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Our Latest Thoughts!

Some ideas on money, life, and the successful planning of both to find true happiness.

 

Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

 

Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

 

Tuesday, November 20, 2018

Thanksgiving is a true American holiday. It celebrates generosity and gratitude, and it recognizes the relationships that helped colonists who arrived on the Mayflower in 1620 survive beyond their first winter. History.com explained:1...

 

Thursday, November 8, 2018

There are more than 20 million veterans living across the United States. These men and women fought in World War II, the Korean War, the Vietnam War, the Gulf War, the Iraq War, the War in Afghanistan, which continues today, and many...

 

Tuesday, October 30, 2018

It’s a pricey question.It’s a pricey question.College Board estimated the average cost for full-time, in-state students who live on campus at four-year public colleges or universities during the 2017-18 school year is $25,290...

 

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Monday, October 29, 2018

If trick-or-treating in your neighborhood requires a trick to get a treat, your little ghosts and goblins will need some short and easy-to-remember options. Here are a few that were recommended by Reader’s Digest:1• What has hundreds...

 

Wednesday, October 10, 2018

Remember the television classic, Green Acres? Eddie Albert, who portrayed a New York City lawyer, and Eva Gabor, who portrayed his sophisticated spouse, move from the big city to the country – and it’s not quite what they expected...

 

Monday, October 1, 2018

Here’s a number that will knock your socks off: $400 trillion.1By 2050, the retirement savings shortfall in eight of the world’s largest economies is expected to reach $400 trillion, according to estimates from the World Economic Forum...

 

Thursday, August 30, 2018

Labor Day is set aside to celebrate the social and economic achievements of American workers. It was proposed as a holiday by Matthew Maguire in 1882 while he served as secretary of the Central Labor Union in New York, NY. The labor...

 

Wednesday, August 29, 2018

How long will you live? How long will you live? It’s not a question anyone can answer with any certainty, and that creates a significant risk when planning for retirement. Your retirement may last for a long time, and you will need to...

 

Thursday, August 2, 2018

In recent years, investors have largely ignored geopolitical risks. Russia’s invasion of the Crimean Peninsula, the Brits’ vote to leave the European Union (EU), unrest in the Middle East, and other global events have not affected...

 

Thursday, July 5, 2018

In the olden days, the word ‘subscription’ typically was applied to just magazines and newspapers. Today, that’s not the case. Americans are buying everything from meal kits to baby products to vitamins by subscription. A McKinsey &...

 

Monday, July 2, 2018

On July 4, 1776, the American colonies banded together and declared independence from Great Britain. The countries had been at war for more than a year due to a number of issues, particularly in regards to harsh taxation and a lack of...

 

Monday, July 2, 2018

The Markets Before we talk markets, The Gardner Group hopes everyone has a safe and wonderful 4th of July Weekend. There’s a bear in China – and it’s not a panda. The Shanghai Stock Exchange (SSE) Composite Index,...

 

Thursday, June 28, 2018

To the relief of many South Africans, Day Zero has been pushed back to 2019. Day Zero is the date on which Cape Town will run out of water, and its four million residents will begin to collect daily water rations of about seven gallons...

 

Monday, June 25, 2018

The Markets What time is it? The yield curve may be the pocket watch of economic indicators. It’s been around for a long time and it’s often right, but not always. The yield curve is the difference between the interest paid...

 

Monday, June 18, 2018

The Markets Deal or no deal? Last week opened with heightened trade tensions between the United States and its allies. It closed with the United States imposing new tariffs on $50 billion of Chinese goods. The Chinese declared it was...

 

Thursday, June 14, 2018

There are many perceived requirements of being a dad. “One of the jobs of a good dad is to help kids become a little tougher, a little more resilient, a little more separate…dads push kids to leave the nest; they brush off the dirt...

 

Monday, June 11, 2018

The Markets G whiz! Never before could the Group of 7 (G7) Summit have been mistaken for reality TV. The generally dignified annual meeting of leaders from the United States, Canada, France, Germany, Italy, Japan, and the United...

 

Wednesday, June 6, 2018

The words ‘bear market’ have been bandied about a lot lately. When you read or hear them, remember to respond the same way you would if you saw an actual bear in the woods – by staying calm and keeping your wits about you. A changing...

