As we enter the final weeks of summer, we wanted to share a concise update on eight key themes we’re currently focusing on in the financial markets, along with the strategies we’re implementing as we…
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June Newsletter | S&P 500 – an increasingly concentrated index
US equities have pleasantly surprised this year. Large-cap stocks in the US have shown impressive performance in 2024, particularly with the S&P 500 rising by nearly 15% since the beginning of the year (*as of…
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Why Beating the S&P 500 Isn’t the Goal: Focusing on Your Investment Outcomes
Understanding the Limits of Index Comparisons In the financial industry, there is a pervasive focus on benchmark-relative performance, particularly against the S&P 500. However, there is little education about how indexes are constructed, and this…
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Are Roth 401(k) Contributions Worth it?
Due to the SECURE Act 2.0 passed in 2023, more employers now allow employees to make Roth contributions to their retirement plans (401(k), 403(b), 457, SEP, SIMPLE, etc.). This change is driven by a new…
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May 2024 Newsletter | Concentrated Stock Ownership Challenges
US equities have been exceeding expectations this year. The performance of US Large-cap stocks has largely been fantastic in 2024, with the S&P 500 up almost 10% since the start of the year (*as of…
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Maximize your retirement savings with Post-tax contributions
Employees in both the private and public sectors have various options for saving for retirement. The most common retirement plans are 401(k)s, 403(b)s, and 457 plans, but others like SEP-IRAs and SIMPLE plans are also…
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April 2024 Newsletter | The Basics of Estate Planning
Estate planning stands as a fundamental pillar within a comprehensive financial plan, having significant influence both prior to and following one’s passing. Given the nuanced nature of each individual’s circumstances, the engagement of a professional…
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March 2024 Newsletter | Implications of a TCJA Sunset
The Tax Cuts and Jobs Act enacted under the Trump administration in 2017 brought with it major changes in the way of tax and other regulatory implications. As of now, TCJA is set to sunset…
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Embracing Diversification in a Tech-Dominated Market
The recent surge in the S&P 500 index has undoubtedly caught the attention of investors worldwide, presenting an image of robust market performance. While the overall index may seem to indicate broad-based growth, a closer…
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Why Diversify When Money Market Funds Are Paying 5%?
With money market funds currently offering a substantial 5% yield and the increased level of volatility in the stock market, it’s natural to question the necessity of diversifying into other asset classes. We certainly recommend…
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