The Most Important Years of Retirement Are the First Ones Most people spend decades planning how to get to retirement. Far fewer people spend time thinking about what the first few years of retirement will actually look like. In our experience, those early years matter more than many people realize. Retirement plans rarely fail because [...]
For those in their 30s and 40s, the decisions you make now will shape not just when you retire, but how much control you eventually have over your life. A financially successful future is rarely the result of picking the perfect investment. It’s usually the result of consistent saving, thoughtful choices, and maintaining flexibility when [...]
Many people picture retirement as one long, steady chapter of life, a consistent routine supported by a consistent income. In reality, retirement changes significantly over time. The things you want to do, the energy you have, and even the types of expenses you face evolve, and a financially successful retirement depends less on perfect investment [...]
Our belief is that Trump Accounts are likely a great opportunity for those children born after January 1, 2025, who qualify for the free seed money. For other children, and any additional savings beyond the free $1,000, we feel there are better ways to save that provide either additional tax benefit, like 529 College Savings [...]
The second quarter of 2025 presented a dynamic market environment.
The outcome of the Fed's meeting in September was to hold rates at the current level. It has been described as a "hawkish pause," and the Fed was clear in post-meeting remarks and statements that one more increase is still possible in 2023.
Late last year, Congress enacted a new slate of legislature entitled, somewhat unimaginatively, the SECURE 2.0 Act. The intent of this new Act is to increase retirement savings by increasing the various ways to save across the ages.
Review our Q4 2022 and year-end market slides. Included is final Index performance, interest rate info, and long-term perspective of historical returns.
Inflation is dropping, if slowly. Employment is lower, but strong, which is supportive of the economy, and GDP returned to positive. What’s causing the volatility? Many factors are in play, but arguably the largest is the Federal Reserve’s moves on interest rates, and the messaging from Chairman Powell and the Fed Governors.
November Recap and December Outlook We're on the home stretch of a year in which "unprecedented" doesn't even begin to capture it.
