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MARKET COMMENTARY
Read monthly updates on economic events and market trends
Ryan Redfern
Chartered Market Technician® (CMT®)
Chartered Financial Consultant® (ChFC®)
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Laura Redfern
CERTIFIED FINANCIAL PLANNER™ (CFP®) Professional
Certified Financial Transitionist®
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Learn more about active management from the author of “Why Bad Things Happen to Good investments”
Will Hepburn
Vice President of Investment Research
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Phil Lebkuecher
Behavioral Financial Advisor (BFA)
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Heather D. Johnson
Investment Advisor Representative
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Blog
March 2026 Market Commentary
As of last month’s writing, the market was mostly just grinding sideways and not doing much. But as March began, so did a conflict in Iran. That wasn’t a catalyst we had considered to bring a more volatile market, but here we are. That being said, the US...
How Do You Know If Your Financial Plan Is Still on Track?
It’s one of those questions people carry quietly in the back of their minds – occasionally surfacing but often left vague and unanswered. It tends to come up when headlines feel loud, when markets shift, or when life changes. You pause and wonder: Are we still doing...
The #1 Reason Financial Advice Doesn’t Work
If financial advice actually worked, why are so many smart people still stressed about money? We live in a time where financial information is everywhere. You can Google almost anything. You can watch videos, listen to podcasts, follow experts on social media - and...
February 2026 Market Commentary
So far, the broad markets are off to a “meh” start to the year with the S&P 500 index sitting very close to where it started in January. And while the big tech names that drove most of the upside we’ve seen over the past few years are getting hit the hardest, some...
What Kind of Relationship Do You Have With Your Money?
When most people think about financial planning, they think about numbers: balances, returns, retirement timelines, tax efficiency. But there is another element that is more difficult to quantify, yet equally – or even more important: your relationship with money. ...
Waiting for the “Right Time”: The Psychology Behind Delayed Decisions
One of the more common phrases I hear in financial conversations is something along the lines of: “I’m just waiting for the right time.” On the surface, this sounds prudent. Thoughtful. Even disciplined. In practice, however, the concept of a “right time” is often...
January 2026 Market Commentary
Heading into the new year, and the 2nd year of the 4-year presidential cycle, I would have expected to see a little more volatility, especially towards the end of the month. But so far, it’s been relatively calm. The S&P 500 had a mid-month pullback of about -2.5%...
Understanding Wills, Intentions, and Clarity for Your Loved Ones
“Do I Really Need a Will?” It’s one of the most commonly asked questions in estate planning. It often comes up after the holidays. Meaningful family conversations, or the simple realization that life feels fuller and more complex than it once did, can bring this...
How to Build Financial Security Without Making More Money
Why systems matter more than salary — and how small changes make a big difference Most of us grow up hearing the same financial advice: “Just make more money.” A raise. A bonus. A better-paying job. But the truth? Financial security isn’t about how much you...
December 2025 Market Commentary
As we close out 2025, it’s hard not to notice how different the end of the year looks compared to how it began. The first few months were volatile by any standard. At one point, the S&P 500 experienced a nearly -20% drawdown, while both the Small Cap Index and...
What Recent Tax Law Changes May Mean for You
The new OBBBA became law this year, and while some headlines have focused on a few flashy provisions, the more meaningful impact for most households is subtler — and more planning-related. Some changes affect 2025 returns, while others begin in 2026. The bigger...
A Token for Your Thoughts?
When the terms “token” and “tokenization” first started cropping up in the news, I had to look up what they meant. I’m glad I had that background when I saw that tokenization will be coming to an investment near you, probably next year. Without getting too wonky on...
