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Online retirement calculators have become incredibly sophisticated. Within minutes, you can input your age, income, and savings to receive a projection of whether you're "on track" for retirement. These tools are undeniably helpful for getting a general sense of direction, but they operate with significant blind spots about the complexity of your actual life. As advisors and fiduciary asset managers, we regularly work with clients who arrive feeling either falsely reassured o

As we turn the page to 2026, it's natural to reflect on the markets and economic conditions that shaped December 2025: and more broadly, the entire year. For investors who entrust us with their financial stewardship, understanding these patterns isn't just about numbers on a screen; it's about gaining wisdom for the journey ahead. December 2025 capped off what many would describe as a remarkable year for equity markets, though one filled with unexpected twists that remind us

Stop right there. Before you scroll past another "New Year, New You" financial article, ask yourself this: When was the last time you felt truly confident about your financial future? Not just hopeful or optimistic, but genuinely confident that your money decisions align with both your values and your goals? If you're like most Americans, that feeling has been elusive. But here's what's different about 2026: this year brings a unique convergence of economic shifts, technolo

As we approach the end of another year, I want to take a moment to wish you and your family a very Merry Christmas filled with the joy, peace, and hope that only Christ can bring. This season reminds us that our greatest blessings aren't found in our bank accounts but in our relationships: with God, our families, and our communities. Yet, as faithful stewards, we're also called to be wise with the resources God has entrusted to us. The end of the year presents a unique opport

November 2025 proved to be one of those months that looked calm on the surface but had plenty of undercurrents worth paying attention to. If you're like many of our clients, you probably noticed your statements and wondered what all the market chatter really meant for your long-term financial goals. As your fiduciary asset managers, we want to walk you through what actually happened last month and share some thoughts on what factors might shape the remainder of 2025. Remember

As fiduciary asset managers[6], we understand that choosing the right financial planning approach for your family is one of the most significant decisions you'll make. The question isn't simply about which methodology generates better returns, it's about finding an approach that aligns with your deepest values while effectively securing your family's financial future. The fundamental difference between faith-based financial planning and t raditional wealth management lies not

Retirement planning can feel overwhelming, especially when you're trying to align your financial decisions with your faith. As Christians, we're called to be good stewards of the resources God has entrusted to us, yet many believers unknowingly make critical mistakes that could jeopardize their financial security in their golden years. Research shows that even well-intentioned Christians often fall into common retirement planning traps that can significantly impact their abil

Navigating the complexities of financial management can be challenging, especially when we seek to align our monetary decisions with our spiritual values. Faith-driven financial strategies offer a meaningful approach to managing resources, ensuring that our financial goals reflect our beliefs and commitments. By integrating faith principles with practical financial planning, we can cultivate stability, generosity, and stewardship in our lives. Embracing Faith-Driven Financial

As November arrives and Thanksgiving draws near, many Christian families find themselves at a crossroads. The desire to celebrate God's blessings and show gratitude often collides with financial reality, rising grocery costs, travel expenses, and the pressure to give generously during the holiday season. If you're feeling this tension, you're not alone. The good news? Biblical stewardship offers a beautiful framework for navigating Thanksgiving with both financial wisdom and

Losing your husband is one of life's most profound challenges. Suddenly, you may find yourself responsible for financial decisions that you once shared or that he managed entirely. This can feel overwhelming. Please know that what you're feeling is completely normal. You don't have to figure everything out at once. This guide will walk you through essential financial steps, helping you move forward with wisdom and confidence during this difficult transition. Your First 30 Day

Here's a sobering truth that might surprise you: Most Christians approaching retirement are about to make a Social Security decision that could cost them tens of thousands of dollars, or more, over their lifetime. And the window to get it right is rapidly closing. If you're between 60-70 years old and haven't started drawing Social Security yet, you're sitting at one of the most critical financial crossroads of your life. The choices you make in the next few years about when

Recently, things have felt like a wake-up call for many investors. AI stocks, which had been riding high on promises of revolutionary transformation, suddenly found themselves in a tailspin. The catalyst? Growing fears that the tech sector might not receive the bailout support many had quietly assumed would always be there, combined with mounting concerns that current valuations have simply run too far ahead of reality. If you're feeling whiplash from watching your AI-heavy p

