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Steve Latham, CFA, CFP® | Chief Investment Officer

2026 Will Be Different for Consumers | December 2025 Market Update

Will 2026 feel different for consumers? In this December 2025 market update, Chief Investment Officer Steve Latham, CFA, CFP®, talks through what we’re seeing in inflation, interest rates, and day‑to‑day affordability, and what that could mean for you and your family in the year ahead. Steve walks through how spending on goods and services is changing, why some households are feeling more pressure than others, and how remaining savings may continue to support the economy.

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Ty Bernicke, CFP® | President & CEO

Why Taking Social Security Early Makes More Sense Than Ever

The Social Security Trust Fund is projected to be depleted by 2035. Once depleted, the program will only be able to pay 81% of promised benefits unless Congress acts. This potential reduction has significant implications for when you should claim Social Security.

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Ty Bernicke, CFP® | President & CEO

5 Smart Year-End Tax Planning Strategies to Consider

Waiting until later in the year to employ tax strategies can be beneficial because your income tax situation is clearer by then. At the beginning of the year, there are frequent unknowns that may influence the best strategies to employ.

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market update
Steve Latham, CFA, CFP® | Chief Investment Officer

Is Consumer Spending Still Propping Up the Economy?

Is consumer spending still supporting the U.S. economy? In this November 2025 market update, Chief Investment Officer Steve Latham, CFA, CFP®, explains the latest trends in consumer spending and confidence.

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Ty Bernicke, CFP® | President & CEO

What Mutual Funds Really Cost You in Retirement

Mutual funds often carry more costs than investors realize. In this video, I take a closer look at the layers of expenses that can impact your investment performance over time. From expense ratios and transaction costs to cash drag and taxes, you’ll learn how these factors work together and what they could mean for your long-term returns. 

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market update
Ty Bernicke, CFP® | President & CEO

Is the Stock Market Overvalued?

Is the stock market overvalued right now, and what does that mean for your investments? In this financial market update for October 2025, Ty Bernicke, CFP®, President & CEO, breaks down the current stock market trends, valuation metrics, and what they suggest for investors moving forward.

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Steve Latham, CFA, CFP® | Chief Investment Officer

The S&P 500 Defies the “September Effect”

September has garnered an unfortunate reputation in the finance industry for being a notoriously difficult month to navigate. The “September Effect” generally focuses on the idea that S&P 500 returns have been weaker on average in September than in any other calendar month. And while this may be true, there’s a lot that can happen during any given September.

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market update
Steve Latham, CFA, CFP® | Chief Investment Officer

How Slow Job Growth is Influencing Fed Policy

What does the recent slowdown in job growth and rising unemployment claims mean for the Federal Reserve’s interest rate decisions and the economy? In this financial market update for September 2025, Chief Investment Officer Steve Latham, CFA, CFP®, breaks down the recent jobs trends and what they suggest about the Federal Reserve’s next moves.

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