I told someone this week that the days feel more like minutes as of late – time is just going by so quickly. I am sure you can relate so it may surprise you as well to know there are just 42 days left in 2024 (as of the date this is being published). With […]

I worked with two clients this week to help them rebalance their employer plan accounts. Since many of you likely have similar accounts (likely in need of attention), let’s review the process. Employer plan refresher Before diving in, let’s clarify what I mean by “employer-sponsored retirement plan.” These are plans employees are offered by their […]

If you’ve been an investor for one month, one year, or multiple decades, you undoubtedly know that investment decisions are never made up of one single factor. Instead, it’s more reminiscent of a puzzle, with various pieces of disparate sizes coming together to formulate an image. As I look out on the final weeks of […]

If you are an investor with a meaningful amount of your savings in pre-tax retirement accounts (either employer plans like 401ks or Individual Retirement Accounts (IRAs)), you have some to-do’s to consider as you near retirement (which were imbedded in a question I received from a client this week) The reason for this stems from […]

After talking and thinking about the 2024 election for the past year (if not longer), it came to a swift and decisive conclusion this week (well, almost..as this is being written, the House of Representatives vote remains undecided but is trending Republican as well). In an election that split where the popular was relatively split […]

While it may be hard to believe, 2025 will be here in less than two months. It’s as good a time as any to start thinking about cash flow and savings plan for next year. I walked a client thru the recently released retirement contribution limits for 2025. Let’s take a closer look! Every year, […]

“The reports of my death are greatly exaggerated” is a famous Mark Twain quote – perhaps on the US economy would like to borrow for the time being! It was less than a year ago when there was a constant drumbeat of market commentators and financial analysts predicting an imminent recession. They believed inflation would […]

We’re in the strange time of year tax-wise – where you may have just filed 2023 returns, are in the middle of running final forecasts for 2024 taxes, and now – it’s time to think about 2025! Never a dull moment! The 2025 tax brackets were just released and I’ve had a few discussions with […]

During election years, there is always considerable discussion of a potential “October surprise” – meaning a major event that happens in the month before the election that has the potential to sway the vote. If that same term were used for markets specifically, perhaps the largest October surprise for investors has been the rapid rise […]

With less than two weeks to go before the November 2024 election, many clients are feeling a bit anxious. These feelings are understandable as many aspects of our lives can be swayed by the political party that wins the various branches of the US government – including the markets and investments. I wrote a post […]