. The Federal Reserve pivoted, and investors loved it. Karl Eggerss explains why this is a goldilocks period for Wall Street. But, will it last? Topics discussed on this podcast: Stock Market Rally Negative News Interest Rates Federal Reserve For more information, go to https://www.creatingricherlives.com #stockmarket #rally #interestrates #today #listening #captrust @CAPTRUST
Which Method for Buying and Selling Stocks Works Best?
Stocks can be bought and sold using several different methods. Some use technical analysis. Some use fundamental analysis. Which one is better? On this episode, Karl Eggerss explains how each method works and ultimately how he decides when to buy and sell various stocks. Topics discussed on this podcast: Fundamental Analysis Technical Analysis Investments December Rally Bitcoin For more information, go to https://www.creatingricherlives.com #fundamentalanalysis #technicalanalysis #decemberrally #bitcoin #today #listening #captrust @CAPTRUST
Who Do You Think You Are?
When the stock market is fluctating, it oftentimes means our emotions are fluctating as well. On this podcast, Karl Eggerss discusses how to handle the emotional swings of being an investor. If you neglect those feelings, it could lead to a bad financial outcome. What type of investor are you? Topics discussed on this podcast: Behavioral Finance Emotional Investing Charlie Munger Volatility Index Santa Claus Rally For more information, go to https://www.creatingricherlives.com #behavioralfinance #charliemunger #santaclauserally #today #listening @CAPTRUST
Year End Strategies for W-2 Employees
As a W-2 employee, sometimes you may feel there aren't a lot of tax strategies available to you. However, that's not necessarily the case. On this podcast, Karl Eggerss gives several ways you can potentially save on your taxes. As the end of the year is approaching, this is the time to take action. Topics discussed on this podcast: Taxes W-2 Employees Charity Retirement Planning For more information, go to https://www.creatingricherlives.com #W-2 #taxes #charity #saving #retirementplanning #today #listening @CAPTRUST
Is This The Best Thing That Could Have Happened?
The financial markets rocketed higher during the week because inflation is coming down at a fast rate. That sounds good, but what if it continues and ultimately means the economy slows too much? Karl Eggerss explains how to navigate a changing economy. Also on this podcast, there are numerous conflicts of interest in the financial industry. An article was just published naming names with all the details. Topics discussed on this podcast: Inflation Economy Interest Rates Conflicts of Interest "No Golf Ball Rule" For more information, go to https://www.creatingricherlives.com #inflation #economy #conflictsofinterest #investments #today #listening @CAPTRUST
Gifting Strategies in a Challenging Housing Market
With elevated housing prices combined with rapidly rising interest rates, purchasing a home hasn't been this challenging since 1984. This is according to a recent report by Intercontinental Exchange. Because of this, many parents and/or grandparents are wanting to help members of their family get into their first home. On this podcast, Karl welcomes guest Barry Beal, CPWA® to the podcast to discuss various gifting strategies for first time homebuyers. Topics discussed on this podcast: Housing Affordability Legacy Gifting Strategies Mortgages Estate Planning For more information, go to https://www.creatingricherlives.com #housingaffordability #firsthome #mortgage #gifting #today #listening @CAPTRUST
When Bad is Good
The October jobs report was released and it was a worse than expected number. In addition, August and September were revised lower as well. And yet, the stock market soared. Why? Karl Eggerss explains on this podcast. Also on this episode, what does driving your car and exiting off the highway have to do with the economy? Topics discussed on this podcast: Jobs Interest Rates Stock Market Recession For more information, go to https://www.creatingricherlives.com #jobs #recession #stockmarket #investing #today #listening @CAPTRUST
It Must Be Nice
On this episode, Karl Eggerss explains why some people have so much influence that they can simply make a comment or tweet and investors react a certain way. Is it right? Plus, how is your portfolio built? Is there any thought or intentionality or did it just happen? Topics discussed on this podcast: Interest Rates Portfolio Construction Income Real Rates For more information, go to https://www.creatingricherlives.com #portfolioconstruction #investments #income #today #listening @CAPTRUST
Don't Make The Mistake I Did
On this podcast, Karl Eggerss explains how not having a plan could've caused him to have an outcome he didn't want. He walks listeners through the process of building a plan and then executing on it. Plus, interest rates continue to rise and it continues to be a drag on both stocks and bonds. Topics discussed on this podcast: Financial Plan Interest Rates Stocks Bonds Alternative Investments For more information, go to https://www.creatingricherlives.com #financialplan #interestrates #today #listening @CAPTRUST
This Changes Everything...or Does It?
A devastating attack on Israel is the latest reminder that geopolitical risk is one risk among many investors must deal with over their investing life. On this episode, Karl Eggerss explains how to deal with this risk and news events of the day that inevitably cause market volatility. Topics discussed on this podcast: Israel News Risk Management For more information, go to https://www.creatingricherlives.com #Israel #riskmanagement #today #listening @CAPTRUST
Just What The Doctor Ordered?
