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August 16, 2025
The S&P 500 has dominated in recent years — but history shows it’s far from invincible. See why concentrating only in U.S. large-cap stocks could mean missed opportunities, higher risk, and weaker returns over time — and why true diversification matters.
August 15, 2025
Most people think they can just put all of their money in an S&P 500 index fund and not worry about concentration risk. After all, you're investing in 500 companies right?It isn't as straight forward as that, the S&P 500 is a lot more concentrated than people think.
On April 3rd, 2025, global stock markets took a hit following the announcement of new tariffs by President Trump. Each index recorded its steepest single-day decline since March 2020 during the COVID crash. On April 4th, markets continued downward, rounding out nearly a 10% loss in just two days.
HNWIs should ask five key questions to guide thoughtful financial decisions: What are my biggest risks? Am I prepared for tax/economic shifts? Where are my critical documents stored? What legacy do I envision? And how often should I review?
Retirement isn’t just when—it's how much you need to preserve your lifestyle long-term. Use life-cycle consumption smoothing: balance living standards now and later, avoiding extremes in spending.
Permanent life insurance offers powerful tax benefits: tax-free retirement income via policy loans, enhanced investment performance and stability, and unmatched control over income, taxes, and legacy planning.
August 14, 2025
May 25, 2022
