Articles and Publications

A library of topical publications and articles written by CCM team members specifically for our clients.

What to Focus on During Periods of Volatility

Adam Hoffmann, CFP^®, AIF^®
Chief Investment Officer

Over the past week, the banking sector has experienced one of the most sudden and tumultuous downturns since the global financial crisis of 2008–2009. Recently, the most substantial events were related to the failure of Silvergate Bank on March 8, Silicon Valley Bank on March 10, and Signature Bank on March 12. The Scale of Impact Although they may not be household names for most retail banking customers, Silicon Valley Bank and Signature Bank are the second and third largest bank ... [Continue Reading]

SECURE Act 2.0 Signed Into Law

Kevin Koski, CPA
Principal Tax Advisor

On December 29, 2022, President Biden signed the Consolidated Appropriations Act of 2023 into law, which included the much-anticipated SECURE Act 2.0 to supplement the original SECURE Act passed in 2019. Below are some key highlights of the newly passed legislation,1 which we feel may be most beneficial to our clients and spur additional conversation about your financial planning strategies. Required Minimum Distribution (RMD) Changes Catch-up Contribution Enhancements and Changes ... [Continue Reading]

Financial Conversations With the Next Generation

Jason Kley, CFP^®, AIF^®, MBA
Senior Integrated Wealth Advisor, Director of Operational Excellence

One of the first questions I ask people who are seeking financial advice is, “What are your first money memories?” I ask this because the childhood years are formative when it comes to making money decisions as an adult. In my experience, I have found that people either approach money decisions very similarly or, in contrast, very differently from that of their upbringing; there usually is not a middle ground. As we enter a new year, I encourage you to make a goal of delving further into ... [Continue Reading]

Records and Resets

Adam Hoffmann, CFP^®, AIF^®
Chief Investment Officer

"This too shall pass.” As I’ve aged, this is one of the most important mantras that I carry with me. The origin of this phrase stems back to early Persia, but versions have appeared in many cultures in a variety of forms including songs, poems, speeches, and a screen-printed t-shirt or two. For me, this phrase is an important and constant reminder that neither the bad nor good will last forever. In my early days as a parent, in those first months and years of seemingly constant change, this ... [Continue Reading]

Money and Independence

Callie Geist, CFP^®, J.D., MBA
Senior Integrated Wealth Advisor

I hope you’ve had the opportunity to view our virtual conversation with author and behavioral finance expert Morgan Housel. If you haven’t, I invite you to experience it here. In his book, The Psychology of Money, Housel explores financial lessons in a collection of 18 short stories to highlight the many ways people think about money. The variety of topics addressed nearly guarantees there will be at least one lesson that resonates with or provokes additional thought with each reader. For me, ... [Continue Reading]