As humans, we may react emotionally to portfolio volatility, changes in career, or world events. We often feel insecure or out of control during these moments. Feeling secure, particularly financially secure, is just that—feelings. As we encounter these moments of feeling insecure, it is important to think it through: Why do I feel this way? What would make me feel better? How should I react? And then pause before reacting to reflect. Recently, my spouse and I ... [Continue Reading]
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With nearly 40 years of industry experience, there are several market drawdowns that stand out in my mind, each of them with their own characteristics. We’re hearing a lot about volatility today, and we often do when the S&P 500 dips. But it’s important to remember that volatility applies just as well to times when it’s up. After all, the definition of volatility is the tendency to change quickly and unpredictably.1 In short, volatility is our constant companion and inherent to an investment ... [Continue Reading]
Our deep and broad multi-disciplinary approach to wealth management is unique in the industry and is designed to provide clients and their families with optimal outcomes. In keeping with that commitment, I'm excited to introduce you to CCM Director of Estate Planning Janelle Schrupp, J.D. In her role at CCM, Janelle lends her experience in estate planning and elder law to support clients in developing and administering estate plans to efficiently transfer wealth. She has a heart for people ... [Continue Reading]
As we approach the end of the year, it is a great time to evaluate your tax situation—both for this year and next. A crucial step in the evaluation process is having a tax projection completed. A tax projection is the process of preparing a pro-forma tax return based on actual year-to-date information and on forecasted information for the remainder of the year. In times such as the past several years where we’ve experienced complex and ever-changing tax laws, a projection also allows for careful ... [Continue Reading]
The shifting from summer to fall always fills me with an urge to prepare. It’s not necessarily clear what I’m preparing for, but slowly darkening days, cooling temps, and seeing the harvest being brought in across the farms in our area triggers something deeply rooted inside me to know that change is on the horizon and it’s time to get ready. Professionally, there is a similar change in focus that occurs as October comes around, but, fortunately, the cause of this shift is more clearly ... [Continue Reading]