Articles
These original articles are written by Dave Hamra and frequently appear in local publications. They are posted here to illustrate our philosophy and thinking.
New Year, New Law
Yes, it is true, Congress found some common ground and accomplished something that is (mostly) beneficial to taxpayers. Just before ringing in the new year, President Biden signed a new bill into law, known as SECURE 2.0. SECURE 2.0 brings significant changes to retirement accounts, many of which will affect our clients and their finances. Before looking at the new…
May the In-force Be With You
Even conservative financial instruments like life insurance need to be monitored.
DEJA VU ALL OVER AGAIN
The strong US stock market has led to a number of developments which are of concern to any seasoned market participant. And we have been here many times before.
Plan By Numbers Blog
Financial Planning simply illustrated by numbers, at our companion blog written by Denis Smirnov.
Tucson Monsoon – 2023 Update
After two big outliers in a row (2021 was 3rd wettest monsoon, 2020 was 2nd driest on record), 2023 followed last year as a comfortably "normal".
2023 Mid-Year Review
Reviewing 2023 Mid-Year results for various markets
FDIC – KEEPING YOUR CASH SAFE
As a follow up to Denis’ article about cash, and in light of the recent news involving bank failures, we thought it would be prudent to review how the Federal Deposit Insurance Corporation (FDIC) works and what it covers. The FDIC is an independent agency that was established by Congress with the goal of “maintaining stability and public confidence in…
Why Not Just Stay Safe In Cash at 5%?
With minimal effort, we can get you a 4.5% in a money market fund or 5% on a 3 month CD. Where things get trickier is when people ask "why don't I dump all my stocks/bonds and sit in cash at 5% until the market feels safe"?
Quarterly Economic And Market Reviews
Dave's quarterly reviews of markets, the economy and relevant current events. They include our thoughts on client portfolios and address timely planning issues.