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October 2, 2025
A government shutdown occurs when Congress fails to pass a budget or short-term funding bill to keep federal agencies running. While shutdowns vary in length, they can cause financial stress for federal workers, disrupt services, and create short-term economic ripple effects. Also, do government shutdowns negatively impact the stock market?
October 1, 2025
September 25, 2025
This article highlights some of the most important information regarding the One Big Beautiful Bill Act (OBBBA) that President Trump signed into action earlier this year and how it could impact your financial plan.
September 18, 2025
If you’ve ever searched for financial advice, you’ve probably noticed that not all “financial advisors” are the same. Some sell products, some earn commissions, and some are legally required to put your interests first—while others aren’t. In this article, we’ll break down threeimportant terms you’ll often hear: fee-only advisor, fiduciary, and independent advisor.
A 529 plan is a tax-advantaged savings account designed to help families pay for education costs. These tax-advantaged accounts, are designed to help families cover education costs while also offering unique tax benefits.
September 5, 2025
What is an ETF? What is a Mutual Fund? How are they different from one another and which is better?
August 21, 2025
If you’re a working professional saving for retirement, chances are most of your wealth is tied up in your 401(k). But one of the biggest questions we hear from clients is: “Should I put money in a Traditional 401(k) or a Roth 401(k)?”The truth is, both accounts are powerful tools — but the right choice depends on your income, tax situation, and future goals.
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.
May 25, 2022
August 14, 2025
