Friends, The first half of 2025 served as a reminder of why diversification remains one of the most valuable principles in investing. It was a period marked by volatility, uncertainty, and shifting narratives. Yet, despite the ups and downs, investors with well-diversified portfolios emerged in [...]

Friends, In recent weeks, we've experienced a period of significant market volatility. We understand that market fluctuations can be unsettling, and we want to provide you with context and reassure you of our commitment to your long-term financial well-being. Overview of the Last 6 [...]

Friends, I am forwarding you an excellent essay by DFA founder David Booth PhD about our recent market volatility: When markets feel as shaky as they do now in the US, it is normal to ask: Is this time different? After all, the S&P [...]

Dear Friends, I hope 2025 is off to a great start! Examining the last few years based on market returns, it would be easy to say that every year except for 2022 was great. It is natural human behavior to think about up markets [...]

Dear Clients and Friends, I hope this message find you well and that you had an enjoyable summer! We are in the process of scheduling our fall meetings, and you will be hearing from Audrey shortly to schedule your meeting (unless you have one already [...]

Dear Clients and Friends, Most of us are familiar with Aesop’s timeless fable of  “The Tortoise and the Hare” and its titular characters. After bolting to an early lead, the overconfident hare stops for a nap. Meanwhile, the tortoise maintains a steady pace, albeit a [...]

Dear Friends, Happy New Year! We have finalized the quarter-end reporting and your fourth quarter 2023 reports have been uploaded to your HUB portal. The following is a recap of 2023 markets to provide you with some context as your review your quarter end [...]

Dear Friends, We just ended the third quarter of 2023 and the markets continue to be volatile. Your quarterly reports are now saved to your HUB portals and will be mailed out to you next week. I wanted to share an interesting phenomenon and [...]