Thought Leadership By Our Team

The winter holidays are right around the corner and we are excited to share our highly anticipated Holiday Gift List for 2024.

Choosing when to claim Social Security benefits is one of the most important financial decisions you’ll make in retirement. The timing of your claim can significantly impact your overall benefits, potentially affecting your long-term financial security.

U.S. equities had a strong third quarter across large, mid, and small-cap equities despite several stretches of market volatility along the way. Domestic large cap equities, as measured by the S&P 500, continued their movement upward as year-to-date gains ended the quarter up 22.1% for the year.

The allure of living abroad can promise a better climate, a lower cost of living, and a higher quality of life if you find the right country to move to in your golden years. A retirement visa is one document that can help you turn that retirement goal into a reality.

Equities got off to a rocky start in April with a small pullback of about 5.5% in the S&P 500. However, sentiment quicky changed in May and June as a continuation of solid economic data combined with tamer inflation gave a boost to stocks and propelled the S&P to new all-time highs the last two months. For the quarter, the S&P 500 total return rose 4.3%, after a stunning 10.6% rise in the first quarter.

In today's digital age, where convenience and connectivity define our everyday interactions, safeguarding your personal information and financial assets against cyber threats is more critical than ever. With the growing sophistication of cyber-attacks from hackers all over the world, we wanted to share some tips ...

The weather the past few weeks has been glorious and we can only hope that it will continue. We have been working hard on curating our annual Sandy Cove Summer Reading List.

Social Security payments have been coming out of your paycheck for your entire career, and many workers feel strongly that they want to begin taking their Social Security retirement benefit as soon as they’re eligible at age 62.

Markets continued to rise for the second quarter in a row and the S&P 500 stayed on a stable upward path over the last five months. For the quarter the S&P total return rose an impressive 10.6% which we attribute to good economic data on inflation and the economy...

Major changes are coming to the real estate industry which will shift the way we have historically bought and sold homes. A powerful group, the National Association of Realtors has agreed to a rule change on how real estate agents are compensated which could be a big deal for homebuyers.

The 2023 fiscal year-end government funding bill contained legislation that makes the most significant changes to the U.S. retirement savings system in decades. The SECURE 2.0 Act builds on retirement savings changes passed in 2019 and contains new provisions that further raise the required minimum distribution (RMD) age, shift to automatic plan enrollment and provide for new matching/emergency withdrawal opportunities.

With January being designated as “Financial Wellness Month,” we encourage you to start the new year embracing new possibilities and setting financial goals as a first step in working toward a more secure financial future. It’s a great time to work on improving your financial health and to take a hard look at our financial habits. We have put together our checklist of Top 10 areas to focus on to identify your priorities, along with tips to help you kick-start your Financial Wellness program for 2024.

Last year, we titled our outlook piece “Prospects Brighten as Fed Slows” with the focus on the Federal Reserve because we believed it held the majority of control over the path of the economy and financial markets. That was the correct narrative as we waited with bated breath for every monthly economic report on prices, jobs, wages, and interest rates, which all went the direction we wanted.

The year 2023 was the investment year we had all hoped for, but no one was expecting. Coming off 2022, which saw double digit declines in both equities and fixed income, most Wall Street economists called for a 100% chance of recession in the U.S. economy in 2023. The “Great American Job Market” had other ideas. With inflation coming under control and unemployment rates at historic lows, the American consumer remained strong, corporate balance sheets shrugged off higher interest rates, and the S&P 500 ended the year up an impressive 26.3% total return.