 

Monday, June 4, 2018

The Markets If the countries were instruments, last week sounded like a fifth grade garage band. World markets were buffeted by a clamor of good, bad, and unexpected news last week. Events that captured media and investor attention...

 

Tuesday, May 29, 2018

The Markets The Gardner Group hopes everyone had a safe and wonderful Memorial Day Weekend. As this country celebrated our special holiday, geopolitical uncertainty didn’t dent U.S. stocks last week. Geopolitics is the...

 

Thursday, May 24, 2018

If you’ve ever composed a grocery list in your head while driving carpool and listening to your children discuss who got in trouble at school and why, then you know what it’s like to have your attention divided. If you’ve ever worked...

 

Monday, May 21, 2018

The MarketsToo much? Too little? Or just right? U.S. stock markets were relatively calm, although they finished the week lower. U.S. Treasury yields hit a 7-year high and finished the week above 3 percent. While these were notable, the...

 

Monday, May 14, 2018

The Markets Splash! How do employers lure staff in a tightening labor market? The curly tail grubs and spinnies of the business world are higher wages and better benefits. During the past decade, the employment picture in the United...

 

Thursday, May 10, 2018

Mother’s Day is almost here! We all have moms and, whether they gave birth to us or not, they have helped us become the people we are today. Here are 10 reasons moms are so important, adapted from Psychology Today:11. She gave birth to...

 

Monday, May 7, 2018

May 7, 2018The MarketsWhat in the world?A lot happened last week. Some of the notable events included: • Trade talks between the United States and China. The talks were described as “frank, efficient, and constructive...

 

Monday, April 30, 2018

The Markets A meeting of the minds. The Federal Reserve and the U.S. bond market appear to be in agreement about the direction of interest rates. For more years than anyone cares to count, investment professionals have been predicting...

 

Monday, April 23, 2018

The MarketsThe world is in debt. The April 2018 International Monetary Fund (IMF) Fiscal Monitor reported global debt has reached a historically high level. In 2016, debt peaked at 225 percent of global gross domestic product (GDP)...

 

Monday, April 16, 2018

The MarketsWhat do you think?• Are you bullish, bearish, or neutral about the U.S. stock market? • Are U.S. stocks undervalued, overvalued, or fairly valued?• What is the biggest threat the U.S. stock market faces this...

 

Monday, April 9, 2018

April 9, 2018 The Markets You could almost hear the spurs jingling. Trade tensions ratcheted higher last week as the United States and China staked new positions on the not-so-dusty main street of trade. It was the latest round of...

 

Thursday, April 5, 2018

Technology is a life changer. GPS has improved interpersonal relations by eliminating arguments about asking for directions. Apps for car services, food delivery, video streaming, news media, and social media have changed the way we...

 

Monday, April 2, 2018

The MarketsWe are down to the final two weeks until taxes are due (well, least your extension). Please let us know if you need any additional forms, advice, or aspirin. In regards to the markets, it came in like a lion…Investors...

 

Wednesday, March 28, 2018

“There’s no place like home.”1Conjuring an image of ‘home’ was a lot easier for Dorothy than it is for people who are on the cusp of retirement. After all, isn’t retirement supposed to be a new start? Aren’t retirees supposed to wave...

 

Monday, March 26, 2018

The MarketsBy now everyone should have their first round of information to your CPA's. We have sent you our tax documents, but if you have any further tax questions, please let us know. Because last week presented us with a few other...

 

Monday, March 19, 2018

The MarketsIt’s a good time for a gut check. Last week, after sliding lower for four days, the Standard & Poor’s 500 Index recouped some of its losses on Friday. The reasons behind the week’s poor showing were diverse...

 

Wednesday, March 14, 2018

It’s almost time to don green and gold. That’s right, March 17 is upon us. There’s more to the holiday, however, than eating corned beef and cabbage and celebrating the Irish. For instance, St. Patrick is the patron saint of Ireland,...

 

Monday, March 12, 2018

The MarketsIt’s a bird…It’s a plane…It’s a labor shortage!There is little doubt the Millennial generation has been reshaping our world. One of the most remarkable aspects of this demographic group is a...

