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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 (OBBB). 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 […]

With 3 recent bank failures and more bank concerns on their heels, the consequences of raised interest rates are surfacing more and more.   The banks that failed (SVB, Signature and Silvergate) were relatively unique and in a riskier position than other banks, but without interest rate hikes, they may still be here today. We […]

It is worth noting that the stock market and the economy are two separate things. The stock market is forward looking and may rebound before the economy does. . We can’t predict short term changes and our environment is ever changing, so comments about expectations should always be taken with some grain of salt. But […]