Free Credit Freezes Available Soon

The massive Equifax data breach occurred approximately one year ago, resulting in the theft of Social Security numbers, birthdates, names, addresses, and in some cases driver’s license numbers.  The number of individuals involved was staggering, nearly 147 million.  Shortly following the breach, Scott wrote a Viewpoint outlining potential countermeasures for […]


October Investment Comments

Against a backdrop of tariffs, Federal Reserve interest rate increases, and emerging market struggles, the S&P 500 steadily advanced to a new all-time record in late August.  This has now become the longest bull market in history, measuring 9½ years from the low of March 9, 2009. Common sense would […]


Donor-Advised Funds

Although we consider ourselves money managers, not experts on taxes or charitable giving, we think our clients should be aware of a potential tool for optimizing tax and gifting strategies. Donor-Advised Funds (DAFs) are charities whose purpose is to help donors give money to other charities.  They have existed for […]


September Investment Comments

U.S. economic indicators appear quite strong and supported an impressive 4.1% annualized growth rate in second quarter Gross Domestic Product.  Underlying growth would have been 5.1% excluding inventory de-stocking; ups and downs in inventories typically correct themselves the following quarter. Retail sales growth also remains solid, up 6.4% from last […]


August Investment Comments

Through mid-July, the S&P 500 is up nearly 5%, a respectable start following 2017’s strong performance.  The move higher has come despite what appears to be slowing, but still solid, global growth and concerns surrounding trade.  President Trump recently proposed tariffs on $200 billion in Chinese goods after Beijing responded […]


Retirement Savings vs. Education Savings

In most households, retirement and college savings are at the top of the priority list of financial plans.  Many parents ask if it is possible to pay for their kids’ college education and still afford to retire comfortably.  Conventional wisdom tells parents to prioritize their retirement savings before helping their […]


July Investment Comments

The S&P 500 mostly sputtered through the first five months of 2018, but a strong start to June has pushed its year-to-date performance up to +5.5%.  Renewed volatility has made this year’s gains feel hard-earned, even grueling.  It is somewhat difficult to believe that we are currently on pace for […]


Advantage Gambling

Sports gambling is a hot topic right now.  On May 14, by a 6-3 decision, the Supreme Court overturned a federal law that effectively outlawed most sports gambling.  The law included a few exceptions, the broadest being granted to Nevada. New Jersey, the home of Atlantic City, challenged the law […]


June Investment Comments

Investors in 2018 haven’t had much to cheer about.  The stock market is about flat.  The resumption of normal volatility seems abnormal because prior years were so placid in comparison.  Normally investors can seek relief in the bond market, but with both the Federal Reserve and a stronger economy pushing […]