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Archive for 2024
07.16.2024
Worried about the National Debt?
Concerns about the gross national debt, perennially in the background, have taken on a new urgency recently. Since the outbreak of the Covid-19 pandemic in 2020, total federal debt levels in the United States have been rising rapidly and are on track to exceed a record $35 trillion by the end of this year. This […]
06.19.2024
Mortgage or Money Market?
How to prioritize the order of savings is one of the most common questions that financial planners are asked. The list of possibilities is long: 401(k) or brokerage account? Roth IRA or Traditional IRA? Health Savings Account or College 529 plan? Sometimes the answer is relatively straightforward (e.g. pay off high interest debt), but many […]
05.20.2024
Why Didn’t 5% Rates Kill the Economy?
For the past several quarters, economic growth in the US has continued to surprise to the upside. While the economy tends to expand in most years, many analysts had assumed that growth would falter last year in the face of rapidly rising interest rates. In fact, by the end of 2022, the consensus view on […]
04.16.2024
Cognitive Biases in Investment Decisions
This month we have been discussing behavioral finance at Elevate, which is the study of how human psychology affects investment decisions. Behavioral finance may not have quite the rich history as the study of “rational” financial decisions, but it has nonetheless become a serious and well-supported academic discipline in top business schools across the country. […]
03.15.2024
Investing 101: Back to Basics
Welcome to Investing 101! This month we’re taking a step back to the basics of investments. Let’s delve into what investing is, explore various investment approaches, and uncover insights gathered over the years for a successful investment journey. First off, why do people invest? Well, it’s not just about making money, although that’s a significant […]
02.20.2024
Tax Planning Basics
Back To Basics With Tax Planning A truly comprehensive financial plan is the sum of many parts. While investments are an important component of any plan, tax planning can sometimes be overshadowed by investment planning, and it’s not hard to see why. Behind every potential stock investment is a company with a story, and people […]
01.23.2024
How To Keep Up With Inflation
One of the many lessons we’ve learned in the post-pandemic era is that people really dislike inflation. In poll after poll, respondents describe how inflation feels like an unfair tax levied upon them (whereas wage gains are something they have earned or deserve). Although the rate of change in prices has slowed dramatically from the […]