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June Market Commentary:
The Limits of Data in an Ever-Changing Environment
May Recap and June Outlook-
May was a month of differing perspectives. Markets turned positive on a belief that a solution on tariffs would be eventually forthcoming, and the continued whipsawing headlines began to have a muted impact.
May was a month of differing perspectives. Markets turned positive on a belief that a solution on tariffs would be eventually forthcoming, and the continued whipsawing headlines began to have a muted impact.
May Market Commentary:
Does Volatility + Uncertainty Equal Recession?
April Recap and May Outlook
April began with the shock of tariff announcements that were much more punitive than anticipated by businesses, markets, investors, and economists. Equity markets promptly pulled back, even entering bear territory, although not closing there.
April began with the shock of tariff announcements that were much more punitive than anticipated by businesses, markets, investors, and economists. Equity markets promptly pulled back, even entering bear territory, although not closing there.
Estate Planning: The Essential Instruments
Estate planning isn’t just about protecting your assets—it’s about protecting yourself and your people. A thoughtful plan can ensure that your feelings about religion, medical care, what types of treatments you’ll receive or where you want to be cared for are respected if you are not able to speak for yourself. I
Estate Planning: Streamlining the Transition
Planning the transition of your assets isn’t just about maximizing the amount passed on and simplifying the handover—it’s really about ensuring that the help, love and wisdom you provide for your people now can continue even after you are gone. A thoughtful plan can look ahead and smooth obstacles in the same way you would if you were present.
April Market Commentary
A Shock to the System: Tariffs, Stagflation and Market Corrections
March Recap and April Outlook
The month started out on a positive note as CPI came in lower than expected, creating a brief respite from worries about the impact of tariffs. It was short-lived, as the result of the Federal Open Market Committee meeting at mid-month was policy stasis with no changes to rates. Even more unsettling to the markets was the Fed’s signal of fewer rate cuts in 2025.
The month started out on a positive note as CPI came in lower than expected, creating a brief respite from worries about the impact of tariffs. It was short-lived, as the result of the Federal Open Market Committee meeting at mid-month was policy stasis with no changes to rates. Even more unsettling to the markets was the Fed’s signal of fewer rate cuts in 2025.
Retirement Spending and Investing: 4% Rule or U-Shaped Curve
You’ve worked hard and built up a healthy retirement plan balance, and the time to start spending it is finally here. But how can you be sure that your plan will provide the income you need for the potentially 20+ years of your retirement?
Well, your own situation of course depends on your total financial picture—your assets, your debts, your health and family history, the level of income you need and the goals you have for making the most of your freedom from work.
March Market Commentary:
Tariffs, Inflation, and Taxes: Where’s the Balance?
February Recap and March Outlook
The new administration’s priority of “reindustrializing the U.S.” is coming into focus as tariff announcements—even if softened or rescinded—indicated that this is a policy, not just a campaign plank. Throughout the month, the Department of Government Efficiency (“DOGE”) continued its mandate of shrinking government with a raft of layoffs. Headlines on these two topics led to growing fears that an increasingly pessimistic consumer would stop spending, and that inflation would begin to spike once more. While the market response throughout February was to react with higher volatility, equities largely closed out February with only moderate losses.
The new administration’s priority of “reindustrializing the U.S.” is coming into focus as tariff announcements—even if softened or rescinded—indicated that this is a policy, not just a campaign plank. Throughout the month, the Department of Government Efficiency (“DOGE”) continued its mandate of shrinking government with a raft of layoffs. Headlines on these two topics led to growing fears that an increasingly pessimistic consumer would stop spending, and that inflation would begin to spike once more. While the market response throughout February was to react with higher volatility, equities largely closed out February with only moderate losses.
Is Your Portfolio Ready for 2025?
A new presidential administration will be working towards a very different agenda, and it will play out against the backdrop of a changed inflation and interest rate environment. Everything has changed from where it was at this time last year, which may mean that the short-term positioning of your portfolio should be shifted to be in line with potential opportunities and challenges. In addition, an extremely strong equity market last year may have resulted in position sizes growing beyond your acceptable risk parameters.
February Market Commentary:
A New Administration Gets Down to Business
January Recap and February Outlook
Planning for Potentially Higher Volatility in 2025
Last year ended with a strong economy and positive stock and bond market returns. With inflation under 3% and GDP over 3%, the soft landing remained in place. While volatility was not a constant theme, 2024 saw some very dramatic single-day stock movements.
