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Thank you to all who attended our recent 2026 Semi-Annual Market Update Webinar. In this post, you'll find the recording of our webinar to listen to on-demand as well as our slide deck presentation.

As cryptocurrency continues to gain traction in mainstream finance, some policymakers are pushing to defund the Securities and Exchange Commission (SEC)—the very agency tasked with protecting investors and maintaining market integrity.

On July 4th, President Trump signed into law the One Big Beautiful Bill Act—a far-reaching piece of legislation that locks in many tax provisions from the 2017 Tax Cuts and Jobs Act and introduces new rules that will touch everything from household deductions to estate planning thresholds.

Thank you to all who attended our recent 2025 Semi-Annual Market Update Webinar. In this post, you'll find the recording of our webinar to listen to on-demand as well as our slide deck presentation.

There’s no downside to having a plan for taking care of your hard-earned finances and assets after your death. With proper estate planning, your family will greatly benefit from not being left to figure out “what’s next,” and you can feel confident in knowing that the probate court will not distribute assets contrary to ones wishes.

Thank you to all who attended our recent 2025 Semi-Annual Market Update Webinar. In this post, you'll find the recording of our webinar to listen to on-demand as well as our slide deck presentation.

Thank you to all who attended our recent 2024 Semi-Annual Market Update Webinar. In this post, you'll find the recording of our webinar to listen to on-demand as well as our slide deck presentation.

Picture this: It's just another workday, and you walk into your office and tell Alexa to turn on your lights, computer, and music (or, it has already executed your task via a preprogram!)...

Not unlike songs played on a golden oldies radio station, we believe certain retirement fundamental hits are worth repeating. In our case, as we approach the end of tax season we will repeat a mantra with increased importance: Appreciate your accountant. It's easy to take accountants and tax experts for granted when it comes to retirement savings.

The Sedoric Group Outlook is sent to all our clients to provide them with a summary of important financial events and policy changes from the past year. This includes a discussion of the themes we see developing in the years ahead and actionable items to consider.

A recent posting in Axios notes: “A self-inflicted fiscal crisis could come at a terrible time amid a fragile U.S. economy and undermine a Treasury market that underpins the world financial system.” To what are they referring? Look at our nation’s finances today.

We talk a lot about what an investor should look for in an advisor. Terms such as transparency (how does your advisor make their money) or whether they are a fiduciary or a sophisticated salesperson come up in our discussions. The attributes that make for a successful client, however, are often an afterthought, but they should be discussed and celebrated.

There is no doubt that economic uncertainty can unleash a pandora’s box of emotions and potential reactions to events and trends out of our control. Folks had justifiable concerns about portfolios losing value and overall wealth loss from 1973 to 1975 when inflation was raging; similarly in 2002 and 2009 when markets took a significant drop. Wealth loss was, and still is, no laughing matter.Yet, economic downturns are common and we believe the best investors are wise to discern the silver

We have discovered over the years that one of the more interesting aspects of our profession is how folks, often unintentionally, project their feelings, fears, and anxieties onto us. Whether it’s on vacation or at community gatherings, we take our emotional magnet status in stride. During times of economic turmoil such as today, we are on the receiving end of variations on a theme of “Aren’t these very stressful times for you and your clients?” Implicit in this query is

The Sedoric Group's 2022 Annual Outlook Mid-Year Report includes a discussion of the themes we see developing in the years ahead and actionable items to consider as we navigate the second half of 2022.

No matter how hard one tries, there is no denying that the current behavior of markets is a gut check for markets, investors, and the public. For more than two years, we have been sailing through one storm after another of collective events due to synthetically low-interest rates and easy money.

A good fiduciary should be transparent on how they are compensated, how their fee structure is established, their specific roles and responsibilities, and should follow guidelines to avoid, minimize, and disclose conflicts of interest at all costs.

When it comes to retirement, knowing ahead of time how to set yourself up to live comfortably is important. There’s no one-size-fits-most plan when it comes to future financial success. Here at the Sedoric Group, our team of experts will take into account your unique circumstances and help set you up for success.

What’s an NFT? Should I invest in Bitcoin? Which of these trends are passing fads, and which are here to stay? There’s a lot of information swirling around, and it’s difficult to make sense of it all. Let’s break off a small piece to start and dive into the metaverse (figuratively, not literally).

Please listen to our semi-annual conference call with Tom Sedoric and Casey Snyder as they discuss important themes from 2021 and actionable items for the years ahead.

Your goals, objectives, and financial situation are never stagnant from year to year. They’re constantly shifting and evolving as you age and life circumstances change. That’s why your distribution strategy should be reviewed in the context of the previous year and the years ahead.

Among the many lessons in his remarkable 2020 book “The Psychology of Money,” Morgan Housel nails the one about our relationship with money. It is a lesson that should be shared far and wide.“ People want to become wealthier to make them happier. Happiness is a complicated subject because everyone’s different. But if there’s a common denominator in happiness – a universal fuel of joy – it’s that people want control of

This year we’d like to shine the light on you all and share how our clients have stepped up dramatically over the past few years by making investments of their own in the robust nonprofit sector that makes our collective communities special places. We’ve been impressed with the passion many of you have displayed in investing in your communities and The Sedoric Group is grateful for the opportunity to work with you, together with your legal and tax counsel, to become more efficient and strategic.

