The Macro View

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  On May 21, the Labor Department unveiled a new safe harbor for electronic disclosures making it easier for employers to disseminate 401k notices to plan participants. The new safe harbor is known as the “notice and access” safe harbor method. Here is a quick overview: Initial Notice The final rule continues to require that… Read more »


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Where There’s A Will, There’s A Way The reverberating effects of COVID-19 caused the S&P 500 to fall 34% in just over a month – the fastest bear market in history.  Since March 23rd, despite a historically large decline in economic growth, the S&P 500 has surged more than 35% and credit spreads have tightened…. Read more »


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  The investment and economic landscapes have undergone a dramatic reshaping in the wake of the COVID-19 pandemic and subsequent severe market volatility.  While the net effect has been damaging, it’s provided investors with ample opportunity to re-explore the diversification of their portfolios.  As investors, we are constantly taught the importance of diversification in an… Read more »


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  The Coronavirus Aid, Relief, and Economic Security (CARES) Act, a wide ranging fiscal relief package aimed at helping Americans confront the economic challenges brought on by the Covid-19 pandemic, contains a series of unprecedented maneuvers including the much discussed stimulus check provision and the Paycheck Protection Program (PPP).  While these two features of the… Read more »


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  Over the last 8 weeks the world has changed.   The exact changes are not yet known but certain probabilities that impact long-term financial planning have shifted.   We believe these changes have made ROTH conversions a more important strategy than ever for young savers looking to reduce their future tax burden and for older savers looking to maximize wealth transfers to their kids…. Read more »