2022 Year-End Planning
The Market Is Down – Can I still Retire?
We hear variations of this question often. Sometimes it sounds like this instead: “What if the market goes down after I retire?” Concerns about bear markets during retirement are common and can be exceptionally prominent for clients who have not yet made that leap. The third quarter of 2022 closed on Friday, and markets have […]
The Fixed Income Curve Continues to Tell a Cautionary Tale
The US Treasury Curve is the most inverted it has been since 2000 and Yields are the highest they’ve been since 2006 — reinforcing growth and investment concerns still to come. Many investors are asking — “When will my bonds have a positive return again?” Rates are still going higher for structural and cyclical reasons, […]
Non-Traditional Insurance Alternatives for Small Business Owners
Insurance can be one of the larger fixed expenses within every Americans yearly budget. If you are a small business owner you will also be painfully aware of the cost of Worker’s Comp insurance. For industries that are considered high risk, this might mean an additional 15 cents on the dollar of wage expense you […]
Meet our new Associate Financial Advisor – Stan Moiseev
All Good Things, Part 2
Here we are- my final APCM blog. Thank you to my collaborators at APCM and APCM Wealth Management for Individuals. It’s been a great ride and fantastic opportunity. They gave me a chance at a moment when I was in transition and starting a new business. They are client #001 in my client database, and […]
Choppy Waters
We all know that 2022 has been a year of increased volatility in financial markets. Fixed income securities are often looked to as a safe haven to protect a portfolio during such times. However, above trend inflation and contractionary monetary policy, among other factors, have led stocks and bonds to exhibit much higher than average […]
Education Funding – 529s vs. Roth IRAs
