Here you will find articles and resources to help you navigate your finances and to stay up to date on company news. 

Welcome to the Blog

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 […]

Investments

Weathering Bank Failures and Economic “Breaks”

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 […]

Investments

Expectations & Considerations for 2023

2022 wasn’t all bad. We had the Winter Olympics, the US officially leaves the pandemic phase of Covid, NASA successfully completed the Double Asteroid Redirection Test (DART). For financial markets however, it’s a bit harder to find a silver lining (although silver was positive for the year – I couldn’t resist). The tables below summarize […]

Investments

Lessons from 2022 & Pandemic Performance

During election season, it’s only natural for us to focus on the election results and what they mean for future progress. We should be careful though not to let our emotions about election results overly influence our investment decisions. While policy certainly can impact company profits, there are also a lot of other influences that […]

Investments

Control of Congress & the Stock Market

Another .75% rate hike was announced by the Federal Reserve (on 9.21.22) and another .75% rate hike is still expected before year end. Beyond the rate raises, Jerome Powell’s words have remained very “hawkish” (or focused on limiting inflation and committed to raising interest rates), which continues to caution investors on what’s to come. Below […]

Investments

“The chances of a soft landing are likely to diminish.”

As we’re experiencing, stock markets are having a rough start to the year. And there haven’t been many places to hide as the tables below show. *Source – Y Charts Market Update Data – Year to Date Performance (1/1/2022-4/30/2022) Why are markets down? There are a number of reasons for this negative performance. Stock prices […]

Investments

May Market Update

With Earth Day upon us, we wanted to offer a few thoughts on fossil fuel exposure your investments may have and the impact of di-vesting from those fossil fuel investments. Do you own fossil fuel investments? If you haven’t consciously constructed your portfolio to be an eco-friendly portfolio, you likely have money invested into oil, […]

Investments

Are You Invested in Fossil Fuels?

With the Russia/Ukraine conflict, we wanted to offer some considerations as we think of the implications of this war. First and foremost though, we are still hopeful that there can be a peaceful resolution as soon as possible! War, economic struggle and lost lives are all terrible terrible things. As we are experiencing though, the […]

Investments

Russia/Ukraine Considerations

As we continue to adjust and hope for a “normal” year after this global pandemic, let’s not assume that our economic conditions will also shift to “normal” status. There are some unique financial circumstances at the moment, which should be considered as you think about your finances for 2022. Rethink Diversification Diversification continues to be […]

Financial Planning, Investments, Tax Planning

Top 5 Financial Planning Considerations for 2022

Top 5 Considerations for 2022

Founder & Lead Advisor

Brett Spencer, CFP®, CEPA, GFP

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