Darrow Wealth Management

NOVEMBER 20, 2023

For example, a 73-year-old couple with pre-tax retirement account balance of $2,000,000 on December 31st 2022 would have to take RMDs of $75,472. If they converted $100,000 to a Roth on December 31st 2022, their RMD would be $3,774 less this year. This way you won’t be out of the market or incur additional transaction costs.

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Investing Caffeine

JANUARY 3, 2023

Stock and bond market returns in 2022 were disappointing, but we now get to start 2023 with a clean slate. There is some good news and bad news as it relates to this year’s underwhelming stock market results (-19.4%). 2022: -19.4%. 2022: The Year of No Shock Absorbers ( Worst Bond Market Ever ).

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Economy Transportation CFP Investing 59

Investing Caffeine

MAY 2, 2022

Market corrections are never comfortable, but successful, long-term investing comes with a price…no pain, no gain! Slome, CFA, CFP®. This article is an excerpt from a previously released Sidoxia Capital Management complimentary newsletter (May 2, 2022). Source: TradingView chart with Sidoxia notations. So, that’s the bad news.

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Electronics Economy CFP Investing 59

Investing Caffeine

FEBRUARY 1, 2023

Commentators continue to shout the doom-and-gloom forecasts of a hard landing recession, but after an economic hurricane in 2022 there are some signs the financial clouds have begun to lift this year. It may not be time to bust out the sunscreen quite yet, but the dark economic clouds of 2022 appear to be lifting slowly.

Economy 59

Economy Economics CFP Investing 59

Investing Caffeine

JUNE 1, 2022

UNEMPLOYMENT RATE (1997 – 2022). Not many people predicted a +48% gain in the stock market during a global pandemic (2020-2021), just like not many people predicted a short-lived -20% reduction in the stock market during 2022 as we witnessed record-high corporate profits and unemployment rates hovering near generational lows (3.6%).

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Economy Government Economics CFP 59

Investing Caffeine

APRIL 1, 2022

After a painful start to 2022, the stock market surged last month, with the S&P 500 index gaining a respectable +3.6%, while the technology-heavy NASDAQ index rose by +3.4%. Slome, CFA, CFP®. This article is an excerpt from a previously released Sidoxia Capital Management complimentary newsletter (April 1, 2022).

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Investing Caffeine

JANUARY 3, 2022

What Now for 2022? As I made clear earlier, at Sidoxia, we do not attempt to predict the directions of markets, but rather we look to opportunistically take advantage of many different dynamic areas that we believe provide the best risk-adjusted return potential for our clients. Slome, CFA, CFP®. www.Sidoxia.com.

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Investing Caffeine

MARCH 1, 2022

Although the stock market as measured by the S&P 500 index has gone gangbusters over the last three years, almost doubling in value (2019: +29%, 2020: +16%, 2021: +27%), the S&P 500 has hit an air pocket during the first couple months of 2022 (-8%), including down -3% in February. Slome, CFA, CFP®. www.Sidoxia.com.

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Economics Accounting Advertising CFP 59

Investing Caffeine

AUGUST 2, 2023

Source: TradingEconomics.com Inflation Moving in the Right Direction After such a lousy 2022 in the financial markets, why such a searing return for 2023? Your air-conditioning bill may be going up this summer, but so will your stock market portfolio, if your investments are being properly managed. Slome, CFA, CFP® Plan.

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Investing Caffeine

JULY 5, 2023

The pace of interest rate increases since early 2022 has increased at the fastest rate in over four decades (see chart below). Unfortunately for those following this overly simplistic guidance of not opposing the Fed, investor portfolio balances have been harmed dramatically during 2023 by missing a large bull market run.

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Accounting CFP Investing Investments 52

Investing Caffeine

AUGUST 2, 2024

For most of the 1990s, Growth was dominant, and ever since the aftermath of the 2008 Financial Crisis, Growth stocks have once again overshadowed Value stocks a majority of the time (2022 being a short-lived reprieve for Value stocks). Slome, CFA, CFP® Plan. www.Sidoxia.com Wade W.

