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A year-end financial checklist: 2025 complete guide.
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
Will mortgage rates keep falling in 2026? A forecast & analysis
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.
Flying blind: the Fed cuts rates at the October 2025 meeting
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
Q3 2025 Performance Review: Navigating a market torn between AI boom and recession risk
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
Fed cuts rates to battle recession risk, looking past inflation spike.
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
How to spot a private investment scam: A real-life due diligence guide.
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
Are you leaving money on the table? Why financial planning and taxes should be managed as one.
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
Worried about a recession and an AI bubble? Why you shouldn't sell your stocks.
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
The next Fed Chair: How Trump's pick could impact your investments in 2026.
We appear to be getting closer to President Donald Trump making a decision on who he will nominate to be the next Chair of the Federal Reserve. Current Chair Jerome Powell’s term ends in May of 2026, but Trump has said he wants to nominate a replacement “soon.” Recent reporting suggests the search is down ... Read more