What is Tax-Loss Harvesting?

It certainly never feels good to lose value in your investments, and we understand that no one begins investing with the intention of losing money! However, the inevitable ups and downs of the stock market will occur. The premise of TLH is to sell some of your investments at a loss to offset gains you may have realized from selling other investments that increased in value…

What is Loss Fatigue?

This year for investors has been unusually difficult and painful. After many years of positive market returns even in the face of things like Covid-19, threats of trade wars, and geopolitical events like Brexit and the Greek Debt Crisis, 2022 is producing our first truly substantial downturn since the Great Financial Crisis in 2008. While market volatility isn’t new for investors, the length and duration of the drawdowns in the markets feels new and different for many investors, because it is. For the first time in almost twenty years, many investors are having to grapple with Loss Fatigue.

2022 Third Quarter Update

If you’ve ever spoken to anyone who has run a long-distance race, swam an endurance swim, or competed in an endurance event of any kind, they will tell you about the euphoric moment of finishing or even winning the event, but often the pain of training and enduring is left out. Similarly, when investing we talk about our wins or how we completed our financial goals, but we fail to share the pain or anxiety that comes with that at times. Unfortunately for many of us in our marathon of investing, we are in the midst of training season and now is a difficult time.

I Bonds- Treasury Securities for Inflation

What are I Bonds?

I Bonds are savings bonds that earn a combined interest of the rate of inflation and a fixed interest rate for the life of the bond. Through the end of October 2022, a I Bond is paying over 9% in interest.

Hurricane Preparedness & Insurance Check Up

Hurricane season is upon us! Actually, it’s been here for a while. Officially, it runs from June 1st to Nov 30th.  But the hot season is fast approaching and it is always worth talking about hurricane preparedness items and, no, we don’t mean the usual items – batteries, water, supplies. Yes of course, all of those are important, but we want to focus on protecting your assets: Like your home, for example!

Q2 Market Update

In November of 2019, I had the opportunity to visit the JPMorgan Headquarters in New York for a conference and attend an economic update by one of my favorite economists, Dr. David Kelly. His presentation was being prepped to begin and was titled something like “2020 Vision: Insights for Next Year”.

A Shady Tree

“Somebody’s sitting in the shade today because someone planted a tree a long time ago.” – Warren Buffett
A book that I recently have been enjoying is called “Simple Wealth, Inevitable Wealth” and throughout this book the author quotes Warren Buffett. In particular, this quote stands out to me. Think about planting a tree in earth. It will inevitably take root and grow over time.

Scratch Golfers

I once read from Nick Murray that scratch golfers don’t necessarily hit the largest number of great shots, but that they actually just hit the fewest number of terrible shots.

The Behavior Gap

This term, behavior gap, was originally coined by Carl Richards, and it refers to this idea that there is a difference between a wise financial decision versus what we may ultimately do based on our emotional decision making.