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Greg and Kendra share their latest thoughts on the market, informative financial topics and other fun thoughts.  

Friday, September 30, 2022

The Free Application for Federal Student Aid (FAFSA) for the 2023-2024 school year opens on October 1st. One of the largest expenditures we encounter when creating a financial plan is paying for college. Many families do...

Wednesday, September 28, 2022

The positive momentum of the past two months hit a major speed bump in the middle of last week. The markets remain focused on two factors: the strength of the economy and the anticipated actions of the Federal Reserve (Fed)...

Friday, September 2, 2022

Series I Savings BondsSeries I Savings Bonds are receiving lots of media attention these days. We thought it might be helpful to provide some introductory information on this unique saving option. Series I Bonds are...

Wednesday, August 31, 2022

The ongoing “Relief Rally” hit a few speed bumps during the second half of August as positive economic news clashed with anxiety over the pace of continuing Federal Reserve (Fed) interest rate hikes. Earnings season...

Saturday, August 20, 2022

Since 1926 there have been 20 market drops of 15% or more. Our strategic partners at Russell Investments created a chart to illustrate not only the cumulative market losses but also the subsequent gains. It is interesting to...

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Thursday, August 18, 2022

The “Relief Rally” is continuing into its second month. Markets are celebrating signs that inflation has begun to ease. While the inflation rate does remain elevated, the July Consumer Price Index (CPI) report came in...

Friday, August 5, 2022

Monthly market returns are based on a wide variety of factors and fluctuate from year to year. While conditions are constantly evolving, it can be interesting to note the trends that months fall into.For instance, over the last 31...

Tuesday, August 2, 2022

Positive news continued to buoy the markets during the second half of July. On Tuesday, July 19th, all major markets posted significant gains: the Dow Jones Industrial Average (Dow) closed up 754 points, the S&P 500 gained 104 and...

Friday, July 22, 2022

By the end of June, both the S&P 500 and the NASDAQ Composite Index entered bear market territory and the Dow Jones Industrial Average was close behind. Technically speaking, a bear market is defined as a market decline of at...

Tuesday, July 19, 2022

On Wednesday, July 6th, the Federal Reserve (Fed) released the minutes from its June meeting. While they highlight the Fed’s concern over inflation, particularly that inflation may become “entrenched”, it did not hold...

Tuesday, July 5, 2022

It probably comes as no surprise that market performance for the first half of 2022 is down. All major markets fell, including the Dow Jones Industrial Average (Dow) which was down 16%, the S&P 500 which lost 21% and NASDAQ Composite...

Friday, July 1, 2022

Our last market recap, dated June 15th, struck an optimistic chord: the Federal Reserve (Fed) had just raised interest rates by 0.75% and the markets reacted positively. Prior to the announcement concerns swirled that the Fed...

Saturday, June 18, 2022

The Social Security Administration released its 2022 Trustees Report earlier this month. Of particular note was the revision of the trust fund data. The Social Security Trust Fund backs the payment of Social Security benefits;...

Thursday, June 16, 2022

Inflation was the dominant story for the first half of June. Fears that a key inflation report would show higher than expected rates pushed markets down last Thursday (June 9). The Dow Jones Industrial Average (Dow) fell 1.95%, the S&P...

Thursday, June 2, 2022

We’re starting to hear multiple sources using the word “recession” in regards to the future of the economy. No doubt there are headwinds out there – some significant. However, with so much negative...

Wednesday, June 1, 2022

The Stock Market Rollercoaster continued at full speed during the second half of May. Markets reversed course during the final days of the month, resulting in a positive return for that period.  The market is grappling...

Tuesday, May 17, 2022

During times of extreme volatility, our nerves can get the better of us and we might start thinking, “Why don’t I sell everything and get out of investing?” We thought this perspective might be a little helpful...

Monday, May 16, 2022

 Market mayhem continued for the first half of May as large daily swings – both positive and negative -- continued. Here’s one example: On May 4th, the Federal Reserve (Fed) announced a much-anticipated...

