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Articles

shallow focus photograph of black and gray compass by AbsolutVision courtesy of Unsplash.
Matt Pontes | Mar 16, 2026

Should You Sell During a 5% Market Pullback?

Market Commentary
Market Volatility
Investing
Oil above $100, S&P 500 down 5% from highs, bond yields at 4.2%. Pullbacks are normal—2025 had six 5%+ drops yet returned 18%. Diversified portfolios smooth
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Matt Pontes | Mar 12, 2026

A More Flexible Way to Think About Retirement

Retirement
Finance
Lifestyle
Risk Management

Many retirement plans are built on a quiet assumption: that spending stays roughly the same from year one to year thirty.

It sounds reasonable. But research

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six fighter jets by UX Gun courtesy of Unsplash.
Matt Pontes | Mar 2, 2026

How does war with Iran affect my investments?

Market Volatility
Long-term investing
Current Events
US-Israel strikes on Iran ("Operation Epic Fury") target leadership and nuclear sites. Iran's Supreme Leader killed, retaliation ongoing. Oil prices rising
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Matt Pontes | Feb 26, 2026

Practical Tips: How to Avoid These 4 Estate Planning Missteps

Finance
Lifestyle
Estate Planning

First, let’s start by uncovering the most common mistake in estate planning…

Surprisingly, this frequently made mistake might already be on your doorstep. A

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A close up of scrabble tiles spelling the word china by Markus Winkler courtesy of Unsplash.
Matt Pontes | Feb 24, 2026

Will Supreme Court Tariff Ruling Get You a Refund?

Tariffs
Market Volatility
Market Update
Supreme Court struck down $130B+ in tariffs as unconstitutional. Trump replaced with Section 122 (15%, 150 days). Refunds uncertain, could take years. But
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Matt Pontes | Feb 12, 2026

Tax Planning vs. Tax Preparation: They're Not the Same Thing

Tax Planning
Finance
Retirement
Investments

Many people think about taxes once a year — when April rolls around and it's time to file.

By then, the year is already in the rearview mirror. The decisions

Read More
a sign with a question mark and a question mark drawn on it by Nahrizul Kadri courtesy of Unsplash.
Matt Pontes | Feb 11, 2026

Will AI Replace Software Companies and Your Job?

Market Commentary
AI
Economy
Anthropic AI tool crashed software stocks $285B. Job openings hit 6.5M (lowest since 2020). Bitcoin fell 50%. But history shows tech disruption creates winners
Read More
gold and black metal tool by Jingming Pan courtesy of Unsplash.
Matt Pontes | Feb 2, 2026

Why Did Gold Crash After Hitting $5,400 in January?

Monthly Market Commentary
Gold
Federal Reserve
Gold hit $5,417 then crashed 10% in one day. Silver plunged 30%. Kevin Warsh Fed nomination ended "debasement trade." But S&P 500 hit 7,000 on strong earnings
Read More
Matt Pontes | Feb 1, 2026

Tax Planning vs. Tax Preparation: They're Not the Same Thing

Tax Planning
Retirement
Finance

Many people think about taxes once a year — when April rolls around and it's time to file.

By then, the year is already in the rearview mirror. The decisions

Read More
white ceramic mug with coffee on top of a planner by Estée Janssens courtesy of Unsplash.
Matt Pontes | Jan 24, 2026

How Will 2026 Tax Changes Affect Your Retirement Savings?

Financial Planning
Investing
Taxes
SALT deduction jumps to $40,400. High earners must use Roth for catch-ups. Seniors get $6K bonus deduction. One Big Beautiful Bill reshapes 2026 taxes—learn how
Read More
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Matt Pontes | Jan 22, 2026

A Guide to Pensions & Retirement Benefits

Retirement
Investments
Tax Planning

How much do you really know about retirement benefits?

If you’re like most Americans, it’s not that much. In fact, most of us have fairly poor “retirement

Read More
Matt Pontes | Jan 8, 2026

5 Financial Crossroads That Could Reshape Your Future

Finance
Retirement
Family
Tax Planning
Risk Management

You know how life tends to throw in a few plot twists?

They don't ask if you're ready. They just show up—with potential financial consequences tagging along.

A

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