You've worked hard to build your retirement savings, faithfully contributing to your 401(k) year after year. But have you ever wondered where that money is actually going? For many Christian investors, the uncomfortable reality is that their retirement funds may be supporting companies whose practices directly contradict their biblical values. This isn't about being overly restrictive or judgmental, it's about stewardship. As followers of Christ, we're called to be faithful s

When it comes to retirement planning, Christians are called to be wise stewards of the resources God has entrusted to us. As Proverbs 27:23 reminds us, "Be sure you know the condition of your flocks, give careful attention to your herds." In today's financial landscape, this wisdom extends to understanding all the tools available for retirement planning, including lesser-known strategies like Net Unrealized Appreciation (NUA). If you've accumulated company stock in your 401(k

When you leave your job, one of the most important financial decisions you'll face is what to do with your 401(k). This choice may affect your retirement savings and future financial security. Understanding your options and the implications of each decision is crucial for making an informed choice that aligns with your financial goals. Understanding Your Four Primary Options Option 1: Leave Your Money in Your Former Employer's Plan If your account balance is $5,000 or more

As we close the books on October 2025, investors are processing a complex landscape of market gains amid underlying economic uncertainties. The month delivered solid returns across most asset classes, yet beneath the surface, key economic indicators are sending mixed signals that demand careful attention and thoughtful analysis. As fiduciary asset managers, we believe it's crucial to examine both the encouraging developments and the areas of concern, helping you understand wh

If you've ever laid awake at night wondering whether your retirement savings will last as long as you do, you're not alone. This concern, known as longevity risk, keeps nearly half of all American workers up at night, and for good reason. Recent studies reveal that 45% of workers fear they will outlive their savings and investments. Even more sobering: nearly 40% of current retirees risk depleting their savings during retirement, especially those who live into their 90s. (Sou

The stark reality is that approximately 70-76% of Americans die without a valid will or estate plan(source: caring.com ), a statistic that has remained consistently troubling for decades. Recent data from 2024 shows that only 32% of Americans have an estate plan, representing a decline from 38% the previous year(source: caring.com ). This widespread lack of preparation is particularly concerning within the Christian community, where surveys reveal that 63% of Christian adults

Retirement planning as a Christian isn't just about accumulating enough money to stop working, it's about stewarding God's resources wisely while preparing for a different season of life that honors Him. If you've been wondering how to balance biblical principles with practical financial planning, you're not alone. Many believers struggle with questions like "How much is enough?" and "Should I be saving or giving more?" The truth is, faith-centered retirement planning doesn't

Recent headlines have put regional banks  back in the spotlight. According to publicly available reports from The Wall Street Journal  and other media outlets, several regional banking institutions have recently experienced loan-loss issues that have drawn investor attention and raised broader questions across the sector. While stories like these can sound unsettling, they also offer valuable lessons about preparation, diversification, and financial resilience. Market cycles

In recent years, government shutdowns have become a recurring theme in American politics, often leading to uncertainty in the financial markets. As a Certified Financial Planner (CFP) practitioner and fiduciary asset manager, I understand that for investors 50 and above these events can be particularly concerning. The question on many minds is: how have the markets historically reacted during these shutdowns, and what can we realistically expect this time around? Understandin

Investing in the stock market can be overwhelming, especially when it's reaching new heights. Many investors feel uncertain, questioning if it's a smart move to invest in such elevated conditions. As fiduciary asset managers, our aim is to guide you through these complicated decisions. We stive to make your investment strategy align with your long-term financial goals. In this post, we will explore the psychology behind investing at market peaks, the historical context of suc

In today's financial environment, high-net-worth (HNW) investors face a significant challenge. They must navigate market volatility while adapting to recent tax law changes. As economic conditions shift, the right strategies become crucial for protecting and growing wealth. This post will look at how market fluctuations impact HNW investors and offer actionable strategies to safeguard and enhance their wealth. Additionally, we will break down recent tax law changes and how th