Blog
Roth Conversions in a Post-OBBBA World: What to Consider Before Converting
You’ve probably heard of the One Big Beautiful Bill Act, or something close to it. We’re calling it OBBBA, and while it may not directly rewrite retirement account rules, it could have indirect effects that impact your Roth conversion...
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What the One Big Beautiful Bill Act Means for Your Financial Plan
On July 4, 2025, the One Big Beautiful Bill Act (OBBBA) was signed into law. This sweeping legislative package combines permanent tax reforms, new deductions, and significant spending changes across federal programs. Here are a few of...
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Rethinking Multi-Factor Investing: Is Smart Beta Smart?
I remember when multi-factor strategies became popular 15 years ago. They were marketed to add more diversification than the market while capturing the known risk premia – value, momentum, quality, volatility, and size – and were...
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What My Dog Taught Me About Loss, Grief and Life Insurance
My spouse, Jorvany, and I have two dogs: Max, a Terrier mix, and Nani, a Chihuahua. On July 4th, Jorvany left for a month-long trip to visit his family in Veracruz, Mexico. He took Nani with him, thinking it would be easier for me to...
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2025 Mid-Year Review
What a whirlwind were the first two quarters of the year! If we simply looked at year-to-date returns, it would seem like a pretty normal year. Up 6% for the S&P 500. Up 4% for core US bonds¹. Sectors that we have liked for a while,...
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Estate Planning Basics: What Everyone Should Know
When people hear the term estate planning, many assume it’s something only the wealthy need to worry about. In reality, estate planning is an essential part of financial planning for nearly everyone—regardless of age, income, or assets...
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The Case for Succession Planning
A business owner's mindset is often focused on long-term survival. Yet, according to the U.S. Bureau of Labor Statistics, only 25% of new businesses survive 15 years or longer. In the early years, owners are typically laser-focused on...
Read MoreTen Items Often Overlooked in Your Life Insurance Policy
Insurance Blogs Life insurance policies are incredibly detailed, and even a good policy might not cover everything you should know. Here are ten items every life insurance consumer should be aware of: • The Free Look Period: Every...
Read MoreBest Practices for Data Security
Nowadays, it’s extremely rare to meet someone who hasn’t encountered a cyber scam, phishing attempt, or identify fraud of some kind. Unfortunately, it’s a reality that these types of threats are omnipresent and only projected to...
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