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If your net worth has crossed seven figures, the stakes changed. The tax code treats you differently, market swings feel more expensive, and “set it and forget it” advice starts to look reckless. At this level, generic financial planning does not just fall short, it can lead to unintended tax consequences and inefficiencies that quietly […]

Markets are back at all-time highs right alongside headlines around war, oil prices, and inflation, which can feel counterintuitive and leave investors wondering if things have gone too far. Moments like this are a good time to zoom out and revisit how markets have behaved over the long run. It has now been more than […]

It’s been an eventful 2025. So far this year we’ve had a change in administration, tariff policies, rising global tensions and most recently the signing of a major tax Act. Through all these headlines though, my message remains the same: the long term, diversified approach pays off through uncertainty. This year’s performance is already reinforcing […]

With new tax laws officially signed in, we can start unpacking the implications of the One Big Beautiful Bill Act (OBBBA). Focusing on the personal financial implications, we have a few key takeaways below. Executive Summary The Act extends previous tax cuts, keeping lower tax rates in place, unless changed by future legislation. Most people […]

2024 was another great year in financial markets. Below we have a summary of 2024 returns: . (note the significance in excluding the Magnificent 7 stocks from the index) . It’s always nice to have positive performance and to take a moment to appreciate this. And for you bond investors, a silver lining is that […]

We are excited to share that Brett Spencer has recently been featured in a Kiplinger article, “Want to Retire Abroad? Five Things to Know About Your Money.” It’s always a privelage to contribute on this topic and we’re honored to be featured. We hope you enjoy the article. Want to Retire Abroad? Five Things to […]

As we start a new year, many of us are in the midst of reflecting on the past year while envisioning what the new year has to bring. And I know your investment accounts are not immune to this reflection either. While I may be preaching to the choir here, I do like to take […]

2023 has been quite an interesting year so far. Markets have been up, which is a nice change after a down year. But this has all been during the steepest rate hikes we’ve ever had in US history and we aren’t out of the “recession worry” woods quite yet. While positive performance is always welcomed, […]

With the Federal Reserve communicating both rate hikes AND rate cuts, it’s a bit confusing on what an ideal mortgage structure would be. The current rate projections (below) are helpful but we should be cautious as projections can change and have been changing throughout this rate cycle.    *Source: Bloomberg, FactSet, Federal Reserve, J.P.Morgan Asset […]

Coming off of 3 recent bank failures (Silicon Valley Bank (SVB), Signature & Silvergate) and with other bank worries on their heels, I wanted to offer some comments on the implications and how to ensure your assets stay protected. Reassurance First of all, there are a number of reassurances out there. It is certainly an […]