Blog
Communicating Your Retirement Needs
While it’s tempting to financially “coast” in retirement, this is a time that you should pay even more attention. Your 70s offer more financial opportunities (and risks) than ever. Your tip this month: Communicate Being retired...
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A Moment to Reflect
Late spring tends to bring a little more time for reflection. That means thinking about where we've been, what we're building, and the people we're building it for. For us, it's not just the goals and milestones, but also the lives...
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Enjoy Your Valentine's Day
It’s an honor to help you plan for your financial future. Thanks so much for your business!Have a happy Valentine’s Day!
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Build Habits That Protect Your Family’s Legacy
Building wealth is an incredible achievement but preserving it for future generations requires intentional habits. Without structure and foresight, decades of effort can erode quickly due to market risks, taxes, or family conflict.Here...
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Warren Buffett's Parting Wisdom: Patience
Warren Buffett’s quotes have provided clarity during confusion over the years.But his final act speaks louder than any expression. He did nothing.As CEO, Buffett had nearly $400 billion in cash to spend in 2025. But he found no...
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Ready for Medicare Open Enrollment?
Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...
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September 11 - Patriot Day
Much time has passed since the events of September 11, 2001, and while in some ways it feels like a lifetime ago, the memory remains painfully fresh in my mind. An attack on U.S. soil. The loss of thousands of lives. In the wake of...
Read MoreNavigating the 2025 Tax Shift
On July 4, 2025, a major new tax law—the “Make American Workers and Families Thrive Again Act”—was signed into law. This wide-reaching legislation updates many parts of the 2017 Tax Cuts and Jobs Act, which were set to expire at the...
Read MoreLooking Back and Planning Ahead: A Note of Thanks
It’s hard to believe we’re already halfway through the year. Time really does fly, but it’s also a great reminder to look at how far we’ve come. Whether we’ve been working together on long-term goals or just making sure everything...
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Happy Independence Day
Happy 4th of July! Whether you’re celebrating with a cookout, a family gathering, or watching the fireworks with friends, Independence Day reminds us how lucky we all are to belong to this great nation. Enjoy the long weekend and join...
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What's Next for Interest Rates, Inflation?
The Fed’s May meeting was pretty much a humdrum event. Even Fed Chair Powell's post-meeting press conference was uneventful. “We are always going to do the same thing,” he said. “We are going to use our tools to foster maximum...
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Wishing You a Happy Father’s Day
Let’s hear it for the dads, the ones who help us grow, give us guidance, and look out for us in a million different ways. In celebration of Father’s Day, here are some of the ways you can honor the father-figures in your life: Tell...
Read MoreIs Social Security Going to Run Out in Your Lifetime?
We get regular updates on the Social Security trust fund. The Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very grim and...
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No Early-Warning Signs of a Recession
Have you heard the expression, “Watch what people do, not what they say?” That’s important these days when it comes to the economic outlook. Some people are “saying” the word recession like it’s a foregone conclusion. But let’s take a...
Read MoreFearful Markets, Strategic Minds
One of Warren Buffett's famous investing quotes is, "Be fearful when others are greedy and greedy when others are fearful." This wisdom aligns well with his principle: "Rule no. 1: never lose money. Rule no. 2: never forget rule no. 1...
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Take a Timeout from Tariff Talk
When Warren Buffett said, “Be fearful when others are greedy and be greedy when others are fearful,” he wasn’t just talking about investing. He championed contrarian thinking and urged people to capitalize when groupthink can result...
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Super Catch-Ups for 2025
Are you in your early sixties and hoping to make a splash in your retirement strategy? The SECURE Act 2.0 introduced a $11,250 catch-up contribution for those aged 60-63. This “super catch-up” is part of a new tiered catch-up...
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Ways to Engage and Give Back in Retirement
As you enter retirement, you may find yourself with more free time and a desire to make a meaningful impact. While your new financial situation might affect your ability to give monetarily, retirement opens up new possibilities for...
Read MoreNew Retirement Contribution Limits for 2025
The Internal Revenue Service has released new limits for the coming year. Individual Retirement Accounts (IRAs)IRA contribution limits remain unchanged in 2025 at $7,000. Catch-up contributions for those over age 50 also remain at $1...
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How to Manage Market Volatility
The trader's adage goes, “The stock market takes the stairs up and the elevator down.” The saying helps illustrate the speed at which stock prices can move, especially over the last few days. Here's how the recent stock market drop...
