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Patience in Investing: 2026 Update

March 19, 2026The saying “Risk equals reward” is incomplete on its own. For example, were you to say, “Risk equals reward, but not all risks are rewarded”, you’d be correct (that’s a topic for another time). Furthermore, there’s a time factor involved in the reward side of this simple equation. We’d say, “Risk equals reward. But you must wait for it.” How long? You never know. And therein lies the risk. While we’ve recently hit new highs (February 26th), the road to these levels has been peppered with periods of no growth, or no reward for the risk – periods that can ... Read More

Tax Law Changes

January 21, 2026Here are the important changes that affect your 2025 taxes and beyond: Increase in Deductibility for State / Local Taxes What changes: Before 2025, state, real estate, and excise taxes combined were only deductible up to $10,000 in aggregate. That limit is now $40,000. Further Restrictions: N/A Income Limit: Yes, if your income is greater than $500,000, the excess deduction is phased down. Increased Standard Deduction for Senior Citizens What changes: There is an additional deduction of up to $6,000 for each person who is over 65 by year-end. Further Restrictions: N/A Income Limit: Yes, if your income ... Read More

Frequently “Oaked” Questions: The “AI Bubble”

October 31, 2025You Asked, So We’ll Answer FOQ: So why is everyone talking about an “AI Bubble”? Short: AI stocks have been going crazy Long: AI, or Artificial Intelligence, has captured the imagination of the world. What can it do? How will life change? Will the robots take over and kill us all? If the last one happens, it’s on us. Hollywood has given us plenty of warning: Anywho, one would think there’s money to be made here, and the stock market is just the place (untrue, but the masses won’t hear it!). So in the last few years, AI stocks ... Read More

SCAM ALERT

September 4, 2025A client just got this email (the circles are ours, of course): It is not from Charles Schwab. Nor has Charles Schwab been hacked. Scammers target companies like Schwab due to their ubiquity. Think Apple, Amazon, FedEx…they are all so big and so widely used that scammers just hope you use these companies and believe the email is real. Here are the signs of the scam, going from top to bottom. First, the sender email is “.click”. Schwab is only ever “.com”. Second, the link has the same issue, but this time it’s “.ink”. Third, to be sneaky, they left ... Read More