Insights

This year has been filled with dismal financial headlines.  Crypto winter.  Stock market declines. Significant bond market losses.  Mortgage rates...

We hope that you had a wonderful Thanksgiving surrounded by friends, family, and football. Maybe you even bought a thing or two on Black Friday?...

[THE BAD] On January 3rd, the S&P 500 hit a yearly high of 4,796.64 On October 13th, the S&P 500 hit a yearly low of 3,491.59 A drop of...

The Consumer Price Index (CPI) was at 38 in December 1969. Currently, the CPI is at 297. Over the past 52 years, the cost of living has gone up 8x....

It Is ALL Noise It is difficult to be a long-term, goal-focused, plan-driven investor if you have access to television, the internet, or email. We...

As I write this note, the S&P 500 index is down more than 23% year-to-date.  In addition, the bond market is down around 14% year-to-date. There...

What is financial planning all about? We (Nic & Jeff) are goal-focused, planning-driven, long-term equity investment advisors. We are here to...

Is it possible that we have been thinking about risk & return our entire life incorrectly?   Higher risk equals higher return.   Lower risk...