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CFP Investing Investments Economy 52

Indigo Marketing Agency

JANUARY 24, 2024

Steve Sanduski Reason to Follow: Valuable advice and coaching for financial professionals, especially through his podcast Steve Sanduski is a CFP® professional and personal coach to financial professionals. She is a CFP® professional, leading speaker, host, and brand ambassador who has become a go-to resource in the industry.

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Financial Advisor CFP Financial Services Education 52

Investing Caffeine

AUGUST 4, 2022

S o far, 2022 has been a volatile year in the financial markets, and as a result, investors have been on an emotional rollercoaster, questioning whether we are going into a recession, or are already in one? in the first quarter of 2022 ( see chart below ). Slome, CFA, CFP ®. Depression is when you lose yours.”

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Economy Economics Investing Investments 45

Sara Grillo

APRIL 10, 2023

Robert Wright, CFP Lee: The list of things Gary Gensler doesn’t own is probably very short. ” – Robert Wright, CFP For someone to be able to send payments overseas, bitcoin and cryptocurrencies help with that. What we’ve seen in 2022 is that there were a number of hacks. Wright: So is cash.

Investing 52

Investing Investments CFP Financial Advisor 52

Indigo Marketing Agency

JANUARY 24, 2024

Steve Sanduski Reason to Follow: Valuable advice and coaching for financial professionals, especially through his podcast Steve Sanduski is a CFP® professional and personal coach to financial professionals. She is a CFP® professional, leading speaker, host, and brand ambassador who has become a go-to resource in the industry.

Financial Advisor 52

Financial Advisor CFP Financial Services Education 52

Good Financial Cents

DECEMBER 14, 2022

In short, they are financial planning counselors who help people protect their assets. A Bachelor’s degree in finance or a related field is required, and a CFP(Certified Financial Planner) certification is preferred for insurance advisors. Who doesn’t want to make a fortune by correctly predicting the stock market?

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Budgeting Compliance Accounting Insurance 88

Investing Caffeine

FEBRUARY 1, 2022

T he stock market has been like a rocket ship over the last three years 2019/2020/2021, advancing +90% as measured by the S&P 500 index, and +136% for the NASDAQ. After this meteoric multi-year rise, stock values started to come back to earth in 2022, and the rocket ship turned into a roller coaster during January. www.Sidoxia.com.

Math 52

Math Assets Investing Investments 52

Sara Grillo

AUGUST 14, 2023

In 2022, 34 Scholars, advisors and former regulators spoke on ten panel on fiduciary issues to advisors, policy makers, consumers and the media. From this vantagepoint, she gained unique insight into how financial advice and products are delivered to investors. She obtained her CFP designation in 2003.

Financial Advisor 52

Financial Advisor Fiduciary Duty Insurance Financial Advice 52

Sara Grillo

NOVEMBER 14, 2022

Mettler is a CFP® certificant (INSERT LINK WHEN AVAIL) and he says that even the CFP Board passed a fiduciary guideline. Macchia chimes in, saying he finds it ironic that the first module in the CFP program is risk management, which he interprets to be about insurance. Our scheduled meetups are here: December 14th, 2022.

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Insurance Retirement Financial Advisor License 59

Sara Grillo

DECEMBER 12, 2022

A student of the industry, he also has the following designations: the Fellow, Life Management Institute (FLMI), the Chartered Life Underwriter (CLU), the Chartered Financial Consultant (ChFC), the Certified Financial Planner (CFP), and the Chartered Financial Analyst (CFA). Matt Pruitt, CFP®, CFA®. Chris Randall.

Financial Advisor 52

Financial Advisor Commission Clients Insurance 52

Bell Investment Advisors

JUNE 29, 2023

And remember, with a lot of financial markets, it’s not what the result is but it’s more the change in expectation. A View from 1/1/2022 28:07 Ryan Kelley: Once we flip to this slide, same exact benchmarks. I believe Bell sold out of our real estate or REIT positions in early 2022. Okay, great.

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Marketing Marketing Banking Numbers 52

Sara Grillo

SEPTEMBER 26, 2022

In Part Two of our two part series on the CFP Board, the heated debate continues. We’ll discuss these questions: The CFP Board has specifically stated that it wants the CFP® mark to be a requirement for anyone who practices financial planning. What do you believe the CFP Board’s role should be in the future?

