The US stock market has delivered extraordinary returns over the past decade, even though the gains haven’t been evenly distributed across company sizes. Looking at the 10-year annualized returns through July 2025: These returns are above historical averages, with large-cap stocks clearly leading the pack by a significant margin. 2025 has been a solid year after some spring volatility related to the beginning of the tariffs. It’s been such a phenomenal run, particularly for large-cap stocks, that it leads many…
Category: Investing
5 Investment Types That Don’t Belong in Your Taxable Accounts
When building an investment portfolio, choosing the right investments is only half the battle. The other half? Putting them in the right accounts. One costly mistake many investors make is placing tax-inefficient investments in their taxable brokerage accounts, where they’ll face unnecessary tax burdens year after year. Not all investments are created equal when it comes to taxes. Some generate regular taxable income, others trigger unexpected capital gains distributions, and some are structured in ways that make them tax nightmares….
Why I Don’t Reinvest Dividends (And You Shouldn’t Either)
Most financial advice tells you to automatically reinvest your dividends. Turn on DRIP, set it and forget it, they say. But after managing portfolios for years, I actually think this “common wisdom” isn’t the best way for investors to manage their investments. Dividend reinvestment feels like the responsible thing to do—after all, you’re keeping your money working in the market instead of letting it sit in cash. Most people assume it’s always better than taking the cash payments. But I’ve…
When To Rebalance Your Investment Accounts: A Simple Guide for Retirees and Pre-Retirees
“When should I rebalance my portfolio?” It’s one of the most common questions I get from clients, and for good reason: getting this wrong can leave you taking on more risk than you intended. Portfolio drift is completely normal and inevitable. Markets move at different rates, so your carefully crafted 60/40 allocation will naturally shift over time. What I’ve observed in my practice is that retirees and pre-retirees typically fall into two camps: those who rebalance too often (costing themselves…
Top 6 Investment Mistakes Retirees Make
Retirement is a time to enjoy the results of your hard work, but too many retirees are nervous about their money and whether it’s going to last as long as they do. Through diligent planning and strategy, you can enjoy this phase of your life smoothly, but you have to be aware of a source of financial stress and mistakes you may not be aware of: Yourself. Many retirees make investment mistakes that jeopardize their financial stability. Recognizing these mistakes…
Dividend vs. Total Return Investing
For many retirees, dividend investing feels like the perfect solution. Regular dividend payments create a predictable income stream, mimicking the paychecks they received during their working years. This psychological comfort—knowing that cash will keep coming in without having to sell investments—makes dividends especially appealing for those in retirement. Plus, dividend-paying companies are often seen as stable and reliable, adding to the sense of financial security. But is dividend investing really the best strategy for retirees? While it offers stability, it…
What Happens When You Mix Politics And Investing
Hello everybody welcome back to the blog. I am excited to be back and owe you all a big apology for going dark for 8 whole months! It was a nice break and I’m hoping that going forward I will do at least 2 blogs a month. Now let’s just into today’s blog, about what happens when you mix politics and investing. For some background, I have been a financial advisor since 2015, right before Donald Trump announced his run…
What’s Going On With Inflation, The Federal Reserve, and The Stock Market? And What Should I Do Next?
So far in 2022, we have experienced a wild ride in the stock market. We started the year by going down 20% or so over 6 months, then we recovered half of those gains in the next 6 weeks or so, only for the market to fall back down below it’s previous lows. As of this post being published, the S&P 500 is down around 21%. So what in the world is going on? In today’s post, I am going…
Should You Put 1% Of Your Money Into Crypto? Ric Edelman Says Yes. I’m Not So Sure.
Unless you have been living under a rock for the last few years, you have heard about the most recent craze to make money, cryptocurrency. Now there are tons of people talking about cryptocurrency, and like everything in life, be careful on whose advice you take. There are just starting to be a number of prosecutions of insider trading in the crypto space, and my guess is we’re going to see a lot more in the months ahead. With something…
3 Reasons Why I Disagree With Warren Buffett’s Investment Advice
One of my favorite people to learn, inside the financial world and even outside of it, is Warren Buffett. I have been a big fan of his for a long time, and even went to his annual conference with my Dad in 2017. And I tend to agree with him most of the time. But he offers some investment advice on a regular basis that I can’t quite get behind. Now if you don’t know, Warren has a company called…