Blog

  • Trever Christian and John Schwalbach, Partners
    January 11, 2023

    As we begin the new year, you have may seen rumblings of financial planning changes related to the new Secure Act 2.0 which was passed with the most recent spending bill. We have received enough questions where it made sense for us to start to disseminate some of our internal […]

  • Trever Christian and John Schwalbach, Partners
    December 12, 2022

    Signs of peaking inflation and the potential for central bank moderation in 2023 pushed equity markets higher in November. Key Observations Risk assets rallied on the back of softening inflation data and “Fed pause” mentality The Federal Reserve reiterated its commitment to combat inflation, but a pivoting tone hinted at […]

  • Trever Christian and John Schwalbach, Partners
    November 30, 2022

    Year-end is fast approaching, with the December holidays just around the corner. While the market malaise may be front-and-center on the minds of many, individuals should not overlook year-end planning opportunities which may provide meaningful benefits. We invite you to skim the topics below to see if any may be […]

  • Trever Christian and John Schwalbach, Partners
    November 10, 2022

    … To Know What You’re Looking For.   Key Observations Equity markets broadly enjoyed a reprieve from September lows, but fixed income and China continue to struggle in the face of a hawkish Fed and investor concerns as President Xi consolidates power. As investors seek answers as to when markets […]

  • Kyle Playford
    Kyle Playford, CFP®
    October 13, 2022

    Does running a marathon have any correlation with being an investor? As a recent marathon finisher, I believe it does. On October 2nd, 2022, I crossed an item off my bucket list while crossing the finish line of the Twin Cities Marathon in St. Paul, Minnesota. The training and discipline […]

  • Trever Christian and John Schwalbach, Partners
    September 15, 2022

    A firm stance on fighting inflation from Jackson Hole pushed markets lower as investors wrestle with the impact on the global economy. Key Observations Markets turned negative for the month following the Jackson Hole Economic Symposium. The Federal Reserve reiterated its commitment to combat inflation “until the job is done.” […]

  • Trever Christian and John Schwalbach, Partners
    August 15, 2022

    Markets eye earnings reports for forward guidance in a challenging environment Key Observations July provided solid respite after a difficult first half of 2022, with investors buying the dip. Investors looked to corporate earnings and guidance to set expectations for the second half of 2022 and beyond, assessing the position […]

  • Trever Christian and John Schwalbach, Partners
    July 26, 2022

    For anyone in need of yet another example of the benefits of routine, consistent saving and investing, this is it. Retirement plan participants who did so accumulated sizable 401k plan account balances in the last decade, according to a new joint study from ICI and the Employee Benefit Research Institute […]

  • Trever Christian and John Schwalbach, Partners
    July 7, 2022

    With inflation hovering near 40-year highs, some investors are looking for alternative ways to weather the storm. For many, a Series I Savings Bond is just the ticket. I Bonds give investors a rate of return plus inflation protection and are backed by the U.S. government. I Bonds are pretty […]

  • Trever Christian and John Schwalbach, Partners
    June 21, 2022

    We recently shared a newsletter with clients titled “Recession vs. Inflation: The Main Event”. The content supported the causes of the S&P 500 approaching bear market territory being ‘severe inflation, and the extent to which the economy might be driven into recession by the Federal Reserve’s somewhat belated efforts to […]

  • Trever Christian and John Schwalbach, Partners
    May 12, 2022

    The primary function of financial journalism seems to be terrifying us out of ever achieving our financial goals by shrieking about the market’s volatility. We’ve been reminded of this almost hourly as the S&P 500 approached “official bear market territory,” defined as closing 20% below its January all-time high. Every […]

  • Trever Christian and John Schwalbach, Partners
    May 3, 2022

    We have been receiving questions regarding Series I Savings Bonds from clients so would like to share this communication to answer FAQs regarding the bonds. What are Series I Savings Bonds? Series I bonds are basically a way to profit from rising inflation. The “I” in Series I bonds stands […]

  • Trever Christian and John Schwalbach, Partners
    April 12, 2022

    According to the calendar, spring is here! Not unlike the weather changes that we’re experiencing, legislative and market changes appear to be following suit. To keep you up to date with the most relevant information, we have highlighted two areas of focus. The first is a brief overview of pending […]

  • Trever Christian and John Schwalbach, Partners
    March 9, 2022

    Key Observations Positive macroeconomic news in early February was overshadowed by Russia’s invasion of Ukraine during the last week of the month. Markets were broadly lower, with real assets being the exception. Economic sanctions on Russia continue to pressure commodity prices and inflation globally which, paired with escalating uncertainty, will […]

  • Trever Christian and John Schwalbach, Partners
    February 25, 2022

    As we share insights on the markets due to the Ukraine and Russia conflict, we do not want to minimize the humanitarian impact of what is happening.  Our thoughts are with everyone affected by this and we hope for a swift and peaceful resolution. At this point, it is impossible […]

  • Trever Christian and John Schwalbach, Partners
    February 17, 2022

    KEY OBSERVATIONS Many markets entered a technical correction (defined as a 10 percent pull back or more) in January as headline inflation reached levels not seen since the 1980s[1] and the Federal Reserve continued to shift its stance, becoming less accommodative. It is worth noting the level and pace of […]

  • Trever Christian and John Schwalbach, Partners
    January 20, 2022

    “The Two Most Powerful Warriors are Patience and Time”     -Leo Tolstoy   We hope everyone is enjoying a terrific start to the new year! First off, we wanted to thank you, our clients and trusted business partners, for your referrals and introductions that led us to the most successful […]

  • Trever Christian and John Schwalbach, Partners
    December 16, 2021

    Recently, there has been an abundance of news circulating, which may be having an impact on financial markets and you. To reduce the number of email we send, we compiled a comprehensive update and will monitor these situations moving forward. Should there be any large financial planning or market impacts, […]

