Milestone 2020 Year in Review

As we near the end of this challenging year, we reflect on those who have died and all who are experiencing loss. We grieve with them. We applaud the bravery of our healthcare and essential workers who have been on the front lines throughout this pandemic. We are so grateful for the blessings that we have. Most of all, we are thankful for the wonderful relationships that we have with you – our clients and friends. We produced a video to recap this year, and hope you enjoy it.


Have a wonderful holiday, and thank you again for your continued confidence.

Market Update - August 2020

We hope you are enjoying your summer! 2020 has been a challenging year to say the least, but we are grateful for our health and the relationship we have with you. We are sad we won’t be able to host the car show picnic this year!

Should I pay off my mortgage early or invest those funds?

If you have a good credit rating and a low mortgage interest rate (Google “current mortgage rates”), the decision of whether to accelerate your mortgage payoff or not is a question of your preference and tolerance for risk.  

May 2020 Newsletter

We hope this message finds you and your loved ones safe and healthy!  We wanted to check in to let you know we are all doing well and are available to talk if you need us.  For now, we are conducting our normal reviews via video calls or through screen sharing phone calls. 

Are you still on track for retirement?

The Coronavirus triggered the fastest decline in stock prices we have seen since the Great Depression.  While high volatility is likely to remain, what things should you be doing to ensure the economic impact from this doesn’t derail your retirement?

Coronavirus and Oil Shock Market Update

Fear over the impacts of coronavirus, a sharp drop in oil prices, and government bond interest rates hitting historic lows are shaking markets.  What is happening, and what does it mean for you and your investments?

Coronavirus Market Update

The stock market has had a rough week. As you are likely aware, concerns of a global spread of the Coronavirus (COVID-19) are mounting and are impacting the markets. 

Market Update

As you are likely aware, 2019 was a great year for investors.  After a dip at the end of 2018, both conservative and aggressive investors profited as stock and bond markets were up well over their historical averages for annual returns.  

How much did you just pay for life insurance?

We are big believers in life insurance and its role in creating a successful financial plan.  However, selecting the right type of insurance can make a huge difference in creating wealth over time.  

Market Update: The Inverted Yield Curve and What it Means

When we walk into a bank and want to invest our money safely by buying a CD (thereby lending the bank money for a fixed time period), we expect a higher interest rate for a 10 year loan than a 2 year because we’re giving them our money for a longer time period.  In the same way, we as borrowers pay a higher interest rate for a 30-year mortgage than a 15-year.  It’s normally the same way for government bonds (loans to the US government).  Today, for the first time since 2007, that expectation is not the reality.  Investors now get a lower rate of interest on 10-year government bonds than 2-year bonds.  That has traditionally been a bad sign for the economy - an indicator of a possible recession coming in the next year or two.