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2025 Year-In-Review
2025 was an exceptional year in the markets. At the beginning of 2025, we noted three key areas that were likely to drive the market higher. First, we noted that the Federal Reserve was likely to lower interest rates and stimulate the economy. Secondly, we highlighted a surge in productivity growth, which is the secret sauce of capitalism, would allow both worker incomes and corporate profits to grow. Finally, we noted that Trump’s 2 nd term in office, with promised lower t
Steve Coker, CFP
Jan 42 min read
What is a Trusted Contact and why should I have one?
This year, as you meet with family and friends, we encourage you to consider naming a “Trusted Contact Person”. A “trusted contact person” is a person that you authorize your brokerage firm (Schwab in the case of our clients) to contact in limited circumstances, such as if your broker has trouble reaching you or has a reasonable belief that your account may be exposed to possible financial exploitation. For example, if Schwab cannot get ahold of you, they may contact the tru
Steve Coker, CFP
Dec 19, 20252 min read
The Family Estate Planning Conversation
As we move into the holiday season families across the country will come together – and refuse to talk about money. Admittedly, talking about finances and estate planning can be a sensitive topic and getting mom and dad to admit they need a little help may be even more difficult. Here are a few tips for having a family estate planning conversation. First, take stock of your parent’s condition. Can your aging parents still make decisions for themselves? This is a critical
Steve Coker, CFP
Dec 14, 20253 min read
What Is Stablecoin?
In July of this year, Congress passed the GENIUS Act, which created the first comprehensive regulatory framework for Stablecoins, a type of Cryptocurrency backed by U.S. Dollars. Historically, cryptocurrencies have been incredibly volatile, which can be attractive if you are a speculative investor looking to make a quick buck, but terrible if you are a typical investor wanting to use cryptocurrency to pay bills or keep your money safe. In contrast, Stablecoins are a type of
Steve Coker, CFP
Nov 21, 20253 min read
Key 401k Changes Coming in 2026: What You Need to Know
As we look ahead to 2026, several important changes are coming to your company’s 401k plan. These changes, ranging from higher contribution limits to new Roth contribution requirements for high earners, may affect how much you are able to contribute. Here are the key changes you should know. Higher Contribution Limits Each year the IRS makes an inflation adjustment to the 401k maximum contribution limits. In 2026 the new employee deferral limit increases to $24,500 for those
Steve Coker, CFP
Nov 16, 20252 min read
