With everything happening in the world right now, it’s understandable to feel unsettled. The combination of uncertainty—economic, political, and global—can create a real sense of anxiety, stress, and even frustration. You may be wondering what all of this means for your family, your future, and the financial foundation you’ve worked so hard to build. It’s natural to have questions and even fear. You’re not alone in feeling this way. We want to assure you that we are here for you.

On January 5, 2025, a significant victory was achieved for millions of retired public servants across the nation with the signing of the Social Security Fairness Act. This landmark legislation repeals two long-standing provisions – the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) – that have reduced Social Security benefits for many dedicated individuals who served their communities.

The recent election results, culminating in a Republican sweep of the presidency, Senate, and House, have ushered in a new political era. This shift in power dynamics is likely to precipitate changes in fiscal, regulatory, and monetary policies, which could have profound implications for the U.S. economy. Here’s what investors should be watching.

Climate change is a hot topic these days (pun intended). To help do our part, IMPACTfolio® utilizes software from Aclymate to calculate our carbon footprint and purchase carbon offsets so we can stay carbon negative as a company. We recently purchased carbon offsets through Agoro Carbon.

Social Security is a cornerstone of retirement planning for many Americans. However, its long-term sustainability has been a topic of concern for years. With frequent news headlines discussing potential benefit cuts and tax increases, it's essential to understand the current state of Social Security and the factors influencing its future.

Presidential elections can feel like a reality TV show gone wrong. Between mudslinging campaigns, fiery debates, and the 24/7 news cycle, it's easy to get stressed about your investments. But let's take a deep breath and explore the truth about elections and the stock market. Spoiler alert: it's not as scary as it seems!