Blog
Market Timing: Gotta Be Right Twice, Twice
Market timing requires a skill that’s almost impossible to master.An investor not only has to determine when stock prices have peaked (so you can sell), but also when they have bottomed (so you can buy).In recent weeks, many people...
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Is Social Security Going to Run Out in Your Lifetime?
We get regular updates on the Social Security trust fund. The Social Security Board of Trustees announced that the trust funds had revenue to pay full benefits until 2035. Generally speaking, the headline’s tone is very grim and...
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What Happens When the Fed Adjusts Rates?
Hardly a day goes by that someone doesn’t say to me, “I’m putting off a decision until the Fed changes interest rates.” But I’m quick to remind people that the “rate dominoes” don’t always fall as you may expect. Here’s what could...
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A quick glance at the latest tax law overhaul
Just before the July 4th holiday, Congress passed a domestic policy bill that extended the 2017 tax cuts that were set to expire this year while making some of the 2017 rules permanent. The bill also created several new tax laws for...
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Is TINA Managing Your Money?
Who the heck is TINA? TINA is an acronym that stands for “There Is No Alternative” to stocks. And for most retirement-minded investors, TINA is their money manager. As you can see, 71% of 401(k) account balances were allocated to...
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Handling the Health Insurance Gap
Americans seem upbeat about retirement, with more people preparing to retire at 70, according to the latest Employee Benefit Research Institute (EBRI) study. Sometimes, though, reality gets in the way: the same survey found that 40...
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Buffett on Retirement, Investing
“Be fearful when others are greedy and greedy when others are fearful,” are the words of wisdom from Warren Buffett. There’s just one small catch—it may be the most difficult thing for an investor to do. Over six decades, Warren has...
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Upbeat Inflation Report Lost in Tariff Shadow
The March consumer inflation report, which showed some prices at their lowest level in more than four years, was overlooked among all the tariff headlines. Core inflation, which excludes the volatile food and energy factors, rose at a...
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Weekly Market Insights | Markets React to White House Tariffs
Stocks fell broadly last week as domestic and foreign markets reacted to the White House’s tariffs. The Standard & Poor’s 500 Index declined 9.08 percent, while the Nasdaq Composite Index fell 10.02 percent. The Dow Jones Industrial...
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Client Letter | Tariff Transition | March 5, 2025
As spring approaches and the weather warms, the U.S. economy has begun to cool. After a sizzling recovery from the pandemic, followed by a period of surprisingly solid and steady growth on the back of resilient consumer spending, the...
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Your Home: Asset or Liability?
Have you ever heard the expression, “It’s a buyer’s market?” That phrase describes what’s happening with today’s residential real estate: homes are selling for under their asking price and are taking longer to sell. Good news for...
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Five Tough Questions to Ask Before Retirement
Retirement Read Time: 4 min Five Tough Questions to Ask Before Retirement Retirement is a significant life milestone, but achieving a successful and fulfilling transition requires answering some tough questions. Whether you’re nearing...
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Social Security Fairness Act
Social Security Fairness Act's New Chapter The Social Security Fairness Act, signed into law in December 2024, adjusts two longstanding provisions that previously reduced Social Security benefits for certain recipients: the Windfall...
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Have You Enrolled in Medicare Part D or a Medicare Advantage Plan?
Have you enrolled in Medicare, or are you considering it? If so, you should know that anyone who receives Medicare is eligible to receive Medicare Part D prescription drug coverage. However, if you don’t enroll for that coverage at...
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A Momentous Milestone!
Congratulations on your 73rd birthday! If so, it's time to start drawing down on some of your retirement accounts. If you don’t, Uncle Sam may help himself to some of your hard-saved funds. However, there are some exceptions. As...
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Financial Milestone Age 59 ½: Penalties for IRA Withdrawal End
Happy Half Birthday! I bet you thought celebrating half-birthdays ended when you exited elementary school. But at age 59 that all changes, and you get to celebrate a half-birthday again. Once you hit the magical age of 59½, you've...
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Super Catch-Ups for 2025
Are you in your early sixties and hoping to make a splash in your retirement strategy? The SECURE Act 2.0 introduced a $11,250 catch-up contribution for those aged 60-63. This “super catch-up” is part of a new tiered catch-up...
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