Economics is not a precise science. Central banks attempt to influence the economy through monetary policy(commonly by raising or lowering interest rates). The Fed uses monetary policy to attempt to achieve its dualmandate of price stability (low inflation) and full employment (economic growth).… Read More
A Quick Look at Your Life Insurance Needs You might consider a needs analysis in order to truly meet your objectives Have you ever wondered how much life insurance is “enough”? One general rule of thumb says that you should buy an amount equal to five to seven times your annual income.… Read More
Changing Times, Changing Needs Questions that all policyholders should ask themselves at least once a year When Judy purchased her life insurance policy 10 years ago, she thought her insurance planning was complete. She assumed that if she paid her premiums on time, she could sit back and not think about life insurance anymore.… Read More
Becoming Osaic I’m reaching out to share some exiting news regarding SagePoint Financial, the firm I use to support my business operations. SagePoint Financial recently announced that its parent company (formerly Advisor Group) adopted a new brand and name – Osaic.… Read More
Do you think you’re telling yourself the truth about money? We may think we know the facts about our finances. But our beliefs can often overshadow the facts. Our wishes, hopes, and fears can tip the scales away from the truth.… Read More
The Murkiest Part of Estate Planning is Talking Specific questions to help frame your thinking as you talk to your heirs The murkiest part of estate planning is to discuss when and how to distribute your assets to your heirs. This process requires a series of considerations and trade-offs to avoid emotion-laden family problems.… Read More
12 Estate Planning Must-Dos Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review. 1.  Do you have a will and powers of attorney for health care and property?… Read More
One is based on personal experiences and the other is grounded in theories As the digital age reshapes traditional norms, a dramatic shift in the sources of financial advice is emerging among young investors. Betterment, a leading online investment company, recently surveyed 1,200 investors from Gen Z to baby boomers about their preferred sources of financial information.… Read More
A word about recessions. Are we still going to see one this year? Let’s discuss. Why did so many people think a recession was coming? Inflation and interest rates, primarily. Historically high inflation has cast a pall over the economy since early 2021.1 In response, the Federal Reserve has raised interest rates rapidly to bring inflation back down.… Read More
The stock market (S&P 500 index) is up nearly 17% for the first half and has proven surprisingly resilient despite numerous challenges. These include ongoing recession worries, instability in regional banks, and high inflation. Download Full-Size PDF: Click Here On-The-Mark_-The-_Artificial_-Magic-in-the-Stock-Market-Rally-July-2023