Gratitude. Jessie. Take A Moment.

November, the precious month of Thanksgiving, gets shortchanged. At least that is how this month feels this year. Halloween stretched beyond a week with two weekend celebrations and a Tuesday night feast. No doubt children and dentists are thrilled. We blink our eyes and lights, wreaths, holiday flyers, music, trees, and colors start to appear. […]

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The Equifax Fiasco: How to Respond to a Data Breach

Amidst the fires in the west and the hurricanes in the south, and continual worry about friends and family located in all parts of the country, you may have read that hackers broke into the Equifax database and stole personal information tied to 143 million people. While the safety and care of people is most important, we […]

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Retirement Reality

Planning for retirement is one of the top three objectives of every client engaged in a professional financial relationship (even for those who are already retired). And, every financial advisor, every institution, every academic, every Tom, Dick and Harry has advice concerning how to save, how much to save, where to save…. for retirement. A […]

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Macro and Micro – How to “hold” it All

Pausing before I type, as I attempt to organize my thoughts from the spontaneous title that just swept through me, I note that we humans live moment by moment in the flurry of events. All of us abide in a world of macroeconomics, social systems, global issues that affect our microeconomics, our personal and social […]

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Transitions, Disruptions, Upheavals – Oh My!

The title of this article brings up emotions, feelings and concepts. Pause and notice what emotions, feelings and concepts are present for you. My guess is that on a continuum of ecstatic positive joy (left) and depths of despair (right), you might be in the middle but more likely closer to the right. Am I […]

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When Dropping Insurance Coverage is Not a Cost Savings

It is with a heavy heart I write this article concerning protection and unexpected consequences.  On April 7, 2017, my mother who lives 1,500 miles away was in a car accident.  She was driving a vehicle that was about 12 years old.   One of the items I thought I would not have to worry about […]

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What a Market Top Looks Like

The current bull market in stocks reached its 8th anniversary earlier this month, and for about the last four years, professional investors and financial planners have been scratching their heads. The markets have gone up and up and up, and we all know that they won’t go up forever, which means there’s a correction looming […]

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The Presidency and The Coming Bear Market

Over the last few weeks, we and our colleagues across the nation have been fielding calls from clients who are asking the kinds of questions that every professional investor hates to hear. The Dow has reached (and then fallen back below) 20,000. Should I take money off the table? My preferred candidate didn’t win the […]

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Slowing Pace of Consumer Spending

The US Bureau of Labor Statistics recently published their consumer spending trends report based on age groups.  This reports indicates that as the Baby Boomer generation ages, their overall spending decreases dramatically.  Since consumer spending represents about 70% of Gross Domestic Product (GDP), any trend that affects it is important! The chart below shows that […]

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