“By failing to prepare, you are preparing to fail.” – Benjamin Franklin Yes, you’ve probably heard this quote before, and no, we don’t think that you don’t understand the importance of preparation. However, context is key. For example, consider someone who’s studying for an exam. As long as it’s not [...]

While markets retreat, the shift in rate expectations show signs the end of rate hikes is near. Key Observations Strong economic data pushed market expectations to 0.5% more rate hikes by year end. While perhaps overdone, this speaks to the end is near on rising rates. With 94% of S&P [...]

Filter out the noise and stay the course. Key Observations Broad asset classes rose higher off 2022 lows on cooling pricing pressures and the possibility of a Fed pause Equities abroad outperformed amid a declining U.S. dollar and higher than expected growth The U.S. debt ceiling has sparked conversation, however [...]

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 [...]

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 [...]

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 [...]

... 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 [...]

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.” [...]

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 [...]

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 [...]