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 […]

If you have listened to business news in the past 5-10 years, you have undoubtedly heard the term Goldilocks used in more than one instance. (Loyal readers may recall that I wrote a post about her at the end of last year as well!). If you’ve missed her, don’t worry – because she’s back! Media […]

Cash is king – and sometimes, you need access to cash unexpectedly. In a client’s case last week, they found themselves with a great real estate opportunity that involved purchasing a new home in advance of selling their current home. They needed access to cash for a very short period of time (less than a […]

Over the course of the past week, we have received a report on both sides of the Federal Reserve’s dual mandate – the September non-farm payroll report and the September Consumer Price Index Report. Let’s take a look at these reports and what they likely indicate regarding the Fed’s future path Jobs Aplenty Last Friday, […]

I talked with clients this week about 529 plans they set up for their grandchildren. We discussed a few items, including what options exist for excess funds as well as transfer of ownership in the event of their passing before the funds are spent. I have discussed the former in a prior post (you can […]