Retirement Planning

Past Patterns, Present Markets: What the Fed’s Latest Move Means

Inflation remains above target, the economy has remained resilient, and lessons from 2022 and 1999 offer useful context for investors today. Last week, the Federal Reserve raised interest rates by 0.25%. On the surface, that might seem surprising. The Fed had spent the past couple of years gradually lowering rates, and now it is reversing

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A Good Financial Plan Gives You Permission to Spend

Over the past few years, one of our biggest priorities as a family has been creating memories with our kids. That does not always mean taking an expensive trip or planning something elaborate. Often, it is simply being intentional about spending time together and recognizing that this season of life will not last forever. Still,

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The Market Has Broadened. Here’s Why That Matters.

The first half of 2026 has been a good reminder that markets and headlines often tell two very different stories. Investors have had no shortage of reasons to worry this year. We’ve navigated tariff headlines, geopolitical tensions, fears about AI, concerns around government debt and deficits, questions about the path of interest rates, and a

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IPO: It’s Probably Overpriced, Or Is It?

On Wall Street, the acronym IPO has long carried a second meaning among the skeptical: It’s Probably Overpriced. For most of the past decade, that cynicism was well-earned. The 2021 SPAC mania brought more than 1,000 companies to market in a single year, including electric vehicle startups without a car in production and blank-check companies

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The Fed Finally Cuts Rates Again in September

The Fed finally pulled the trigger on a long anticipated September rate cut, trimming the funds rate by 0.25% to 4.00%–4.25%. The last cut before this? December 2024. What does that actually mean for important items like mortgages, rents, home prices, and the financial markets? One of the most common misconceptions we see and hear

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