 

Monday, March 5, 2018

The MarketsAs Yogi Berra once said: It’s déjà vu all over again.Last week, global stock markets took a bit of a dip after President Trump announced a 25 percent tariff on steel and a 10 percent tariff on aluminum....

 

Tuesday, February 27, 2018

Here’s a number most people would like to see on an annual statement: 21.6 percent. That was the annual return for the Standard & Poor (S&P) 500 Index during 2017. In general, U.S. stock indices did quite well last year – and the year...

 

Monday, February 26, 2018

The MarketsU.S. Treasuries are offering a lesson in supply and demand.Last week, the U.S. Treasury auctioned $258 billion in bonds. Treasury auctions are the way the United States government finances its debt. The Treasury sells short-...

 

Tuesday, February 20, 2018

The MarketsAs New York Fashion Week ended, inflation strutted its stuff. Ever since the Federal Reserve began raising the Fed funds rate in 2015, analysts have been anticipating higher inflation. The fact that price increases remained...

 

Monday, February 12, 2018

If you’re looking for a gift that will express your love better than chocolates or a bouquet of flowers, don’t fret. Trendhunter.com has some innovative and unconventional suggestions:• Literary love tattoos. Perhaps, you’d like Rainer...

 

Monday, February 12, 2018

The Markets Back to reality... After months of eerie calm, stock market volatility has returned. The CBOE Volatility Index (VIX) – a measure of how turbulent investors expect stock markets to be during the next 30 days –...

 

Monday, February 5, 2018

The MarketsIt was not a good week for stocks (and this was written around noon today).Last week, stock markets around the world lost value. In the United States, the Standard & Poor’s 500 Index (S&P 500), Dow Jones Industrial...

 

Tuesday, January 30, 2018

Here’s a riddle for you: Some people are reluctant to start me, unless I’m automatic. I’m frequently exhausted when I don’t roll over. I’m sometimes left behind. Retirees devour me. What am I? Answer: A retirement savings plan.New jobs...

 

Monday, January 29, 2018

The Markets The numbers are coming in. Publicly-traded companies report their earnings and sales numbers for the previous quarter in the current quarter. For example, fourth quarter’s sales and earnings are reported during the...

 

Monday, January 22, 2018

The MarketsLast week, the United States government might as well have hung a sign on the front door of the Capitol that read, “Gone negotiating. We’ll be back in…however long it takes.”In 2013, the U.S....

 

Tuesday, January 16, 2018

The Markets Inflation, inflation, where’s the inflation? The U.S. Federal Reserve has been raising interest rates in anticipation of higher inflation. In its 2018 forecast, Goldman Sachs indicated it expected to see “a...

 

Tuesday, January 16, 2018

The Markets Inflation, inflation, where’s the inflation? The U.S. Federal Reserve has been raising interest rates in anticipation of higher inflation. In its 2018 forecast, Goldman Sachs indicated it expected to see “a...

 

Thursday, January 11, 2018

Most Americans know Martin Luther King, Jr. was a Baptist minister and the leader of the Civil Rights Movement in the United States until he was assassinated in 1968. Test your knowledge with this quiz about Dr. King.1. Before...

 

Monday, January 8, 2018

The MarketsWhoosh! Bang! Flash! Fizz! Whistle!U.S. stock markets delivered their own version of fireworks to celebrate the New Year. During the first week of 2018, the Dow Jones Industrial Average hit a new all-time high, moving above...

 

Wednesday, January 3, 2018

Fifteen years ago, a Health Services Research report described the challenges ahead for the United States as the Baby Boom generation aged into retirement. Four issues were paramount: 1) improving payment and insurance systems for...

 

Tuesday, January 2, 2018

The MarketsThe Gardner Group would like to wish everyone a Happy New Years! Before we start looking at 2018, how good was your 2017?It was so good, the Standard & Poor’s (S&P) 500 Index finished in positive territory every month...

 

Thursday, December 28, 2017

The last bear market in bonds began in the middle of the last century and lasted for about 31 years. Some investors who bought bonds in 1950 locked in relatively low rates of return for a very long time. On January 1, 1950, 10-year U.S...

