Many years ago when my sister was planning her wedding, she was flooded with advice and thoughts from everyone involved. It was all well intentioned advice but led to her having a moment of exasperation where she proclaimed “everybody has an opinion!” It quickly became a family mantra and one that was bouncing around in […]

Markets are a bit jittery as of late which can translate into jittery investors. I talked to a client this week that was a bit concerned about markets and the potential impact a “market downturn” would have on his portfolio. It ended up being a useful discussion about how to frame asset allocation in terms […]

If you have watched the financial news over the past few weeks or if you happen to be an investor in any software stocks, you are likely aware of this sharp and broad based sell-off in these names. The software segment of the market is down over 30% from its September 2025 peak, marking the […]

I talked with a client last week about something he had overheard in a social situation. He thought it had to do with the need to live in a home for a certain number of years to avoid taxation upon sale – but he wasn’t sure of the specifics. This comment surely dealt with the […]

On Wednesday, we received the January jobs number (that was slightly delayed due to yet another government shut down). Per that report, the US economy added 130,000 jobs in January. This headline number was above analyst expectations, which was all the more surprising given a few soft data releases in recent weeks that had many […]

As we’ve discussed every week thus far in 2026, it has been a wild start to the year as far as markets and the economy are concerned. This is leading to all sorts of new topics coming to the surface. A client asked about one of these subjects this week – Sector Rotation. What are […]

2023: 26% 2024: 25% 2025: 17% – these are the annual returns in the US stock market over the past three years. Historically speaking, these returns are nothing short of exceptional. And yet, if you read or watch any news story over the past few weeks, it is a drumbeat of negativity. Don’t believe me? […]

If you feel as though markets and news are moving at the speed of light lately, you are not alone. Whether it’s the influence of 24/7 financial news, accessibility to news flow at all times (on our phones, watches, computers, etc), the activity from the federal government, other factors, or some combination of the above, […]

The Federal Reserve Bank of the US held the fed funds rate steady at Wednesday’s meeting. The fed funds rate remain at 3.5-3.75%. This was the expectation in the market and as a result, the reaction to the news was relatively muted. Chairman Powell’s commentary focused on two distinct but closely intertwined topics (1) the […]

Ever since 2020, short-term rates have been rather favorable for investors in comparison to history (remember when money market funds paid over 5% – the good old days!) As the effects on the pandemic have subsided on many fronts, the fed funds rate has steadily declined and has taken the market rates on cash savings […]