The Labor Department released the September jobs report on Friday and it was hotter than expected. Initially, stocks sold off as the bears saw it as a potential sign that the Federal Reserve might continue to raise interest rates. But, stocks made a U turn and ended higher after investors digested the data which did also showed lower than expected wage growth. If the economy can add jobs without cuasing more inflation, that would be a goldilox scenario. It's only one report, but the bulls won the day. Topics discussed on this podcast: Jobs Economy Warren Buffett Gamestop For more information, go to https://www.creatingricherlives.com #jobs #warrenbuffett #gamestop #economy #today #listening @CAPTRUST
It's 2022 All Over Again
This week and quarter, the stock and bond markets grabbed the 2022 playbook and repeated it. Rising rates spooked investors along with a potential government shutdown. Karl Eggerss discusses this and why patience and diversification is warranted. Topics discussed on this podcast: Government Shutdown U.S. Dollar Bonds Stocks For more information, go to https://www.creatingricherlives.com #dollar #governmentshutdown #stocks #today #listening @CAPTRUST
Could Higher Oil Prices Help Your Investment Portfolio?
The Federal Reserve left interest rates unchanged this week, but are they close to the end? That is yet to be determined, but perhaps higher oil prices might impact their future decisions. On this podcast, Karl Eggerss discusses the Fed's future path and the impact on the economy and your portfolio. Topics discussed on this podcast: Oil Interest Rates Economy Asset Allocation For more information, go to https://www.creatingricherlives.com #oil #interestrates #economy #investing #today #listening @CAPTRUST
Where to Find Hidden Money
Many retirees struggle with their cash flow and they may not be living their best retirement. On this podcast, Karl Eggerss discuss a place where many retirees may have hidden dollars. There are several techniques to find and use those dollars. Topics discussed on this podcast: Retirement Cash Flow Retirement Planning For more information, go to https://www.creatingricherlives.com #retirement #cashflow #retirementplanning #today #listening @CAPTRUST
Should I Sell My Rental Property?
Many people have rental homes that were acquired in various ways. The question often comes up wehther or not that rental home is a good deal still and should it be kept or sold. It takes a lot of analysis to determine the answer. On this podcast, Karl Eggerss walks listeners through the steps to analyze a property. Topics discussed on this podcast: Real Estate Rental Properties 1031 Exchange Mortgage Rates For more information, go to https://www.creatingricherlives.com #realestate #rentalproperties #1031exchange #mortgagerates #today #listening @CAPTRUST
What's the Deal with Bonds?
Interest rates have skyrocked and because of this, many investors are now curious how to build a bond portfolio in conjunction with other types of income in their accounts. On this episode, Karl Eggerss answers a listener question about bonds and he gives a Bonds 101 session. Topics discussed on this podcast: Bonds Bond portfolio Asset Allocation Income For more information, go to https://www.creatingricherlives.com #bonds #income #assetallocation #today #listening @CAPTRUST
What is the Retail Sector Telling Us?
August has not been friendly to the retail sector. Many are wondering if this is a sign the economy is weakening and on the verge of a recession. On this podcast, Karl Eggerss explains what he sees in the retail sector and the health of the overall economy. Jerome Powell also spoke on Friday and Wall Street was trying to get some insight into the Federal Reserve's next move. Plus, is your car spying on you? Technology is helping the dealership know what's going on with your car, but is this a good thing? Topics discussed on this podcast: Retail Stocks Economy Jerome Powell Mortgage Rates For more information, go to https://www.creatingricherlives.com #retailstocks #jeromepowell #mortgagerates #economy #today #listening @CAPTRUST
This Hasn't Happened in 100 Years
The stock market has pulled back from recent highs as investors digest higher interest rates, a bankruptcy in a Chinese real estate company, and updates on the health of the consumer. In addition, the stock market is entering into a seasonally weak time of the year. On this podcast, Karl Eggerss discusses the state of the financial markets and gives an update on the latest moves by some of the largest investors in the world. Topics discussed on this podcast: Chinese Real Estate Interest Rates Bonds Stocks 13F For more information, go to https://www.creatingricherlives.com #chineserealestate #interestrates #bonds #today #listening @CAPTRUST
Cash is an Option
For well over a decade, interest rates were near 0%. That's not the case anymore. The Federal Reserve raised rates at a rapid rate in 2022 and 2023. This has both positive and negative repercussions. On this podcast, Karl Eggerss explains why and how short-term instruments like money markets are now an option in an investment allocation. In addition, paying off old debt may not be the best move. Topics discussed on this podcast: Money Markets Cash Debt Interest Rates For more information, go to https://www.creatingricherlives.com #moneymarkets #interestrates #cash #debt #today #listening @CAPTRUST
A Systematic Approach to Riskier Investments
Every investor wants the highest returns with the least amount of risk. But, we can't always have that. On this episode, Karl Eggerss discusses a way to build a portfolio that allows for risky investments with the goal of higher returns, while still maintaining the long term plan. Topics discussed on this podcast: Risky Investments Alternatives Stocks Real Estate Portfolio Construction For more information, go to https://www.creatingricherlives.com #riskyinvestments #alternatives #portfolioconstruction #today #listening @CAPTRUST