Business owners agree that having a robust benefits package is critical to attracting and retaining top talent. Included in that package is a retirement plan, typically a 401(k) plan, with some type of employer contribution to give employee savings a boost. But what happens when employees aren’t taking care of their end of the bargain […]

To Inform: No one likes losing flexibility, especially when it comes to finances. Thanks to some recent changes through the SECURE Act and new IRS guidance, inherited retirement accounts suddenly became a lot more rigid. If you inherited a retirement account in 2020 or later, you might be subject to required minimum distributions (RMDs) starting […]

To Inspire: Philo of Alexandria said, “Be kind. Everyone you meet is fighting a terrible battle.” Or, if they’re not now, they likely have in the past…or they will be in the future. Everyone. I had my second meeting with Bob yesterday. Our first meeting was a month ago. That conversation was just of the […]

To Inform: Recent economic data has confirmed the recovery is on a solid footing. Retail sales, surveys of manufacturing and service businesses, and jobs numbers have all shown tremendous strength in recent weeks. With so many focused on the immediate reopening of the economy, it is worth asking what might come next. Is this just […]

To Inspire: Continuing from last week’s Wealth Notes, we share excerpts from last five of Eleanor Roosevelt’s Eleven Keys For a More Successful Life, from her book, You Learn By Living (if you missed the first six keys, you can read them here). Enjoy! The Right to be an Individual – We are facing a great […]

To Inform:  Cyclical stocks are found across a range of sectors and are those most tied to changes in the broader economy. They’re often in the front row seat for any sort of economic slowdown (e.g., homebuilders and banks in 2008-09), but can be one of the better ways to play a strengthening economy. While […]

To Inspire: One of the most beloved figures of the 20th century, Eleanor Roosevelt remains a role model for many for a life well lived. At the age of 76 she penned a simple guide to living a fuller life, “You Learn by Living: Eleven Keys for a More Fulfilling Life.” In this issue of […]

To Inspire: I started some seeds – peppers, tomatoes, some herbs – in late February, and the tiny seedlings are currently taking up space in my laundry room. I’ve never been a fan of Ohio winters, and looking forward to time in my garden helps get me through the late winter days. Author Miriam Diaz-Gilbert […]

To Inform: President Biden released his infrastructure proposal earlier this week. Let’s review some of the facts and share thoughts about how further stimulus may impact markets. The White House proposed spending about $2.2 trillion (with a T) over the next 10 years. The spending consists of $1.7 trillion in investment in physical infrastructure with […]

To Inform:  Not long ago we were brainstorming New Year’s Resolutions. Some people went with perennial favorites – more exercise, eating healthier, more family time and travel (especially as Covid-19 subsides), while some resolved to get their finances in order. What better way to achieve that goal than to start with a budget? Why even […]