  • Trever Christian and John Schwalbach, Partners
    December 13, 2021

    Year-end planning could prove more challenging for our FFP clients in 2021, given continued uncertainty over tax reform. The social safety net and climate bill known as the “Build Back Better Act” (BBBA) has been tied up in negotiations for months, given competing priorities on when to pass the infrastructure […]

  • Trever Christian and John Schwalbach, Partners
    November 10, 2021

    Equities overcome inflationary pressures and prospects of tighter monetary policy Key Observations Equity markets rebounded in October to new all-time highs. Treasury yields trended higher, leading to modest declines across most fixed income asset classes. US. and global central banks took initial steps toward tightening monetary policy (for historical perspective, […]

  • Trever Christian and John Schwalbach, Partners
    November 8, 2021

    IR-2021-216, November 4, 2021 WASHINGTON — The Internal Revenue Service announced today that the amount individuals can contribute to their 401(k) plans in 2022 has increased to $20,500, up from $19,500 for 2021 and 2020. The IRS today also issued technical guidance regarding all of the cost‑of‑living adjustments affecting dollar […]

  • John S Schwalbach
    John S. Schwalbach, CFP®, CLU, AIF®, CEPA
    September 28, 2021

    We have been receiving a lot of questions here at Freedom Financial regarding China and changes to the regulatory environment. Many of you have been reading articles about the Chinese company, Evergrande, as they navigate a potential debt restructuring. While the situation with Evergrande is still playing out, we wanted […]

  • Trever Christian and John Schwalbach, Partners
    September 15, 2021

    SUMMER RAIN FEEDS THE EQUITY MARKET Key Observations Equity markets largely shrugged off headline risks through the month and posted positive The S&P 500 Index has returned over 20 percent year-to-date The Federal Reserve will likely begin tapering its asset purchase program later this year or early in 2022 with […]

  • Trever Christian and John Schwalbach, Partners
    September 1, 2021

    ‘Normalcy’ Moves Markets Higher, but Concerns Rise Key Observations Many broad market indexes posted positive returns for the month of July with some U.S. indexes hitting all-time highs. However, recent trends favoring the ‘vaccine trade’ areas of the market have reversed for the month with energy taking a step back, […]

  • Trever Christian and John Schwalbach, Partners
    August 25, 2021

    By Lisa P Staron of Murtha Cullina   One of the main purposes of estate planning is to determine who receives your property when you die, and when and how they can access that inheritance. For many families, the answer involves a written plan for the benefit of their children […]

  • Trever Christian and John Schwalbach, Partners
    August 12, 2021

    FAQs Relating to Fiducient Who is Fiducient? Fiducient is an independent consulting firm that provides investment consulting to a select group of firms within our industry. Their focus, similar to Freedom Financial Partners, is to provide conflict free, client first advice. They have no relationships with large financial institutions, custodians […]

  • Trever Christian and John Schwalbach, Partners
    August 12, 2021

    As Freedom Financial Partners (FFP) has rapidly grown over the past few years, we continue to look for resources that allow us to provide a higher level of service to our clients. The bar is extremely high for us as to who we will partner with. We value what we […]

  • Jon Holmgren
    Jon Holmgren, MBA
    July 29, 2021

    We are pleased to announce the promotion of Tambra Ray to Office & Marketing Manager. Since she started with FFP, Tambra has worked tirelessly behind the scenes in a variety of different capacities as the business has grown. Most recently, she has been instrumental in the launch of our newsletter, […]

  • Trever Christian and John Schwalbach, Partners
    July 21, 2021

    Economic recovery, updated vaccine and portfolio considerations Key Observations Financial market returns year-to-date coincide closely with the premise of an expanding global economic recovery. Economic momentum and a robust earnings backdrop have fostered uniformly positive global equity returns while this same strength has been the impetus for elevated interest rates, […]

  • Trever T Christian
    Trever T. Christian, CRPS®, AIF®, PPC
    June 22, 2021

    An analysis of the cryptocurrency’s merits and risks following its recent rally Key Observations Recent returns, greater accessibility and broader backing of Bitcoin have led to broader adoption by investors, custodians and developers. While recent returns, low correlations and significant network growth are promising, significant risks from other cryptocurrencies, regulators […]

  • Trever T Christian
    Trever T. Christian, CRPS®, AIF®, PPC
    June 22, 2021

    Key Observations Global capital markets generally posted modest gains during May with value stocks outpacing their growth counterparts and international markets topping U.S. stocks. Declining interest rates and persistent appetite for yield supported fixed income. Coming off a low base in 2020, U.S. inflation (CPI) jumped noticeably in April. Supply […]

  • John S Schwalbach
    John S. Schwalbach, CFP®, CLU, AIF®, CEPA
    June 18, 2021

    A big focus for Freedom Financial this year has been following potential estate tax law changes under the new Biden administration and anticipating how they could impact our clients. We will continue to focus on this topic with clients as we follow potential estate tax legislation and changes. Estate tax […]

  • Jon Holmgren
    Jon Holmgren, MBA
    March 24, 2021

    By Jon Holmgren and Sam Swift “Perhaps we could have timed our move a bit better from a weather perspective,” is what my wife said to me the other day looking back on our move from Atlanta, Georgia, to the Twin Cities in late December of last year. After the […]

  • Trever Christian and John Schwalbach, Partners
    February 25, 2021

    Wow! Where has the time gone?! Today, February 25, marks the 8th anniversary of Freedom Financial Partners and what a journey it has been. We have been humbled by the response over the past 8 years and wanted to send a quick note thanking you, our clients, for allowing us […]