To Inform: While we gathered with family, friends, and loved ones just a few weeks ago for the holiday season the U.S. Congress passed the Consolidated Appropriations Act of 2023. Although this Appropriations Act is largely a spending bill gaining notoriety for its $1.7 trillion price tag, it includes legislation within it known as “Secure […]

To Inform:  Last night we hosted a Portfolios at Your Place event where we unpacked eight key themes we think are key to navigating financial markets in 2023. Over the next several weeks, we will unpack those themes with our readers. Let’s look at two today. Inflation is Deflating Across almost every indicator you would […]

To Inform: In small pots in my basement there are a dozen American Chestnuts germinating. I investigate the pots daily, ensuring they’re getting enough moisture and enough light to properly germinate and send stems above the surface. Several have sent root radicles out of the chestnut with “green shoots” soon to appear. While a budding […]

To Inform: As we start 2023, we get a lot of questions about what the year may look like from a market perspective. “What do you think will happen this year?” “What does your crystal ball say?” I think investors are especially interested given what a difficult market year 2022 was. Last year has the […]

To Inform:   Each January it’s a tradition for us at The Joseph Group to talk about the big picture themes which could impact portfolios in the year ahead. Defining these themes is important for our portfolio management process because they point us toward potential actions we may want to take in the portfolios we […]

To Inform: This ‘To Inform’ article was originally published in the Fall 2022 issue of Harvest Magazine.     “It is always darkest just before the day dawneth.” – Thomas Fuller Optimism abounds for financial planners. No, we don’t have a crystal ball for where we might be headed, but it might surprise you to hear […]

To Inform:  A major disappointment for markets this year has been the absence of one of the key engines of global growth: China. Regardless of whether one is invested in Chinese stocks, the impact China has on global markets is profound. We’ve seen this play out in a variety of ways over the last three […]

To Inform: As we enter the end of the year, many people who are Social Security and Medicare age are receiving their notices about the changes for next year. The good news is that Social Security benefits are going up by 8.7% next year, which is one of the largest increases on record! The bad […]

To Inform: Last night we hosted a Portfolios at Your Place event to a capacity crowd of Joseph Group clients and friends. We talked about a multitude of topics, but I want to share a few key highlights. Post Mid-Term Elections Regardless of how an investor may feel about the mid-term elections politically, historically, the […]

To Inform:  The onset of Autumn is a reminder for many things, cooler days and brisk nights, football, the forthcoming holiday season, and Required Minimum Distributions. Ha! What is a Required Minimum Distribution? A Required Minimum Distribution, often abbreviated as RMD, is the minimum annual amount you must take from retirement accounts to satisfy federal […]