Special Update: What the Fed Rate Cut Means for Long-Term Investors

Sep 19, 2025 | Financial Planning, Investing, Investment Planning, Markets, Retirement Income Planning, Risk Management

The famous investing principle “don’t fight the Fed” was coined in the 1970s but has only grown in significance. The idea is simple: the Federal Reserve’s monetary policy decisions can have important effects on markets and the economy, so...

How Reliable is Government Data? Creating a Balanced Economic Picture

Aug 12, 2025 | Financial Planning, Investing, Investment Planning, Markets, Risk Management

For investors trying to understand the economy, recent reports have provided mixed signals, even leading President Trump to fire the Bureau of Labor Statistics commissioner. The latest jobs numbers showed weakness and negative revisions, but there are also signs that...

What Debt, Deficits, and the Moody’s Downgrade Mean for Investors

May 21, 2025 | Investing, Investment Planning, Markets, Risk Management

Moody’s recent downgrade of the U.S. credit rating marks an official end to the country’s top-tier debt status. Following Fitch’s downgrade in 2023 and Standard & Poor’s move in 2011, Moody’s decision to lower the rating from Aaa to Aa1...

Planning for Rising Health Care Costs and the Role of HSAs

May 19, 2025 | Retirement Income Planning, Risk Management

The cost of health care continues to climb with no signs of slowing down, making it one of the most significant expenses in retirement. A 65-year-old retiring today could spend approximately $165,000 on health care throughout retirement, according to recent estimates...

What Bond Volatility and the Battle Over Fed Policy Mean for Investors

Apr 23, 2025 | Investing, Investment Planning, Risk Management

Just like in the stock market, greater uncertainty has led to swings in the bond market. These moves, driven by tariffs and a dispute between the White House and the Fed, have pushed interest rates and bond yields higher. While short-term volatility can often lead to...

What the Fed’s Rate Pause Means for Long-Term Investors

Apr 2, 2025 | Investing, Investment Planning, Retirement Income Planning, Risk Management

Federal Reserve policy has been a key driver of markets over the past few years. It’s not surprising to investors that changes in policy direction have resulted in market swings, most notably in 2022 when the Fed began to hike rates, and again last year when investors...