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We publish a monthly newsletter, Paige's Ponderings, that is sent out directly to our clients. Recent editions can be accessed using these links:
Every quarter we analyze current market trends and consider broad financial topics. Our aim is to provide approachable content that is relevant to all of our clients.
While market conditions often dominate headlines, one of the most powerful, and controllable, drivers of long-term wealth is tax planning. For individuals approaching or already in retirement, thoughtful tax strategies can significantly enhance after-tax income, extend portfolio longevity, and create greater flexibility in meeting both lifestyle and legacy goals.
What we know: the stock market will go down. What we don’t know: when that’ll happen. We often hear clients and prospects repeat a version of “I don’t want to lose any money” or “isn’t the stock market too risky?”. By not investing in the stock market, you’re not eliminating risk, you’re just changing the type of risk you’re exposed to. Allowing inflation to erode purchasing power by not investing in the stock market is a serious risk in your retirement years.
Social Security, a once boring and dull topic of conversation amongst retirees, is making headlines. Much of the information and misinformation on Social Security follows clickbait titles that scare readers into believing that benefits will stop completely because Social Security is going to “run out of money”. We explore options available to extend Social Security benefits at their current levels. The sooner they are enacted, the less ‘painful’ they will be.
When people hear the term estate planning, they often think it’s only for the ultra-wealthy or something to worry about later in life. But in reality, estate planning is about protecting your loved ones, your wishes, and your legacy. Regardless of the size of your assets, having a plan in place ensures that your affairs are handled the way you intend, both during your lifetime and afterward.
While performance gets all the airtime, it is crucial to occasionally take a step back from the hard data and focus on another topic that affects every investor: behavioral finance. The way we think about money is shaped by our experiences, upbringing, and emotions, often in ways we don’t fully recognize. Understanding these influences can help us make more rational financial decisions and avoid common pitfalls.
As we enter the new year, it’s a good time to revisit some of the fundamental principles that guide our investment philosophy, particularly the concept of diversification and why we do not aim to “beat the market”, namely the S&P 500 Index.