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CFP Financial Advisor Financial Planner Ethics 59

Investing Caffeine

DECEMBER 2, 2024

Dissecting Stock Performance & Valuations A lot of pundits are pointing to an overheated market, but on a 3-year basis, returns are looking more normalized (+8.2% per year) because of the -20% hit on stocks during 2022. stock market. Slome, CFA, CFP® Plan. www.Sidoxia.com Wade W.

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Marketing Marketing Valuation Economics 52

Investing Caffeine

SEPTEMBER 3, 2024

Source: Calafia Beach Pundit Conversely, the story was quite different in 2022 when the Federal Reserve began its crusade against out-of-control inflation ( see chart below ) by starting its first of 11 interest rate hikes that spanned from January 2022 through July of 2023. The net result was a stock market that tanked -19% in 2022.

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CFP Investing Investments Economy 52

Sara Grillo

SEPTEMBER 12, 2022

A $100 increase in the CFP annual certification fee spurred an industry outcry, leading many to question whether the designation is worth it or not. There are more than 92,000 CFP® certificants, as per the CFP Board’s 2022 measure. Is it time to say “FU” to your CFP designation? So please subscribe!

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CFP Financial Planner Ethics Financial Planning 80

The Big Picture

MAY 21, 2024

They eventually get a CFP and they go to the advisory side. And somehow in 2022 when, when stocks were down about 20% and bonds were down about 15%. I don’t read 01:12:06 [Speaker Changed] A lot that has to do with financial markets. That that works for them. And when I was younger Interesting.

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Numbers Management Banking Marketing 147

Investing Caffeine

FEBRUARY 5, 2025

deregulation and lower proposed taxes) allowed the financial markets to finish the month with respectable gains. Ever since OpenAI launched its ChatGPT language model (LLM) at the end of 2022, the global AI gold rush began. Slome, CFA, CFP Plan. DeepSeek = Deep AI Trouble? www.Sidoxia.com Wade W.

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Taxes Economics CFP Investing 52

Investing Caffeine

OCTOBER 4, 2022

Some of that pain can be seen in mortgage rates, which have more than doubled in 2022 and last week eclipsed 7.0% ( see chart below ), the highest level in 20 years. Slome, CFA, CFP ®. Source: Calculated Risk. Now is Not the Time to Panic. There is a lot of uncertainty out in the world currently (i.e., but that is always the case.

Economy 59

Economy Economics Investing Investments 59

Investing Caffeine

JUNE 1, 2023

2023 Stock Performance Explained – Index Up but Most Stocks Down Although 2022 was a rough year for the stock market (i.e., S&P 500 down -19%), stock prices have rebounded by +20% from the October 2022 lows, and +9% this year. Slome, CFA, CFP® Plan. Microsoft Corp., Amazon.com Inc., NVIDIA Corp.,

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Engineering Accounting Healthcare CFP 105

Investing Caffeine

DECEMBER 1, 2021

Subsequent to the completion of the tapering, industry observers now expect a greater than 50% probability for the first interest hike to occur by June 2022. History tells us this will never happen, but the mere game of political brinksmanship could rattle markets in the short-run. Slome, CFA, CFP®. www.Sidoxia.com.

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Healthcare Government Pharmaceutical CFP 52

The Better Letter

JANUARY 12, 2023

Jason Zweig @jasonzweigwsj 1:32 PM ∙ Aug 18, 2022 66 Likes 12 Retweets The above is from Jason’s brilliant book, The Devil’s Financial Dictionary. ” By June 2022, inflation topped 9 percent and remains at 6.5 The consensus estimate was that the S&P 500 would reach 4,825 as of the end of 2022.

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Economy Economics CFP Management 118

Investing Caffeine

MARCH 3, 2025

Matters got worse for the cryptocurrency industry when FTX, one of the worlds largest crypto exchanges went bankrupt in 2022, and its founder and CEO, Sam Bankman-Fried, was subsequently arrested and convicted for fraud and money laundering. Gox); China banning Bitcoin in 2013; and the COVID pandemic crash in 2020.

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Assets Investing Investments CFP 59