Blog Library 

Inherited IRAs… the Rules Keep A-Changin’!

Inherited IRAs… the Rules Keep A-Changin’!

If you have been involved with estate planning in any way over the past two years, you are probably familiar with the overwhelming and complicated process of dealing with inherited accounts.  Even in the “simplest” of cases, it’s usually not that simple. ...

What to Expect From Inflation?

What to Expect From Inflation?

Inflation has begun to moderate, largely due to our government’s move to destroy demand with high prices and pull money out of consumer’s hands via higher taxes.  Policies designed to limit supplies of energy are evidence of the government’s intent to raise gas...

August 2022 Market Commentary

August 2022 Market Commentary

While July turned out to be a decent month for most stock and bond indexes, August hasn’t been able to continue that momentum.  As of Wednesday’s close, both the S&P 500 and the NASDAQ 100 are very close to being flat for the month.  And the Aggregate...

What’s a 403(b)?

What’s a 403(b)?

While many people are more familiar with the term 401(k), 403(b) accounts are very similar and have some unique features.  In fact, the main difference is the IRS code governing for-profit business retirement plans is in Section 401(k) while the Section 403(b)...

July 2022 Market Commentary

July 2022 Market Commentary

July may end up being the best month of 2022 so far, if it can hold up the gains it made this week, post-Federal Reserve Rate hike.  However, the major US indexes still have a ways to go just to get back to where they started at the beginning of this year. ...

Why This Bear Market May Not Be Over Yet

Why This Bear Market May Not Be Over Yet

The stock market has improved a bit over the past couple of weeks, but this is not the time to get complacent and think this tough market is over and good times are back.  The US government must break a vicious circle of inflating interest rates before we can...

Summer Reflections

Summer Reflections

Without rehashing the difficulties and challenges that have arisen over the past two and a half years, it’s important to use positive actions to deal with today’s challenges.  It’s a matter of what can you do vs. what you should do.    One of the...

Smart Finances in Stupid Times

Smart Finances in Stupid Times

I’ll turn 58 in September.  December will mark 3 decades for me as a financial advisor.  So I’ve seen a few things.  I’ve had challenging business and life experiences, as well as having successes that far outweigh the occasional setbacks.  And...

Are Your Investments a Mess?

Are Your Investments a Mess?

Most Shadowridge clients already know that they don’t have too much to worry about in this market, because we’ve got you covered in that regard.  However, for the many non-clients who get this letter, like a neighbor who said their investments are a “mess” due to...

The Secret to Successful Retirement Savings

The Secret to Successful Retirement Savings

So you’ve heard you should save for retirement.  You agree that’s a good idea.  Maybe you even start doing some things… but then get bogged down by the choices and options available out there.  It’s kind of overwhelming.  How do you decide? There’s...

June 2022 Market Commentary

June 2022 Market Commentary

As we are near the finish of the first half of 2022, most major stock markets have continued the ugliness that began right at the first of the year.  As of Wednesday, June 22nd, the year-to-date numbers on the S&P 500 are near -20% and the NASDAQ 100 is down...