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Financial Education

Markets go up. Markets go down. Patience and perseverance are essential to a sustained and successful journey. Along the way, we keep time with Monthly Market Updates and other essential observations

Most Recent Update

Funding Your Retirement Travel

Learn how smart planning today can help turn those bucket-list adventures into tomorrow’s reality.

Building Your Down Payment While Growing Your Investment Portfolio

Saving a down payment in order to get your first home represents a significant milestone in anyone’s financial life, and careful planning is needed to make sure your down payment goals don’t derail your broader investment strategy.

Early Career Financial Moves: Maximizing Your First Decade of Earnings

Landing your first professional position marks the beginning of an exciting journey—and the financial decisions you make now can significantly impact your long-term wealth creation.

Creating Your Personalized Approach to Retirement

No two retirement journeys are identical. An ideal withdrawal strategy reflects your unique goals, timeline, and comfort level.

2025 Changes to 401k/403b/IRA Savings Plans

Employees participating in their company retirement plans (401k and 403b) have new incentives to boost the amounts contributed to those plans coming in 2025 through the Secure Act 2.0 passed in 2022. Super-sized catch-up contribution for ages 60-63: Plan participants ages 50 and over have been able to defer up to $7,500 in addition to […]

Why Is “Market Breadth” Important?

The recent stock market performance has been quite good, and many investors may have come across the term “market breadth” watching the financial news or reading market updates. Market breadth measures how many stocks traded each day are going up or down in unison. A strong market has positive market breadth, which means most of […]

Economic Resilience: Fifteen Years of Perspective

The US economy has weathered a lot of disruptions and changes since the COVID-19 pandemic began in the first quarter of 2020. The shutdown of the economy triggered a brief bear market in stocks and a recession that lasted two quarters before the impact of federal government support began to kick in. The start date […]

Traditional versus Roth: Which Retirement Account Maximizes Portfolio Value

A common question among investors is, “Should I contribute money to a Traditional or Roth retirement account?” If the investor isn’t constrained by contribution or tax-deductibility limits, the correct answer is strictly determined by which marginal income tax bracket they’re in now and which tax bracket they expect to be in when making future withdrawals […]

Over 73? Here is what you need to know about RMDs

What is a Required Minimum Distribution? A RMD represents the minimum amount that an account holder must withdraw from certain retirement accounts. Anybody with a Traditional IRA, SEP, SIMPLE IRA, or employee-sponsored retirement plan that has reached the age of 73 is required to take a minimum distribution from their account. RMDs exist, more or […]

Financial Education

Every journey begins with the first step. We’re ready to join yours.