Many cities today face the challenge of increasing the availability of affordable housing. The common approach is to find ways to generate more new housing. That usually involves municipal or state subsidies or tax breaks for land and development. A recent analysis by Moody’s Analytics suggests there may be an additional way to address this…
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The S&P 500 is up over 14% so far this year. But job growth is slowing and Trump tariffs are starting to drive up prices in numerous sectors. Is the economy heading for a fall? Are we nearing a market peak? Is this a good time to sell stocks? Investors ask themselves these kinds of…
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It seems that federal government shutdowns are becoming more frequent. Perhaps it’s a consequence of the decline of the collaborative process in a nation that’s becoming increasingly polarized politically. Whatever the reason, investors undoubtedly would like to know how the current shutdown might affect their portfolios. I wish I had the answer. But we can…
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In 1994 Bill Bengen, an obscure financial planner in southern California, came up with a simple guideline his clients could use for determining a safe (minimum) withdrawal rate in retirement. Based on historical data, he calculated that an individual starting retirement should be able to spend up to 4% of their investment assets for a…
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If you’re a parent of a teenager in their sophomore or junior year in high school, you’ve probably discussed with them your hope that they will be going to college. While it’s true that jobs requiring a college degree do tend to pay more than those that don’t, not everyone has the wherewithal to become…
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The year 2021 might be remembered as the year of the incautious investor. Non-fungible tokens (NFT) and Special Purpose Acquisition Companies (SPAC) were all the rage, bitcoin ETFs were on the verge of breaking out, and everyone was buzzing about the unexpected price surges of GameStop and AMC Theaters, the two so-called meme stocks. In…
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Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
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For additional disclosures, please visit www.perigonwealth.com.
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