Have you noticed Mom or Dad showing signs of decline? Are you worried about your elderly uncle living at home by himself? You’re not alone. Many of us will find ourselves making care decisions for our parents or other beloved elders. It’s not an easy place to be because it’s hard to see them struggle […]

A new deal finally put the debt ceiling issue to rest (for now, anyway), and stocks are rallying. Are we on the brink of a new bull market? We might be. The S&P 500 has soared in 2023 and is up nearly 20% from its October 2022 low.1 That’s pretty surprising given the concerns about […]

Imagine there are 100 miles between you and a goal. A place you want to get to. But the land in between is chock full of canyons, crevasses, and crumbling cliffs. You have two choices of how you could get there. You could find a way on foot, sliding into ravines and trudging up switchbacks. […]

Markets are doing their thing again, so let’s discuss. Markets tumbled, heading into negative territory, and then bounced back. And then promptly fell again.1 We’re caught in a whipsaw pattern of uncertainty. Is this weird? Not really. These things happen pretty regularly when investors get jittery. Let’s talk about what’s going on. What led to […]

Politicians are creating more drama than Hollywood over the federal debt ceiling. Let’s recap what we know with some educated speculation about what could happen next. [Scroll down to the bottom for the nitty-gritty if you want to skip the details.] What is the debt ceiling and why is it in the headlines (again)? The […]

Money is much more than a medium of exchange for goods and services. Money reflects our personal values and the hard work we put into earning it. How we treat money, save it and spend it, is a reflection of our internal beliefs — our money mindset. When it comes to money, we all have […]

“If you aim at nothing, you will hit it every time.” – Zig Ziglar That’s true for most aspects of life, including our finances. Most of us realize that. It’s why we set New Year’s resolutions—and why more than half of all Americans set some type of financial goal as a resolution each year.1 As […]

In a perfect world, logic would always guide our financial decisions. Emotions wouldn’t come into play. But we don’t live in a perfect world. Far from it. That means our emotions impact our financial choices more than we realize.1 Shockingly as much as 95% of our purchase choices are made subconsciously, driven by our emotions—as […]

With a volatile 2022 in the books and numerous uncertainties looming in 2023, we’d like to provide you with our annual Recap, Outlook, Risks, and Opportunities. 2022 Recap 2023 Outlook Asset Class Returns – Next 5 Years Risks Opportunities While sticking to the financial plan is rarely easy, history has shown it is the best […]

How can we find joy when things feel chaotic? Gratitude. When we’re grateful, we can let go of our expectations. That can lead to greater happiness and life satisfaction, no matter how uncertain the present is—or the future may be.5 “Gratitude lets you appreciate what truly matters in the moment. That can go a long […]