What matters most in today's bond market? The honest answer is that no one knows exactly what the next 12 months will bring. But there are a few things we're paying very close attention to: The Federal Reserve: The Fed has made it clear that it remains data dependent. Rather than following a predetermined path,...
Deciding when to claim Social Security is one of the most important retirement decisions you'll make. Utilizing these benefits can begin as early as age 62, but claiming before full retirement age reduces your monthly benefit. For individuals born in 1960 or later, full retirement age is 67. Delaying benefits may mean losing out on...
Last month, the national debt crossed $40 trillion for the first time. While the total debt number is staggering, the cost of serving the debt matters more than the total amount. Interest rates are higher, and the cost of servicing the national debt has been rising mechanically as old bonds mature and are replaced by...
One of the questions we often hear from clients is: "Why should I own all these different types of bonds? Aren't bonds just bonds?" And the short answer is: no. Different Types of Bonds Can Serve Very Different Purposes Within a Portfolio. Each bond type brings its own combination of credit quality, income potential, tax...
October 13, 2026 | 12:00pm Central High-net-worth clients increasingly expect more than investment management from their advisor. They want coordinated guidance across the many moving parts of wealth—from tax and estate planning to business succession, risk management, philanthropy, and lifestyle needs. But for many advisors, building that level of support in-house can be costly, complex,...
The most common question we’ve been getting from clients these days is whether artificial intelligence (AI) is a bubble. It’s worth noting that “bubble” is a tricky word. We often apply it only after prices have already fallen. For instance, in 1996, the internet looked expensive. An investor who sold on that view missed four...
What is a “Bubble”—And How Does It Pertain to AI? In economic terms, a “bubble” occurs when prices for something like stocks or technology go up quickly, often beyond their true value, then ultimately crash (or burst) when investors recognize prices aren’t in line with value and attempt to quickly sell. The term itself...
The high net worth (HNW) market is expanding rapidly. Assets in the $5 million plus segment are projected to grow at an annual rate of 9.3%, surpassing $30 trillion by 2028.1 While financial advisors are eager to capture a share of this growing market, many are finding that the skills, tools, and infrastructure that have...
For the Last Few Years, Cash Has Had its Moment Money market funds and savings accounts have offered yields we haven't seen in quite some time, and for many investors, it has felt like a safe place to park assets while earning a decent return. So it's no surprise that one of the most common...
From emergency reserves and employer matches to HSAs, tax-deferred plans, and backdoor Roth strategies, this article helps high-income professionals and families build a tax-efficient savings hierarchy aligned with their income, tax situation, and retirement goals. A guide to building a tax-efficient savings strategy Saving for retirement can become more complicated as your career grows. A high-income...