Thursday, May 5, 2022

Tuesday, May 3, 2022

Tuesday, April 19, 2022

Saturday, April 2, 2022

Saturday, April 2, 2022

Saturday, March 19, 2022

Wednesday, March 2, 2022

Saturday, February 19, 2022

Wednesday, February 2, 2022

Wednesday, February 2, 2022

Thursday, January 20, 2022

Tuesday, January 18, 2022

Saturday, December 18, 2021

Saturday, December 4, 2021

Thursday, December 2, 2021

Wednesday, November 17, 2021

Wednesday, November 17, 2021

Wednesday, November 17, 2021

Tuesday, November 2, 2021

Tuesday, November 2, 2021

Wednesday, October 20, 2021

Wednesday, October 20, 2021

Wednesday, October 6, 2021

Wednesday, October 6, 2021

Wednesday, October 6, 2021

Saturday, September 18, 2021

Saturday, September 18, 2021

Friday, September 3, 2021

Friday, September 3, 2021

Tuesday, August 17, 2021

Tuesday, August 17, 2021

Wednesday, August 4, 2021

Wednesday, August 4, 2021

Thursday, July 15, 2021

After a strong first half of the year, stocks began the second half with continued optimism. Interest rates remain low, new COVID cases are significantly below January’s peak (although the Delta Variant does provide cause for...

Thursday, July 15, 2021

We know that children have an awareness of money at a very early age and yet most "grown-ups" don't discuss money with kids. While there are many reasons, one common idea is a fear that talking about money will create greedy,...

Thursday, July 1, 2021

Stocks continued to trade in a very narrow range for the second half of the month. On June 16th, the Federal Reserve (Fed) concluded their regularly scheduled meeting and announced that while they expect higher inflation, there is no...

Thursday, July 1, 2021

Numerous studies report that financial (and money) concepts are ingrained in children at a very early age. A 2013 Cambridge University study showed that kids as young as seven years old had already developed several basic concepts...

Thursday, June 17, 2021

Stocks traded very narrowly as markets searched for direction during the first half of June. The peak-to-trough range for the NASDAQ Composite Index (NASDAQ) barely topped 4%, while the Dow Jones Industrial Average (Dow) and Standard...

Thursday, June 17, 2021

In times of fear or uncertainty, our first inclination is often to “run for the hills”. When we are afraid of the markets that translate to selling our investments and ‘hiding’ in cash. Advisors frequently urge...

Thursday, June 17, 2021

We’ve received lots of questions about private long-term care options over the last few weeks. We understand the interest in opting out of the state plan – particularly for higher-income earners or younger people that will...

Thursday, June 17, 2021

A few months back, I (Kendra) took Amelia, my 6-year-old, into a new local gift shop. She immediately found the softest stuffed animal hedgehog. I braced myself for her to beg me to buy another stuffed animal we do not need – and...

Thursday, June 17, 2021

On Sunday, May 23rd, our office was proud to join a team of over 25 walkers at the Chambers Creek Properties for the annual Your Walk Your Way fundraiser for the Juvenile Diabetes Research Foundation. Amy organized our office...

Wednesday, June 2, 2021

The second half of May ended on a positive note with all major markets posting gains. Amongst the markets, momentum shifted to the Dow Jones Industrial Average, which gained 1,147 points (3.44%) as investors shied away from technology...

Wednesday, June 2, 2021

The Washington Long Term Services and Supports Trust (LTC) Act was passed in 2019 and is slated to begin in January of 2022. Here is what you need to know: This is the nation’s first public-operated long-term care insurance...

Tuesday, May 18, 2021

So far this month volatility has been the story. The last two weeks have seen several significant percentage moves – both positive and negative. May 7th saw new record high closes for both the S&P 500 Index and the Dow Jones...

Monday, May 3, 2021

Despite some significant daily movements, the major U.S. Markets (S&P 500, Dow Jones Industrial Average, and NASDAQ Composite Index) remained essentially flat for the second half of April. The Dow and NASDAQ both posted modest losses...

Monday, May 3, 2021

Thanks to all who were able to join us last week for our Quarterly Investor Call. We welcomed Devon Barker, Regional Consultant for Meeder Investment Management. Devon began his talk by providing an overview of tactical asset...

Tuesday, April 20, 2021

The major U.S. Indices (S&P 500, Dow Jones, and NASDAQ) all rose for the third week in a row - making a strong start to the second quarter. Recent economic data continues to build a compelling case that the U.S. economy is on the mend....

Monday, April 5, 2021

Last month marked the one-year anniversary of the COVID Market Crash. March 23, 2020, was the low point of the market: the Dow Jones bottomed out at 18,592, the S&P 500 fell to 2,237 and the NASDAQ closed at 6,861. While the pace of...

Monday, April 5, 2021

The Federal Reserve met on the 16th and 17th of March. Their primary mandate is to promote a strong U.S. economy and a key tool is keeping inflation in check. After their meeting, they reaffirmed their commitment to avoid making any...

