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Securing the New Normal

Securing the New Normal Historically a company was focused on 4 walls: the walls that encompassed employees, a culture, and a secure environment that houses sensitive data as it pertains to not only your clientele, but also your employees. 2020 taught us that work...

How will I decide I am ready to retire?

How will I decide I am ready to retire? After 40 or more years working, how do you know when is the right time to retire?  Is it based on your age 62,65,67,70 or does age have nothing to do with it?  Maybe you need to acquire a certain level of assets, one million,...

SECURE Act 2.0 Get the Jump on this Legislation

SECURE Act 2.0 Get the Jump on this Legislation As part of our financial wellness focus for a business, we hope to keep you on the forefront of legislation that can impact the financial wellness of your business and your employees. Even in an era of extreme...

What is the Planning Gap

What is the Planning Gap? You may recall back in 2008 ING ran a series of commercials showing people carrying around a big orange number that was supposed to indicate the “number” they need to have saved in order to be able to retire comfortably. Today’s world is a...

Don’t Stop Believin’

Don’t Stop Believin’ The year 2019 seamlessly gave way to 2020. Many individuals around the world traveled extensively, enjoyed time with family, and grumbled about their daily commute to and from their 9-5 jobs. What happened in March significantly impacted everyone...

Q1 2021 Global Asset Allocation Views

Q1 2021 Global Asset Allocation Views Review The global economy showed resilience throughout the COVID-19 crisis of 2020, supported by a policy fueled recovery The roll-out of effective vaccines provides a light at the end of the tunnel Large household savings...

Post-Election Outlook

Post-Election Outlook Results Barring some unforeseen event, it appears that Joe Biden will become the 46th President of the United States. The Senate is currently 50-48 with Republicans in the lead. There are two races still to be determined in Georgia with a special...

Global Asset Allocation Views – Q4

Global Asset Allocation Views Q4 2020 3rd Quarter Recap S. stocks have made up significant ground since the March lows, even hitting all-time highs. Vaccine outlook and better therapeutics had been a key driver during the quarter. Markets appear to have turned a...

Trust is key!

Trust is key! Trust is a foundational pillar of any relationship. Many choose to hire, partner with, and collaborate only with individuals that they know, like, and trust. Each profession has characteristics that advance the depth of a relationship between a...

*Student Loan Debt Reaches 1.6 Trillion Now What?

*Student Loan Debt Reaches 1.6 Trillion Now What? You just graduated in the middle of a pandemic, you had to have a virtual graduation ceremony, unemployment rates are double digits and now it’s time to pay back your student loans.  Just like paying for college,...

Global Asset Allocation Views – Q3 2020

Global Asset Allocation Views Q3 2020 2nd Quarter Recap Markets exited bear territory finishing just shy of all-time highs. NBER (National Bureau of Economic Research) finally called the recession when it appears we may already be exiting and entering a new cycle....

What to do when things get choppy

“What to do when things get choppy” “Rock the boat, don’t rock the boat baby”- The Hues Corporation When sailing from one destination to another there will be times when unfavorable weather will arise. Think of taking a cruise on the Atlantic Ocean, or even a boat...

Asset Allocation and Market Recoveries

Asset Allocation and Market Recoveries      Asset Allocation Dilemma Money managers and individual investors have the dilemma of creating a proper asset allocation.  The decisions involve assigning weights to equities, bonds, cash, and alternative strategies or asset...

Financial Opportunities

Financial Opportunities As we continue to manage your investments during the current pandemic it is important to keep a focus on the 3 L’s that we use to help you build your goals. Reviewing the Lifestyle that you want to live, now and into the future, the Loved Ones...

Global Asset Allocation Views – Q2 2020

Global Asset Allocation Views – Q2 2020 “It’s never paid to bet against America.  We come through things, but it’s not always a smooth ride.” Warren Buffet We enter the second quarter of 2020 amid our first bear market since the Great Financial Crisis of 2008.  We are...

CARES Act for Retirement Plan Sponsors

CARES Act for Retirement Plan Sponsors In these unprecedented times the Federal Government has passed into law the Coronavirus, Aid, Relief and Economic Security (CARES) Act.  Below is a summary of the impact on a company that provides retirement benefits to their...

FFCRA & CARES Act for Businesses

FFCRA & CARES Act for Businesses In these unprecedented times the Federal Government has passed into law the Coronavirus, Aid, Relief and Economic Security (CARES) Act.  Below is a summary of the impact on Small Businesses. There are additional benefits for...

Coronavirus Individuals CARES Act

Coronavirus Individuals CARES Act In these unprecedented times the Federal Government has passed into law the Coronavirus, Aid, Relief and Economic Security (CARES) Act.  Below is a summary of individual benefits your family might receive. No Required Minimum...

Coronavirus Market UPDATE

Coronavirus Market UPDATE   As I write this, we have officially entered a bear market.  The first official bear market since the 2008 financial crisis.  The spread of covid-19 has caused supply constraints, lower demand, concerns in the credit market, and...

5 Areas of Your Financial Life to Get Organized Before Retirement

5 Areas of Your Financial Life to Get Organized Before Retirement The dream of retirement can be made a reality with a lot of careful planning and decision-making well before you actually plan to retire. If you are seriously starting to think about your retirement...

Coronavirus Scare

Coronavirus Scare – US markets entered 2020 at overbought levels poised for a drawdown.  The global economy was bouncing back from a difficult 2019 and a manufacturing recession in some parts of the globe.  The US-China phase 1 trade deal was helping to boost...

Secure Act Passes Into Law – Now What?

Secure Act Passes Into Law Now What? This tax act has many implications we will highlight a few from a high level.  We recommend 2020 as a time to review the personal and business plans you currently have in place. The first, and in my opinion, biggest impact is the...

Global Asset Allocation Views – Q1 2020

Global Asset Allocation Views – Q1 2020 The S&P 500 closed 2019 at a record high and trending in the opposite direction from 2018’s December low.  Below I provide the returns of the S&P 500 over the past three years and the largest intra-year declines for...

Don’t Rock the Boat!

Don’t rock the boat! Just as a boat sails through the open seas when all four corners of the boat are balanced equally in the water, your overall health allows you to sail through the journey of life when all four pillars are properly balanced. 4 pillars of health:...

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