Investment Management

Market Update – September 2022

Market Update – September 2022         As the third quarter comes to a close, the market is hovering at its lows for 2022. If you are following the news, you know the Federal Reserve has raised short-term interest rates significantly this year in an effort to bring inflation back down to its …

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AP Wealth Market Update

AP Wealth Market Update     The 2022 AP Wealth investment committee meetings have been full of hot topics to discuss. The market volatility continues with inflation, interest rate hikes, supply chain issues, high energy prices, and the war in Ukraine weighing on the market. During periods like this, one thing we do well is …

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My favorite type of retirement plan for sole proprietors

My favorite type of retirement plan for sole proprietors       Retirement savings accounts known as SEP IRAs have distinct advantages A simplified employee pension (SEP) IRA is a retirement savings plan established by employers—including self-employed people—for the benefit of their employees and themselves. Employers may make tax-deductible contributions on behalf of eligible employees …

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What is “Risk,” Really? 

What is “Risk,” Really?    “Risk” is a term bandied about by financial professionals with seemingly reckless abandon. It’s important to understand what is meant by the term. Risk and return are inseparable. Some clients do not fully comprehend the risk inherent in their investments. Arguably, the most important job an advisor has is to …

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10 Things to Consider When Planning to Transition into Retirement