Monday, March 15, 2021

The markets seesawed their way through the first half of February and the daily movements were frequently significant. Day-to-day changes were often a half of a percent or more. Concerns continued to center around inflation and...

Friday, March 5, 2021

Volatility returned to the market for the end of February with losses across the board for the last week of the month. Primary concerns were focused around inflation and interest rates. Increasing inflation would serve to erode...

Monday, February 22, 2021

The first half of February has proven to be very positive. Every major market has posted several new record highs over the past several weeks. Optimism comes from hopes that the economy will continue to recover. The Congressional...

Monday, February 22, 2021

Each year our team supports a “focus charity.” We spend the year committing financial support as well as raising awareness for the organization. This year was Amy’s turn to choose our charity. The Juvenile Diabetes...

Tuesday, February 2, 2021

Last week was a volatile one for Wall Street and the markets experienced the highest trading volume in years. The week began with mixed returns as the markets digested earnings reports and the likely outcome of the newly proposed...

Monday, January 25, 2021

Last week was a shortened trading week due to the Martin Luther King, Jr. Holiday. Optimism returned to the markets on Tuesday as positive earnings reports suggested that the economy continues to recover. Wednesday’s Presidential...

Tuesday, January 19, 2021

The markets took a breather last week and posted modest losses across the board. Political concerns, including the vote to impeach President Trump for the second time, as well as fears over the rampant spread of COVID-19 and its impact...

Monday, January 11, 2021

During the last trading week of 2020, all major U.S. markets set new record highs, posting gains of around 1%. Volatility was light over the shortened holiday trading weeks, despite continued gridlock in Washington D.C. over further...

Monday, January 11, 2021

The first week of 2021 saw markets continue to climb. Surprisingly, they grew in spite of several major news stories, including the horrific events of Wednesday. Friday brought a surprise jobs report: the month of December posted a...

Monday, December 21, 2020

The markets returned to positive territory last week. The NASDAQ led the way with a return over 3% while the Dow and S&P 500 returned 0.5% and 1.3% respectively. Optimism centered on the possibility of a COVID-19 relief package deal,...

Monday, December 14, 2020

After several weeks of solid gains and new records, the markets took a breather last week. The major indices all ended the week modestly lower (less than 1%). The week’s dominant news stories centered on the elusive COVID-19...

Monday, December 7, 2020

Last week saw solid gains and new record highs for all the major markets. The NASDAQ led with a weekly return of 2.1%, followed by the S&P at 1.7% and the Dow Jones at 1.1%. Continued optimism over a recovering economy and the promise...

Monday, November 30, 2020

Last week was a shorter week in the market with the Thanksgiving holiday and early market close on Friday. All major stock market indices ended positive with more coronavirus-vaccine news. This propelled the Dow Jones up over 30,000...

Monday, November 23, 2020

After hitting new highs in the previous week, volatility returned to the markets last week. COVID-19 was the dominant story and the primary influencer on the major markets. On Monday Moderna announced the very positive results of their...

Monday, November 16, 2020

The previous week’s optimism continued to fuel market returns last week. The first half of the week posted solid gains for the Dow Jones Industrial Average and the S&P 500. The tech heavy NASDAQ dropped, but this was attributed...

Monday, November 9, 2020

What a difference a week makes! Our previous update spoke to the pessimism and fear that was dominating the market and driving down returns. The story last week was one of optimism and hope. The markets started the week with strong...

Monday, November 2, 2020

Pessimism and fear returned to the market last week. Monday experienced the single largest losses in the past several months with the major markets down over 1.5% for the day. Dashed hopes for a COVID-19 economic relief plan before...

Monday, October 26, 2020

Last week kicked off with extreme pessimism over the likelihood of Congress coming to agreement on a COVID-19 relief package coupled with concerns over a nationwide increase in COVID-19 cases. Some optimism did return the following...

Monday, October 19, 2020

Last week started with optimism over a possible COVID-19 relief package and progress on medicines to combat the virus. The markets responded in turn with solid gains. However, by Tuesday that optimism faded as two high profile clinical...

Monday, October 19, 2020

Low mortgage rates have sparked many homeowners to ask about refinancing. Aside from interest rates there are a few things to consider before filling out a loan application. First, a big precursor to refinancing is whether you plan on...

Monday, October 12, 2020

Last week’s dominant news story, at least where the markets were concerned, was the ongoing saga over another COVID-19 relief package. Democrats and Republicans have been in ongoing negotiations over passing a second economic...

Monday, October 5, 2020

News that President Trump tested positive for COVID-19 dominated Friday’s headlines. The markets responded and not even the possibility of a COVID-19 relief package could pull markets out of the red. However, looking at the week...

