ChatGPT…should we all be worried or celebrating???

In November, OpenAI launched an intelligent language-generating model called ChatGPT that could answer almost any question coherently and in surprising detail.  It is estimated over 30% of working professionals have tried using ChatGPT at work. If you ask it the right...

Retiring in a down market? A new study says it pays to wait

“Retiring in a down market?  A few more years of work can make a HUGE difference.  Timing is everything when it comes to retirement.” Retiring in a bear market can harm your portfolio for the long-term, even if the market eventually recovers. According to a new study...

Recoveries are sneaky!

January came out with a BANG!  The stock market posted impressive returns with all major market indices posting positive results.  While we hope this trend continues, we do not think we are out of the woods yet… Equity Markets are booming….so far: S&P 500 = up...

Have you soured on the stock market yet??

It is easy to love the stock market when your account values go up month after month.  Conversely, it is alarming to see the monthly declines in your values. Ouch!  What should you do if you want to throw in the towel?  Here are some things to consider…   Is your...

What is the Debt Ceiling and why should you care?

Today we are targeted to approach the Debt Ceiling.  Think of the Debt Ceiling as hitting the maximum on your credit card limit.  For the Federal Government, that maximum is $31.4 trillion.  If the US Government goes above that maximum – it goes into default.  Just so...