Over the last two weeks, the FDIC assumed control of Silicon Valley Bank and Signature Bank. Both banks had experienced losses in their fixed-income portfolios and were unable to attract sufficient capital to meet the withdrawals of their depositors. Download Full-Size PDF: Click Here on_the_mark_03-22-2023
The FDIC took over Silicon Valley Bank (“SVB”) and Signature Bank last week. To boost the stability of the banking system, the government effectively protected all depositors in the banking system. While some risk remains, we believe the big systemic risks are now lower. … Read More
Last year was an exceptional year, and not in a good way. There was no shortage of worries during the year from COVID-19, the Ukraine war, and the most central story of all: inflation and interest rates. In this edition of On the Mark, we identify the impact of inflation on markets and whether investors should expect more of the same or changes in 2023.… Read More
Taxes are a top detractor from overall portfolio performance. Your financial advisor can help you implement strategies to make your investments more efficient. The Case for Tax Management Scenario 1: Tax-Managed Portfolio As part of an on-going tax management strategy, your financial advisor will consider opportunities to manage, defer, and reduce taxes to potentially improve your returns.… Read More
For many people, retirement income may come from a variety of sources. Here’s a quick review of the six main sources: Social Security Social Security is the government-administered retirement income program. Workers become eligible after paying Social Security taxes for 10 years.… Read More
According to Yale University’s Crash Confidence Index, only about 27% of investors are confident the stock market will not crash sometime during the next six months.1 But if fear leads investors to avoid the entire investment class, they may limit their potential returns.… Read More
Planning for your Social Security benefit isn’t just about estimating the monthly check you’ll receive in the mail. There’s a right way and a wrong way to look at Social Security. S The wrong way I need this money as soon as possible because I paid into the system and deserve it.… Read More
Information vs. instinct.  When it comes to investing, many people believe they have a “knack” for choosing good investments. But what exactly is that “knack” based on? The fact is, the choices we make with our assets can be strongly influenced by factors, many of them emotional, that we may not even be aware of.… Read More
An inside look at the workings of our Central Bank Have you ever taken a close look at paper money? Each U.S. bill has the words “Federal Reserve Note” imprinted across the top. But many individuals may not know why the bill is issued by the Federal Reserve and what role the Federal Reserve plays in the economy.… Read More
If you have yet to develop a retirement plan for your business, or if you’re not sure the plan you’ve chosen is the right one, here are some things to consider: How much can my business afford to contribute? The cost of contributions may be managed by the plan type.… Read More