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Ryan Redfern
Chartered Market Technician® (CMT®)
Chartered Financial Consultant® (ChFC®)
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Laura Redfern
CERTIFIED FINANCIAL PLANNER™ (CFP®) Professional
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Will Hepburn
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Phil Lebkuecher
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Heather D. Johnson
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Blog
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...
How the Grinches Tried to Steal Your Financial Cheer
As the holidays approach and the year draws to a close, many of us feel the tug between celebration and stress. But sometimes that tension doesn’t come from the season itself. Instead, it comes from the sneaky, real-life Grinches that appear this time of year. These...
November 2025 Market Commentary
Ok, NOW we get the pullback that was expected in the September/October period. It already looks like the wave of fear has passed and we got a common 5%-ish pullback (I’m showing -5.07% on the SPY ETF). Textbook typical, nothing out of the ordinary. We still are in...
Savings in the New World of AI
You already know an emergency savings account is a core piece of any solid financial plan. That part isn’t changing. What is changing – and fast! – is the world around us, especially with AI reshaping jobs and careers rapidly. An emergency fund still does its classic...
Quantum Computing, the Next Big Thing
Quantum computing has been in the news more and more these days, and as I study this subject, the more I am convinced that quantum computing will become the next great investment paradigm. Now, what do I mean by paradigms? These are not investments, per se. They are...
How Gratitude Shapes Smarter Investment Decisions
As we move into a season that naturally invites reflection, it’s worth asking a simple but powerful question: How often do we pause to appreciate what our money has already made possible? The roof over our heads. The vacations we’ve taken. The comfort of knowing we...
October 2025 Market Commentary
While October hasn’t been as “scary” as it could have been, the S&P 500 did manage a very quick -2.98% drawdown in two days (Oct 9th & 10th). But this pullback gave us an opportunity to add stock market exposure in a couple of models where we were looking to...
Turning Taxes Into Opportunity: How Retirees Can Benefit From the New Senior Deduction
If you’re nearing retirement, one of the most important things you can do is understand where your “paycheck” will come from once you stop working. How will you be “paid”? And importantly, how will you be taxed? Different income sources are taxed differently, and...
Index Fund Investors Facing a Decade with No Returns?
I have long been a believer in active investment management. Personal experience has taught me that having different investment styles is as important to managing risk as having different investments themselves. From my experience, the ability to just step out of...
From Paychecks to Purpose: How to Plan for Your Future and Your Family
October marks a season of change — crisp mornings, shorter days, and the quiet reminder that a new year isn’t far away. It’s also a natural time to pause, reflect, and prepare for what lies ahead. Just like nature, financial planning invites us to prepare today for...
