Market Updates


February 21, 2024
Taxes are a central consideration, as is your current tax bracket and your expected future tax bracket. If you expect your tax bracket to rise in the future, converting to a Roth can be advantageous.  The reason being that you will be required to …

How Biases Affect our Decisions, or We’re Only Human!

February 14, 2024
As humans we are prone to making decisions based on emotions, and investment decisions are no different.  Below are some investment biases to be aware of that may affect investment decision making. Herd mentality bias is the tendency for investors…

What is the relationship between risk and growth?

February 07, 2024
The relationship between risk and growth can be complex and depend on various factors.  We often face risk in our daily lives and how we respond to risk taking can have a significant impact on our lives.  In general, taking risks can be necessary …

What is a trust and do I need one?

January 31, 2024
  A trust is a legal document used to manage assets. There are many reasons that you might benefit from having a trust. Common reasons include: Estate Planning.  Assets held in a trust can bypass probate.  This can save time and money for the…

Here We Go Again!

January 19, 2024
  As we enter another election year, we thought it might do us all good to look back at the thoughts that Sara-Bay has posted over the years on this subject. We found several pieces about elections and election years, and the effects, if any,…

Is a 529 plan the best college savings vehicle for your family?

January 10, 2024
Is a 529 plan the best college savings vehicle for your family? This seems like a simple question, but the answer lies firmly in the “nothing is simple category”. Outside of scholarships and financial aid, the vast majority of people seeking highe…

What can a Financial Advisor do for me?

January 03, 2024
Behavioral Finance is a subfield of behavioral economics.  It looks at the psychological influences and biases that affect financial behaviors.   It is essentially a look behind the actions of individuals as it relates to their finances. Money and…

Do I need a Financial Planner?

December 06, 2023
Do I need a Financial Planner? Whether or not you could benefit from hiring a financial planner depends on many factors.  To help you decide, consider the following points. Complexity of Your Financial situation: If your financial situation is re…

How to create a giving plan that benefits both the donor and the chosen charity.

December 01, 2023
Creating a year-end gifting plan: An important first step in creating a year-end giving plan is to review the basic tax benefits or incentives available to you. The first benefit is the charitable deduction, which can reduce your taxable income if…
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