Retirement Planning

Markets Keep Rising, Even With Tariffs Back in Play

The headlines are full of tariff talk again, but markets have continued to march higher anyways. Here are the real forces we think are at work behind the record highs: Catalyst 1: Strong Economic Growth The economy surprised to the upside with over 3% GDP growth last quarter, driven by strong consumer spending and resilient […]

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The “One Big Beautiful Bill” Becomes Law – What It Means for You

A couple months ago our newsletter focused on the tax bill that was working its way through congress. Congress recently passed this sweeping new piece of legislation dubbed by some as the “One Big Beautiful Tax Bill.” While there have been a lot of media headlines surrounding the bill, we want to cut through the

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Permanent Life Insurance: Overused, Oversold, Often Misleading, Yet Sometimes Appropriate

Permanent life insurance—whether it’s whole life or indexed universal life (IUL)—has become a lightning rod in financial conversations. Some call it the “rich man’s Roth.” Others treat it like a magic wealth-building machine. And yet, for most people, it’s neither. The truth? Permanent life insurance is one of the most over-marketed, misunderstood, and misused financial

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A “Big Beautiful Bill” and the Return of the ‘T’ Word We Actually Like to Talk About: Taxes

After months of headlines dominated by the other “T” word—tariffs—it’s refreshing to finally talk about something a little more familiar, a little more foundational, and frankly, a lot more relevant to how we live, save, and plan: Taxes. You may have seen that the House passed a new proposal to extend and expand parts of

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Double Vision: Navigating Two Economic Realities

As earnings season unfolds, a curious pattern has emerged: most companies are reporting strong current performance, often beating expectations, yet issuing cautious or even conflicting forward guidance. It’s not a lack of conviction—it’s a reflection of the moment. We’re in a time of double vision, where two starkly different economic futures are competing for dominance.

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Tariff Tantrum’s Return 2025 vs 2018: Understanding Market Reactions and Economic Impact

The markets are throwing another tariff tantrum, and if you remember 2018, this probably feels like déjà vu. But while the market reaction looks similar, the economic backdrop is different. Back in 2018, inflation was low, but the Federal Reserve was aggressively raising interest rates, tightening financial conditions. Now, in 2025, inflation is higher, but

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Unraveling Wall Street Forecasts: The Troubling Tale of Stock Price Predictions

 “An economist is an expert who will know tomorrow why the things he predicted yesterday didn’t happen today.” –Evan Esar We’re now a couple weeks into 2024, and the S&P 500 just finally eclipsed its prior all-time record high reached back on January 3rd, 2022. After a brutal 2022 for markets, last year was another

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The Price of Prosperity: Balancing Economic Success With Quality Of Life

US Economic dominance The United States has enjoyed a prolonged period of market dominance versus international markets. An examination of the driving forces behind this success reveals a lifestyle deeply rooted in the pursuit of work and wealth creation. While this focus has undoubtedly propelled the nation to unprecedented economic heights, there’s an inherent trade-off

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