Newsletter

You insure your home, car, and health—but have you considered how well protected your retirement is? Rising health care costs, inflation, market fluctuations, and longevity risk can all impact your financial security in retirement.

Retirement can feel distant, but the steps you take today play a critical role in your future financial security. Are your savings on track to meet your goals? Have you reviewed your investment mix, Social Security strategy, and potential tax impacts?

It’s been a very volatile month. Tariffs have been in the news as they’re being negotiated to modify the world’s trading system. You may have lost some money, then made some money this month. But have you really lost or gained anything?

Won’t it be fascinating to review Ft. Knox? Will all the gold be there? No matter, 2025 is turning out to be as volatile as we thought. Diversification and Hedge Gold and Silver traditionally have an inverse relationship with the dollar and stock markets and thereby allow for portfolio performance when other paper areas, like[...]

As we approach the end of 2024, it’s an opportune time to review your financial situation and implement strategies to optimize your tax position. Consider the following actions: 1. Maximize Retirement Contributions: Contribute to your 401(k) or IRA to reduce taxable income. For 2024, individuals under 50 can contribute up to $7,000 to an IRA,[...]

Many people say they buy precious metals to have access to physical/tangible exchangeable options in case of an emergency. Some do it for their kids or family, others say they do it as an insurance or hedge. Most would agree it is a good idea to have tangible physical metals available to them when needed.[...]

An annual financial review with your planner is essential for keeping your financial goals on track. Life changes—like a new job, marriage, or retirement—can significantly impact your financial plans. Regular reviews allow you to reassess your investments, ensure you’re on pace for retirement, and adjust for any tax law changes. It’s also a great time[...]

The VIX, which represents future market volatility reached a high of 55 today. Typically, that index is around 20. It ended today at 39; still very high. The Dow and S&P 500 indexes have lost about 5% the past 5 days. The Dow is still up 2.6% this year, and the S&P 500 has gained[...]

The Benefits of a Health Savings Account (HSA) Health Savings Accounts (HSAs) offer a range of advantages for individuals looking to manage their healthcare expenses effectively. An HSA is a tax-advantaged savings account designed for those with high-deductible health plans. Contributions to an HSA are tax-deductible, reducing your taxable income and potentially lowering your tax[...]