 

Thursday, December 28, 2017

New years bring new adventures, and 2018 is no different. To paraphrase Ed Sullivan: 2018 could be a really big year. Here are a few of the events we can look forward to:• Men’s World Cup in Russia. CBS’s power rankings put Brazil at...

 

Wednesday, December 20, 2017

“The holidays are often seen as a time of joy: ruddy cheeks, festive parties, and twinkling laughter, all wrapped in a warm, tinsel-framed glow. It’s the most wonderful time of the year! It may be the ‘season to be jolly,’ but not...

 

Monday, December 18, 2017

The Markets Here we come a tax-reforming… The reconciliation of Congressional tax reform bills proceeded apace last week, and Congress is expected to vote on the measure early this week. If tax reform passes, Dubravko...

 

Monday, December 11, 2017

The Markets “It's the hap- happiest season of all.”While holidays don’t make everyone happy, investors should be feeling festive. The Standard & Poor’s 500 Index is up more than 18 percent year-to-date. The Dow...

 

Monday, December 4, 2017

The Markets What will it take to shake investors’ confidence?From the perspective of unsettling events, last week was jam-packed. North Korea claimed to have the capability to strike the United States with a nuclear missile, tax...

 

Wednesday, November 29, 2017

There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for retirement. There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for...

 

Monday, November 27, 2017

The Markets The Gardner Group hopes everyone had a wonderful Thanksgiving holiday with family and friends, because in regards to the markets, there was a lot to be thankful for last week. Stock markets around the world may have ripened...

 

Monday, November 20, 2017

The Markets The Gardner Group wishes all our clients and friends a Happy Thanksgiving week. May your financial plan be as bountiful as your Thursday meal! But are you and your fellow investors more like tigers or African wild dogs? It...

 

Sunday, November 19, 2017

Thanksgiving is the mother of all family dinners. It’s a celebration of our great nation and the many blessings that occur when people unite together in the spirit of communication. As you’re gathered around the table this year, here’s...

 

Monday, November 13, 2017

The MarketsSelling it overseas.Most of the companies in the Standard & Poor’s 500 (S&P 500) Index have reported third quarter earnings per share (EPS), which is the profit earned per share of stock outstanding during the period....

 

Wednesday, November 8, 2017

All too often, we assume the men and women who fought for our country can take care of themselves. Unfortunately, that isn’t always the case. There are some important ways ordinary Americans can help those who are returning from battle...

 

Monday, November 6, 2017

The Markets “Taxes are what we pay for a civilized society.”U.S. Supreme Court Justice Oliver Wendell Holmes’s statement is engraved on the front of the Internal Revenue Service building in Washington, D.C. Some...

 

Monday, October 30, 2017

Retirement and Social Security are inextricably linked. Not only did Social Security help establish the official U.S. retirement age at 65, it also provides a significant portion of today’s retirees’ incomes. Retirement and Social...

 

Monday, October 30, 2017

The MarketsThe last full week of October was a box full of surprises. First, U.S. economic growth exceeded expectations. The devastation wrought by Hurricanes Harvey, Irma, and Maria was widely expected to stifle U.S. quarterly growth,...

 

Friday, October 27, 2017

Halloween is almost upon us! Whether you’re wearing a costume, decorating your yard/house, or handing out treats, you won’t be alone. More than 179 million Americans are expected to participate in 2017’s Halloween festivities – and...

 

Monday, October 23, 2017

The MarketsAnd the hits just keep on coming. Last week was the anniversary of Black Monday. On October 19, 1987, the Dow Jones Industrial Average (Dow) lost 508 points, or more than 20 percent of its value, as it fell from the previous...

 

Monday, October 16, 2017

The Markets There’s a new kid in town: narrative economics. Last week, Richard Thaler was awarded the Nobel Prize in economics. His work in behavioral economics and finance recognizes not all economic and financial decisions are...

 

Monday, October 9, 2017

The Markets Slow and steady... It has been 332 days since the Standard & Poor’s 500 (S&P 500) Index experienced a 5 percent drop, reported Barron’s. If there isn’t a selloff on Monday or Tuesday, this will become the...