Monday, September 28, 2020

If you follow market performance daily, it is likely you ended the week with a significant case of whiplash. Volatility raged and the Dow experienced triple digit moves nearly every day. Keep in mind that ‘volatility’...

Monday, September 28, 2020

Elections cause uncertainty in the markets. This uncertainty creates volatile weeks in our portfolios - like last week! A natural reaction for investors is to feel uncomfortable. The challenge is not acting on our feelings. We know...

Monday, September 21, 2020

Last week started strong with the markets posting solid gains on Monday and Tuesday. Wednesday the markets turned flat or negative and that trend continued for the remainder of the week. By Friday all major indices posted modest losses...

Monday, September 21, 2020

One of the longest-standing debates in investing is over the relative merits of active portfolio management versus passive management. But what does this even mean? An actively managed portfolio, a manager tries to beat the performance...

Monday, September 14, 2020

Last week’s market was quite the teeter-totter. While Tuesday and Thursday posted significant losses, most markets showed gains on Wednesday and Friday. However, losses did exceed gains overall with all major indices ending the...

Monday, September 14, 2020

We've mentioned the upcoming election in many of our emails. We think it's time to talk about the relationship between stocks and elections. Don't worry, we're not getting political on you. Politicians often take credit for the economy...

Monday, September 7, 2020

Last week began on a very positive note and by Wednesday both the S&P 500 and Nasdaq had reached new record highs. The Dow closed above 29,000 for the first time since February. And then came Thursday. The markets were hammered with...

Monday, September 7, 2020

Fraudsters are constantly developing new ploys to get at your personal information. There are many methods scammers use, many of which look and feel real. With education and proactive measures, you can avoid these traps. Be Cautious:...

Monday, August 31, 2020

The market posted solid gains last week with all major indexes ending the week higher. With one trading day remaining for the month, August will likely record gains across the board. Despite many potential concerns, the markets...

Monday, August 31, 2020

A few weeks ago we addressed the question, "What is The Market Anyway?" As you're probably aware, there are in fact many different 'markets' and sectors within the market. Examples include U.S. Large Cap, Emerging Markets, Global Real...

Monday, August 24, 2020

Technology stocks drove the market up again last week. While other areas of the market remain down, the vast adoption of technology to allow workplaces to function and keep people connected while social distancing - has pushed the...

Monday, August 24, 2020

A few weeks back we shared information about market indexes, often referred to as "the market". An index is a formula that follows the stock prices of companies within a specific area of the market. The S&P 500 tracks the 505 largest...

Monday, August 17, 2020

The market enjoyed another positive week of growth last week, despite a few hiccups. At its height, the S&P 500 clawed closer to the high point of 2020, on February 19th. Three significant data points this week pointed toward continued...

Monday, August 10, 2020

Last week was a good one for the markets as all major indices posted solid gains. The markets were driven by a strong jobs report indicating an addition of nearly 1.8 million new jobs and an unemployment rate of 10.2%. Both numbers...

Monday, August 3, 2020

The markets ended the week mixed, with the Dow Jones modestly lower while both the S&P 500 and NASDAQ posted solid returns. Market movement was driven by several factors including second quarter earnings reports, second quarter gross...

Monday, July 27, 2020

After several consecutive weeks of gains, the markets posted modest losses to end last week. Rising tensions between the United States and China as well as disappointing earnings reports in the tech sector fueled the selloff....

Monday, July 27, 2020

You’ll notice that our weekly updates discuss the performance of the “market” or the “markets.” But what exactly is the “market”? When discussing investment returns, the most commonly...

Monday, July 20, 2020

The market closed positive last week for the fourth week in a row. The continued growth has been driven in part by news on the COVID front. The market perked with the news of progress in potential vaccine solutions; while remaining...

Monday, July 20, 2020

Let's take a high level look at the first half of 2020. The chart below shows how asset classes performed in second quarter (on top) compared to first quarter (on bottom). While there are some differences - this rebound looks close to...

Monday, July 13, 2020

Last week ended on a positive note as all major indices advanced. This was despite a few stumbles earlier in the week due to the growing number of COVID-19 cases. Positive news included a decrease in unemployment numbers and a...

Monday, July 13, 2020

Our access to information can tilt our long-term investment focus. We have daily access to account values, constant media coverage – not to mention our own weekly market email. The purpose of our communication is to keep you in...

