![Monthly Market Data - October 2024](https://static.wixstatic.com/media/ba91be_790fd5c4598640b3959fbd3b22894047~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_790fd5c4598640b3959fbd3b22894047~mv2.webp)
Brian
Nov 8, 2024
Monthly Market Data - October 2024
Most major asset classes were negative in October. Commodities were the lone positive asset class. A basket of broad commodities rose 1.43%
![](https://static.wixstatic.com/media/nsplsh_49814578f82249deb44550b3bad9af6c~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_49814578f82249deb44550b3bad9af6c~mv2.webp)
![529 - Use It Wherever You Can](https://static.wixstatic.com/media/nsplsh_49814578f82249deb44550b3bad9af6c~mv2.jpg/v1/fill/w_265,h_199,fp_0.50_0.50,q_90,enc_auto/nsplsh_49814578f82249deb44550b3bad9af6c~mv2.webp)
Brian
Aug 29, 2024
529 - Use It Wherever You Can
School is back in session. Most college students are back on campus or just starting out their college years. There are new routines, social
![Predicting Madness](https://static.wixstatic.com/media/ba91be_c3b3c63fb1664f9495c478dd046abaa2~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_c3b3c63fb1664f9495c478dd046abaa2~mv2.webp)
Brian
Mar 21, 2024
Predicting Madness
People like predictions, though. It feels good making them. They make you more confident. Predictions provide a sense of control, feeling...
![Health Savings Account](https://static.wixstatic.com/media/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.webp)
Brian
Feb 29, 2024
Health Savings Account
Often, tax-efficient strategies consist of either lowering a tax bill or deferring taxes to a later period. Tax avoidance is typically a red
![2024 Retirement Account Contribution Limits](https://static.wixstatic.com/media/ba91be_d7cc0508607f4792a77ab6c5d92a6e2c~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_d7cc0508607f4792a77ab6c5d92a6e2c~mv2.webp)
Brian
Feb 2, 2024
2024 Retirement Account Contribution Limits
With January already behind us, hopefully you have paid off the holiday credit card spending and can focus on increased saving and planning
![Top Posts of 2023](https://static.wixstatic.com/media/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.webp)
Brian
Jan 4, 2024
Top Posts of 2023
Top ten posts that piqued our readers' interests More than half our most popular blog posts were focused on factor returns. Not...
![Ode To Charlie](https://static.wixstatic.com/media/ba91be_4d658eff8daa437bbd839148444dce61~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_4d658eff8daa437bbd839148444dce61~mv2.webp)
Brian
Nov 30, 2023
Ode To Charlie
Charlie was such an intelligent person and every time he spoke it was prophetic, yet charismatic and blunt. There are endless nuggets of ...
![Do You Know What a Duvet Is?](https://static.wixstatic.com/media/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.webp)
Brian
Nov 17, 2023
Do You Know What a Duvet Is?
It appears the U.S. may be headed for the elusive ‘soft-landing’ that seemed improbable not too long ago. Part of the reason is the pace ...
![Fall Back and Financial Planning](https://static.wixstatic.com/media/ba91be_3e5e7244361249e799335755f686a9f4~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_3e5e7244361249e799335755f686a9f4~mv2.webp)
Brian
Nov 2, 2023
Fall Back and Financial Planning
The change of any season, environment, or circumstance, presents a good opportunity to check in on financial plans and make sure everything
![Pay the Piper & Get a Match](https://static.wixstatic.com/media/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.webp)
Brian
Sep 1, 2023
Pay the Piper & Get a Match
Student loan repayments are set to resume in October. Payments were paused during the outset of the pandemic and then extended until the ...
![Inflation and Retirement](https://static.wixstatic.com/media/ba91be_e7c067b6597e4fc0aac35a1c33dbc944~mv2.png/v1/fill/w_265,h_171,fp_0.50_0.50,q_95,enc_auto/ba91be_e7c067b6597e4fc0aac35a1c33dbc944~mv2.webp)
Brian
Jun 22, 2023
Inflation and Retirement
The US was the only major industrial nation without a central bank until the Federal Reserve System was created in 1913
![On the Fringe](https://static.wixstatic.com/media/e981d7_80192c9ec914494ab6f7c4200768c634~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/e981d7_80192c9ec914494ab6f7c4200768c634~mv2.webp)
Brian
Jun 1, 2023
On the Fringe
Financial planning and wealth management is largely about future opportunities. We approach each relationship with a long-term perspective.
![](https://static.wixstatic.com/media/ba91be_674e7013c39b4e80a1542910ad9fa885~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/ba91be_674e7013c39b4e80a1542910ad9fa885~mv2.webp)
![Slow Your Roll](https://static.wixstatic.com/media/ba91be_674e7013c39b4e80a1542910ad9fa885~mv2.jpg/v1/fill/w_265,h_199,fp_0.50_0.50,q_90,enc_auto/ba91be_674e7013c39b4e80a1542910ad9fa885~mv2.webp)
Brian
Mar 3, 2023
Slow Your Roll
These apps slow down access to a trading and/or social media app. They are more likely to make a positive impact on your investing behavior
![Honoring America's First Black Economist](https://static.wixstatic.com/media/ba91be_5860757e3bab49579ba9b3d5c238e546~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_5860757e3bab49579ba9b3d5c238e546~mv2.webp)
Brian
Feb 17, 2023
Honoring America's First Black Economist
"I knew well that the only way I could get that door open was to knock it down; because I knocked all of them down." - Sadie T.M. Alexander
![Hooray for HSAs](https://static.wixstatic.com/media/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.webp)
Brian
Feb 9, 2023
Hooray for HSAs
I used my HSA account sparingly during the initial years I owned the account. Early on, my stance was to not use it for “normal” medical ...
![529-to-Roth Conversion](https://static.wixstatic.com/media/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.webp)
Brian
Feb 3, 2023
529-to-Roth Conversion
For those thinking about generational wealth and transferring assets to the next and second generations, a 529-to-Roth conversion presents..
![Retirement Resolutions](https://static.wixstatic.com/media/ba91be_62504b8e66b547a79cfef4aae663806e~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_62504b8e66b547a79cfef4aae663806e~mv2.webp)
Brian
Jan 26, 2023
Retirement Resolutions
Late January is around the time when New Year’s resolutions start breaking down. One study showed that only 64% of people that made a ...
![Tax Loss Time](https://static.wixstatic.com/media/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.webp)
Brian
Dec 2, 2022
Tax Loss Time
One silver lining about equity market declines this year is the ability to reduce future taxes. The process - tax-loss-harvesting - enables
![Less is More](https://static.wixstatic.com/media/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_162250736c9f41ad9a9b27d0a9d8dadf~mv2.webp)
Brian
Nov 10, 2022
Less is More
Additional bits of information trick us into thinking we are better informed. We gain a false sense of confidence even though additional...
![Time In > Timing](https://static.wixstatic.com/media/ba91be_cd7ecba1207d449ab24be571ec7efbd1~mv2.png/v1/fill/w_265,h_199,fp_0.50_0.50,q_95,enc_auto/ba91be_cd7ecba1207d449ab24be571ec7efbd1~mv2.webp)
Brian
Oct 20, 2022
Time In > Timing
One of the questions we often asked is ‘when the best time is to put that money to work in the market.’ Poor market returns this year has...