The Comprehensive Guide to Creating a Retirement Plan

As you approach the end of your working years, creating a comprehensive retirement plan becomes increasingly critical. One of the biggest challenges of retirement is the ability to actually STAY retired. In this guide, we outline a plan that can serve as a financial roadmap, guiding you through your golden years with financial stability and peace of mind.

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2023 Year End Market Update – January 10th, 2024

The fourth quarter of 2023 brought excellent results for both stocks and bonds, contributing to an overall positive year for financial markets and the economy, surpassing many economists and analysts’ expectations. Notably, inflation made significant strides toward the Federal Reserve’s 2% target, prompting indications that the Fed’s cycle of interest rate hikes has likely concluded.

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Market Update – December 29th, 2023

As 2023 concludes, markets have outperformed expectations, with the Nasdaq Composite up +44.2%, S&P 500 +24.6%, Dow Jones +13.8%, and Barclays AGG +2.5% as of close on December 28th. Even though stocks have done well in 2023, many remain below their all-time highs still, requiring more bullish sentiment to propel above past highs.

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Market Update – December 22nd, 2023

Amidst a holiday week, economic indicators presented a mixed outlook as stocks continued their rally. Existing and new home sales continue to show the impacts of higher mortgage rates, with sluggishness in both markets. December’s consumer confidence rose significantly in the month, however on the other hand, leading economic indicators for November declined, demonstrating a disconnect between current and forward-looking indicators

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Market Update – December 15th, 2023

This week’s market saw a rally fueled by disinflation and a dovish Federal Reserve meeting, with the Dow Jones hitting an all-time high. The FOMC meeting indicated discussion of a timeline for rate cuts in 2024, projecting a lower-than-expected Fed Funds rate with three rate cuts estimated to occur throughout next year. CPI and PPI data came in as expected and demonstrated continued disinflation in November. November retail sales data also showed strength in spending from consumers, however general merchandise sales did fall for the third month in a row despite the increased holiday spending overal

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Market Update – December 1st, 2023

Markets closed out November strong this week as equities rose alongside bonds. October PCE inflation data showed moderate inflation as expected, but consumer confidence remains low despite November’s slight increase in confidence as most consumers still believe in the possibility of a recession in the next year. Both new and existing home markets are weakening on higher rates, and the manufacturing industry continues to show some cracks. We look forward to continuing to monitor data as it rolls out.

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Market Update – November 17th, 2023

While various indicators like inflation, employment, consumer spending, and consumer confidence, point to an economic slowdown, the key question is whether this trend will persist as solely a slowdown or escalate into a recession, compelling investors to be patient for more data to roll out.

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