Despite a poor showing in September (particularly in small-cap stocks, Emerging Markets, and Bonds), the market has performed exceptionally well in 2026. If the year ended right now, this would be the 4th year in a row...
Social Security has long served as a fundamental pillar of retirement security in America, offering a crucial safety net for retirees, individuals with disabilities, and survivors. However, as demographic shifts continue and economic conditions evolve, the program faces significant financial challenges that necessitate careful consideration and proactive solutions. For our clients, a clear understanding of Social Security's current state, especially following the passage of the One Big Beautiful Bill Act (OBBBA), and the potential paths forward, remains paramount for robust long-term financial planning.
Imagine this: the year is 2014, and your diversified investment portfolio is earning a measly 7% while your neighbor Joe’s concentrated S&P 500 index is up over 14%(1). As if that wasn’t enough, Dianne, across the street, made a risky decision to buy stocks concentrated specifically in airline companies, and she’s all but doubled her investment (2)! So what gives? You’ve hired a financial advisor, and they don’t seem to be keeping up.
Before I became a Chief Investment Officer and financial advisor, I spent a good chunk of my life competing in various sports. As a competitor you don’t stop competing. You're always looking for the optimal strategy, the best outcome, and the smartest way to protect your family's future.
One of the biggest challenges when saving for retirement is understanding how to invest your 401k. There are very few quick and easy ways to know for sure that you are making the right decisions
It has been a wild year. I wrote earlier this year that I expected the markets to take a deep breath after three years of double-digit growth, but that the war in Iran was unexpected. The Iran conflict certainly shook markets in Q1, but they have since rallied back!
We all make hundreds of decisions every day—what to eat, how to spend our time, where to invest our money, and what kind of life we want to build. But few of us ever stop to ask: What am I using to make these decisions? Why do some people seem to make consistently good choices, while others repeat the same mistakes? And how many of us just do things based on what other people do rather than our own thinking? The answer lies in something called mental models.