Markets in May were buoyed by a combination of geopolitical developments and resilient economic data, even as Moody’s became the third major credit rating agency to downgrade U.S. sovereign debt, lowering its rating from Aaa to Aa1. Despite the symbolic weight of the downgrade—citing rising…READ MORE
Follow Nick on LinkedIn It’s always a pretty interesting scenario when clients go from the accumulation phase, working and saving, to the distribution phase. The question becomes: We don’t have a paycheck showing up in our bank account anymore… How are we going to emulate…READ MORE
Follow Nick Bernardo on LinkedIn It’s one of the most common questions we hear: “When should I take Social Security?” At first glance, it sounds like a straightforward financial decision. Very quickly, it opens the door to a much deeper and more nuanced conversation—one that…READ MORE
Markets experienced a volatile but ultimately resilient April, as equities rebounded from early-month losses triggered by escalating trade tensions on “Liberation Day.” Initially shaken by President Trump’s tariff threats, investors regained confidence after the administration delayed most tariffs by 90 days—pushing their implementation to early…READ MORE
Follow Nick on LinkedIn We all like to think we make decisions heavily based on purely rational thinking—but when it comes to money, emotions often have a seat at the table. Whether it’s the anxiety of a market dip or the thrill of a portfolio…READ MORE
