Helping you better understand your money so you can reach your goals

Fourth quarter market commentary – Candyland

The last quarter of 2021 yielded mostly positive returns for equities and flat returns for fixed income securities. The S&P 500 gained 11.0% while the Bloomberg U.S. Aggregate Bond Index was flat. Markets were helped by delightful amounts of fiscal spending that contributed to an almost $1.2 trillion expansion in the U.S. public debt in …

Positioning yourself for early retirement

Who doesn’t dream of retiring early? More time for travel, to work on your house or to follow passions without worrying if it can pay the bills. For most of us it stays a dream, but it doesn’t have to. There are financial moves you can make today that will make your dream of early …

Coming to grips with persistent inflation

Following its best month of the year in October, the S&P 500 Index cooled off in November, falling 0.7%. The shift in performance was concentrated at the end of the month. The index fell 2.6% from November 24 to November 30 as news of the Omicron COVID variant swept the globe1. Even though the World …

Fourth quarter market outlook

Markets delivered bland returns during the third quarter—a welcome development considering the stellar returns achieved earlier in the year. Here’s where we stand. U.S. stocks, as proxied by the S&P 500, gained 0.6% while U.S. bonds, proxied by the Bloomberg U.S. Aggregate Bond Index, were nearly flat at 0.1%. Commodities were the top-performing asset class, …

Underinsured and overexposed – Has your home and auto insurance kept pace with the economy?

When it comes to planning for your future, ensuring you have the proper home and auto insurance coverage on your residential real estate assets remains critical to your long term success. Frequently, we see clients seeking discounted insurance to lower their premium cost, neglecting the bigger picture. The bigger picture – 1) adequately insure your …

Financial strategies for new stages of life

As a financial planner, I find myself working with people from all over life’s spectrum. People in the early stages of their careers, people building their career and family, those who are looking forward towards a fast-approaching retirement, people who’ve just retired, and others who have been retired for quite some time. I can tell …

Capital market outlook third quarter update

With nearly 40 record highs posted by the S&P 500 this year, it’s hard to find a large group of analysts or investors who are feeling anything other than worried and fearful of what that means for market performance for the rest of the year and beyond. Welcome to the stock market of 2021! The …