Captain's Perspective

Start your lives together on the right foot!

This piece is intended for anyone who is under 35 or so.

The country, the world, is currently in the throes of its latest crisis. This may be the first crisis you are experiencing as an independent adult. We are truly sorry to inform you it won’t be the last.

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We are fielding a lot of questions and hearing a lot of TV/internet commentary about how long it will take for stock markets to recover. The true answer to that question is no one knows for sure. Any commentator or newsletter writer that professes to have some crystal ball is just wrong.

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Since late 2008, we have attempted to explain how different the Great Recession was from every other recession of our
lifetimes. The Coronavirus shock we are currently living through unfortunately helps tell this story.

In the run up to 2008, US consumers massively overspent on homes and in...

This may be the time to put that adage to work!! We can fall prey to the incessant negativity around us:

• Yes, the US bull market that started in early March of 2009 has come to an end. Did anyone truly expect that it was going to last forever?

• Yes, the US economy is may post some bad numbers...

The title of this piece is not a facetious question. We truly do not understand why mature, average investors panic and make such horrible decisions in market downturns.

Everyone over Age 50 should read this!!!

Relating a scene from the West Wing TV show to the reality of today's investors.

Americans fascination with the automobile has a long history. Americans fascination with money also has a long history. Unfortunately, these two historical American affinities can collide in such a way as to jeopardize or weaken the financial future of individual Americans.

Learn how your Social Security Retirement Benefits are calculated.

Planning for taxes when taking distributions can be as important as managing the retirement income sources themselves. The information below is a very basic discussion and is not meant as individual planning advice. Please schedule an appointment with our financial planning professionals to discuss a suitable tax management plan for using your retirement assets.

High school and college students are now working their summer jobs.

We all know the many positive lessons of a summer jobs: instilling a work ethic, the good feeling that comes from having earned money in your pocket and the sense of independence that grew as your bank account fattened up.

The...