 

Wednesday, October 4, 2017

Smartphones are incredibly handy. That may be why about three of every four Americans own them.1 On average, smartphone users spend almost three hours a day – 86 hours every month – using their phones. They send texts and email,...

 

Monday, October 2, 2017

The Markets We have accounted for our friends and clients in Las Vegas. We hope none of you are directly affected with the loss of loved ones. As we wrap up another quarter, a lot happened during the third quarter of 2017....but not...

 

Thursday, September 28, 2017

How times change! In 1940, half of Americans finished their education in eighth grade. College degrees were relatively rare. Just 6 percent of men and 4 percent of women had one.1During the past 80 years, college has become far more...

 

Monday, September 25, 2017

The Markets Geopolitics, what is it good for? Absolutely nothin'! In January, Robert Kahn of the Council on Foreign Relations wrote in Global Economics Monthly: “Markets showed impressive resilience in the face of a range of...

 

Monday, September 18, 2017

The Markets “In theory, there is no difference between theory and practice, in practice there is.” Yogi Berra was talking about baseball, but the concept also applies to diversification, according to the GMO White Paper,...

 

Monday, September 11, 2017

The Markets Last week, the aftermath of Hurricane Harvey and potency of Hurricane Irma dominated hearts and minds, but there were some diversions and some welcome news, too. The NFL kicked off its 2017 season with the Chiefs’ win...

 

Tuesday, September 5, 2017

The Markets Summer is officially over, and The Gardner Group hopes everyone had a safe and wonderful Labor Day Weekend. In particular, we continue to pray and support our clients and friends south of us as they continue to clean up...

 

Thursday, August 31, 2017

Labor Day is about a lot more than the end of summer and the start of a new school year. The holiday, which celebrates American workers, became a federal holiday in 1894 and was created to recognize the contributions and achievements...

 

Wednesday, August 30, 2017

In a 2002 interview with Mike Wallace, former First Lady Nancy Reagan said she often reread the love letters written by her husband, former President Ronald Reagan. The letters, which had sustained and enriched their relationship,...

 

Monday, August 28, 2017

The Markets Before we get started, we first need to send our collective prayers and well-wishes to our friends and clients along the Texas coastline. Stay safe, fight on and you're in our thoughts. Optimism about possible pro-growth...

 

Monday, August 21, 2017

Here, there, and everywhere… Markets around the world appear to be benefitting from global economic recovery. After pointing out the United States’ economy is the heart of the global financial system, Barron’s...

 

Monday, August 14, 2017

North Korea may be a little country, but it can churn up big trouble. The possibility that verbal hostilities between the United States and North Korea could trigger geopolitical conflict had investors on the run last week. In the...

 

Monday, July 31, 2017

The Markets There was some good news and some bad news last week. First, the good news: Thanks to consumer spending and an upturn in federal government spending, the U.S. economy grew faster from April through June this year. Gross...

 

Friday, July 28, 2017

While some may be concerned about the iconic American meat that arrives in a rectangular 12-ounce tin (and is inexplicably popular in certain island states and American territories), more should be wary of its namesake – the spam that...

 

Monday, July 24, 2017

The Markets Do we have central banks to thank? Low interest rates, accommodative monetary policy, and improving economic growth have helped stock markets around the world reach record highs, reports Barron’s: “…a...

 

Monday, July 17, 2017

The Markets It was a good week for a lot of stocks but not bank stocks. The Standard & Poor’s 500 (S&P 500) Index and the Dow Jones Industrial Average (DJIA) both finished at record highs last week. Barron’s indicated...

 

Wednesday, July 12, 2017

The idea of Artificial Intelligence (AI) may bring to mind movies like Terminator, Wall-E, and Transcendence, but the reality of AI is expected to help people find answers to some significant issues. For example, a PwC survey found:1 •...

 

Monday, July 10, 2017

The Markets The Gardner Group hopes everyone had a wonderful 4th of July and summer is going great! As we balance vacations, pool time, and baseball games, there still some things you may want to know… Last Friday, Financial...

 

Friday, June 30, 2017

On July 4, 1776, the American colonies claimed independence from Britain. This declaration eventually led to the formation of the United States. As we celebrate the birth of our great nation, test your knowledge with this brief quiz.1...

