Financial Planning Moves to Make Now
2022 has proven to be a very challenging year for investors to navigate and the third quarter of the year did not deliver better news. Despite an equity market rally early in the quarter, the month of September delivered more bad news and our U.S. equity market index lost another
2022: Weathering the Financial Storm
We are only halfway through 2022, but most Americans have had enough bad economic and investment news to last several years. How bad were the first six months of 2022? Early in 2022 inflation touched rates that have not been seen in forty years, inflicting widespread pain on Americans whenever
Do Market Downturns Lead to Negative Return Years?
Domestic and international equity markets experienced sharp selloffs in the first quarter of 2022, leading to widespread investor concern. Compounding the bad news from equity returns in the first quarter are three factors causing anxiety for investors: 1) high inflation rates that haven’t been seen in 40 years, 2) the
Navigating the Road Ahead
Call it the perfect storm of negative financial forces if you would like, but regardless of the description used, the economic and investment market events of the first quarter of 2022 have left many investors fumbling for answers. Consider the following data observations and the impact each has on the
Looking Ahead to 2022
Coming off an especially strong year for equity investment returns, it is not unusual for investors to ask “what’s next?” for markets in 2022. There may be no more appropriate answer to that question than the standard investment disclosure of “past performance is no guarantee of future results.” As we
Economic and Market Review 2021
After one of the most difficult years in decades, 2021 may have been one of the most eagerly anticipated years in recent memory. Emerging from 2020, a year marked by quarantines, lockdowns, cancellations, and economic shutdowns, the entire world longed for a return to some semblance of normalcy. Investors were
All Time High Anxiety
Investors are often conflicted about record-high stock prices. They are pleased to see their existing equity holdings gain in value but apprehensive that higher prices somehow foreshadow a dramatic downturn in the future. And they may be reluctant to make new purchases since the traditional “buy low, sell high” mantra
How Should Investors Handle Inflation
One of the biggest financial stories of 2021 has been the surge in inflation. Disrupted supply chains, shortages of willing workers, rising energy prices and increased consumer spending have all contributed to inflation increases not seen in over a decade. The Labor Department recently announced that September’s consumer-price index (CPI)
Record Amounts of Wealth Held by Retirees
Older Americans own more wealth today than they have at any other time in the history of the United States. While that may seem like it is good news for retirees, it poses some concerns as well. According to data collected by the Federal Reserve, Americans aged 70 and older
What’s the Best Age to Claim Social Security Benefits?
Over the past few months, I have met with a significant number of current and prospective clients who have had questions related to or directly pertaining to the best age to claim Social Security retirement benefits. These discussions revealed that there is a fair amount of confusion in the public
One Year Later: What is Normal?
Twelve months. One’s perspective on that measure of time inevitably changes as you progress through life and may depend, in part, on your chosen profession or occupation. For many investors, we often measure the passage of twelve months by the returns our portfolio earned. Twelve months ago, the world we
Timeless Investing Lessons from David Booth
In 2021 Dimensional Fund Advisors (DFA) reaches a major milestone as it celebrates forty years of providing money management and investment solutions to investors all around the globe. Founded in 1981 by co-founders David Booth, Rex Sinquefield and Larry Klotz in Chicago, DFA has changed the investing landscape and empowered