Insights & Observations

Stay Informed

You’re busy creating your own success; to help you stay informed, we share our insights and observations regularly through our blog. Whether you want to secure your personal wealth, improve the lives of your employees or elevate your impact in your community, we invite you to read the topics that matter most to you.

  • Small business debt

    Using Debt to Get Your Business Through Coronavirus

    The decision to take on debt is a significant one for any business in normal times.  For businesses severely affected by COVID-19 shutdowns, debt-use consideration takes on heightened importance.  If your business is able to borrow or had credit lines available to draw down, the question becomes how to best use those funds to shore… [Read More]

    The rationale for investment manager changes

    Sometimes we have to change the investments we hold in our clients’ portfolios. We’ve talked about rebalancing and tax loss harvesting as ways to keep portfolios’ allocation in check and lower tax bills, but what happens when a specific investment manager of a mutual fund or other vehicles needs a change? How do we decide… [Read More]

    Retirement Plan audit ERISA

    How to pick an auditor for your company’s retirement plan

    Audit season is in full swing for retirement plans, and if your company has a “large plan” (defined as more than 100 participants) you are required to undergo an annual audit by a CPA. This requirement kicks in when your start-of-year participant count exceeds 120 for the first time. If your company sponsors a plan… [Read More]

    Q120 Quarterly Context Video

    How did coronavirus affect the markets as a wet blanket? How does the coronavirus stock market compare to another virus period? What’s next? Big government rescue packages. What caused the 1-year numbers to be only mildly negative? Why was the broad bond market also negative in March? What should you focus on now? The virus… [Read More]

    Drawing from experience to navigate uncertainty

    Every quarter we send a letter to our clients to set context around recent market activity.  This quarter, we are posting our letter here since it offers some reminders about how our experience and contingency planning get us through difficult times that we feel may benefit everyone.  These past several weeks have reminded us that… [Read More]

    Volatility, Optimism, and Q1 Market Details

    There’s no question we’re all living in unsettled times. Global citizens and the world economy are under stress, and uncertainty is heightened in all aspects of our lives. People are worried about their health, and that of family, friends, neighbors. Some have temporarily or permanently lost jobs or taken a hit to their income. Leaders… [Read More]

    rebalancing portfolio

    Why rebalancing your portfolio in the midst of crisis is essential for long term success

    In the midst of the COVID-19 pandemic, the term rebalancing now extends past investment portfolios as we all rebalance our lives around staying at home, creatively social distancing, and protecting our health. It is a rebalancing act that people did not anticipate; we’re all learning lessons that will linger on once this crisis is behind… [Read More]

    Business owners: Explore Paycheck Protection Program starting 4/3/20, and other programs

    Business owners & leaders: If your business has been adversely affected by the coronavirus directly or indirectly, explore the recent CARES Act Paycheck Protection Program (PPP) forgivable loan, Disaster Loan (& grant) Assistance, or Employee Retention Credit program. The PPP started 4/3/20 for small businesses, and 4/10/20 for sole proprietorships and independent contractors. These programs… [Read More]

    The CARES Act: help for individuals and small businesses

    As we adjust to the effects of COVID-19 in our lives, we wanted to provide some information for individuals and small businesses about the stimulus package passed by Congress on March 27th  The Coronavirus Aid, Relief and Economic Security (CARES) Act, as well as previously announced tax filing relief, should help with business and personal… [Read More]

    CARES Act helps your business: relief for your retirement plan participants

    The Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law on March 27, 2020, and includes provisions to assist retirement plan participants impacted by the COVID-19 pandemic.  For plan sponsors and their participants, this Act can provide essential financial help to many employees.   The new law provides distribution and loan relief to… [Read More]

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