How To Invest with Clarity Through Market Volatility

Key Takeaways

• There’s a lot of noise in markets today: Keeping an eye on big picture developments and avoiding the daily barrage of dramatic headlines is key for investing in this environment.

• Income Over Interest Rates: The current environment offers a unique opportunity to lock in high-quality yield with minimal duration risk, we continue to like optimizing for income.

• Equity Shifts: Diversifying some equity exposure, especially into regions and sectors that have been less favored recently, is attractive today. Though we maintain the thesis of owning companies with fast rivers of cash flow.

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How long should I keep records?

The length of time you should keep a document depends on the action, expense, or event which the document records. Generally, you must keep your records that support an item of income, deduction or credit shown on your tax return until the period of limitations for that tax return runs out.

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Eight Habits for a Happy Retirement

Most people think that planning for a happy retirement is all about numbers. It centers around one question: Do my financial assets — pension, 401(k)s/IRAs, Social Security, property, sale of a business, etc. — provide enough income to fund my desired retirement lifestyle? But ask any retiree, and they will likely tell you that is only half the story.

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Decoding Tariffs: What’s the Economic Impact?

Over the last several weeks, talk of tariffs has dominated news cycles.  The implications have stoked concern among CEOs and business leaders, who ship products around the world.  The disruption that tariffs could cause has also weighed on equity markets.  So what is the real economic impact of tariffs?  This article seeks to answer that question.

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How Much Does Long-Term Care Insurance Cost and Is It Worth It?

Many of us will need long-term care at some point in our lives.  Still, we often ponder whether Long-Term Care Insurance is worth the cost and elect to self-insure instead.  The National Council on Aging begins by taking a look at the real costs of care.

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2024 Couples & Money Study

We all look at money differently.  Couples are no exception.  Expectations or desires can be different.  So can each partner’s understanding of financial concepts and capacity.  Still, the desire for financial security is very prevalent, which is why communication will always be key.

2024 Couples & Money Study

Vanguard Active Fixed Income Perspectives – 1st Quarter 2025

Bonds appear well-positioned to make a significant contribution to portfolio returns this year.  In an environment where interest rates are projected to remain above inflation, the prospects for fixed income investment are favorable.  However, investing is rarely without risk.   Uncertainties surrounding consumer spending, tariffs, immigration, fiscal policy and deregulation could re-ignite inflation, derailing an otherwise favorable trajectory.

Vanguard Active Fixed Income Perspectives Q1 2025

New 2025 Income Tax Brackets are Set

The IRS has adjusted federal income tax bracket ranges for the 2025 tax year to account for inflation. Here’s what you need to know now.

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Talking to Kids About Money

It’s never too early to develop good money habits.  Starting the conversation when children are young will often have the greatest impact.   Here are some basics to help parents and grandparents begin the dialogue.

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2025 Outlook: Long-Term Perspective on Markets and Economies

The November election eliminated the cloud of uncertainty, that had lingered over 2024.  Looking forward, we expect to see an extension of the 2017 Tax Cuts, efforts to curtail illegal immigration, the threat and possible implementation of tariffs, the possibility of some reflation, and a slightly relaxed regulatory environment which could broaden the runway for banks, financials and health care.

See the report for further information:  January 2025 Outlook Report