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Archive for 2024
09.18.2024
How Will Interest Rate Cuts Affect the Stock Market?
In the past few months, the U.S. labor market has started to show unmistakable signs of softening; the unemployment rate has ticked up from a recent low of 3.4% to 4.2% today. Growth in monthly payrolls has slowed from an average of approximately 250,000 to below 150,000. These statistics have gotten the Federal Reserve’s attention; […]
08.12.2024
Bonds are Working Again
Investors could be forgiven for feeling a little frustrated in early 2023 when they reviewed their year-end statements. Stocks, bonds, and real estate investments all produced negative returns in 2022, impacted by an aggressive rate hiking cycle implemented by central banks around the world. The sharp rise in interest rates led to painful corrections across […]
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 […]
