Our Insights
Welcome! Here, we share insights, tips, and the latest developments related to personal finance. Whether you are seeking specific or general advice, you’ll find valuable information to enhance your knowledge and stay updated on our constantly evolving field. Please contact us if you do not find the information you are seeking. Happy browsing!
Market and Economic Commentary
2025 marked the third year in a row of double-digit stock market gains as the U.S. market, measured by the S&P 500, gained 16.4%. Global markets also rose, in many cases outpacing the US markets. Similarly, in the fourth quarter, the US market rose 2.4% while global markets outside the US delivered 5%, highlighting the benefits of global diversification. Despite periodic uncertainty throughout the year, market strength was supported by easing monetary policy, resilient corporate earnings, continued economic growth, and a further moderation in inflation.
Markets advanced in Q3 2025 as concerns over tariffs earlier in the year subsided. Investors took comfort in lower-than-expected final tariff rates and signs that evolving trade deals would limit economic disruption. Combined with renewed enthusiasm for artificial intelligence (AI) and a resumption of interest rate cuts, these developments fueled a strong rally.
Educational Resources
This presentation compares two popular savings options for education and minors: the 529 College Savings Plan and the Uniform Transfers to Minors Act (UTMA) / Uniform Gifts to Minors Act (UGMA) accounts. We'll explore their key features, benefits, and considerations to help you make an informed decision about which option best suits your financial goals.
When a loved one suffers from a disability, the challenges of managing day to day can consume your energy and make thinking of the future daunting. However, failure to plan properly may deny your loved one access to benefits.