Helpful Reminder on Bank Deposits

Wp_Site_AdminFinancial Planning

The US Treasury, Federal Reserve and FDIC issued a joint statement this past Sunday. This irregular announcement was meant to protect the US economy by strengthening public confidence in our banking system.

What is The Federal Reserve’s Direction on Interest Rates?

Wp_Site_AdminFinancial Planning, Quarterly Market Commentary, Tax Planning

“Life is like riding a bicycle. To keep your balance, you must keep moving.” – Albert Einstein January in the Midwest can be a difficult place to spend your days. Cold and dark days are frequent weather forecasts. The hearty Midwesterners usually have their way of dealing with this somber forecast (travel, spending time doing outdoor winter activities, indoor events, etc.). No matter the method the goal is to think of better days ahead. Spring will eventually arrive. Just need patience and temperament. Keep moving. The same forecast could be said for the investment world. Financial conditions are signaling global …

Grit or Quit: How Do Investors Decide?

Maggie MayerPortfolio Management, Financial Planning, Retirement Planning

Market volatility is discomforting. No matter how much you prepare for it, it is never easy. The same discomfort investors thought they were once willing to withstand now seems unbearable. The discomfort starts to penetrate the “invest for long term” fortress investors had built. The feelings of “this time is different” come rushing forward. Panic sets in.

Interest Rates. Where Have They Gone?

Wp_Site_AdminFinancial Planning

It is no secret that interest rates are rising. It is also no secret that these higher rates are influencing borrowing and investing activity. However, not all rates move in unison. It is helpful to understand what rates have moved and what might lie ahead. If you have any specific questions about your personal situation, please do not hesitate to contact us.

Inflation Reduction Act of 2022

Wp_Site_AdminTax Planning, Financial Planning

Last week President Biden signed into law the Inflation Reduction Act of 2022. Here are some applicable sections that may be of importance. The specific tax rules surrounding energy tax credits can be complex, so if you are considering purchasing some energy efficient property let us know and we will be happy to discuss.

Senior Living Arrangement Planning

Wp_Site_AdminRetirement Planning, Financial Planning, Wealth For Good

The pandemic has changed the way people live, how they think about their homes, and what the surrounding community means to them. Each generation is going to be affected differently. In particular, the population of older adults’ (in the US this group is set to grow to 73 million by 2030) view on housing is going to have dramatic consequences for themselves, their caregivers, and their surrounding communities.

Investment Strategy Review

Wp_Site_AdminFinancial Planning, Retirement Planning

After the 2022 first-half investment performance, it is normal for investors to want to reevaluate their investment plan. Losses never feel good. It does not matter if the loss involves your favorite sports team, playing board games with your family/friends, or just seeing investment values decrease. However, we cannot say they are surprising. Losses are part of these events (is there a person reading this that has never lost in board games?

Long-Term Investors – Recession Investing

Wp_Site_AdminFinancial Planning, Portfolio Management, Retirement Planning

“Think of the markets’ force as a raging river. Any experienced rafting guide will tell you not to fight the rapids. You’re better off charting your course, adapting incrementally and not oversteering.” -David Booth Recession Investing for Long-Term Investors Investing for the long-term requires ignoring short-term noise. Part of that noise is the inundation of frequent recession predictions and subsequent calls to bail on investing. For long-term investors, recessions are part of the deal. There is no way to avoid them. For better or for worse, long-term investors are company owners during good and bad times.

How to Minimize Investment Regret: Asset Allocation

Wp_Site_AdminFinancial Planning, Portfolio Management

“A genius is the man who can do the average thing when everyone else around him is losing his mind.” – NapoleonSolution to Minimizing Future Regret: Asset AllocationMarket prices continue to be volatile. Every day seems like a big news day. Every day seems to have big price movements. Because of the volatility, investors are asking these types of questions: Have prices hit their low point? Are prices going to fall further? If they bounce back up, how fast and how high? If they fall, how fast and how low? Many questions with few exact answers. Only in hindsight can …