January Market Commentary:
December Recap and January Outlook
December Market Commentary:
A New Regime Comes Into Focus
November Recap and December Outlook
The transition to a new administration is underway with announcements of cabinet position nominees. The pro-business lean of the incoming government is not a surprise, and the emphasis is likely to be on deregulation and tax cuts. Several of the provisions of the Tax Cuts and Jobs Act of 2017 were set to expire in 2025, and those may get a reprieve.
In the near term, the focus is on the path of interest rates, and whether the Federal Reserve will move more quickly, or continue to stick to its data-dependent, cautious positioning. One hurdle seems to be cleared, however: Chairman Powell looks likely to remain in his post, at least for this point in the cycle.
2025 Retirement Savings Contribution Limits
The IRS has increased the contribution limits for many retirement savings plans. In 2025, 401(k)s, 403(b)s, governmental 457 plans, and the Thrift Savings Plan for government employees and the armed services will see an increase to $23,500, from $23,000. The catch-up provision for savers ages 50 to 59 remains the same, $7,500, for a total of $31,000. A higher catch-up contribution limit of $11,250 applies to savers ages 60 to 63 under the SECURE Act 2.0.
Is Your 401(k) Savings On Track?
Saving for retirement should be part of every stage of your work life, from your first job to your last years before retirement. A 401(k) or other similar employer-sponsored, tax-advantaged retirement savings vehicle is, for many people, the core piece of their retirement nest egg. The sooner you start, the better; however, as you move through your financial journey, at each stage your goals, the amount of income you are able to contribute, your tax situation, and your risk profile may be different. This will require your 401(k) to evolve along with you.
November Market Commentary: Historic Election
October Recap and November Outlook
A Historic Election Removes Some Uncertainty
An election season with several twists and turns came to a not-unexpected end with the reelection of President Donald Trump. The received wisdom is that the financial markets hate uncertainty, and we certainly saw some evidence of that in the rally that followed the decisive election results.
How will a new White House regime impact the economy and the markets going forward? President Trump is on record with his preference for lower rates, but the early market reaction seems to be more focused on potential policy implications of higher tariffs and a stronger approach to immigration portending a return to higher inflation.
A Historic Election Removes Some Uncertainty
An election season with several twists and turns came to a not-unexpected end with the reelection of President Donald Trump. The received wisdom is that the financial markets hate uncertainty, and we certainly saw some evidence of that in the rally that followed the decisive election results.
How will a new White House regime impact the economy and the markets going forward? President Trump is on record with his preference for lower rates, but the early market reaction seems to be more focused on potential policy implications of higher tariffs and a stronger approach to immigration portending a return to higher inflation.
Inflation-Adjusted Increases Come Down to Earth
The Federal Reserve has succeeded in bringing inflation down to the long-term goal rate of near 2%, which is good news for consumers. But for savers and taxpayers, this means that the big increases we’ve seen in recent years that have been pegged to inflation are now a thing of the past. The IRS pegs tax brackets, tax deductions, 401(k), and other tax-efficient vehicle contribution amounts to inflation. It utilizes a formula based on the Consumer Price Index to account for the impact of inflation and determine the changes, and with inflation hitting its lowest point in three years, it’s to be expected that the changes this year aren’t significant.
Social Security and Taxes: Changes for 2025
Social security benefits are linked to inflation, and with inflation largely under control, the large cost-of-living (COLA) increases of the last several years are now a thing of the past. This year’s increase was much smaller, and there are several other changes retirees need to think about as well.
October Market Commentary
A Volatile Start to the End of the Year?
September Recap and October Outlook
September equity markets ended the month in positive territory, but with volatility increased. The VIX, the markets “fear index” closed higher than last month, at 16.73, up from 15.00. Intramonth, the values ranged from a high of 23.76 and a low of 14.90.
September’s somewhat surprisingly 50-basis point reduction in interest rates kicked of the regime change in monetary policy with a big move downwards. Subsequent data releases, including a particularly strong September non-farm payrolls number, may put a damper on expectations going forward, but the long-awaited loosening cycle is finally here. However, with an election looming and heightened tension in the middle east volatility will continue to affect markets and investor behavior alike.
Is Your Home Part of Your Retirement Plan?
Retirement planning is all about making sure you have enough assets, and that they are handled prudently, so they can provide you with the income you want throughout your retirement.
But what about the asset you live in? Factoring your home into your retirement planning has an impact on your lifestyle choices, your available income, your late-stage retirement, and even your estate plan.
Given the increase in home prices we’ve seen over the last decade, the question of whether you should stay in your home, downsize, or even upsize is a little more complicated now. And higher interest rates are increasing the complexity.
