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Articles

Matt Pontes | Nov 1, 2025

What Recent Inflation Signals Mean for Financial Planning

Finance
Savings
Investments
Retirement
Tax Planning
Credit
Risk Management

Inflation has been the boogeyman of the economy for months.

Sticky prices. Rising gas costs. A looming rate hike.

The latest report provided useful data for

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a close up of a typewriter with a paper that says social security by Markus Winkler courtesy of Unsplash.
Matt Pontes | Oct 27, 2025

Is the 2.8% Social Security Raise Enough for Retirees?

Social Security
Politics
Retirement Planning
2026 Social Security COLA: 2.8% sounds good until Medicare premiums take 38% of it. Average benefit rises just $56/month while healthcare costs surge 4-7%
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Matt Pontes | Oct 23, 2025

Rethinking Retirement: Why True Wealth Is More Than Money

Retirement
Lifestyle
Health
Family

You’ve mapped out your dream retirement. Maybe it’s a cozy beach town, golf twice a week, time with family, or finally starting that side project.

But here’s the

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gold and black metal tool by Jingming Pan courtesy of Unsplash.
Matt Pontes | Oct 22, 2025

Should You Buy Gold?

Market Commentary
Long-term investing
Gold
Gold surged 60% past $4,300/ounce amid "debasement trade" fears. But inflation stays under 3% and bonds signal calm. Learn why gold belongs in portfolios
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aerial view of boat on water by Venti Views courtesy of Unsplash.
Matt Pontes | Oct 16, 2025

Should You Sell After the China Trade Market Drop?

Market Commentary
Market Volatility
Investing
Markets dropped 2.7% on China rare earth tensions—worst day since April. Yet S&P 500 still up 31.5% from lows with 30+ new records this year. Learn why
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Matt Pontes | Oct 13, 2025

Should You Worry About Markets at Record Highs in Q4

Quarter Review
Market Commentary
Q3 delivered record highs with S&P 500 up 7.8% despite weak jobs data showing 911,000 fewer positions than reported. Shiller P/E at 38x near dot-com levels
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Matt Pontes | Oct 9, 2025

7 Milestones At Age 50 & Above

Retirement

Birthday celebrations at 50 and each year after can be meaningful opportunities to reflect and feel grateful for life’s journey. Some also mark important

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default blog image
Matt Pontes | Sep 25, 2025

How to Reprogram & Improve Your Money Mindset

Finance
Investments
Savings

What’s the first thing you think of when it comes to money?

Are your thoughts more positive or negative?

Whatever’s natural to you can speak to your money mindset

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blue bubble by Zdeněk Macháček courtesy of Unsplash.
Matt Pontes | Sep 23, 2025

Is the Stock Market in a Dangerous Bubble Right Now?

Market Commentary
Diversification
Long-term investing
Markets hit records with Shiller P/E at 38x vs 27x average. Are we in an AI bubble like dot-com 2000? Learn why current valuations differ and how smart
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a large building with columns and a flag on the corner by Joshua Woroniecki courtesy of Unsplash.
Matt Pontes | Sep 16, 2025

Are Dividend Stocks Still Worth It at 1.3% Yields?

Federal Reserve
Long-term investing
Diversification
S&P 500 dividend yield hits dot-com lows at 1.3% while 10-year Treasuries offer 4.1%. Despite low yields, dividends provided 31% of total returns since 1926
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Matt Pontes | Sep 11, 2025

Overlooked Retirement Expenses (And How to Plan for Them)

Retirement
Finance
Health
Tax Planning
Family
Real Estate

A comfortable retirement doesn’t come with a fixed price tag.

Expenses can change over time, and some of the most important ones are easy to overlook.

That’s one

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a person stacking coins on top of a table by Towfiqu barbhuiya courtesy of Unsplash.
Matt Pontes | Sep 2, 2025

Why Did Markets Hit New Highs Despite Fed Uncertainty?

Market Commentary
Investing
Monetary Policy
Markets reached record highs in August despite tariff disputes and Fed policy shifts. 81% of S&P 500 companies beat earnings expectations. Learn what strong
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