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 with the indexes down approximately 21% 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 the “stock market […]

What To Do During An Uncertain Stock Market

Russia’s invasion of Ukraine has exacerbated an already jittery stock market. It wasn’t too long ago when the Dow peaked at 36,799.65 on Jan 4th, 2022, and has since fallen more than 8%. Likewise, the S&P peaked at 4,796.56 and has fallen more than 10% during that same time. Commentary on Russia’s invasion has run […]

What Should You Do About the Russia–Ukraine Crisis and Market Volatility?

World map cropped to emphasize the country of Ukraine

By The Welch Group The events of the last few weeks in Ukraine have been stressful and upsetting to many of us. The buildup of Russian forces along the border, rising tensions, and the ensuing attack have caused worldwide shockwaves. People across the globe are understandably concerned and anxious.  What’s more, the events have caused […]

Could a Cup of Coffee Cost You $1 Million Dollars?

Why is it so hard for Americans to be financially independent? Statistically, less than 3% of Americans ever achieve financial independence, much less financial abundance. For decades, Financial advisors at my firm and I have worked with individuals and families to achieve their financial goals. Over the years, we have noticed certain trends for success. […]

The Great Resignation & Your 401(k)

zoomed in perspective of two people sitting at a table exchanging a piece of paper that reads "resignation"

There have been many changes since the Covid-19 pandemic began. One of the most significant changes has been the job market, specifically the increase in job resignations and remote positions. In what is now being called The Great Resignation, more people quit their job in November 2021 than in any time in recent history. For […]

Combat Inflation by Owning Assets

Inflation is at the forefront of everyone’s mind as the most recent year-over-year Consumer Price Index (CPI) reading for December came in at 7.1%. The inflation reading was the highest in almost 40 years and is particularly concerning considering the most recent average hourly earnings data showing an increase of only 4.7%. For weekly insights, […]

Is the 2022 Stock Market Predictable?

Coming off a record stock market rise in 2021 and then seeing the stock market reach a new high on the first day of 2022, what should you expect for this year? For 2021, the stock market, measured by the S&P 500, gained 27% while the DOW gained 19% (excluding dividends). These are great returns, […]

Understanding Bitcoin

In the first article of a two-part series, What’s The Deal With Bitcoin, we reviewed the definition and history of money, the traits humans look for in searching for sound money, and why Bitcoin came into existence.  In this article, we discuss the technical aspects of Bitcoin, arguments for and against it, and how to […]

What’s The Deal With Bitcoin?

The momentous upward move in the price of Bitcoin in late 2020 and early 2021 caused many people to take notice of the cryptocurrency world for the first time. While it is natural for people to be interested in or curious about this new cryptocurrency, it is surprising that people rushed to allocate capital in […]