FRAUDSTERS DON'T TAKE HOLIDAYS: IMPERSONATION SCAMS ARE EVOLVING - SO SHOULD YOUR DEFENSES During this holiday season, it's important to remember that fraudsters are trying to impersonate precisely the people you trust the most, posing as financial employees, trusted institutions, or even family members. As they incorporate AI into their schemes, they become more effective at manipulating their targets, and become ever-harder to detect. Two major impersonation threats to watch for: … [Read more...]

The investment landscape in late 2025 is defined by a paradox that's keeping even seasoned strategists up at night. Markets are experiencing a powerful convergence of AI-driven growth and evolving central bank policies, with scenarios ranging from a soft landing with managed disinflation to more challenging outcomes like stagflation or increased market concentration. Understanding this tension is crucial for positioning your portfolio effectively. The Growth Dilemma While pro-business … [Read more...]

Approach very carefully and with a clear understanding of the trade-offs One of the most significant shifts in retirement investing in decades is underway: the Trump administration has signed an executive order intended to open up 401(k) accounts and other employer-sponsored retirement plans to private-market assets – including private equity, private credit, and real estate. For private-asset firms like Apollo, KKR, Carlyle, and Blackstone, this is an enormous opportunity. A $12 trillion … [Read more...]

Changes for equity investors and potential actions to consider in response On July 3, 2025, Congress passed and on July 4th the President signed into law the “One Big Beautiful Bill Act” (OBBBA), a sweeping fiscal package aimed at tax reform, business incentives, and federal budget adjustments. While broad in scope, the bill contains several provisions that could have material implications for public equity markets. Here are five of the most financially significant changes for investors and … [Read more...]

More of a signal about long-term fiscal challenges, not an immediate worry The recent downgrade of U.S. sovereign debt by Moody’s marks a significant moment in American financial history. For the first time, all three major credit rating agencies have removed the United States from their highest credit tier. As an investor, it’s essential to view this development within its historical context and consider its practical implications for the markets and your investment portfolio. A Brief History … [Read more...]

Make the most of your retirement savings options and secure a stable future Planning for retirement is a cornerstone of financial wellness. Each year, the Internal Revenue Service adjusts contribution limits for various retirement accounts to reflect inflation and ensure individuals have ample opportunities to save for their future. In 2025, significant changes to contribution limits and income restrictions offer new opportunities for savers, especially for those utilizing 401(k)s, IRAs, and … [Read more...]

Focus on tangible economic impacts and not speculative stock movements The past week delivered a stark reminder to artificial intelligence investors of how swiftly fortunes can shift. The sudden emergence of DeepSeek, a Chinese AI firm boasting a world-class model developed at a fraction of the cost of its Western rivals, triggered a massive selloff in Nvidia and other US tech leaders. This market reaction underscores the rapidly evolving competitive landscape of AI – but what are the broader … [Read more...]

Predictions vary, but the overarching themes provide a roadmap for 2025 As your financial advisor, it’s my role to help you navigate the opportunities and challenges of the financial markets, especially during times of significant change. With the return of Donald J. Trump to the White House, 2025 is shaping up to be an unconventional year. Wall Street’s projections, traditionally centered on growth, inflation, and other economic indicators, are now profoundly influenced by this singular … [Read more...]