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Being behind on your retirement savings can create feelings of stress, anxiety, and worry. Even thinking about how to get back on track can feel overwhelming and confusing. But with retirement on the horizon, using the time you do have to your advantage can make a huge difference. Here’s what you can do now, and ... Read more
Many New Year’s resolutions get broken. And broken quickly. We’d like to share a simple strategy that can help you fix that – all while giving your finances in 2026 a kickstart. First, ever hear of “Quitter’s Day?” It’s the day that people start dropping their New Year’s fitness resolutions in big numbers. It falls ... Read more
401(k) plans are retirement accounts established by companies, offering substantial tax benefits and flexibility. These accounts provide a secure avenue for employees to save for their future, ensuring financial stability during retirement. For most workers, they are the backbone of their retirement strategy. Whether you are enrolling in a new plan, on your way to ... Read more
The end of the year is a time to make critical planning decisions for your taxes, investments, and savings. It’s also a time to reflect on the previous year and consider what may change in the year ahead. Now is the time to create a personalized and proactive strategy that dynamically evolves to meet your ... Read more
Mortgage rates have finally dipped below 7%, but will they keep falling in 2026? This analysis dives into the three key economic scenarios—from a steady economy to a full recession—that will determine the Federal Reserve's path on future rate cuts. We break down what it would take to see 5% mortgage rates, what could send them back to 7%, and what the new 50-year mortgage proposal could mean for homebuyers.
The Federal Reserve cut its target for interest rates by 0.25% at the October meeting. For a long time, Fed Chair Jerome Powell has told us the Fed’s decisions would be “data dependent.” However, with the government having been shut down for almost all of October, there is very little new data for the Fed ... Read more
At Facet, we believe managing your finances should be seamless and secure. For too long, the password has been a source of frustration—hard to remember, a hassle to manage, and a real security risk. This isn’t just an inconvenience; it’s a common weakness for most. We all do it— reuse the same password across multiple ... Read more
Stocks had another strong quarter in 3Q. The Morningstar Global Markets index rose 7.57% for the quarter, ending just below the all-time high set in September. Gains were powered by enthusiasm for Artificial Intelligence, hope for Fed rate cuts, and strong flows from individual investors. However, there are a number of risks that also became ... Read more
The Federal Reserve cut its target interest rate by 0.25% at the September 17 meeting. This has Wall Street wondering what comes next. Is this the start of a series of rate cuts? Or will lingering inflation problems make future cuts difficult? Here are our views on these questions and more. Weakening labor market convinced ... Read more
The world of private investing can be challenging. There are some good investment opportunities out there, but there are also a lot of overly optimistic claims, false promises, and even outright scams. We happened to uncover an alleged scam when a Facet member asked us if they should invest in a certain private investment opportunity. ... Read more
Does this sound familiar? It’s that time of year again. The mailbox starts filling up with envelopes marked “Important Tax Document Enclosed.” You start a frantic search for receipts, log into a dozen different accounts to download statements, and feel a growing sense of unease. All kinds of questions come up. Did you sell any ... Read more
There’s a lot for investors to worry about right now. I’m pretty worried that a recession could be on the horizon. Job growth has recently slowed rapidly, while consumer confidence remains low, and tariffs are just starting to have an effect. Meanwhile, the stock market is trading near all-time highs. I’ve got some concerns that ... Read more