Forty "W"ritings

Rising rates have investors jumping around as bond yields compete with stocks for investor money.

Sweeping changes for retirement plans were signed into law on December 29, 2022 as part of the Consolidated Appropriations Act. We break down the most important provisions based on whether you are retired or currently working.

November was a positive month for both stocks and bonds despite global manufacturing falling into contraction territory, zero COVID policy in China causing civil unrest, and global central banks continuing their aggressive tightening policy. However, investors looked beyond the headlines and towards the potential slowing of interest rate hikes and conclusion of the U.S. midterm elections (gridlock is back!)

Estate planning is the part of the financial planning process where you proactively put a plan in place in the event you become incapacitated or die. Cheery stuff, eh!? Anyone who is interested in making sure their wishes for themselves and their loved ones are carried out should do some level of estate planning.

While it can be tempting to cruise into the holiday season enjoying the spoils of another year gone by don’t forget to do one final check of your financial to-do list to make sure that you are getting everything out of 2022 that you can. Here is a quick list of some end-of-the-year planning tips.

October was a solid month for risk assets. All major equity markets, except for emerging markets, had strong positive returns. Fixed income returns were negative.