The Proactive InstructorArticles

START THE NEW YEAR OFF RIGHT

January 7, 2022

START THE NEW YEAR OFF RIGHT At the end of every December, we celebrate and hope for a healthyand prosperous new year, but we never know what to expect. Thepast few years have provided excellent examples of loss, pain andeven prosperity.Since we can’t know the unknowable, it’s important to be prepared. Thisis a good time…

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INFLATION: AN UNFORTUNATE
SYMPTOM OF A GROWING
ECONOMY

December 22, 2021

INFLATION: AN UNFORTUNATESYMPTOM OF A GROWINGECONOMY Even though COVID-19 remains a part of our lives and will likely behere for quite some time, many Americans have learned to live withthe virus, and the economy has experienced a faster-than-expectedrecovery. While economists expect the U.S. to have setbacks whennew, more virulent variants of the coronavirus surface, we…

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THE NEW INFRASTRUCTURE
BILL PRESENTS OPPORTUNITIES
FOR INVESTORS

December 10, 2021

THE NEW INFRASTRUCTUREBILL PRESENTS OPPORTUNITIESFOR INVESTORS Congress recently passed the $1.2 trillion Infrastructure Investmentand Jobs Act, including the largest transportation spending packagein U.S. history.1The legislation authorizes funding for a wide rangeof infrastructure projects, include updating and building new utilitysystems, electrical grids, transportation and energy projects, andeven data infrastructure.

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WHAT IS SYSTEMATIC
FIXED-INCOME INVESTING?

November 12, 2021

WHAT IS SYSTEMATICFIXED-INCOME INVESTING? Given the current environment of stubborn inflation and a frustratedlabor market, the overall environment does not bode well for higherinterest rates for fixed-income investors. In September, the FederalReserve indicated that it wasn’t likely to raise the current 0.25%federal funds rate until 2022, and even then by only 25 basis points.

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SPOTLIGHT: TAXES AND YOUR
PORTFOLIO

October 29, 2021

SPOTLIGHT: TAXES AND YOURPORTFOLIO Tax-minimizing strategies are available to everyone, not just billionaires. There are many ways to help reduce your tax bill on investment gains and income — all perfectly legal. It’s a matter of investing in specific types of holdings in specific types of accounts for specific types of goals.

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WOMEN AND WORK: THE PATH FORWARD

October 18, 2021

WOMEN AND WORK: THE PATH FORWARD As U.S. employers desperately seek workers, millions of mothersremain on the sidelines due to health safety concerns, schoolquarantines and the fact that child care costs more than many ofthem earn. And while parents pay more than they can afford, childcare workers can’t live on what they’re paid.

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AGE-INDUCED DISABILITY:
FINANCIAL, RETIREMENT &
ESTATE PLANNING

October 1, 2021

AGE-INDUCED DISABILITY:FINANCIAL, RETIREMENT &ESTATE PLANNING The odds are strong that you’ll live long enough to need caregivingassistance. The U.S. Administration on Aging reports the followingstatistics for a 65-year-old couple:• 72% chance that one spouse will live to age 85• 45% chance that one spouse will live to age 90• 18% chance that one spouse will…

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WORKING TOWARD THE
NET-ZERO ECONOMY

September 17, 2021

WORKING TOWARD THENET-ZERO ECONOMY Scientists attribute extreme weather events all over the world to aglobal warming trend. Since the late 19th century, the average globaltemperature has increased by 2 degrees Fahrenheit (1.1 degrees Celsius).1To reverse this phenomenon, scientists say we must reduceand maintain the average global temperature increase to 2.7 degreesFahrenheit (1.5 degrees Celsius) above…

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CRYPTOCURRENCIES: A PRIMER

September 3, 2021

CRYPTOCURRENCIES: A PRIMER On March 12, the price of Bitcoin cryptocurrency reached over$61,000, posting what amounts to a 300% annualized returnover the past 10 years.1The reality of this complex and largelymisunderstood asset is that its value is consistently growing overtime. In fact, by mid-August 2021, the combined market value ofBitcoin and other cryptocurrencies totaled more…

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ARE YOU SURE YOUR ASSETS
ARE DIVERSIFIED?

August 20, 2021

ARE YOU SURE YOUR ASSETSARE DIVERSIFIED? The theory of diversification is that by spreading out investedassets among a wide variety of holdings, an investor can helpreduce the chances of losing money when some of thoseinvestments drop in value. Not only can diversifying help managerisk, but it offers the opportunity for growth even when otherportions of…

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