Blog

In America today, there are millions of people¹ between their 50th birthday and making work optional. Most of the money these people have saved (and will save over the next five, ten, or fifteen years) is going to be directed into retirement investment accounts. This may well become the most money they’ve ever accumulated in their lives.

Chances are you are one of these people…

The dominance of large growth companies these past 10 years is no secret. Every day we listen to reports about Facebook, Amazon, Apple, NVIDIA, Netflix, Google, and Microsoft. But to truly appreciate their dominance in the stock market, one needs only to look at the graph below that illustrates the outperformance of Growth vs Value. The higher up on the graph, the more the outperformance of large growth companies. Today’s outperformance dwarfs the early 2000s and the 2008/9 Great Financial Crisis…

Everyone knows that the coronavirus has changed how we live, work, and play. As a result, people are spending more money and time on the internet than ever before. In fact, some experts estimate that Americans are spending 30% more money online¹. Meanwhile, social media, teleconferencing, telehealth, and mobile payment services are playing an increasingly important role in our daily lives. Many of us are even doing our grocery shopping online!

The internet makes it easier to do more things from home than we ever thought possible. But with this added convenience comes an added risk…

In 1777, my ancestor, Abraham Scharf, joined the York Militia. He was the first person in a long-line of my family that has served in the military. My Grandfather, Great Uncle, Father, and Uncle all served in the Navy. My Sister and I were in the Army. Currently, my niece, Nadia, is in basic training at Fort Leonard Wood, training to be a Firefighter in the Army. We are so excited for her, taking this huge step of commitment in her life. We have a number of great clients who are Veterans of all branches of military. Heroes such as these are why we have the freedoms we enjoy in these great United States.

So you can imagine my disgust when I saw the articles last summer indicating that patriotism in the USA was at its lowest level ever…

There’s a great song by Pam Rose called “My Life”. I’ve listened to it hundreds of times. This song has motivated me and kept me grounded throughout my career. It’s great to listen to after a long day or just to get your mind back in line with the bigger purpose of your life. But the message of this song couldn’t be any clearer…

First off, happy Labor Day! We hope you have a nice, long weekend with family and friends.

As you know, Labor Day is officially about celebrating the labor movement and the contributions made by laborers to our nation’s history. Unofficially, it’s become a day for fun in the sun. A day for barbecues and beach parties, picnics and parades.

As we began planning our own family celebrations, we started thinking about the connection between both the official and the unofficial sides of the holiday…