As we close the books on August 2025, I wanted to share a concise yet comprehensive review of how markets performed last month and what it means for our portfolios…

July was a strong month for the S&P 500, which rose approximately +2.84% on a price‑only basis MarketWatch. This gain followed robust results from Q2 earnings, particularly among big tech firms like Meta and Microsoft, fueling investor enthusiasm around…

The U.S. stock market enters June 2025 with a cautiously optimistic outlook, following a volatile spring marked by significant policy shifts and…

I sit down and write this from a hotel room in Jupiter, FL as we have a booth at the PEAK Brokerage / Thurston Springer “Event of the Year – Thriving Together”.

I have a view of the Atlantic Ocean from my hotel and the weather is beautiful.

Today there is a strong wind of about 15 mph coming off the ocean.  The waves look bigger than they have been in the past couple of days.

This reminds me of the markets in…

I wish I had better news as I sit down and right this.  But as you already know, the markets have been very “volatile” for the past couple of months.  “Volatility” is the term we only use when the market goes down. 

We never say a market is “volatile” when it is going straight up.

So, when I say the past month has been very volatile, you can rest assured that I mean that it has gone down.

This is due to uncertainty about tariffs.

Once we get a little more certainty about them, the markets should no longer be…

The 12.4 TRILLION Dollar Opportunity: Why Independent Advisors Shouldn’t Ignore Held Away Assets

There’s a massive, largely untapped opportunity sitting in plain sight for independent investment advisors—$12.4 trillion…

Happy St. Patrick’s Day! I feel compelled to write a mid-month Confident Chronicles due to the extreme market volatility of late. Last week the S&P 500 dipped down…

Lots of changes with this month’s update!

Future Contributions have been updated as they always are on the first trading day of the month.

New Tactical Allocations have been updated.

Finally, you will notice that you need to click “I Agree” when logging into your Participant Dashboard. 

We require this each year to comply with the…

We have one month under our belt for 2025. 

And what a wild ride it has been already!  (see S&P 500 info below).

With the first month of investing in your employer’s plan, it’s a good time to review the amount you are contributing. 

There are new limits in 2025 for 401(k) and 403(b) plans and you have the opportunity to invest more if you can. 

The amounts depend on your age, and it’s really convoluted this year:

Anyone using the Plan Confidence Tactical Strategies should have received an email at 9am EST letting them know to log in to their Participant Dashboard.

The Stock and Bond holdings have both gone into “sell” (negative) signals for more than three consecutive trading days.  (See charts below):