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Friday, April 9, 2021

Volatility has moved back to pre-pandemic levels and has declined 80% from its high in March 2020. If you would like to learn more about managing volatility in your portfolio, reach out to an advisor today.

Wednesday, April 7, 2021

Behavioral finance is an area of study focused on how psychological influences can affect investors. Understanding behavioral finance can help avoid emotion-driven decisions that can lead to unnecessary losses.

Friday, April 2, 2021

As the US economy continues to reopen, jobs are coming back. The Unemployment Rate moved down to 6.00% in March, the lowest level since the beginning of the pandemic. If you have questions about how the economic recovery could impact...

Wednesday, March 31, 2021

Many of our clients are charitably inclined but need help aligning their resources, priorities, and philosophy. Planning when and how to make charitable donations can be just as important as what you give as a well thought-out strategy...

Friday, March 26, 2021

In last week's FOMC press conference, chairman Powell reiterated the view that inflation expectations are "well anchored at 2%." However, the bond market continues to forecast higher inflation, with the 5-yar breakeven inflation rate...

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Wednesday, March 24, 2021

US core inflation will likely be volatile in 2021 as the economy recovers from the pandemic. The Federal Reserve updated their projections at last week's FOMC meeting to 6.5% GDP growth and 2.4% inflation in 2021. Additionally, there...

Friday, March 19, 2021

During the early months of the pandemic, the personal savings rate rose dramatically as many Americans chose to delay spending. As people begin receiving stimulus checks from the Biden administration's $1.9T stimulus bill and more...

Wednesday, March 17, 2021

Retirement is the biggest financial goal for most people. Careful planning can help maximize outcomes and give you confidence about your future. Whether you are already retired, or still planning, here are some key ages to keep in mind...

Friday, March 12, 2021

Life expectancies in the United States continue to increase. The below chart shows the probability that a 65 year old will reach certain ages.

Wednesday, March 10, 2021

Given the uncertainty in the financial world today, now is a great time to think about hiring a financial advisor to help you navigate the markets and reach your financial goals. No matter what experience you have with personal finance...

Friday, March 5, 2021

The US housing boom continues with US home prices hitting all-time highs again. From March 2006 to January 2012 the index declined 26%. Since then, prices have climbed 72% and are up 9% over the last year. Have questions? Speak with an...

Wednesday, March 3, 2021

US Treasury yields have surged recently, likely due to economic optimism and rising inflation expectations. For investors, the driver behind the rise in rates is important. If higher yields are the result of expected strong economic...

Friday, February 26, 2021

It has been a difficult year for bonds so far. Interest rates have moved higher, which pushes prices down. The 10-year (1.52%) and 30-year (2.31%) Treasury yields hit new 52-week highs during the week. Have questions on the...

Wednesday, February 24, 2021

Your income during retirement typically comes from several sources. Although you may receive guaranteed income from Social Security and a pension (though that is less likely as time goes on), it is likely not enough to cover all of...

Friday, February 19, 2021

The housing market is on fire. Low supply, high demand, low borrowing rates, and rising prices are all contributing to the market. Mortgage originations are at levels not seen in almost 20 years. Have questions? Speak with an advisor today.

Friday, February 12, 2021

In the US, inflation has remained low even as M2 money supply (cash and short-term deposits) hit record highs. One contributor to low inflation may be the velocity of M2 (the rate at which money is exchanged). Higher excess savings and...

Wednesday, February 10, 2021

Two key themes of 2020 were volatility and uncertainty. As a result, many investors moved large sums of assets into cash. When markets crashed in early 2020, many investors liquidated holdings to cash. However, during the subsequent...

Wednesday, January 13, 2021

Claim What's Yours Make sure that you take all of the benefits available to you based on your work history as well as your current spouse, ex-spouse, deceased spouse, and/or deceased ex-spouse. Wait If You Can If you start receiving...

Friday, January 8, 2021

With the Federal funds rate at 0-0.25%, Treasury yields have fallen to near historic lows. This type of low yield environment can cause investors to hunt for yield. However, spreads in risker fixed income have come in significantly...

Wednesday, January 6, 2021

When interest rates decline, mortgage refinancing becomes a popular topic. You may want to save money on your monthly payment, change the terms of your current loan, or roll a second mortgage into the refinance of your first mortgage....

Thursday, December 31, 2020

The US equity market experienced a sharp decline in March this year as the COVID-19 pandemic hit. A successful vaccine distribution and further stimulus could help an economic rebound in 2021, but there will likely still be...

Monday, December 28, 2020

Are you ready for a new year? You're not alone, 2020 has proven to be a challenging year for many of us. Now is the time to review everything and start planning your financial goals for the coming year. Here are 6 areas you might want...