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Tom Meaglia, ChFC®, AEP®,

CLU®, CRPC®, MSFS

Chartered Financial Consultant

Investment Advisor Representative

Chartered Retirement Planning Counselor

CA Insurance Lic. #0567507

 

Meaglia Financial Consulting

2105 Foothill Blvd., #B140, La Verne, CA 91750

 

Toll Free: 800-386-3700

Bus:         909-593-6105

Cell:         818-681-8600

Fax:         909-593-6120

 

Email: tom@meagliafinancialconsulting.com

Website: www.meagliafinancialconsulting.com

May/June 2025

Investing in Real Estate

Investing in Real Estate

If you're looking for another way to diversify* and grow your wealth, consider some of the most popular avenues in real estate investing.


Rental Properties
The beauty of rental properties lies in their ability to leverage financing. You can purchase a property with a mortgage and then benefit from cash flow and property appreciation over time. Just keep an eye on property management. Whether you manage it yourself or hire a firm, success often hinges on effective management.


Real Estate Investment Trusts (REITs)
REITs** may be attractive if you want real estate exposure without the headaches of direct ownership. A REIT owns, operates, or finances income-generating real estate across various property sectors. By investing in a REIT, you can enjoy regular income from dividends, as they must distribute at least 90% of their taxable income to shareholders. This is especially appealing if you want diversification* and liquidity, as REITs are traded on stock exchanges.


Real Estate Limited Partnerships (RELPs)
A limited partnership in real estate may appeal to you if you wish to take on a more active investment approach without being wholly responsible for property management. In this structure, you become a limited partner, contributing capital alongside a general partner who manages the investment. This arrangement may provide substantial returns, especially if the properties appreciate significantly. But know that while your liability is limited to your investment amount, you'll need to trust the general partner to make sound investment decisions.


Real Estate Mutual Funds
These funds invest in various real estate securities, including REITs and direct property investments. They provide an opportunity to hedge against specific sector risks and still engage in real estate without needing extensive knowledge or capital. It's a simple way to gain exposure to real estate while benefiting from the collective expertise of fund managers.


Exchange Traded Funds (ETFs)
Like mutual funds, ETFs are composed of different real estate stocks and REITs, but they trade on stock exchanges like individual stocks. This means they're more liquid and generally have lower fees. ETFs can be a strategic option for someone looking to diversify easily and flexibly. Each option has pros and cons, so consider your financial goals, risk tolerance, and involvement level before committing. Consult your financial professional to strategize the best approach for your unique situation.


*Diversification cannot eliminate the risk of investment losses. Any type of real estate investment can result in a loss of principal.
**Read the mutual fund ETF, REIT, or RELP prospectus or agreement and consider the investment objectives, risks, charges, and expenses before investing. Because the values of these investments fluctuate, redeemed shares or sale proceeds may be worth more or less than their investment. Past performance won't guarantee future results.


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Thomas Meaglia is an Investment Adviser Representative of Coppell Advisory Solutions LLC, dba, Fusion Capital Management, a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
Insurance and annuity products are not sold through Fusion Capital Management. Fusion does not endorse any annuity or insurance product, nor does it guarantee any insurance or annuity performance. Annuity and life insurance guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation for these transactions. These commissions are separate and distinct from Fusion's investment advisory fees.
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