4th Qtr. Investment Strategies to Consider

The broader capital markets struggled through the first three quarters of the year, but despite all the volatility, there are some tactical moves that can help you take advantage of this environment. Depending on your current investment strategy, here are a few potential moves that you can review for 4th quarter success. For weekly insights, […]

Compounding Returns

Albert Einstein once said, “Compounding interest is the eighth wonder of the world. He who understands it, earns it; he who doesn’t, pays it”. There is a magic to investing that many people never learn. Unfortunately, this usually results in mediocre financial success at best. In fact, about 97% of all workers never accumulate enough money […]

Common Investment Mistakes: Avoid the Big “3”

While poor investment outcomes can result from a variety of reasons, there are a few common mistakes. The good news is that these mistakes can be avoided with a small amount of planning and discipline.  See below the mistakes that I refer to as the “Big 3”: For weekly insights, follow The Welch Group every […]

Inflation vs. Recession

What is worse:  Inflation or Recession?  Many have posed this question to me over the past several months, so I thought it constructive to review their respective attributes and provide context to the challenge facing the U.S. Central Bank/Federal Reserve.  First, it is essential to understand that the Federal Reserve has a dual mandate of […]

How Would you Feel about 9.62% Guaranteed Interest?

The annual inflation rate accelerated to 9.1% in June, the highest rate we have seen since 1981 when Jimmy Carter rolled out the ‘WIN’ buttons (Whip Inflation Now). This is the worst inflation in over 40 years! Inflation is hard to miss. A tank of gas is approaching $100 and prices of just about everything […]

Are We in a Recession? Are you at Risk?

The National Bureau of Economic Research (NBER) currently defines a recession as “a significant decline in economic activity across the economy, lasting more than a few months, normally visible in real GDP, real income, employment, industrial production, etc.” Historically they defined a recession as simply “two consecutive quarters of decline in real Gross Domestic Product […]

Changed Jobs? What Are Your 401(k) Options?

Each year, millions of Americans retire or change jobs.  In fact, due to the tight labor market in 2022, Americans have more leverage than in the past with approximately 65% of workers currently looking for alternative opportunities.  Regardless of the reason for your employment transition, do not forget about your old employer-sponsored 401(k)’s. According to […]

Declare July 5th as YOUR Financial Independence Day!

Yesterday we celebrated the 4th of July (Independence Day) as a nation. It is a great time to remember the sacrifices Americans made to free themselves from British rule and set America on a course to become the greatest nation on earth. For weekly insights, follow The Welch Group every Tuesday morning on WBRC Fox […]

Making Sense of Your 401(k) Options

For most participating in a company 401(k) plan, it can be difficult to confidently create a portfolio that aligns with one’s financial goals and objectives. The challenges vary from the confusion around expenses to the limited menu of stock and bond mutual fund options; not to mention the illusion of diversification. So how do you […]

2022: The Perfect Storm for Emotional Investment Mistakes

Investors with broader stock and bond market index exposure are experiencing unusual amounts of pain in 2022. As of today, the indexes are down approximately 16% and 15% respectively. While the correction in the broader stock market after a 12-year bull run is not surprising, the poor bond market performance is. Investors are accustomed to […]