Posted by & filed under Financial Planning.

People often view tax planning, estate planning and investment planning as wholly separate undertakings. In reality, these three “buckets” of your financial life should be viewed together, as part of your big financial picture. In order to create a cohesive, comprehensive, holistic financial plan, aligning tax, estate and investment strategies is essential. A “big picture” Read More

Posted by & filed under Investments.

Stubborn inflation: Inflation remains a central concern for both consumers and investors. Recent data has shown a higher-than-expected inflation rate, causing disappointment as investors recalibrate their expectations for rates to begin easing. While markets have given up some gains, they are still materially higher for the year, demonstrating resilience even as prospects for Fed rate Read More

Posted by & filed under Financial Planning.

One of the biggest financial challenges people face is “lifestyle creep”, when spending balloons right along with increases in income, undermining long-term financial stability and goals. Understanding how to manage and mitigate lifestyle creep is crucial to your financial wellbeing. Here are some tips to maintain your financial discipline, from peak earning years through golden Read More

Posted by & filed under Investments.

Interest rates and the housing market: Interest rates have moderated somewhat as the markets interpret the Federal Reserve’s recent comments on the prospect of rate cuts later this year. The Fed is still expected to cut interest rates three times in 2024. How will the Fed’s interest rate decisions impact the housing market? Here is a Read More

Posted by & filed under Investments.

Earnings wrap-up: Fourth quarter earnings reports are almost all out and the results have been quite resilient. “With 90% of S&P 500 companies having reported fourth quarter results, the results have impressed investors. So far, 78% of companies beat profit estimates by a median of 7%, while 65% of companies beat revenue estimates by a Read More

Posted by & filed under Financial Planning.

One of the greatest joys of being a grandparent is seeing children and grandchildren successfully navigate their lives. Most everyone shares a common desire to see their family and relatives happy, healthy and financially secure. Efficiently passing resources and wealth to younger generations is one way for grandparents to achieve this goal. Grandparents often ask Read More

Posted by & filed under Investments.

Earnings: The expected earnings growth in 2024 is still dominated by a small number of mega-cap companies. Here is a comprehensive preview of the Q4 earnings season that is currently underway. “It is interesting to note that four of these six companies are also projected to be the top four contributors to earnings growth for the S&P Read More

Posted by & filed under Financial Planning.

Becoming a financial caregiver for a loved one is a tremendously important undertaking. It is not simply about managing another person’s financial picture when they are no longer able to do so independently. It is about preserving the dignity and autonomy of the person in the process. Financial caregivers play a pivotal role in ensuring Read More

Posted by & filed under Investments.

Santa Claus rally in effect. It’s that time again, when we all wait to see if Santa Claus will give a boost to our investment portfolios. The Santa Claus rally, which falls within the last five trading days of the year and the first two of the New Year, has been a pretty reliable bright Read More