Healthcare. As a topic of discussion, it’s never really at the top of people’s list of interests – until it is. It’s something we all need to deal with throughout the entirety of our lives, but, outside of actually dealing with it, many of us would much prefer to leave it alone until it’s time to visit the doctor for our annual checkup (let’s pretend for a minute that said annual checkup is not a year overdue). It’s daunting. All of us just naturally want to be healthy.

Beyond mitigating risk, proper retirement planning increases your overall chances of success and provides the financial confidence you have worked for. Success, in the context of retirement, means very different things to different people. Part of the planning process involves identifying your unique wants, needs, and goals for retirement.

What do you want to get out of retirement? Perhaps you and your partner are excited to travel the world, or maybe you’re looking forward to a chance to relax and improve your golf game. You may also have plans to downsize or move closer to children and grandchildren.

Change may seem glacial until it isn’t. Change happens in cascades of opportunities across the world. For our future children, those yet to be born, this trajectory in ESG investing and conscious efforts in sustainability could potentially be the transformational roadmap that makes the Industrial Revolution of the 19th Century seem quaint by comparison.

Preparing (well ahead of time) for a life event can simplify decision-making and give you confidence in your financial future. Many small, simple actions can add up to significant changes in your life and future financial outlook.

So how do you build an ESG portfolio? On the surface, it might seem simple. But it’s important that you have an in-depth conversation with your financial advisor and understand the risks at play when making a transition if you’re not already on the ESG track.

Like summer vacation, retirement requires thoughtful planning and preparation in order to reap the benefits of your years of hard work.

Today, let’s talk about one of the most widely known modes of saving: The trusty 401(k).

Inflation hasn’t been a major issue in the United States since the dreary Stagflation days in the late 1970s and early 1980s. The formula was: high unemployment, double-digit inflation, and interest rates.

Earlier this year, Howard Marks of Oaktree Capital cited the legacy of the “Nifty Fifty” in a memo to clients exploring the ongoing conflict in the financial industry between ‘value’ and ‘growth’ stocks. Marks is a noted value investor and an oft-quoted billionaire in financial circles.

There are many reasons why the Federal Reserve has yet to reverse its course on historically low interest rates. The most obvious reason is also the most surprising: inflation, or the lack thereof...

What might you respond to an advisor who emphatically tells you that taxes will, without a doubt, increase in the future? Would you thank them for being a wise fiduciary and for thinking proactively to help you prepare for a future of potential economic and tax volatility?

When we advise clients that tax rates likely aren’t going to be lower in the foreseeable future, we encourage them to mitigate the risk within their plan and portfolio by working together to create future tax flexibility and efficiency . When they ask us why this will be the case, it is our obligation to educate them about a wide range of issues...

Without much fanfare in May, the House of Representatives passed one of most significant retirement “saving” pieces of legislation in decades. Known as the SECURE Act (Setting Every Community Up for Retirement Enhancement), the measure is an attempt by Congress to get more Americans to save for retirement. As of this writing it is hung up in the Senate but elements of the bill will impact us all eventually and we are always wary of cute acronyms...

During volatile down periods in the market such as we saw in December, we were busy for many reasons. We worked with our clients to educate them about what was happening (markets go up and down) but also to perform constructive triage via Tax Loss Harvesting - an important element of a wise investment strategy meant to help save investors’ money over time...

Regular readers know that we are not shy about tackling controversial issues that impact both our clients and the larger society. The very real and potential generational battle about the future is one deserving of thoughtful consideration and discussion. This subtle clash is in the form of an inter-generational conflict between...

The myriad choices we make over a lifetime regarding our finances, education, health, family, social life, and career often have a cumulative and profound impact on our financial security and our ability to enjoy the fruits of our labor. In an era of uncertain, and likely lower, financial...

Of all the tools at the disposal of investors, few people recognize the financial significance of sequencing. Sequencing has the potential to add great value, but when ignored can be a devastating mistake for those seeking financial security and independence. In fact, when it comes to financial decisions, proper sequencing is as important as...

Taxes are typically our greatest lifetime expense and we make every effort to mitigate their drag on our clients’ retirement portfolios. During our three decades of helping families in their quest for retirement security...

Recently, I had the pleasure of an extended lunch with one of my all-time heroes, Paul Volcker, former Fed Chairman (1979-1987) and the first Chair of the Economic Recovery Advisory Board (2009-2011). I was curious to learn and discuss his opinion on many economic and political topics, but in particular how the Volcker Rule has played out as part of the larger Dodd-Frank financial reform legislation...

A picture of Jim Rothenberg has hung proudly in my office for many years. I considered Rothenberg as one of my earliest mentors in a distant way – we met five times in 30 years. His recent death at the age of 69 was not only stunning for family, friends, and admirers...

What is the value of financial advice? It is an interesting and debated question. Ultimately, the value depends on how well the advisor knows his or her client, how well the investor knows and can communicate what they want and need...

What does it mean to be a feminist today, less than a century after women constitutionally secured the right to vote? And, what does it mean for men?

I believe financial advisors should not only be strong strategists for their clients but be equally passionate educators. There is no subject that gets me going more than market volatility in general and in particular the potential dangers of high frequency trading (HFT). Volatility is a part of...

The ghost of systemic economic collapse in 2008 and 2009 loomed over the recent INET conference at Bretton Woods like the dirt crusted snow on the White Mountains. The Institute for New Economic Thinking’s second official meeting was held...

What is KIPPERS and why is it becoming an important term to know? It’s one of the most astute slang terms I’ve heard in years and is an acronym: Kids Invading Parental Pockets Eroding Retirement Savings – namely adult children who are, or should be, financially independent in their working years...