Who is Right-The Markets or the Economic Data?

May 26, 2020 11:08 am

So what gives with the markets? Let’s use the S&P 500. It was down 33.9% from its 2020 high on February 19th to its low on March 23rd (shortest bear market on record).  It then rebounded 31.9% until April 29th (a dizzying bounce) and has remained essentially flat ever since. Unfortunately, the S&P 500 is […]

Is It A Good Time To Refinance?

May 8, 2020 3:50 am

I get this question a lot from friends and clients:  “Should I refinance my mortgage?” The answer is not always so simple.  In fact, many of us thought the days of refinancing were almost over (well…not literally) because s…

The Stability of Your Financial Plan During Volatile Times

May 6, 2020 9:55 am

During these unprecedented times, many clients are wondering if their goals have been derailed and if so, what it will take to get them back on track. There is no doubt that things have changed, and as a result many of us will need to adjust accordingly. But just how much do you need to […]

What Could a Market Recovery Look Like?

April 13, 2020 9:28 am

In hindsight, it appears surprisingly easy to shut down an economy – we just did it in a few short weeks.  I suspect it is much harder to open an economy back up again. What inspired so many Americans to shelter in place was a combination of worry for their own personal health and an […]

The CARES ACT – Three Important Provisions That Could Impact You

March 30, 2020 9:58 am

The relief bill known as the CARES Act was signed into law on Friday, March 27, 2020. It is designed to serve as a bridge between the time the US economy decelerates in response to Covid-19 and the time the economy is back up and running. Provisions of the CARES Act support a wide range […]

Can a Recession Save us from the Coronavirus?

March 16, 2020 12:28 pm

The first change I noticed was early last week, before any state of emergency had been declared in Rhode Island, Massachusetts, or the US. Suddenly, my commute was far easier than usual. I hit every light and breezed into work. By the end of the week I had shaved 20% off my commute time.  I […]

Economic Commentary: March 10, 2020

March 10, 2020 10:08 am

Following yesterday’s sell off we wanted to share some thoughts and facts about the economy and the market. Lost in a new cycle filled with bad news, last Friday’s payroll report was the 113th month in a row with positive job growth here in the US. (The next closest record time period is 48 months!) […]

Economic Commentary: March 2, 2020

March 2, 2020 12:38 pm

The recent downturn in the markets has been driven predominantly by the Coronavirus and high stock valuations. Any sustained market bounce is unlikely to take place before the risks presented by Covid-19 have abated. At the same time the economic impact of the virus is undergoing extensive assessment and review. In terms of the economy, […]

Are We Concerned Yet?

February 26, 2020 12:36 pm

We are getting a few questions from clients on the nature of the most recent stock market sell-off. We thought it would be a good opportunity to address these questions in our blog, so that all clients can hear our response. Let’s start with the surprise factor. Was this week’s dramatic two-day pullback unanticipated? Not […]

Planning for a Disabled Child

December 23, 2019 10:22 am

Caring for a disabled child requires planning for the near term and the future but understanding the best strategies to utilize can be challenging, as the rules and regulations are often complex and confusing. Thankfully, there are tools available to help caregivers put a plan in place to assist the disabled child financially, and, with […]