Beware of the S&P 500!!

What is driving the returns in the stock market this year?  There seems to be a disconnect between the economy and the stock market.  These are concerns I hear frequently.  You may be wondering why the annual return of a globally diversified portfolio...

2020 Year End Checklist

It’s hard to believe that 2020 is almost over. Normally we get a little nostalgic this time of year as we reflect on what has transpired so far. Not this year! We couldn’t be more excited to close the books on 2020 and get a fresh start in 2021. Hopefully, there is a...

Gold: Is it time to buy?

Gold has been the hot topic of conversation with volatility in the stock market at incredible levels this year and economic uncertainty running high.  The price of gold has risen substantially over the last few months as investor search for a safe haven for...

Should You Consider Refinancing Your Mortgage?

On July 16, mortgage giant Freddie Mac announced that the average interest rate for a 30-year home loan had fallen to 2.98% and the average interest rate for a 15-year home loan had declined to 2.48%. A 30-year mortgage at less than 3% interest? A 15-year mortgage at...

Does Diversification Still Work?

It’s no secret that investing in anything that tracks the S&P 500 Index has been one of the hottest investments over the last 5 years.  The performance of this index (made up of U.S. large company stock) is now in positive territory for the year after one of the...