Why the Five Years Before and After Retirement Matter Most The decade surrounding retirement, often described as the “fragile decade,” spans roughly the five years before and the five years after the date you leave work. It is a period when portfolio decisions carry unusual weight because the account must transition from supporting future accumulation […]

Rethinking Core Allocation in an Unforgiving Price Environment For much of the four decades defined by disinflation, the conventional 60/40 portfolio offered a remarkably practical balance. Equities supplied long-term growth, while high-quality bonds generated income, dampened volatility, and often gained value when stocks declined. Falling inflation and generally declining interest rates created a supportive backdrop […]

In today’s world, many of us are looking for ways to make our money do more than just grow – we want it to reflect our values and contribute positively to the world around us. This is where ESG investing comes into play. It stands for Environmental, Social, and Governance, and it represents a powerful […]