But what about the asset you live in? Factoring your home into your retirement planning has an impact on your lifestyle choices, your available income, your late-stage retirement, and even your estate plan.
Given the increase in home prices we’ve seen over the last decade, the question of whether you should stay in your home, downsize, or even upsize is a little more complicated now. And higher interest rates are increasing the complexity.
Tuning Up Your Portfolio for a New Interest Rate Cycle
Tuning Up Your Portfolio for a New Interest Rate Cycle
After a steep rate hike cycle in which the Fed raised rates eleven times between March of 2022 and July of 2023, for a total increase of 5.00%, rates have been on hold for the last six FOMC meetings as the Fed has assessed the success of the fight against inflation. With that battle likely one, rates are likely to come back down.
After a steep rate hike cycle in which the Fed raised rates eleven times between March of 2022 and July of 2023, for a total increase of 5.00%, rates have been on hold for the last six FOMC meetings as the Fed has assessed the success of the fight against inflation. With that battle likely one, rates are likely to come back down.
September Market Commentary
August Recap and September Outlook
As summer ends and September begins, attention is focused on the long-anticipated change in the Fed’s monetary policy, from holding rates steady to returning rates to lower levels.
July and August non-farm payrolls indicate a slowing labor market, but other economic indicators are holding steady and show an economy that is still solid. While there is some conjecture that the Fed may kick off a new dovish regime with a 50-basis point rate cut, the general prudence and data-dependent stance of the Fed to date, along with the absence of any clear signs of trouble, would seem to indicate that a more modest 25-basis point cut may be more likely.
Managing Your Tax Risk – with Diversification
Managing the volatility of investment assets by creating a diversified portfolio is one of the basic principles of investing. Dividing up your investments by asset classes can help you create the income stream you need, once you become dependent on your savings and investments in retirement.
Your goal is to create a risk-adjusted return that you can live on, but that is also a balance of selecting investments that allow to you sleep at night, but also keep you from missing out on potential upside.
Your goal is to create a risk-adjusted return that you can live on, but that is also a balance of selecting investments that allow to you sleep at night, but also keep you from missing out on potential upside.
Tapping Into Home Equity to Build Wealth
The expansion of prices in the housing market means that families across the country are growing their net worth simply by being homeowners. As of May 2024, housing prices have increased 5.1% year over year.1
As you pay down your mortgage, your home is essentially acting as forced savings. But how can you tap those “savings” to build your overall wealth or even diversify your assets? Tapping into your home equity can provide access to funds at very low interest rates, which can reduce your debt costs overall or be used to finance an outright wealth-building strategy, like a new business opportunity. However, this strategy comes with unique risks.
Home equity loans let you borrow against the equity in your home. We break down how home equity can be used as a wealth-building tool in the right situations.
As you pay down your mortgage, your home is essentially acting as forced savings. But how can you tap those “savings” to build your overall wealth or even diversify your assets? Tapping into your home equity can provide access to funds at very low interest rates, which can reduce your debt costs overall or be used to finance an outright wealth-building strategy, like a new business opportunity. However, this strategy comes with unique risks.
Home equity loans let you borrow against the equity in your home. We break down how home equity can be used as a wealth-building tool in the right situations.
August Market Commentary: Too Late, Again?
After weeks of Olympic-themed press reports about the Fed “sticking the (soft) landing” and safely guiding the economy to a place where inflation is coming down and growth is holding off recession, one very bad labor report flipped the script. The threat of recession is not just in the future, it may be here now, according to some reports. The VIX index, a measure of stock market volatility, spiked above 50 on the first market day after the non-farm payroll numbers came out, a level last seen in March of 2020.
Did Powell wait too long to begin cutting rates? Is a recession inevitable? What is the Sahm rule? There are a lot of points of view on the topic.
Did Powell wait too long to begin cutting rates? Is a recession inevitable? What is the Sahm rule? There are a lot of points of view on the topic.
Inherited IRAs: It’s Complicated
Several changes resulting from the SECURE Act and SECURE 2.0 Act in recent years have made inheriting an IRA more complicated. The estate planning and tax advantages conferred by the stretch IRA have been largely discontinued. New strategies and different tax planning are now required.
The stretch IRA was named because the tax code before the SECURE Act allowed account holders to name younger relatives, including even great-grandchildren, as the beneficiary of an IRA. The longer lifespans of these young beneficiaries meant that required minimum distributions (RMDs) could be very small. Taxes would also be minimal, and the bulk of the IRA could continue to grow on a tax-deferred basis.
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