Sometimes it is wise to take a look back ahead of a journey forward. We have been scrutinizing the midyear outlooks published by various financial institutions and respected strategists back in June. Our aim is to provide valuable context as we approach what could be a turbulent period. With a Presidential election right around the…

Environmental, Social, and Governance (ESG) investing has gained significant attention in recent years, but many investors remain confused about its meaning, effectiveness, and potential impact on returns. ESG investing is a strategy that considers environmental, social, and governance factors alongside traditional financial metrics when making investment decisions. Here’s a breakdown of what each component means:…

Imagine the stock market takes a nosedive. Your retirement account value plummets, and anxiety sets in. Logic tells you to stay calm, but the urge to act becomes overwhelming. This scenario illustrates the power of investor psychology, which influences both individual consumers and professional money managers. The key is to recognize the behavior and take…

Worrying about running out of money is at the top of the list of concerns for those planning for retirement or already there. Whether you’ve diligently saved a small fortune or you’re working with more modest means, the transition from saving to spending can feel almost terrifying. Of course, no one can answer this question…

The 60/40 portfolio (60% equities, 40% bonds) has been a staple of investment strategy for decades. But did we adopt this approach simply because it was the best we could do with the limited investment options available at the time? While this strategy has generally performed well, it’s worth questioning whether it’s truly foolproof, especially…

Thank you for calling Social Security, Your Estimated Wait Time is… No matter what the situation is, sometimes when we have a problem, we just want to speak to someone. We don’t want to listen to a lengthy message only to click on some options and then be told we can’t be helped and ‘good…

Over the years, we’ve been exposed to countless presentations on how financial advisors model retirement plans for their clients. Despite the common disclaimers that each plan is unique and tailored to individual circumstances, we’ve noticed a striking consistency: most advisors still rely on the 4% Rule as their primary strategy. This observation persists across the…