Important News for Our Clients
September Insights


“Be fearful when others are greedy. Be greedy when others are fearful.”
― Warren Buffett
U.S. data appears to support a forecast of solid economic growth to come. Still, trade relations with China, falling interest rates and uncertainty surrounding the Federal Reserve’s next move all remain at the forefront of the media. Negative interest rates, meaning investors are essentially paying borrowers for loans, have also dominated headlines. With so many hot topics in the news, it is prudent to remember that these factors have already been priced into the market. With the right strategy in place, the best option is often to stay the course and avoid making emotional or impulsive decisions.
In our first article, we examine the Fed’s role—along with other key factors—in keeping inflation low for most people.
Our next piece looks at various data to question the notion that there is a retirement crisis, instead showing that most retirees are living well.
The third article dives into a topic we care greatly about—how to find a trustworthy and competent financial advisor amid changing regulation that frequently lacks the clarity investors need.
Lastly, we’re sharing an article with a handful of under-the-radar food and wine festivals that would be great to visit this autumn. Fall is a relatively inexpensive time to travel, so consider sneaking in another trip before winter!
If you would like to discuss the issues in the letter, want more information on the current state of the market or have any other questions, please reach out.
Articles of Interest

Since the global financial crisis of 2008 and 2009, inflation has been low. Discover the four forces keeping inflation low—including the Fed’s role in the matter—and learn which costs might be outpacing inflation.
Although many sources claim we are facing a retirement crisis, other data tell a much different story. In a 2018 study, “only 4% of current retirees said they were ‘finding it hard to get by.’” Also, private retirement plans may be making up for the shortcomings of Social Security.
Recent regulations from the SEC have made the waters much “muddier” for investors. Learn about the different types of advisors and how to tell whether a financial advisor is required to act as a fiduciary, plus get resources that help verify qualifications.
Autumn is a relatively inexpensive time to travel, so consider planning a visit to one of these wine and food festivals from around the country. You’ll avoid the crowds, indulge in local delicacies and meet the people behind the best pours.

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