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Thoughts in Charts: A Bumpy 2nd Year

Are we in for a bumpy recovery ride? The above chart shows the average implied volatility on the left axis during the second year of a bull market, which is represented on the bottom axis.   March 23rd will mark the 1-year anniversary…
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Thoughts in Charts: No Fighting It

One of the most common phrases in the COVID Crisis financial era seems to be “don’t fight the Fed”. While there is a lot of uncertainty in the economy, the influx in available money from the Federal Reserve and U.S. Treasury has been extensive.…
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ESG investing: Spotlight on board composition

It’s the annual proxy season, and many eyes are on investor votes concerning a variety of corporate matters including the election of board members. Suzanne Mestayer In a world increasingly focused on diversity, equity and inclusion,…
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Thin(k) About Your 401(k) Plan: Cycle 3 Plan Restatement Requirement

  Thin(k) About Your 401(k) Plan   Cycle 3 Plan Restatement Requirement     Have you ever received an email that seems frighteningly relevant, but you have no idea what it’s about?  Some of my clients have…
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The rise of ESG investing: It’s easier to make a difference

Sometimes we forget that money is basically a tool. It can be used for basic exchange needs like food, shelter, clothing and others, and it can be used as an investment tool to accomplish a variety of purposes. For financial advisors, a great…
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When Money Meets Meaning

Investing with your values is growing in popularity, but challenges remain. 12/31/2020  Suzanne T Mestayer It’s finally over! It’s an understatement to say that 2020 will go down as one of the most disruptive years in…
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Choosing the right financial road

When you don’t know where you are going, any road will get you there.  – Lewis Carroll. This is true in life, careers, and our financial futures. It is particularly relevant when the stock market is as volatile as it has been throughout…
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Thoughts in Charts: Do I Need That?

These two charts aren’t earth-shattering bits of new information; however, they did give me pause. I came across these while reading Jonathan McCarthy’s “Discretionary and Nondiscretionary Services Expenditures during the COVID 19…
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Thoughts in Charts: Quilting Lessons

My grandmother was a skilled quilter. She and I spent many summers in her sewing room meticulously building these works of art. I often would get so lost in the block-by-block detail, that I’d forget to step back and see what was really…
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Three Key Risks of Retirement

Ready for Retirement? As Boomers get older, we can expect that the number of retirees will grow each year.  After all, the oldest member of this generation is now 74 while the youngest is 56.  If we look at the statistics of Pew Research…