Social Security and Medicare 2025 Trustees Reports: It’s Time to Address Funding Concerns Each year, the Trustees of the Social Security and Medicare trust funds provide detailed reports to Congress that track the programs’ current financial condition and projected financial outlook. These reports have warned for years that the trust funds would be depleted in […]

Tax and Spending Bill Signed into Law President Trump signed into law the One Big Beautiful Bill Act (OBBBA) on July 4, 2025, after months of deliberation in the House and Senate. The legislation includes multiple tax provisions that will guide individuals, business owners, and investors in planning their finances for many years to come. […]

June 2025 Market Summary Equities End 1H 2025 with Positive June, Oil Prices Surge, Treasury Yields Fall Stocks closed out the first half of 2025 with gains across the boardas indices continued a rapid clawback out of correction territory from earlier in the year. The Dow Jones Industrial Average rose 4.5%, the S&P 500 added 5.1%, and the Nasdaq Composite advanced […]

Why No Change Amid Cooling Inflation & Fed Dot Plot Projections Introduction The Federal Reserve’s June 2025 meeting ended with a collective pause, no rate hike or cut, even as inflation has cooled markedly from last year’s highs. Headline CPI has fallen to ~2.4% (core ~2.8%) as of June, a dramatic improvement from 2023’s 6%+ […]

Tips to Help Preserve Your Inheritance According to the Federal Reserve’s Survey of Consumer Finances, taken every three years, slightly more than one in five U.S. households had received an inheritance as of 2022.1 If you expect to receive an inheritance one day, these tips may help you better manage your financial windfall. Wait a while […]

Buffett Takes a Bow: 7 Lessons from an Iconic Investor At the age of 94, Warren Buffett recently announced his retirement as CEO of Berkshire Hathaway, the massive holding company he has controlled since 1965.1 Buffett is a venerated investor due to his financial success and long track record of stock market outperformance. The value […]

Equity Markets Equities Rally Across the Board, Nasdaq Composite Up Almost 10% in May. Stocks posted strong performances across the board including the S&P 500 and Nasdaq, which both had their best months since November 2023. The Nasdaq Composite surged 9.7%, the S&P 500 increased 6.3%, and the Dow Jones Industrial Average added 4.2%. Several […]

The Roth 401(k) Some employers offer 401(k) plan participants the opportunity to make Roth 401(k) contributions. If you have access to this option, Roth contributions could play an important role in helping enhance your retirement income. What is a Roth 401(k)? A Roth 401(k) is a traditional 401(k) plan that accepts Roth 401(k) contributions. Roth […]

Alternative Asset Classes: An Introduction What are alternative asset classes? Beyond the three primary asset classes–stocks, bonds, and cash– many other types of investments can be used to diversify investment portfolios. The term “alternative assets” is highly flexible. It may include specific physical assets, such as natural resources or real estate, or methods of investing, […]

The Individual 401(k) If you’re self-employed or own a small business, you’ve probably considered establishing a retirement plan. If you’ve done your homework, you likely know about simplified employee pensions (SEPs) and savings incentive match plans for employees (SIMPLE) IRA plans. These plans typically appeal to small business owners because they’re relatively straightforward and inexpensive […]