December Captain’s Log A Peak Ahead To 2024 What does history tell us about the performance of the S&P 500 during U.S. Presidential Election Years? One common narrative floating around by media and perception of investors is that an election year is perceived to provide negative returns. I can think of a list of things…
Retirement can be an exciting yet daunting prospect. It’s a time to reap the rewards of your hard work and enjoy life to the fullest. However, the thought of retirement can also be intimidating, especially if you feel unprepared. If you’re planning to retire in 2024, there’s no need to be spooked. By taking proactive…
September Captain’s Log Reflect On Your 2023 Financial Goals As we approach the last quarter of 2023 let’s not be complacent in managing our personal finances! Let’s continue to be good stewards of the money we have each been trusted to manage. My wife and I have had conversations recently while revisiting our budget and…
Traditionally, September’s fall weather brings with it a fall in the stock market. The reasoning behind this notion is often attributed to various factors, including investors returning from summer vacations and reevaluating their portfolios, as well as corporations releasing earnings reports that might not meet expectations. In addition, some infamous historical market crashes, such as…
If you’re a small business owner and you don’t have an employee retirement plan, the clock is ticking… Effective November 1, 2023, Illinois will require employers with 5-15 employees to have retirement plans as part of the Illinois Secure Choice Savings Program Act. If you missed the deadline for companies with 16-24 and 25+ employees,…
Optimism And Pessimism Require The Same Amount Of Energy. Choose Wisely It’s the time of year when I traditionally write an article about goal setting and how to make this year your best year ever financially. The news headlines tell me that I should be writing an article about recession and how to protect your…
I’m Self Employed and I Don’t Know What To Do For Retirement Plans Being self-employed comes with so many great freedoms and rewards. There is nothing like the rush of entrepreneurism and watching the results of your hard work as you are building your own dream. We love to work with entrepreneurs for financial planning…
https://www.renozahm.com/staff-profiles/jared-arthur-clay/&sa=D&source=editors&ust=1633640745385000&usg=AOvVaw3f6Y_8EEFHomdt7ExPDEJb Don’t let the fancy name fool you. An estate sale is just a whole-house yard sale. No need to wear a suit and tie and carry a numbered paddleboard for bids. Roll out of bed, waltz in, and plunk down a few bucks for a surfboard, a paperweight shaped like a chicken, and 17…
This is a case of the “when” being the “why,” so let’s knock out two birds with one overachieving boulder. On a runway. When you’re ramping up for one of the biggest life changes—retirement—you’ll definitely benefit from having a financial advisor or suffer from the lack of one. Whereas you’ll retire once, we’ve helped more…
With tax season right around the corner, some of you may be a bit nervous. While 2020 has definitely been a different kind of year with some great tax breaks and incentives, paying taxes is still something most of us do not particularly enjoy. However, when you plan for your taxes by making the best…