Monday, July 13, 2020

Effective June 30th, 2020, an important new regulation known as Regulation Best Interest, or Reg BI, has gone into effect. The purpose of Reg BI is to provide additional transparency to our industry. This results in an increase to the...

Monday, July 6, 2020

Last week was a shortened trading week due to the 4th of July Holiday. Wall Street shrugged off the dramatic increase of Coronavirus cases as all major indices posted positive returns. Optimism centered on the development of possible...

Monday, July 6, 2020

On March 27th, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law. This $2 trillion economic relief package was designed to help blunt the economic impact of the Coronavirus pandemic. Among other...

Monday, June 29, 2020

Our previous newsletter introduced the term, ‘COVID Reactionary Market’. That is, the likelihood that news on the virus would influence near-term market returns: positive news will spur gains while negative news would drive...

Monday, June 29, 2020

Our staff has returned to the office in a very limited capacity: we work in separate, brief shifts and follow the guidance: if we can accomplish our tasks remotely, we will conduct that work remotely. Those guidelines also apply to...

Monday, June 22, 2020

Last week proved to be much quieter than the week prior. Markets closed slightly higher for the week as Friday’s selloff erased most, but not all, of the week’s gains. Once again market volatility centered around COVID-19,...

Monday, June 15, 2020

Volatility returned last week as the market took a breather from recent gains. Solid growth on Monday turned to mixed results mid-week and significant losses by Thursday. Friday’s late day rally helped to blunt the overall...

Monday, June 8, 2020

Optimism returned to the markets last week as all the major indices posted very solid gains. Friday was the strongest day as a surprise announcement on unemployment numbers led to a surge across the board. Wall Street took heart in...

Monday, June 8, 2020

Several clients notified us that they were victims of a fraudulent unemployment claim in their name. This fraud is widespread and losses are estimated to be in the hundreds of millions of dollars. Washington has been a primary target...

Monday, June 1, 2020

Last week was a shortened trading week due to the Memorial Day Holiday. Positive news drove gains on Tuesday and Wednesday, while concerns over trade tensions with China led to modest losses on Thursday and Friday. Overall, the markets...

Tuesday, May 26, 2020

Positive news returned to the market last Monday. This optimism, related to developments for a possible COVID-19 vaccine, pushed all the major indices significantly higher. The remainder of the week was mixed as markets struggled to...

Monday, May 18, 2020

Negative news, including jobless claims and renewed tensions between the United States and China, dominated the news last week. The market reacted in turn and dropped the first three trading days before staging a partial recovery at...

Monday, May 11, 2020

“The stock market is a wonderfully efficient mechanism for transferring wealth from the impatient to the patient.” Warren Buffett If you’re like us, you’re getting tired: tired of being quarantined at home,...

Monday, May 4, 2020

Believe it or not, April was the single best month for the markets over the past 30+ years. Since the low of March 23rd, all major indices have experienced a significant increase. It has been a welcome respite from the previous...

Monday, April 27, 2020

Thank you to everyone who was able to listen in live on Monday’s quarterly investor call. We hope you enjoyed listening to Mark Eibel, from Russell Investments. Particularly in times like these, our goal is to provide you with...

Monday, April 20, 2020

By now you should have received your first quarter statements. These statements likely showed a loss for the period. We know that seeing values go backwards is discouraging. We are here to talk you through your particular holdings and...

Monday, April 20, 2020

On March 27th, Congress passed the Coronavirus, Aid, Relief and Economic Security (CARES) Act, with the intent of blunting the economic impact of COVID-19. The CARES Act contains many provisions, but we wanted to highlight several of...

Monday, April 13, 2020

While financial markets continued to fluctuate last week, the majority of the movement was positive. Optimism surrounding the COVID-19 outbreak, including signs of lower infection rates and indications of a “flattening of the...

Monday, April 6, 2020

Financial markets continued to fluctuate last week. The main cause of this continued volatility is the uncertainty surrounding the long-term effects of the COVID-19 outbreak. Above all, the market hates uncertainty, which is why we are...

Monday, March 30, 2020

Market headlines have continued to dominate the news and the majority of these headlines have been negative. While we have certainly continued to see volatility, we thought we would devote some column space to highlight the good news,...

Monday, March 23, 2020

Stocks ended their historic 11-year bull run last week after closing more than -20% lower than their all-time highs just four weeks earlier. One of the fastest bear markets ever seems to have been driven by short-term traders, rather...

Tuesday, March 17, 2020

The headlines are scary and it’s easy to get caught up in the moment as widespread reaction to the coronavirus has caused market disruptions and panic selling. The urge to do something in times of crisis can be strong. However,...