“How will my account be invested?” At The Fiduciary Group, we believe a thoughtful response to this question begins with the creation and implementation of an Investment Policy Statement (IPS) for the client. The IPS serves as a framework for how the portfolio will be managed and takes into...
As U.S. life expectancies increase, our nation’s population is expected to skew increasingly older in the next several decades. A significant number of individuals who are actively working toward their own strategic goals may face challenges as their parents become elderly and require more costly...
Election season is upon us, and one of the most frequent questions our team gets asked is, “How will the 2024 presidential election results affect markets?” While we appreciate that elections are emotionally charged events, it is important to remember that an investment portfolio is a long-term...
Warren Buffet once wisely observed: “The most important quality for an investor is temperament, not intellect.” Buffet’s astute understanding of the subjective forces that define the investment process reveals a deeper grasp of the underlying psychology of investing and managing wealth. Investing...
Like most investors, we were pleasantly surprised by the resilience of the economy and performance of the markets in 2023. A year ago, 80% of macroeconomists were predicting a recession for 2023, and investor sentiment was decidedly bearish following the poor performance for stocks in 2022, their...
As the end of 2023 approaches, there is still time to make impactful decisions to position your savings strategy for success. Taking a few important steps in December can help to maximize your goals for 2023 and ensure that you’re entering the New Year ready to make the most of your financial plan.
As seen in The Savannah Morning News on 11/21/2023. American billionaire, investor and philanthropist Warren Buffet once observed: “If you’re in the luckiest one percent of humanity, you owe it to the rest of humanity to think about the other 99%.” If you’re fortunate to be in a position to donate...
In response to 11 Fed interest rate increases since March 2022, savers should reconsider the wisdom of “parking” cash in a traditional bank savings account and explore investment options that carry relatively low risk in today’s higher interest environment. The rise in interest rates offers...
Since the birth of our nation, risk has been a fundamental component of our free market system. As fiduciary advisors, helping our clients prudently manage risks is a key part of our responsibility. The process of evaluating and managing risk is not a simple task, however, and over time various...
One of the best gifts you can give your children or your grandchildren is to plan ahead to help reduce their student debt burden in college and beyond. Nearly 44 million Americans have student loans valued at more than $1.57 trillion, as of August 31, 2023, according to the New York Federal...