Retirement Planning

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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Monte Carlo Simulation: A Powerful, but Imperfect Tool

Working with financial planning clients over the years I have heard a wide range of individual goals, from providing college education and weddings for children, to purchasing vacation homes and sports cars. Every person has their own unique wants and needs shaped by their values, beliefs and attitudes. However, one goal every single person has

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Insurance & Annuities: Not a One-Size-Fits-All Strategy

The overall breadth of the insurance product marketplace has increased dramatically over the last 30 years. With the countless products now available, it is more important than ever to make certain insurance products are carefully and thoughtfully purchased as part of an individualized financial plan. If someone is trying to sell you a product without

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Supercharge retirement savings with a Health Savings Account (HSA)

In the span of 4 years my wife and I have had three boys. With a growing family, comes growing medical expenses. A few years ago we started saving and investing in a Health Savings Account (HSA). Roth IRAs are often touted as the ultimate savings vehicle, but nothing beats the tax benefits of an

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