As new parents, more than anything we want to raise, happy, healthy children. This is the most important and most difficult job we will ever have. It often feels like an experiment as we try different things, not knowing how it will play out 10, 15 or 20 years later. What we know is that [...]
It seems like the scams that are taking place are getting more complex. One such example is the one-ring call that you get from a number you don’t know. The scammer is hoping you’ll call back, because it’s really an international toll number and will appear as a charge on your phone bill — with [...]
Markets Continue to Set Records in the Second Quarter of 2019 Stock markets in the U.S. and mostly around the globe turned in a good second quarter, which when combined with a good first quarter, created fantastic YTD returns for investors. In fact, the returns were historic, especially for the last month of the second [...]
Who doesn’t want to save money? No one! Many of us take medications on a regular basis and trust that our health insurance is providing the best cost for these drugs, especially considering the high premiums we pay, but that is not the case. I recently learned of a way to save money on your [...]
Two years ago this week I started my own firm and became a business owner. I always had an entrepreneur’s mindset and had wanted to be a business owner. I was working for a great firm and had learned a lot there, but I had my own ideas of how I wanted to do things [...]
The reduction in marginal tax brackets that came from the Tax Cuts and Jobs Act passed in 2017 has made it even more advantageous to utilize a Roth IRA conversion. You can convert pre-tax retirement assets at today’s lower marginal rates and never pay income tax again on that money. It can play a significant [...]
Happy New Year! The beginning of the year is a great time to set new intentions, whether it be prioritizing things that are important to you or setting new goals. Reflecting on the previous year and making adjustments for an improved 2019 is a great thing to do, for our personal aspirations and our [...]
As 2019 approaches, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios. For the five-year period ending October 31, 2018, the S&P 500 Index had an annualized return of 11.34% while the MSCI World ex USA Index [...]
Equity markets around the world posted negative returns for 2018. Looking at broad market indices, the US outperformed non-US developed and emerging markets. REIT indices outperformed equity market indices in both the US and non-US developed markets. You can see the full report for 2018 here.
In the fourth quarter of 2018 we saw increased wages, an increase in jobs, and Q3 earnings surge. However, risks such as trade tensions, the Federal Reserve tightening monetary policy and a lack of qualified workers to sustain current growth led to volatility and pullbacks across all markets. Though stocks do not seem overvalued when [...]
