In this letter , we attempt to calm the nerves of our clients. Although most say they’re OK, we are always concerned about anyone losing sleep over short-term paper losses in their portfolios.

Arguably the most important decision when selecting a financial advisor is also the most misunderstood.

The evidence is so clear that the debate between active and passive management is over - passive is the clear winner!

Forming good savings habits at a young age will pay dividends on top of dividends. Starting early with the right plan is a key to success.

Hot stock tips and investment fads have been around for a long time and will be around for as long as people are driven by greed and the dream of easy money. How to identify these fads and ignore them is a key part of a good long-term investment program.

It comes as no surprise that we may be headed for a slowdown in the economy. Starting with high inflation sparked by excessive free money from the government, restrictive energy policies, supply chain disruptions, and now the war in Ukraine, it is not unexpected that the economy may be headed for a reset.