Counteract Inflation with Your Financial Assets

Frank Yozwiak

Weekly Update

Key Takeaways Inflation in October 2021 was 6.2%, the highest in nearly 30-years. From 1914 to 2021, average inflation in the U.S. has been around 3.2% and the average return of the market (i.e., S&P 500) has been around 10-11%. While not without risks, investing in equities is a tested long-term hedge against inflation.   … Continued

End of Year Financial Planning

Andy Reynolds

Weekly Update

As we officially enter the month of November, it is hard to believe that Thanksgiving is just three weeks away.  Hopefully, this year brings back the celebration of holiday traditions and family gatherings.  However, before the sugarplums start dancing, we need to stay diligent and focus on year-end planning to ensure we are making sound … Continued

The Complicated Calculations of College Costs

Cameron Hamilton

Atheneum

Parents of college-bound students are dealing with a chicken-or-egg dilemma.  When it comes to student aid calculations, it just about requires a Ph.D. to understand how to fund a Ph.D.  Different schools use different methods to evaluate different families, and when they get the results, they interpret them differently!  Let’s wade into the wishy-washy world … Continued

Tax Management in Bull Markets

Cameron Hamilton

Weekly Update

How do we manage accounts when everything is up? With cooperative markets, many investors have accumulated substantial capital gains in their investment accounts. We analyze the trade-off between ideal allocation & paying tax to achieve it. In general, we advocate paying tax along the way to avoid over-concentration. When I was growing up, my granddad … Continued

The Power of Homeownership

Brian Burton

Weekly Update

Key Takeaways: Having a fixed-rate mortgage keeps a large portion of your budget constant versus the variability of rental costs Lower expenses in retirement creates more disposable income, greater flexibility in combatting rising costs, and the ability to invest Saving what’s left rarely works – making monthly mortgage payments creates a forced savings vehicle saving … Continued

College Savings Vehicles

Cameron Hamilton

Atheneum

So often in life and in financial planning, perfect can be the enemy of good.  This is certainly the case when it comes to saving for college.  There are many ways to go about it, but the most important choice is the choice to begin saving.  Nonetheless, we often meet parents of five- and ten-year-old … Continued

The Economy’s Return to Normal

Andy Reynolds

Weekly Update

Key Takeaways: Economic data indicates a return to pre-pandemic levels of activity A tight labor market has contributed to some wage inflation Inflation, wages/jobs, supply chain issues will continue to be areas of interest   As kids return to school, summer trips come to an end, and everyone starts to eye the holidays, investors and … Continued

Retirement Saving Myths and Misconceptions

John Boardman

Atheneum

We are fortunate to have a very educated and knowledgeable client base, but we are consistently surprised by the myths and misconceptions clients and prospects bring to the conversation. Below I have listed my Top 7 Myths and Misconceptions About Retirement Savings; it is by no means a complete list but highlights the most common misunderstood … Continued

The Unanswered Economic Questions About Hybrid Work

John Boardman

Weekly Update

Key Takeaways Remote work may be the largest modern shift in employer-employee relations Current tight labor markets have accelerated the trend, perhaps permanently These unanswered questions will determine the future of our economy The trend of changing office work environments is real and significant.  According to a recent study conducted by McKinsey¹ that surveyed 100 … Continued

Robinhood and a New Generation of Investors

Cameron Hamilton

Weekly Update

Warren Buffett is one of the most famously successful investors of all time and his firm, Berkshire Hathaway, trades today near its all-time high, closing Friday at $433,124/share.  Mr. Buffett has stated that he does not intend to split these original A shares as they attract like-minded, long-term investors.  However, Berkshire did issue B shares … Continued