Your company-sponsored 401(k): how and why to improve employee participation

By |2024-06-04T19:12:26-07:00May 30th, 2024|Blog, Business Owners, Institutional|

Imagine a tug-of-war, but instead of ropes, it's financial priorities. On one side, there's the immediate pressure of rent, car payments, groceries, and childcare. On the other, a secure and comfortable retirement down the line. For many employees, the future often loses this battle. A company-sponsored 401(k) plan can be a win-win scenario for [Read More]

How pre-retirees can plan ahead for the long-term care reality

By |2024-04-29T15:18:31-07:00April 29th, 2024|Blog|

The U.S. population is aging. By 2034, all baby boomers will be older than 70 and older adults will outnumber children for the first time in U.S. history, according to Census data. With age comes a greater risk for chronic diseases and conditions—yet most adults are not facing this reality head-on. People tend to [Read More]

What really matters in the economy and markets from the first quarter of 2024

By |2024-04-25T15:44:55-07:00April 25th, 2024|Blog|

News vs. noise Is there still a chance of a recession? Inflation has small a surprise uptick, Fed interest rates remained unchanged, causing bond to wobble since investors were hoping rates would fall. Stock markets, especially many of the biggest stocks performed well yet again. However, some mega-cap stocks cooled, it wouldn’t be surprising [Read More]

What the evolution of wealth management means for Generation X and retirement

By |2024-04-08T16:12:50-07:00April 8th, 2024|Blog, Fiduciary, Financial planning tips and perspectives, General thoughts, Investment Management, Personal Wealth|

A recent financial literacy study from Investopedia shows Generation X (or Gen X) is invested in—and concerned about—retirement. Currently between 44 and 59 years old in 2024, Gen Xers recognize that it’s time to get serious about retirement savings.  The study showed the top 3 worries for Gen Xers are retirement (21%), followed by [Read More]

Q1 2024 Summary – Higher Forever?

By |2024-04-18T14:05:54-07:00April 4th, 2024|Uncategorized|

Macroeconomic Environment While it may feel like we are in a “higher forever” world with respect to stock prices or interest rates, we know this scenario is implausible, if not impossible. Amid a backdrop of low volatility mixed with investor enthusiasm (especially around anything to do with artificial intelligence) and better-than-expected economic news, the [Read More]

To lower your tax bill, avoid these 9 common tax-planning mistakes

By |2024-03-26T15:34:45-07:00March 1st, 2024|Blog, Financial planning tips and perspectives, Personal Wealth|

If you think your tax bill is too high, you’re not alone. Two-thirds of Americans feel like they spend too much on federal taxes—and that’s before tacking on property or state taxes. What if you could avoid some of the pains of tax season? From tax-deferred investing to charitable deductions and income deferrals, Americans [Read More]

Mastering longevity: Financial planning strategies for your health and your wealth

By |2024-04-25T16:08:26-07:00February 2nd, 2024|Blog, Financial planning tips and perspectives, Lifestyle, Personal Wealth|

The so-called “sandwich generation” is squished between their aging parents and adult children, like a piece of lettuce. That’s how some are now referring to Gen Xers (born roughly between 1965 and 1980). Between work demands, running a home, and responsibilities to both your parents and your children, midlife is often a time of [Read More]

Q4 2023 Summary – Grim economic forecasts successfully thwarted in 2023

By |2024-01-31T14:07:40-08:00January 29th, 2024|Uncategorized|

Macroeconomic Environment The most widely predicted recession in recent history did not materialize in 2023. In late 2022, 85% of economists polled by the Financial Times predicted a recession in 2023. Consumers were also gloomy, affected by post-pandemic blues and worries over rising inflation, especially gas and food prices, and stagnating wages. In 1Q23, [Read More]

What really matters in the economy and markets from the fourth quarter of 2023

By |2024-02-13T14:16:04-08:00January 24th, 2024|Blog|

News vs. noise Stock and bond markets came out better than expected in 2023 despite rate hikes, wars and collapsed banks, the chance of recession is dropping but still exists, markets may be more tepid in 2024, bonds got a boost at the end of the year. That and more in this quarter’s Quarterly [Read More]

Smart spending policy for endowments: How to avoid corpus erosion and fulfill your fiduciary responsibility

By |2023-12-19T18:55:46-08:00December 17th, 2023|Blog, Fiduciary|

Endowment fiduciaries are amazing people, sharing their time, and often financial resources, for the benefit of a larger goal for their communities. Many endowment committees of funds under $100 million, and especially under $50 million, however, are not fully optimizing their outcomes.  This can be due to gaps in their fiduciary, spending policy or [Read More]

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