Greetings, and welcome to 2026. A new year naturally brings questions about what lies ahead, especially after several years of strong market performance. Investors are wondering whether recent gains can continue, how interest rates may affect portfolios, and whether...
From the calm years before COVID, to the sharp spike during the pandemic, and now back down to about 3%, inflation has shifted in ways that directly affect how we plan for retirement. For more than a decade after the 2008 financial crisis, inflation barely registered....
A New Era for Public Sector Workers and Retirees Social Security has long been a crucial program in the United States, providing financial assistance to millions of retirees, disabled individuals, and survivors. However, for many public sector workers and retirees,...
When it comes to saving for retirement, there are two ways to do it. You can either make pre-tax contributions to a Traditional account or after-tax contributions to a Roth account. In this context, I am referring to using a 401k or similar employer-sponsored...
Using just a few categories to track your spending can help define your financial goals. As a financial planner, I help clients achieve their retirement goals. Seeing the joy they experience when they realize their dreams is one of the reasons I do what I do. Putting...
Is the stock market expensive? I was meeting with a prospective client recently and we were talking about whether now is a good time to invest or not. In his opinion, it felt like the markets are at a precarious level and over-priced. When I hear this sort of...
