HSA Funds: To Spend or Not to Spend (a.k.a. Invest)

HSA Funds: To Spend or Not to Spend (a.k.a. Invest)

Personal Finance Investments

In my early teens, I went on a community service trip in Ecuador. Each night, we gathered in a circle and reflected on our day, a famous quote, philosophical question, etc.

One night, we were asked, “Is it...

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A Breath of Fresh Air in Current Markets

A Breath of Fresh Air in Current Markets

Investments

After the Great Financial Crisis (GFC) of 2008 and 2009 much was written about how troubling it was that diversification1 no longer worked. This conclusion was drawn since all stocks moved in the same downward...

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Keeping Inflation in Perspective

Keeping Inflation in Perspective

Investments

We hear a lot of questions about inflation lately. It’s understandable. It’s nearly impossible to avoid seeing or hearing mention of it in financial, business, or even popular media these days. Unfortunately,...

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One Thing After Another

One Thing After Another

Investments Audio/Video

Do you remember what the widely publicized financial market concern was before the COVID-19 pandemic began? Neither did I until I looked it up.  It was the “Inverted Yield Curve”.  I’ll spare you all the mundane...

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An Introduction to Pre-Tax vs. Roth Savings

An Introduction to Pre-Tax vs. Roth Savings

Personal Finance Investments

In 1997, as part of the Taxpayer Relief Act, Delaware senator, William Roth, helped establish the Roth account. In the <25 years since its creation, it has become widespread.

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It’s Been a Year

It’s Been a Year

Investments

It's been a year.

As in the figurative sense of, “Wow, it’s been quite a year!”

And, in the literal sense, it has been 365 days* since stock prices reached bottom.  A year since stock prices fell low enough that...

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7 Questions 3M Employees Need to Answer

For over 20 years, we’ve helped 3M professionals achieve their financial goals.

We start by helping them answer these key questions.
Get the Answers
2020 Market Review - No One Expected it to Be Like That

2020 Market Review - No One Expected it to Be Like That

Investments Audio/Video

Welcome to 2021! I’m sure nobody reading this needs me to remind them that 2020 was a difficult year and one that many would just as soon forget. I want to make the case that forgetting the investment events of...

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Post Election Perspective on Markets

Post Election Perspective on Markets

Investments

A lot has happened so far in 2020.  You can say that for every year, but 2020 took it to a new level with the COVID-19 pandemic and associated upheavals to our lives and financial markets.  Add to that a...

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3 Investment Questions You Might Be Wondering and How to (or not) Respond

3 Investment Questions You Might Be Wondering and How to (or not) Respond

Investments Audio/Video

Last weekend I was listening to a podcast where the host was interviewing an investment manager from a large Wall Street investment firm.  The manager was touting the success of his pre-2020 prediction that...

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3 Important Investment Lessons for Today

3 Important Investment Lessons for Today

Investments

You probably don’t need me to remind you that it’s been about six months since the new Covid-sponsored reality has taken hold.  But maybe it is worth pausing to reflect and wonder aloud, “has it really been that...

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Is It International’s Time to Shine?

Is It International’s Time to Shine?

Investments

January 2020

Flash back to January 2020. The U.S. economy was booming. Unemployment stood at 3.6%. The stock market was on a record 10 year run in which the S&P 500 had outperformed its international developed...

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How to Be Confident When Markets Can’t Be Explained

How to Be Confident When Markets Can’t Be Explained

Investments Audio/Video

A question we’ve heard from many of you in recent months and weeks generally follows the theme of wondering how or why stock prices have recovered so much and so quickly since March, despite so much uncertainty...

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