 

Thursday, June 29, 2017

The bull market in U.S. stocks has been charging ahead for more than eight years.1 While that’s young in people years, it’s ancient in bull market terms. Since World War II, the longest bull market in U.S. stocks lasted for almost...

 

Monday, June 19, 2017

The Markets All eyes on inflation! Inflation is the way economists measure changes in the prices of goods and services. The United States has enjoyed relatively low inflation for a significant period of time. Last week, the consumer...

 

Thursday, June 15, 2017

You’re probably familiar with ‘20 Questions.’ It’s a classic long-distance-car-trip game that encourages creativity and deductive reasoning. On this Father’s Day, try playing a version that can help you learn a lot more about your...

 

Monday, June 12, 2017

The Markets Stock market historians may dub 2017 the Xanax year. Traditional historians will probably choose a different moniker. Stock markets in many advanced economies have been unusually calm during 2017, reported Schwab’s...

 

Monday, June 5, 2017

The Markets The bull market in U.S. stocks is getting really old! In fact, this bull has been charging, standing, or sitting for more than eight years. In April, it became the second longest bull market in American history, according...

 

Tuesday, May 30, 2017

The Markets Is preparing for the future more important than enjoying the present? There is a lot to enjoy today. Last week, Financial Times wrote: “Wall Street ended an impressive week on a steady note – eking out a tiny...

 

Tuesday, May 30, 2017

Wouldn’t it be something if you could plump up your retirement savings as easily as you can put on a few pounds eating fast food? Here’s one way to do it: Open a health savings account (HSA). It offers a triple tax advantage and you...

 

Thursday, May 25, 2017

Memorial Day is a day of remembrance for those who have given their lives in the service of our country. See what you know about Memorial Day by answering a few questions from an AARP quiz.1 1. Memorial Day was created to honor...

 

Monday, May 22, 2017

The Markets How much is too much? There has been no shortage of drama since the new administration took office – legislative setbacks, controversial hiring and firing, and fiery tweets on various topics. Regardless, U.S....

 

Monday, May 15, 2017

The Markets Does performance tell the whole story? American stock markets have delivered some exceptional performance in recent years. Just look at the Standard & Poor’s 500 (S&P 500) Index. Barron’s reported the S&P 500,...

 

Thursday, May 11, 2017

Changing diapers, arranging play dates, driving car pools, calming squabbling siblings, attending musicals and sporting events, chaperoning proms, coaching teams, helping with college applications…moms have a lot of responsibilities....

 

Monday, May 8, 2017

The Markets Is it complacency? Exuberance? Uncertainty? Exhaustion? Insight? Intuition? Last week, all three major U.S. stock markets gained value and two reached new record highs. On the face of it, that’s great news for stock...

 

Monday, May 1, 2017

The Markets It was a good week to own stocks. Not all financial news was good news last week, but that didn’t prevent U.S. stock markets from moving higher. Barron’s reported on the good news: “This past week, welcome...

 

Thursday, April 27, 2017

We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at older ages. The bad news is...

 

Monday, April 24, 2017

The Markets Last week, investors multi-tasked, pushing both U.S. bond and stock markets higher. In March, the Federal Reserve raised the Fed funds rates for the second time in three months. Typically, we would expect interest rates to...

 

Monday, April 17, 2017

The Markets And the survey said... In late 2016, Natixis Global surveyed 500 institutional decision makers representing corporate pension plans, public pension plans, sovereign wealth funds, insurance companies, foundations, and...

 

Monday, April 10, 2017

The Markets U.S. stock markets are sending mixed signals. If you look at the performance of the CBOE Volatility Index (a.k.a. the VIX or fear gauge), which is a measure of market expectations for volatility in the near future, it...

 

Monday, April 3, 2017

Some people may name a medical device or implant, such as a hearing aid, an artificial joint, or a pacemaker. Others may say they couldn't live without their electric bikes, GPS devices, tablets, or food processors. A surprisingly...

 

Monday, April 3, 2017

The Markets Happy birthday! Toward the end of the first quarter, the bull market celebrated its eighth birthday. David Kelly, Chief Global Strategist at J.P. Morgan Asset Management wrote: “Eight years ago, on March 9, 2009, the...

