Insights

Our insights into Markets, Investing, and much more. 

Investor Commentary Q2 2022


Investor Commentary Q2 2022 Key Takeaways:Putting 2022 in PerspectiveOver the past 2 years, we enjoyed a huge increase in values. The “cost” of admission to this type of performance is the acceptance that markets like the S&P 500, have dipped 14% once a year on average. While things are down, investors don’t truly lose money

Investor Commentary Q2 2022

The Deceptiveness of ESG Funds


The Deceptiveness of ESG Funds  ESG funds have been under scrutiny lately with allegations of greenwashing and calls to reform the entire system. Part of the problem is a lack of regulation around ESG ratings. Many investors think a fund with a high ESG rating must have high impact—after all, it did get a good

The Deceptiveness of ESG Funds

How To Teach Kids About Finance


How To Teach Kids About Finance My favorite part of financial planning is telling a client they have reached financial freedom. However, for many of our clients this brings up a more complex planning need, passing that wealth to their children. Recently we’ve been helping parents grapple with the paradoxical fact that their children will

How To Teach Kids About Finance

Does Medicare Provide Enough Coverage?


Does Medicare Provide Enough Coverage? A big concern among our clients has been planning for their healthcare costs as they age, and that expense will only grow. It’s no secret that healthcare costs are rising; JP Morgan’s 2022 Guide to Retirement says that retirees should plan for a 6% annual healthcare cost inflation rate. Some

Does Medicare Provide Enough Coverage?

Investor Commentary Q1 2022


Investor Commentary Q1 2022 Risk markets moved in a W shape last quarter: down-up, down-up to end slightly down for the quarter. This is good news for those concerned with beating the S&P 500, many of whom outperformed the index. In addition, they held their wealth at comparable levels to those at the beginning of

Investor Commentary Q1 2022

Longevity Planning is the New Retirement Plan


Longevity Planning is the New Retirement Plan No one wants to talk about retirement anymore, but everyone wants to talk about longevity. As life expectancy increases, there’s more time to pursue more complex goals in a single lifetime—like new careers, expanding education, or new living arrangements. Therefore, the way we plan for those goals needs

Longevity Planning is the New Retirement Plan

How to Boost Your Tax-Free Retirement Savings


How To Boost Your Tax-Free Retirement Savings Roth and Traditional IRAs share a name but are total opposites from a tax perspective. Regular IRAs are tax deferred meaning you potentially pay the highest tax rates possible in the future whereas the Roth IRA incurs tax today in exchange for never paying any taxes in the

How to Boost Your Tax-Free Retirement Savings

Investor Commentary Q4 2021


Investor Commentary Q4 2021 Here comes 2022 or should we say 2020 two? As of this writing, the news and culture feel a lot like it did back in 2020—a resurgent Coronavirus and worried public officials. However, there is a big difference. Back then, the virus and the economy were inextricably linked. Now, through the

Investor Commentary Q4 2021

Investor Commentary Q3 2021


Investor Commentary Q3 2021 At the end of last quarter, who would have believed my assertion that the resurgence of the Delta variant was the most likely challenge for investors? But that’s exactly what happened. Adding to market woes were Evergrande, Washington D.C stimulus and budget standoffs, inflation, and supply chain shortages. Lots of drama

Investor Commentary Q3 2021

What You Need to Know About Investing in the Market of Coronavirus: Delta Variant Edition


What You Need to Know about Investing in the Market of Coronavirus: Delta Variant Edition In 2020 coronavirus hit the stock market hard, causing the fear of a recession or financial crisis similar to what we had seen in 2008. Who would’ve guessed by 2021 after an economic recovery, we would have the same concerns

What You Need to Know About Investing in the Market of Coronavirus: Delta Variant Edition

Investor Commentary Q2 2021


Investor Commentary Q2 2021  Halfway through 2021 is a good time to evaluate the year so far. Market mood was characterized by optimism about growth accompanied by inflationary fears which both slipped back as the half ended. Looking ahead, let’s question the assumptions embedded in today’s market levels and think about the impact on our

Investor Commentary Q2 2021

Investor Commentary Q1 2021


Investor Commentary Q1 2021  Springtime brought investors a blossoming US economy accelerated by massive government stimulus. Such rapid growth is largely attributable to a resumption of demand as vaccine rollouts take effect and Americans resume travelling, working, and other activities outside of their homes. But it is also a consequence of the massive amount of

Investor Commentary Q1 2021

Is Your Estate Prepared for Your Untimely Death?


Dale Earnhardt was an extremely successful race car driver and one of the most significant figures in NASCAR history.1 In 2001 during the first race of the Winston Cup series that year, Earnhardt was killed instantly in a crash finishing his last lap.2 It was a tragic day for his family and the entire NASCAR

Is Your Estate Prepared for Your Untimely Death?

Investor Commentary Q4 2020


Investor Commentary Q4 2020 Happy New Year!Welcome to the roaring ’20s where we see a “Gatsby-Esque” boom for investors and the companies they own while unfortunately, the majority of people suffer a slide in their financial position. Asset owners have had a stellar pandemic thanks to the US Federal Reserve. Since Q1, the Fed has

Investor Commentary Q4 2020

How to Think About HSAs for Retirement Savings


How to Think About HSAs for Retirement Savings Health Savings Accounts (HSA) provide an extra layer of retirement benefits if used correctly. However, many people do not know the full potential of their HSA and follow common myths around HSAs causing them to leave retirement funds on the table.Here are 5 tips Camelotta advises our

How to Think About HSAs for Retirement Savings

"Investors are swimming against the tide with one arm tied against their backs. The tide consists of taxes, fees, volatility, inflation and life events and the only time-tested tools at your disposal boil down to diversification, compound interest, and time.”

Dana Grigg

President

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