DOWNLOAD THE PDF Each Quarterly Newsletter we strive to focus on commenting on the previous quarter. However, after what has transpired the past 10 days in April it feels more pertinent to discuss what is going on right now, mixed in with some of what we saw during the first
The first quarter of 2025 started off on a positive note, with most major markets posting gains. Leading the way were International Developed Stocks, up 6.20%, followed by Emerging Market Stocks at 2.93%, the U.S. Bond Market at 2.78%, and Global Real Estate at 1.37%. On the downside, the Global
I love golf. But every day for the rest of my life? No chance. Thousands of people fall into the same trap when they retire: they assume that more leisure, more golf, more travel, more relaxation, is the key to a happy retirement. But after working with hundreds of retirees,
Once again, the BOI Reporting requirements have changed. The most recent announcements from the Financial Crimes Enforcement Network (FinCEN) and the U.S. Department of the Treasury provide some clarity and temporary relief regarding the Corporate Transparency Actās (CTA) Beneficial Ownership Information (BOI) reporting requirements. These developments, which could significantly alter
The BOI Reporting saga continuesā¦ In the latest development, the Financial Crimes Enforcement Network (FinCEN) has reinstated the Beneficial Ownership Information (BOI) reporting requirements under the Corporate Transparency Act (CTA). This follows a recent federal court decision that lifted the previous nationwide injunction, thereby reactivating the mandate for entities to
Starting in 2025, retirement savers in their early 60s will have an exciting new opportunity to boost their savings. Thanks to the Secure Act 2.0, individuals aged 60 to 63 will be eligible for increased catch-up contributionsāwhatās now being called the āsuperā catch-up contribution. This change aims to help older
Building a strong credit foundation for your child can set them up for financial success in adulthood. By introducing them to credit concepts early and guiding them through responsible money management, you can help them establish good financial habits. Here are five key steps to get started. 1. Start Early
DOWNLOAD THE PDF I look forward to writing this market update to share with our clients and our friends what we saw in the market over the past three months and what we see looking forward to the first quarter and the year 2025. I canāt believe another year has
The 4th quarter of 2024 saw a mixed performance: the US Stock Market grew at 2.63% followed by the Global Bond Market (ex-US) at 0.74%. The other markets fell, with Global Real Estate experiencing the steepest drop at -9.02%, followed by Emerging Market Stocks (-8.01%), International Developed Stocks (-7.43%), and
One of the biggest financial dilemmas people face is deciding whether to pay off debt or invest. The right answer depends on several factors, but a good rule of thumb is to focus on paying off any debt with an interest rate above 4% before prioritizing investing. Why 4%? The