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How to Manage Market Volatility
The trader's adage goes, “The stock market takes the stairs up and the elevator down.” The saying helps illustrate the speed at which stock prices can move, especially over the last few days. Here's how the recent stock market drop...
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Happy Independence Day
Happy 4th of July! Whether you’re celebrating with a cookout, a family gathering, or watching the fireworks with friends, Independence Day reminds us how lucky we all are to belong to this great nation. Enjoy the long weekend and join...
Read MoreHow to Be an Olympian
As the Olympic Games are being held this year in Paris, I thought it would be interesting to explore how the Olympians earn their chance at gold, silver, or bronze. It turns out that, just like in the world of finance, the path to the...
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Inflation Buzzword: “Spaving”
Have you seen the grocery store signs that say, “Buy one, get one,” or “Buy one at $4.99, or get four for $2.99 each?” It’s a concept called “spaving,” a time-tested marketing strategy designed to get consumers to spend more–perhaps...
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Honoring the Fallen
Let’s take a moment to reflect, remember and honor all the brave men and women who made the ultimate sacrifice for our country.
Read MoreIs Social Security Going to Run Out in Your Lifetime?
We get regular updates on the Social Security trust fund. In early May, the Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline's tone is very...
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Chag Sameach
This year, as with every year at Passover, we remember the first Exodus from Egypt and reflect on being a part of the diaspora. The Seder concludes with the phrase “L'shanah Haba'ah B'yerushalayim,” meaning “next year in Jerusalem.”...
Read MoreWhat's Happening with the U.S. Money Supply (and What Does it Mean)?
When financial professionals like me start digging into the tools we use to assess financial market valuations, one thing that catches our eye is the U.S. money supply. We look closely at measures like M1 and M2— basically the rock...
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April Is Financial Literacy Month
April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...
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Happy Easter!
Wishing you blessings of hope, peace, and love this Easter.
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The Fed’s Drive to 2% Inflation
Wall Street keeps asking, “When will the Fed start cutting interest rates?” But perhaps the better question is, “What is the Fed looking for before it would consider cutting interest rates?” As you may recall,...
Read More2024's Big Game
As the much-anticipated Super Bowl LVIII draws nearer, I thought sharing some fascinating details about the big event that will have us all on the edge of our seats would be interesting. Let's huddle up and review the stats that make...
Read MoreWe’ll be out of the office
Quick update for you: due to the upcoming holiday, our office will be closed. If you need to get in touch, give us a call or reply to this email, and we’ll set something up for when we’re back in the office. Thanks, and...
Read More2024 Market Outlook | The Fed: From Foe to Friend
Cetera Investment Management is pleased to release its annual Market Outlook for 2024 titled, "The Fed: From Foe to Friend." In this outlook, they discuss how investors could be faced with some market volatility in 2024 with election...
Read MoreNew Retirement Contribution Limits for 2024
The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels. Individual Retirement...
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Thank You Veterans!
With deepest gratitude to our American soldiers past and present. Thank you to all those who have served our country!
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You’re Invited: IN THE ROOM with Dr. Jeremy Siegel
You’re invited to an exclusive conversation with Jeremy Siegel, professor, writer, Senior Economist with Wisdom Tree, and renowned expert on the economy and financial markets. Siegel’s research on the superior value of...
Read MoreDon't Turn Off The Football Game
It’s football season. School is back in session, the days are getting shorter, and the weather is starting to turn. If you sit down to watch your alma mater play, your “to-do” list may grow. Your car may only have...
Read MoreBudgeting for Surprises: Summer Travel Tips
Now that summer is in full swing, it's the perfect time to take a trip. But sometimes, even your best-laid plans go a little off-kilter. Here are a few of the most common travel issues and how to make sure that no matter what happens,...
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Wasn't There Supposed to be a Recession?
In advance of 2023, the recession drum beats were so loud it was deafening. Market pundits warned that as the Fed raised interest rates, it was just a matter of time before the economy entered a recession.But it’s July now, and...
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Understanding Bull and Bear Markets
Fluctuations in the stock market are inevitable, as national and global circumstances are constantly changing. The only thing you can control is your reaction, and how informed you are about trends in the market.What is a Bull Market?A...
Read MoreFDIC Insurance, SVB & Signature Bank
When events like Silicon Valley Bank (SVB) and Signature Bank happen, it's natural to wonder how a bank safeguards your funds. Fortunately, the Federal Deposit Insurance Corporation (FDIC) insurance was designed for this very reason:...
