William F. Davis, CFP® 
There are many behavioral biases that impact our success as investors, and one of the more impactful ones is Action Bias. In this article, we’ll discuss what action bias is, and how it impacts investment decisions. Before we get started, please feel free to bookmark our other newsletters on investing and behavioral bias: 8 investor biases … Read more
Global markets entered the second quarter on unstable footing, as the U.S. announced new tariffs on April 2, sparking a sharp selloff and a notable spike in the VIX. This initial disruption, however, gave way to a broad recovery in equity markets as trade-related uncertainty receded and geopolitical tensions eased—most notably following a late-June ceasefire … Read more
Data are in… and May didn’t disappoint. The S&P 500 closed May up 6.2%, its best month since November 2023—and the strongest May showing since 1990. Cue the shoulder shrug from the Fed, but markets are clearly saying something. The big surprise last week? A stunning collapse in the trade deficit, pointing to a possible … Read more
Happy Cinco de Mayo! What a tumultuous month in the equity markets, marked by the biggest stock declines since the early days of the Covid pandemic, huge single-day surges and similar swings in other investments, such as U.S. Treasuries. Despite the violence of the daily shifts, the monthly changes in major indexes were muted, with … Read more
When the market pulls back, most people get understandably uncomfortable. Account values drop, the headlines get louder, and the knee-jerk reaction is often to sit tight or go into full defense mode. But if a Roth Conversion is already on your radar, a down market may be the opportunity you’ve been waiting for. Let’s break … Read more
We are going to start off with some perspective…. “I need to get out now and wait until the market comes back.” “I’ll wait until the market pulls back before I add more.” These are examples of investors who do not have an overall plan. When investors talk like this – and, worse yet, make … Read more
Welcome to your new life! Now may be the time for a fresh start. Maybe this means making that major purchase that you may have been held back from making – a shore house, a new convertible, a boat. Or taking that much-needed vacation with friends – you certainly are now “free” to roam about … Read more
Divorce is a financial gut punch—splitting assets, rewriting budgets, maybe even selling the house you swore you’d never leave. But here’s a twist you might not see coming: your ex’s Social Security could still have your back. Yep, even after the ink’s dry, there’s a chance to claim benefits based on their record. Don’t get … Read more
If you read or watch any sort of financial news, you’ve, no doubt, seen/heard prognosticators talk of the current valuation of the stock market – are we at the precipice of a market correction? To assess whether the stock market, specifically the S&P 500, is overvalued, we can look at its forward-looking price-to-earnings (P/E) ratio … Read more
When seeking help with your finances, you may be contemplating the merits of fee-only vs fee-based financial advisors. While there’s been much said on this topic, we feel other explanations fail to analyze past the obvious. There is an important aspect that is being overlooked by other discussions, which we’ll address in this article. Before you get … Read more
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