As we near the end of the second quarter, we felt it would be interesting to take a dive into the performance of various equity market sectors this year and give an outlook for the remainder of the year. We explore sector performance and weights for industries like Tech, Financials, and Energy, and discuss how to determine the most attractively valued for an investor’s portfolio. Enjoy! Returns & Valuations by… Read More
Retirement isn’t a single event—it’s a journey that unfolds over time, with evolving needs, goals, and market conditions. That’s where bucketing, a time-segmented investment strategy, becomes invaluable. By dividing your assets into distinct “buckets” based on time horizon and purpose, you can align investments, withdrawals, and risk in a way that brings clarity, confidence, and control. Last week, we explored two retirees, Bob and Alice, who had identical investor… Read More
Bob and Alice are fictional retirees who will help us explore how market conditions can impact even the best planned retirements. Both retired after working hard and following careful saving strategies for their later years. Both of them are values driven and both of them are investing in the same things. They even enter retirement with the same amount of money. However, Bob is facing the results of… Read More
Maximizing tax-advantaged accounts means utilizing them to their fullest potential in your portfolio, and that starts with ensuring that you are aware of all your options. Today, investors are fortunate to have access to a wider variety of these tax-advantaged investment accounts than ever before. Once your financial goals are established and sufficient cash reserves are in place, funding these accounts is typically one of the first priorities in any… Read More
Every business owner eventually reaches the point where it is time for them to exit their business. Ideally, this exit is a voluntary one that is planned out and in line with the goals of the owner. However, exits can also be forced, either due to health, age, or trouble with the business. The importance of succession planning for business owners, even if they are still years away from their… Read More
For most high-income professionals, the first step in a long-term savings strategy is to fund an employer-sponsored retirement account (such as a 401K or SIMPLE IRA). There are several ways that you can position the income you have earmarked for retirement savings, often in accounts that have tax advantages, such as Traditional and Roth IRAs, but there are other options as well. Each of these options offers unique benefits… Read More
A wealth advisor is your financial architect—someone who understands your vision, creates a personalized financial “blueprint,” and brings in the right professionals to help you build a strong financial structure. Think of your financial life like building a custom home. You wouldn’t start pouring concrete or picking out countertops without a blueprint. In today’s blog, we will clear up a few very common misconceptions about financial advisors, explain… Read More
Your portfolio may seem to be running at peak efficiency, but how do you know for sure? Regular investment analysis is an essential piece of the puzzle. Personal financial planning, or business planning, will always be the primary focus of our relationship with you. Does that make our investment management unimportant? Certainly not! Perhaps you can think of it this way: financial planning is “the vehicle” that gets you where… Read More
For any business owner, cash flow is always a topic that is top of mind. Between managing inventory, accounts receivable, and lines of credit, the old adage stays true “cash is king!” One of the challenges faced by business owners is how to balance the cash needs of the business with their personal financial goals, including cash reserves. A well-run, privately held business is likely the best investment available to… Read More
Between February 19 and March 13 of this year, the S&P 500 index declined by 10%. This was the first 10% pullback since August to October of 2023. When stock markets decline by 10% or more from their recent highs, especially when it has been nearly a year and a half since the last occurrence, many investors become anxious. However, these corrections are not only normal but also a healthy… Read More
