All Insights

As we close the book on 2025, the stock market gave investors a solid, if not euphoric, finish. The final three months of the year were characterized by steady gains rather than an explosive rally, pushing the total returns for 2025 to respectable double-digit levels. The S&P 500 (a good measure of the overall U.S. stock market) rose 2.7%  in the fourth quarter, bringing its total gain for the year to 17.9% . Back in October, there was a measurable amount of nervousness—conce

Caregiving is no longer a rare or short-term responsibility. Millions of Americans are balancing full-time careers while caring for children, aging parents, or other dependent family members. For many, this happens simultaneously—placing them squarely in the sandwich generation. Yet caregiving is still rarely treated as a financial planning priority. Most families assume caregiving will be temporary, manageable, or something they’ll “figure out as they go.” Unfortunately, tha

As we close the books on 2025, investors find themselves standing before a familiar "Wall of Worry." Headlines are filled with anxieties ranging from government debt levels and political changes to lingering fears about inflation. It is natural to feel cautious in this environment. However, experienced investors know that markets often climb this wall, performing well even—and sometimes especially —when the news feels uncertain. This year, that climb is being aided by a signi