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Putting Your Cash To Work
In response to 11 Fed interest rate increases since March 2022, savers should reconsider the wisdom of “parking” cash in a traditional bank savings account and explore investment options that carry relatively low risk in today’s higher interest environment. The rise in interest rates offers...
Managing Risk
Since the birth of our nation, risk has been a fundamental component of our free market system. As fiduciary advisors, helping our clients prudently manage risks is a key part of our responsibility. The process of evaluating and managing risk is not a simple task, however, and over time various...
Strategic Options for Education Savings
One of the best gifts you can give your children or your grandchildren is to plan ahead to help reduce their student debt burden in college and beyond. Nearly 44 million Americans have student loans valued at more than $1.57 trillion, as of August 31, 2023, according to the New York Federal...
Estate Planning Mistakes to Avoid
According to Caring.com’s 2023 Wills and Estate Planning Study, 60% of Americans have a retirement account, but only 34% of Americans have a will. Estate planning is one of the most important strategies for our clients when it comes to long-term financial planning. Your estate plan should...
The Impact of the S&P Tech Industry Concentration
The technology industry has gained significant stock market influence since the widespread use of the internet in the mid-to-late 1990s. Many investors recall the initial "dot-com bubble" of the late 1990s, the highly speculative exuberance that followed from investors chasing fads, and the...
Nurturing Financial Responsibility
In a world where financial literacy and responsible money management skills are becoming increasingly vital, many families and individuals understand the importance of safeguarding assets which have been diligently saved and invested over a lifetime. As you consider your legacy, one question may...
Understanding the Laws That Protect Your Assets
The failure of First Republic Bankthis week marked the third major bank collapse in the past two months, following the demise of Silicon Valley Bankand Signature Bank in March. Combined, these three institutions had roughly $530 billion in assets and represented the largest bank failures since...
Understanding Stock Ownership, Earnings, and Dividends
Recently, a well-informed client asked me: "If I own 5% of a company's stock, does that mean I get 5% of the earnings?" It's an interesting question that got me thinking about company earnings, dividends, and valuation dynamics. The short answer is that owning 5% of a company's stock does not...
Inflation: Past, Present, and Future
Inflation has been a part of human society as long as goods and services have been exchanged for one another. In ancient Rome, emperors and senators actively tried to manage inflation by striking the ideal balance between money supply and growth. In the thirteenth century, King John of England...
Hayden L. Blow, TFG Research Analyst, Earns Chartered Financial Analyst (CFA®) Designation
We are proud to announce that Hayden L. Blow, Research Analyst, has recently earned the prestigious Chartered Financial Analyst (CFA®) designation from the CFA Institute. Blow is a key member of the firm’s investment team, with responsibilities including research, portfolio construction and trading.