Insights
Drawing on our deep industry knowledge, we assist clients with access to a wealth of insights and educational resources. Here, you can gain valuable perspectives on current market dynamics and explore our comprehensive retirement resources, offering a collection of financial planning, wealth management, and investment strategies.
Under the Big Top
Hi everybody, I hope you had a great summer. Today I’m going to talk about something that’s been in the news quite a bit and, to an extent, what is driving the financial markets right now. Yes, we know about the upcoming midterms, the geopolitical chaos and the worries about AI running wild. In the
The Benefits of a Health Savings Account (HSA)
A Health Savings Account (HSA) offers significant tax advantages, making it an excellent tool for managing healthcare expenses while also serving as a long-term financial asset. Contributions to an HSA are tax-deductible, the balance grows tax-free, and withdrawals for qualified medical expenses are also tax-free. In 2024, the maximum contribution limit is $4,150 for individuals
How Geopolitical Events Can Impact Financial Markets
In today’s interconnected world, geopolitical events can have profound effects on financial markets. From wars and political instability to trade disputes and international sanctions, the ripple effects of these events can influence market behavior, investor sentiment, and economic performance. Understanding how geopolitical events impact financial markets is critical for investors, policymakers, and businesses alike. Market
Buying a Home? The Process Just Changed!
This month, the home buying process was changed following a settlement reached by the National Association of Realtors (NAR) that had alleged the NAR and some major brokerages had been inflating commissions charged by Realtors. This was based on the long-standing requirement of a home seller having to state what the buyer’s agent would be
Should I Worry?
Do I Worry? A Timeless Question in the Face of Market Volatility Back in the 1940s, Stanley Cowan and Bobby Worth wrote a song called “Do I Worry?” The Ink Spots made it a hit with their smooth vocals. Frank Sinatra even covered it. My favorite rendition is by Ernie Andrews. I’m not sure it
Don’t Get Scammed: An Action Plan to Protect Your Money
In today’s digital age, financial scams are more sophisticated than ever. Fraudsters are constantly devising new tactics to exploit unsuspecting individuals, making it crucial to remain vigilant and proactive in protecting your hard-earned money. Protecting Your Information The key to defending against financial scams is safeguarding your personal and financial information. Being aware of common
The Mega Backdoor Roth IRA
Maximizing contributions to tax-advantaged accounts can be a key aspect of sound retirement planning. One lesser known yet powerful option available in some 401(k) plans is the Mega Backdoor Roth IRA. This strategy was made viable by IRS Notice 2014-54, which clarified the rules allowing individuals to roll over after-tax 401(k) contributions into a Roth
Social Insecurity
On May 6th, 2024, the Social Security Administration released the annual Social Security Trustees report. Social Security is made up of the Old-Age and Survivors Insurance (OASI) and Disability Insurance (DI) Trust funds. The report confirms that the status of the program is in decline and will require changes within the next ten years to
A Digital World
Occasionally, we have been asked if the U.S. will adopt a digital currency and then move to eliminate paper (fiat) currency. In recent months, there were rumors that this change was imminent and could be enacted soon. Fortunately, this hasn’t happened, and we don’t think it will. However, knowing more about digital currency is wise
Investor’s Guide to the Election: 2024
We are now less than six months away from what we can expect to be yet another fierce national election. The perception of heightened political conflict and polarization has increased in recent years, with individuals and groups becoming more entrenched in their ideological positions. Naturally, people consider what the potential financial implication of politics will
