Our team of skilled professionals share their expertise on financial planning, wealth management, investing, the economy and the latest market trends.

 

Insights and Interests

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Social Security

Social Security cost of living increase will be 8.7% for 2023, this increase is not limited to people already receiving Social Security benefits. Additionally, other parts of the Social Security system: the wage base, earnings cap, and Medicare surcharge will be similarly impacted. Reference the full insight for more details.

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Life Insurance

Life insurance can play an important role in the risk management component of your financial plan. Life insurance and its cousin, disability insurance, protect your most important asset – you.

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Special Market Update

While we have experienced a few downturns in the past decade, the start to 2022 has certainly been an unsettling period for investors. In moments of market stress, it is always important to refocus on things that we can control and take advantage of any market mispricing.

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Education Planning

Graduation season is here and reminds us of the importance of education planning for our clients and their families. The task of preparing to send your student to college may seem daunting and there are many factors that should go into the decision, but active forethought and planning are crucial to properly financing your child’s education.

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P&C Insurance

Insurance has been on many peoples’ minds lately driven, in a lot of cases, by the myriad natural disasters and spikes in vehicle and parts related thefts occurring over the last couple of years. Disasters such as the Marshall fire that occurred just west of Denver in December 2021 and destroyed 1,084 residential structures, and the deep freeze that affected all of Texas and much of the Midwest February 2021, are just a few of the recent events that have taken a significant toll. The loss of life and economic damage from these events were catastrophic for those impacted. And although events such as these are out of our control, there are things that can be taken away from these events and things that you can do proactively to help minimize your potential for financial loss.

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Charitable Insights

Having a deadline is helpful to many of us. In such a busy world with so many things coming at us from different directions it is easy to put things off that don’t have a deadline. Most who are charitably inclined are passionate about the charities they support and often times are able to contribute additional funds because of the resulting tax benefit. The December 31st tax deadline, however, has moved most of us in the direction of gifting when that deadline nears. As that deadline nears this year, we encourage you to consider how your charitable ideals are being incorporated into your overall financial plan.

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Navigating Biden's Tax Plan

You’re probably familiar with the old Benjamin Franklin adage that “in this world nothing can be said to be certain, except death and taxes.” But when it comes to the tax code provisions themselves, the only certainty is that those provisions will change.

Given the prospect of future potential changes under the Biden administration, here are some helpful tools that we use when thinking about how those potential changes may impact taxpayers.

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Estate Planning Basics



Estate planning is a topic shrouded in myth, misinformation and emotion. Though the details can get complicated depending on specific situations, there are basics that provide a foundation for good estate planning. This piece will outlines:

- The four main methods property is distributed upon an individual’s death;

- The important components for an estate plan; and

- Why having a personalized estate plan is vital.


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Quarterly Newsletter

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Third Quarter 2022

Stocks and bonds declined for the quarter as markets continue to digest high inflation, continued monetary tightening, and slowing global growth. Nearly all major equity indices remain in a bear market. 

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Second Quarter 2022

Global equities and fixed income returns continued to be challenged in the first half of 2022 as “sticky” inflation, rising interest rates, the ongoing war in Ukraine, continued COVID-19 lockdowns in China, and slowing global growth weighed on investors’ minds.

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First Quarter 2022

During Q1 2022, global equity and fixed income returns were largely negative as persistent inflation, rising interest rates, and Russia’s invasion of Ukraine dominated headlines. We review these and other major drivers of the markets in this edition of our Quarterly Commentary.

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Fourth Quarter 2021

Although equities market returns were strong during 2021, we faced many challenges that will persist into 2022. However, the economy continued to advance as it continues to adapt to the everchanging COVID-19 landscape.

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View all of our past Quarterly Newsletters

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