At least on the surface, the fourth quarter of 2024 seemed to echo many of the same capital market trends that had dominated the first three quarters of the year. However, a look under the surface reveals a less homogeneous story, particularly over the last few weeks of the quarter and year. The quarter witnessed […]
This month’s topic was inspired by a recent “ah-ha” moment I had while reviewing my phone service plan and that of my parents. What started as a simple check on their plan led me to dig into their other monthly expenses, like cable and wireless bills. As I uncovered several overlooked costs, I realized just […]
It’s official: you’re retired. No more late-night emails, long meetings, or hectic schedules. There’s less work-related stress, but your finances might be more complex. You’ll have bills to pay and fun hobbies to explore. Do you know how you’ll fund your new lifestyle? Since you aren’t receiving a regular paycheck, you’ll likely draw from various […]
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In many ways, the second quarter was a period of sea change. On the political front, the quarter witnessed fairly stunning election results across much of the globe, including a sharp shift to the political right in Germany, a dominating performance by both political extremes in France, an underwhelming victory by Modi in India, a […]
What’s on your schedule today? A Hike? Meeting up with friends? Spending time with your family? Working on all the books you bought but never read? Packing for your dream vacation? Retirement dreams often conjure images of endless leisure and financial freedom, but the reality hinges on strategic financial planning and forward-thinking. For most Americans […]
Of course, as a Financial Advisor, I believe that instilling positive financial habits in our children from a young age is crucial for their long-term financial well-being. In fact, I was recently asked by a friend & client for some resources to educate their children. First and foremost, lead by example and maintain an open […]
In recent years, there have been several instances where criminals managed to mimic the voice of a senior executive or a business person to make fraudulent transfer of funds, demonstrating the need to have multi-factor authentication to combat voice fraud, especially with high monetary or personal risks. AI can replicate speech patterns and tonality to […]
For the month of October, Per Stirling selected two volunteer initiatives, each of which are particularly important to us. The first initiative was Breast Cancer Awareness. This is a cause that we sponsor on a regular basis, as several members of the Per Stirling family have personally battled cancer, and most have beaten this insidious disease. […]
Social Security has many benefits available, including retirement, disability, survivor, and family benefits. If you or a family member paid a portion of career earnings into a trust fund by paying Social Security or self-employment taxes, these benefits may be available. The amount you receive depends on several factors, including your average lifetime earnings, date […]
Some of you are experiencing mixed emotions as your children have graduated high school and are about to leave for college. Yes, empty nest syndrome is a thing — although not a clinical diagnosis, it is a phenomenon. If this is your first high school graduate entering college, you will quickly learn there may be […]
