The 4th quarter of 2024 saw a mixed performance: the US Stock Market grew at 2.63% followed by the Global Bond Market (ex-US) at 0.74%. The other markets fell, with Global Real Estate experiencing the steepest drop at -9.02%, followed by Emerging Market Stocks (-8.01%), International Developed Stocks (-7.43%), and
For self-employed individuals and small business owners, choosing the right retirement plan is a critical decision. Two popular options—the Solo 401(k) and the SEP IRA—offer unique advantages but serve slightly different purposes. This article explores their similarities and differences, highlighting why the Solo 401(k) may be the superior choice for
Should You Choose a 15-Year or 30-Year Mortgage? When buying a home, one of the most critical financial decisions you’ll face is choosing between a 15-year and a 30-year mortgage. This choice not only determines your monthly payment but also impacts the total interest you’ll pay over the life of
Why Most People Fail at Setting New Year’s Financial Goals (and How to Succeed) Every year, millions of people set ambitious financial goals for the New Year. They vow to save more, spend less, pay off debt, or finally start investing for the future. But as the months roll by,
As wealth management strategies evolve, one financial tool has remained a key consideration for high-income earners: the Backdoor Roth IRA. This strategy allows individuals who exceed the income limits for Roth IRA contributions to still take advantage of the tax benefits that Roth accounts offer. But how does it work,
There is a quote that has largely defined my life. When I have a choice to make – it helps me decide. My dad used to say to me, “Anyone can be an example. Choose to be a GOOD ONE.” It was important to him and my mom that I
DOWNLOAD THE PDF Each quarter, I look forward to writing this market update to share with our clients and our friends what we saw in the market over the past three months and what we see looking forward. It feels like time is in fast forward as the quarter end
The 3rd quarter of 2024 saw a strong performance with all Stock and Bond Markets across the world were up with Global Real Estate leading the way at 16.04%, followed by Emerging Market Stocks at 8.72%, International Developed Market Stocks at 7.76%, US Stock Market at 6.23%, US Bond Market
As an entrepreneur or a high-achieving sales leader, you likely wear many hats. You’re responsible for growing your business, closing deals, managing people, and ensuring that your company continues to move forward. Amid these many responsibilities, it’s easy to push aside your personal financial management. While taking control of your
With the election less than 6 weeks away many investors worry about how the election is going to affect their portfolio. The truth of the matter is that if you are a long term investor, jobs reports, GDP, and the election shouldn’t be something you should worry about. They are