Whenever a client approaches a distribution phase (when they will being to draw from investments versus adding to investments), I always start with the simplest goal first (and we can build from there). What do you wish to spend each year to live the life you want to live? This determines the needed withdrawal rate […]

If you stopped checking your investment portfolio in March (after seemingly constant down days), it’s safe to log back in and take a look. Just today, major US equity indexes hit new all-time highs intraday, erasing the losses experienced just weeks ago. Equity investors seem comfortable looking past the ongoing/yet to be resolved conflict in […]

Fears mounted heading into the long Easter weekend as President Trump placed an ultimatum on Iran that would have had dire humanitarian and global consequences if acted upon. At the last minute, a ceasefire was announced Tuesday night and markets sharply rebounded Wednesday, making up almost all of the declines since the conflict began. (Ironically […]

If you have a negative reaction to any form of debt, you are certainly not alone. And I would argue this automatic reaction is usually more favorable than the opposite inclination to take on debt at any price and in any situation (danger!) However, there can be certain instances where debt is a useful tool […]

It’s no secret that I have a lot of respect and admiration for Warren Buffett. His investing track record is enough to make him worthy of immense admiration but beyond that, I admire the way he thinks and talks about investing. It’s simple, to the point, laced with humor, and usually rather accurate! When markets […]

As an adult, there are a few things that never seem to reach an end but rather continue on an indefinite loop. Can we all agree that taxes are one of those things? A client recently finished their 2025 taxes and immediately had questions regarding what needs to be done for 2026. Honestly, it’s an […]

As the Iran conflict continues, the discussion concerning oil prices has been constant. This is for good reason and a client asked why the equity market seems to move in the opposite direction of oil prices. As we’ve written about in past weeks, given the location of Iran near the Strait of Hormuz (where a […]

As NCAA March Madness gets underway, investors are facing some unwelcome “market madness.” As of the writing of this post, the S&P 500 is at its lowest level since November 2025, oil prices are rising, and interest rates are also trending higher as hopes of a rate cut and low inflation fade. What happened this […]

Just when I thought I had heard every market acronym and investing jargon there was, I learned a new one this week – Kangaroo Market. A Kangaroo market is defined as “a highly volatile, non-trending financial market characterized by rapid, sharp, and erratic price movements that bounce up and down without a clear, sustained direction.” […]

There has been a lot of news coverage concerning private credit in recent weeks, prompting a client to ask what is happening with this asset class. What is private credit? If you think about a company borrowing money/taking out a loan (ie: credit), you likely think first of them obtaining those funds from a bank. […]