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Articles

pumpkin and bottles on table by Brad Switzer courtesy of Unsplash.
Matt Pontes | Nov 17, 2025

What Should Investors Be Grateful For This Year?

Market Commentary
Diversification
Long-term investing
S&P 500 up 15%, bonds delivering 7%, international markets outperforming—2025 has been strong. Bull market now in year 4 with inflation cooling and Fed cutting
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Matt Pontes | Nov 13, 2025

How to Talk to Your Aging Parents About Estate Planning (Without Making It Tense)

Estate Planning
Family
Health
Disability
Insurance
Risk Management

These conversations aren’t easy.

Bringing up long-term care or estate planning with aging parents can feel like stepping on a landmine—awkward, emotional, maybe

Read More
brown trees on brown field during daytime by Konstantin Dyadyun courtesy of Unsplash.
Matt Pontes | Nov 4, 2025

Can Markets Keep Winning Despite Government Shutdown?

Monthly Market Commentary
Investing
October delivered gains despite government shutdown and China tariff fears. S&P 500 up 37% from April low with 36 new records. Trump-Xi meeting cuts tariffs 10%
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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

Read More
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

Read More
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
Read More
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
Read More
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
Read More
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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

Read More
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

Read More
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
Read More

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