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Economic & Market Outlook The combination of energy price pressure, a war in Ukraine, mid-term elections, and the leading contributor, the U.S. Federal Reserve and other major central bank initiating a series of aggressive interest rate hikes to fight inflation, lead to both stocks and bonds falling in tandem during 2022. This is a rare…
The last time U.S. headline inflation was above 9%, IBM was selling their first personal computer using Microsoft software, Ronald Reagan was president and Marty McFly was traveling Back To The Future. In some ways, it feels like we are taking a trip back to the 1980s as the Federal Reserve has made a strong…
Mortgage Rates on the Rise, Do We Have Another 2008? Housing prices soared through COVID and now with the Federal Reserve increasing interest rates, mortgage rates have followed suit and existing home sales have dropped for six straight months. A recent article from First Trust provides good perspective between the events of today verse those…
Market Insights at a Glance Geopolitical developments and the increase of the money supply have elevated volatility and our outlook of course continues to evolve. This summary is intended to aggregate the Firm’s current overall views and present an at-a-glance dashboard. Our Portfolio Convictions Our investment committee is aware of the policies driving markets, the…
Series I Bonds Providing a 9.62% Annualized Yield As inflation has pushed higher, Series I bonds which are tied to inflation have garnered headlines. Here is what you need to know. I Bonds are backed by the U.S. Government, they will not lose value and they pay interest in two parts, a fixed rate and…
Retirement Savings Checkpoints As we embark into summer and head out on your annual summer vacation, you may find yourself envisioning the relaxation of your retirement years. Here is a guide on how much you should have in retirement savings based upon your age, family income and maintaining that lifestyle throughout retirement. Fee-based planning offered…
The stock market has provided fairly consistent growth over the past decade and as high inflation, rising interest rates and the war in Ukraine continue to disrupt markets, it’s easy for investors to ask, “Will the market ever go up again?” The Federal Reserve has begun to raise short-term interest rates and have signaled that…
Could a Sabbatical Increase Your Return On Life The personal and professional displacement we all experienced during the pandemic has inspired many people to reassess what work means to them. Rather than let these questions linger, it could be productive to approach them with a more formal plan of action, introspection, and recalibration. If your…
Living Your Retirement As you focus in on living your best retirement life, here is a guideline to help you in preparing for your retirement journey. Five years from retirement – Begin to prepare Initiate the retirement discussion, among the topics to discuss are: Help them consider a target retirement. Create a plan to build…
Return on Life There’s a movement toward redefining money: instead of accumulating money for what it can buy, more of us want to use money to live the best life possible with what we have––a concept known as Return on Life™ (ROL). With ROL, money becomes a tool to help you live the life you…