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Don't Watch The Markets Too Closely
One of my favorite Warren Buffett quotes is, “Remember that the stock market is a manic depressive.”What he’s suggesting is that stock prices can sometimes swing wildly from day to day in response to even minor news....
Read MoreCelebrating Black History Month - 2023
The history of the United States is a tapestry embroidered with many cultures. One of the most vivid and complicated historical threads is those belonging to Black Americans. The accomplishments of many individuals, named and unnamed,...
Read MoreInformation to Help Protect Your Financial Well-being
Please read through this information about an ongoing cybercrime called “pig butchering” that is affecting individual investors and their financial advisors. Please note: This email is purely informational and there is no...
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Is the Bear Market Over?
"Is the bear market over?"That's a question I've been asked a number of times in recent weeks. And my answer is the same, "Let's give it a little time."But people are quick to remind me that stocks are off to a good start in 2023,...
Read MoreNew Retirement Contribution Limits for 2023
The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels.Individual Retirement...
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Honoring Native American Heritage Month
This November we celebrate and honor Native American Heritage Month. First authored by Jerry C. Elliot-High Eagle in 1976, the event was announced by President Ronald Reagan in 1986, then expanded from a week to the full month of...
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How the Fed Has Navigated World Events
I’ve always been a little cautious when people say, “it’s different this time.” But the table below suggests the Fed is approaching 2022’s inflation differently than other financial events in recent...
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"Unretiring" To Stay in the Game
Knowing when it’s the right time to retire can be difficult, especially if you love your job. Even professional athletes have a hard time knowing when to walk away!These athletes thought they were ready for retirement but...
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Know These 5 Key Things Before Retirement
Throughout your life, you’ve likely dreamt about what your retirement will look like. There are many possibilities about what you can do with your time, where you can live and what your income and finances will look like.As you...
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Happy Father's Day!
"Dads are most ordinary men turned by love into heroes, adventurers, story-tellers, and singers of songs." - Pam BrownWishing you a relaxing Father's Day!
Read MoreWhen bears are loud, consider this
Some gloomy headlines are coming out of Wall Street lately. Have you noticed?In recent days, I’ve read things like “Brace yourself for economic hurricanes” and “Wall Street investor survey paints a dire outlook...
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Honoring Our American Heroes
With deepest gratitude, we honor our fallen heroes who made the ultimate sacrifice for our freedom.Have a safe weekend and enjoy your time with friends and family.
Read MoreDon't go it alone.
When markets cycle lower like they have been lately, perspective is critical. If you’re not connected to someone with experience, it can be easy to miss the big picture.If you zoom out a bit in history, most investors haven't...
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Happy Labor Day to You!
For many, Labor Day is seen as the end of summer, but it’s an annual national tribute to the contributions that workers have made to the strength, success, and security of our country. Here are some interesting facts about this...
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You’re Invited: IN THE ROOM with Heroes of 9/11
We are living in a pivotal moment of American history, and there’s one word that best sums up our hope and optimism: resiliency.It’s in this spirit that I’d like to invite you and your family to join me IN THE ROOM...
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A 6.1% Bump in Social Security?
The news keeps getting better for Social Security recipients.It's now projected that benefits will increase 6.1% in 2022, up from the 4.7% forecast just two months ago. That would be the most significant increase since 1983.1...
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Conducting Your Mid-Year Financial Checkup
With June officially behind us, it’s time to face the facts: we’re headed toward the second half of 2021. While there’s still plenty of time to enjoy the rest of summer, we encourage you to slow down and check up on...
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Happy Independence Day
Happy 4th of July! Whether you’re celebrating with a cookout, a family gathering, or watching the fireworks with friends, Independence Day reminds us how lucky we all are to belong to this great nation.Enjoy the long weekend and...
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The Fed Acknowledges Inflation
At its June meeting, the Federal Reserve confirmed what many of us have suspected for some time: prices are rising. In fact, prices are climbing faster than many expected. In response, the Fed raised its inflation expectation to 3.4%,...
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You’re Invited: IN THE ROOM with Grammy and Tony Award-Winning Hamilton Star, Leslie Odom, Jr.
On Thursday, June 17, you and your family are invited to join us for an invitation-only conversation and performance with a legend in the making: Leslie Odom, Jr.Get your digital front-row seat as Leslie shares his journey to success...
