With a little downtime myself, I took a step back and reflected on 2025, another year that reminded us how unpredictable life, headlines, and markets can be. Personally, I’m grateful to say the year brought more blessings than setbacks.
When most people think about investing, their minds jump straight to numbers: the size of their portfolio, the percentage return, or the total balance they hope to reach before retirement. While those numbers matter, they often distract from a deeper truth: investing isn’t really about accumulating wealth, it is about buying back your time and creating freedom.
The “One Big Beautiful Bill Act” (H.R. 1) was signed into law by President Donald Trump on July 4, 2025. This sweeping legislation includes tax changes, spending provisions, and funding cuts across various programs. Here are some of the items we’ve been highlighting.
There is no denying it: 2025 has been an eventful year for U.S. stocks. After the early bout of historic volatility—driven partly by tariff uncertainty, inflation worries, and trade tensions— U.S. markets have climbed strongly. The S&P 500 has delivered over 25 new all-time highs going into October.
We’re halfway through 2025 and it’s already been a wild ride with market swings being driven by trade policy shifts (tariffs), geopolitical tensions, and shifting expectations around Federal Reserve policy.
The short answer is “No”. The long answer is “Of course, someday, but not in the immediate future”.
When it comes to long-term care planning, one of the most valuable yet often misunderstood tools is Medicaid—a joint federal and state program that provides health coverage to millions of Americans.
Just a month ago, nearly every headline warned that tariffs would drive inflation even higher, compounding the existing inflationary pressures. But in the past few weeks, the market has written a completely different story.
Using AI feels akin to having a great intern who can handle a vast array of tasks with remarkable speed. Whether it’s drafting documents, analyzing data, or extracting information, AI performs these tasks in a fraction of the time it would take manually.
Our investing principles start with Stay Invested and be Diversified, but those are simply guardrails against fear and anxiety, even protection against greed. This is applied through our “Core and Tactical” approach to portfolio construction.