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Thoughts in Charts: Retirement Ready vs Debt Free

This week’s chart illustrates why I encourage people to consider their retirement savings with the same weight as they consider aggressively paying off debt. The idea of living debt free is so catchy and liberating, but what if it’s…
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Thin(k) About Your 401(k) Plan: In-Plan Roth Conversion

The Small Business Jobs Act of 2010 modified by The American Taxpayer Relief Act of 2012 gave retirement plan sponsors the ability to offer in-plan Roth conversions.  Additionally, plans that don’t currently offer the provision can add…
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Thoughts in Charts: Beware of the 1-Year Returns

Trailing returns can be a fickle beast. We are about to see dramatic examples of why rolling returns can often convey a deceiving message, especially when it involves an unprecedented time period like 2020. The intense market drop in March…
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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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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…