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Baseball’s 300 Million Dollar Players
The San Diego Padres signed infielder Fernando Tatis, Jr., to a 14-year, $340 million contract roughly one year after the Los Angeles Dodgers inked outfielder Mookie Betts to a 12-year, $365 million deal. That brings the total to 8...
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The Whims of Wall Street
It can be exhausting trying to keep up with the whims of Wall Street.Lately, the financial markets have been fixated on federal taxes and what may be proposed on Capitol Hill in the weeks and months ahead.Wall Street’s focus on...
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Inflation Boogeyman
Inflation has emerged as one of the top financial concerns for investors as they size up the economy for the rest of the year.According to research by Deutsche Bank, Google searches for “inflation” are rising rapidly and...
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You’re Invited: An Exclusive Conversation with Dr. Ben S. Bernanke
You’re invited to an exclusive conversation with former Federal Reserve Chair Dr. Ben S. Bernanke, who helped guide the U.S. economy out of its worst recession of the century. His insights on how the economy can emerge and grow...
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Oil Prices on the Move
At this time last year, it was still unknown that a deadly global pandemic was on the rise, eventually stalling economic growth and sending crude oil prices into negative territory. But recently, oil prices have surged, with crude...
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Janet Yellen Becomes Treasury Secretary
Former Federal Reserve chair Janet L. Yellen was sworn in as the 78th Secretary of the Treasury on January 26, 2021. This was a moment for historical reflection, as Yellen is the first woman confirmed to this vital cabinet position...
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2021 Off to a Fast Start
The first week of 2021 has already had many ups and downs. Just because it’s a new year doesn’t mean that the 2020 issues go away, and so far, 2021 has been no exception to this rule.The markets opened on January 4 and...
Read MoreJanuary Is Financial Wellness Month
January is Financial Wellness Month, a time to remind people to make arrangements for their financial strategy.For me, it’s time for me to connect with new clients and discuss their financial situation and aspirations for their...
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Markets & Marriage
Your investment strategy is a lot like a marriage. One day you may feel like everything’s going swimmingly. The next day, there might be an argument over who forgot to load the dishwasher. And even the best marriages and...
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Election 2020: Be Confident. Be Bold. Be Patient
It should come as no surprise that the economy is the most crucial issue in the upcoming election.But here's something that may surprise you. More than 90% of investors say they plan to change their portfolio in the 12 months...
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Election 2020: A Dose of Patience
The upcoming election is prompting some people to reconsider their investment strategy.In fact, 45% of consumers with $100,000 or more investable assets expect to make changes to their portfolio due to the upcoming 2020 presidential...
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Election 2020: Preparing for Any Outcome
As the U.S. presidential election draws near, expect to see more and more headlines that propose, "What will happen next if this person is elected?" or, "What policy changes to prepare for in the next four years?"In reality, however,...
Read MoreRace For a Vaccine
A U.S. drug company recently said that it’s in late-stage trials for its coronavirus vaccine and reported that it could be given to Americans as early as the end of the year.1 Great news. But it seems like every few days...
Read More30-Year Home Loans Fall to Historical Lows
Lately, it can feel like each day brings a new headline about fluctuating market behavior. But amid the ups and downs of 2020, there may be some potential good news on the horizon. On July 16, 2020, the interest rate for a 30-year...
Read MoreThe Shape of the Recovery
We hope you are enjoying the summer and staying healthy in these trying times. Now that we are officially in a recession, we are looking for clues on how long we will stay in it and what the recovery will look like. The good news is...
Read More401(k) Options After a job loss
Few life events are more stressful than a job loss. If you or someone you know is in this situation due to COVID-19, you’ll likely have several questions about job hunting, unemployment insurance, and health care. You may also be...
Read MoreExtended Care
In your retirement strategy, you’ve likely put a good deal of thought into putting away enough money to enjoy your life, once you’ve put the daily grind in the rearview mirror. Like many, you’ve probably planned for...
Read MoreStimulus Check.
Are you eligible for a stimulus check from the Treasury Department? As of Friday, April 24, the Internal Revenue Service said it had issued 88 million payments to individuals across the country. It plans to send out more than 150...
Read MoreIntroducing a New Way to Connect: AdviceWorks
One of the best ways to help you create a stronger financial future is to ensure you have complete access to your financial picture and make it easier for us to collaborate.To keep you informed and keep us connected, you now have...
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