Market & Economic Insights
The Hidden Cost of Holding Too Much Cash in Retirement
Cash feels safe. The wrong amount of it has a real cost retirees rarely measure — the inflation drag and the opportunity cost over a 20-year…
Market & Economic Insights
The Retirement Red Zone: The Decade That Decides How Your Plan Actually Holds
The decade around your retirement date — five years before and five years after — is the window where the math of your retirement gets locked…
Market & Economic Insights
Geopolitics and Your Retirement Portfolio: When It Actually Matters
Most geopolitical news doesn't move retirement portfolios — and the bucket architecture already absorbs the noise. Here's how to tell when geopolitics actually matters, and the…
Market & Economic Insights
Why Earnings Season Matters Less in Retirement
Q2 earnings season starts in mid-July, and the financial press will treat every beat and miss as a verdict on the market. For a retiree with…
Market & Economic Insights
The Fed’s Dual Mandate: What Each Rate Decision Actually Means for Your Retirement Income
On April 29, four Fed members dissented for the first time since 1992. The headline is the split. The useful read is what the split is…
Market & Economic Insights
When ‘This Time Is Different’ Is Actually True (and When It Isn’t)
Sir John Templeton called "this time is different" the four most expensive words in investing. He was usually right — but not always. Here is the…
Market & Economic Insights
Sell in May and Go Away? What Retirees Should Actually Do
The old “sell in May and go away” adage has a kernel of truth in the long-run data — and it still shouldn’t change how a…
Market & Economic Insights
Election Years and the Stock Market: What 80 Years of Data Actually Show
Eighty years of S&P 500 data say election-year volatility is mostly noise — and the twelve months after a midterm have historically been the strongest stretch…
Market & Economic Insights
Reading the Yield Curve: What the Bond Market Is Telling Retirees
Most retirees track the stock market. That's the wrong dashboard. The bond market — and the shape of the yield curve — is where retirement income…
Market & Economic Insights
Why Headline Inflation Doesn’t Match Your Grocery Bill
The official inflation number is built around a working-age household. For retirees, the gap between the headline and the lived experience at the grocery store and…