It’s been about ten months since I started writing these weekly letters to all of you. During most of that time, we have talked at length about the “after shocks” of COVID and the related government stimulus, focusing largely on inflation and the resulting rapid rise in interest rates to offset it. We have talked […]

Given the events of the past week, it’s natural that people are reevaluating their own cash management strategies. Chief among the questions I heard from clients this week is whether their money is “safe” at the bank. Let’s review the basis of bank deposits and the potential guarantees of those funds. What happens to money […]

It’s been yet another tumultuous week in markets. What caused the downward momentum this week? While one can never be certain, market prognosticators have largely pointed to Fed Chair Jay Powell’s comments in front of Congress, as well concerns over job market strength (non-farm payrolls will be released the day after I publish this). Weeks […]

I worked with two clients this week that had a set amount of cash to deploy to longer-term savings & investment accounts. Their question – what accounts should I allocate this to – and how much in each? It can be definitely be challenging to figure out your savings strategy and like most things in […]

Every year, legendary investor Warren Buffett pens a letter to shareholders that accompanies Berkshire Hathaway’s annual report. It’s a must-read in my opinion and while this year’s was a bit shorter than in prior years, it still contained plenty of insightful learnings. I highly encourage you to read the full letter for yourself. Below I’m […]

Interest rates have never been such a hot topic of conversation! It seems you can’t turn on the news or talk to your friends lately without someone bringing up interest rates (did you see what you can earn on cash? look at how much mortgage rates have gone up! should I just buy the 2-year […]

Tis the season – time to get everything together for your 2022 tax return! Whether you prepare your own taxes or work with a tax advisor, the hardest part for many can be the gathering of the information and records. I’ve been helping a few clients make strides in this area in recent weeks. I […]

As most of you know, my sweet dog Maple is one of the best parts of my life. We love adventuring together in local parks and when it’s safe to do so, I let her off her leash to explore. I was listening to a presentation on dog training earlier this week and they discussed […]

A client reached out this week to discuss ways she could best help a family member financially. She was curious what the implications were if she gifted the funds versus setting up a loan. I thought it was a great topic to share more broadly, so let’s dive in. Start with your intentions Before you […]

We all know the fairy tale of the wandering girl who stumbles into the home of three bears and tastes the bowls of porridge trying to find one that is the perfect temperature. This “too hot, too cold, just right” parable has been told to countless children over the generations and has also served as […]