Understanding Safe Withdrawal Rates in Modern Retirement

The question of retirement security weighs heavily on many Americans' minds, especially as we navigate through evolving economic and political landscapes in 2025. With retirement numbers reaching historical highs this year, understanding sustainable withdrawal rates...

Market Pessimism and the Importance of Staying Invested

A notable disconnect has emerged between investor sentiment and market performance. The timeless wisdom of Warren Buffett to be "fearful when others are greedy and greedy when others are fearful" remains particularly relevant today. Despite numerous economic and...

Policy Changes and Tech Disruption Shape January Markets

The financial markets began 2025 with mixed performance as investors navigated significant policy changes and technological disruption. The month saw President Trump's return to office, major developments in artificial intelligence from China, and the Federal Reserve...

How to Manage Market Volatility in Early 2025

Recent market activity has shown increased volatility, with the S&P 500 declining 4.3% from its December 6 peak while the 10-year Treasury yield has moved up from 4.15% to 4.76%. This shift reflects evolving market sentiment around several key factors including...

Three Financial New Year’s Resolutions for 2025

As we embark on a new year, it's crucial to consider our financial health alongside our personal well-being. Following two years of robust market performance and evolving economic conditions, now is an opportune time to evaluate and strengthen our financial...

How Behavioral Science Helps Avoid Financial Traps

Behavioral finance has shown that our emotional and psychological tendencies often lead to suboptimal investment decisions. Understanding these inherent biases is crucial as we navigate the financial markets, particularly following the substantial gains across...