The Retirement Timing Trap

Why "Time in the Market" is Your Most Valuable Asset in 2026

For many individuals reaching age 65 this year, the instinct to protect a lifetime of savings is at an all-time high. With retirement less than 12 months away, the volatility of the current market—where moves of 1% or more occur every 5 to 6 trading days—can feel like a threat to your future security.

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Thank You, Thank You, Thank You!

I recently had a great reminder of why I really love serving in wealth management.  I was chatting with a client and I let her know that she and her husband were approaching their 10-year anniversary as AssetGrade clients. 
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Catch-up Contributions in 2026

Do you participate in an employer-sponsored 401k Plan and are over 50 years old? Catch-up contributions are additional contributions that employees 50 years and older can make to a 401(k) or similar workplace plan.
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The OBBBA Act: 4 Key Provisions That May Affect You

Hello Friends,

We hope you had a wonderful summer with family and friends! As we look ahead to fall, we want to highlight an important development: the One Big Beautiful Bill Act (OBBBA), signed into law on July 4th.

This sweeping legislation includes a wide range of tax provisions impacting both individuals and businesses. In this month’s newsletter, we’ll preview a few of the most significant changes. Over the coming months, we’ll dive deeper into each of these topics and explore what they could mean for you.

 

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Why We Should All Put a Credit Freeze in Place

Credit freezes are one of the most effective, yet least-discussed, techniques to prevent identity theft.  They might be little-known because no one, including the credit bureaus, actually makes any money from a credit freeze – unlike credit locks, they are now provided for free.  Putting a credit freeze in place prevents the credit bureaus from sharing your credit report with any third parties, which makes it hard to establish new credit.  The freezes are very useful for each of us, because they help to prevent a significant loss of time

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April Angst: A Reminder from the Market, Timing Rarely Pays

Let’s talk about April 2025.

It was the kind of month that gives market watchers whiplash and reminds long-term investors why patience and maybe antacids are needed at times. On April 2nd, President Trump declared “Liberation Day,” unveiling a sweeping package of tariffs: 10% on all imports, with even higher rates on Chinese and European goods. The market reacted with a sharp decline.

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Roth IRA for Kids

Today there are many opportunities to help a child invest for their future, and to teach a child about the importance of saving. While savings accounts still exist, there are now tax efficient ways, such as a Roth IRA, to teach a child to save for his or her future. 

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