 

Thursday, March 30, 2017

It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an...

 

Monday, March 27, 2017

The Markets You’ve read it before – and it’s true. Markets hate uncertainty. Failure to pass the American Healthcare Act, which was supported by Republican leaders in Congress and President Trump, may have spooked U.S...

 

Monday, March 20, 2017

The Markets The Gardner Group hopes that all the families that participated in Spring Break '17 got home safe and sound, and came back with some rest. While away, the markets did not take a break nor rest. In fact, it was more like...

 

Wednesday, March 15, 2017

It has been said everyone in America is Irish on St. Patrick’s Day. Whether you have Irish ancestry or merely enjoy a good celebration, test your knowledge of the old country by taking this quiz. 1. What is Gaeltacht?1a. A region of...

 

Monday, March 13, 2017

The Markets Rate hike ahead…maybe. Last week’s U.S. employment report was better than expected. The United States added 235,000 jobs in February, which was a few more than economists had forecast. It may seem...

 

Monday, March 6, 2017

The Markets For those of you with taxable accounts, you should have received the first round of tax reports from us by now. Please review, and possibly forward to your CPA. Let us know if you need any other supporting reports, or sent...

 

Monday, February 27, 2017

More than one-half of working Americans know little or nothing about Medicare costs.1 Not knowing can be expensive. On average, people who haven’t yet retired estimate they’ll spend approximately $50,000 on health care after retirement...

 

Monday, February 27, 2017

The Markets Once upon a time, five blind men discovered an elephant. Each man examined a different part of the elephant and formed a unique impression about the animal. One believed an elephant was like a pillar, while another decided...

 

Monday, February 13, 2017

The Markets What’s the word ‘phenomenal’ worth? It all depends on who says it. Barron’s shared Wilshire Associates’ calculations which indicated the word was worth about $175 billion – the amount...

 

Friday, February 10, 2017

The celebration of Valentine’s Day is attributed to Geoffrey Chaucer who wrote a poem about love and St. Valentine in the 1300s. Although this poem did not mention chocolate, the tasty treats have since become a Valentine’s Day...

 

Monday, February 6, 2017

The Markets U.S. stock markets were unsettled last week. President Trump's executive order banning travel from seven predominantly Muslim countries to the United States for 90 days, in tandem with some disappointing earnings reports,...

 

Monday, January 30, 2017

How many times did you login to a digital account today? It probably was more than once. Some people access digital sites via computer or tablet, but many others rely on their phones. Deloitte recently reported the essentials of life...

 

Monday, January 30, 2017

The Markets An historic moment for U.S. stock markets… The Dow Jones Industrial Average surpassed 20,000 last week. Barron’s cautioned investors not to make too much of the milestone since, “There are only 30 stocks...

 

Monday, January 23, 2017

The Markets Markets weren’t quite sure which direction to move last week. The Trump rally, which lost some steam, gained momentum early in the week. The Standard & Poor’s 500 Index finished January 19, the day before the...

 

Tuesday, January 17, 2017

The Markets Around the world in a few paragraphs… The post-election adrenaline rush may be over in the United States. Barron’s reported: “The new year began with high hopes, with the bulls expecting the rally that...

 

Thursday, January 12, 2017

In 1964, Dr. Martin Luther King, Jr. received the Nobel Peace Prize. He accepted the award and took the opportunity to articulate his hope the civil rights movement would be successful, as well as his hope for all mankind:1 “…I must...

 

Monday, January 9, 2017

The Markets …And, they’re off! Bullish sentiment helped world equity markets get off to a fast start last week. Just name a country or region – developed markets, emerging markets, the United States, Latin America,...

 

Tuesday, January 3, 2017

…And, it may have some thorns. There’s something you should know about retirement. It’s not as easy as everyone makes it seem. Remember what life was like when you tied the knot? How about once you had children? Or, when you accepted a...

 

Tuesday, January 3, 2017

The Gardner Group hopes everyone had a wonderful holidays and a Happy New Years! As we flip the calendar to 2017, what a difference a year makes! At the start of 2016, investors were rather pessimistic and risk averse,...

 

Wednesday, December 28, 2016

The Markets On behalf of The Gardner Grouip, we hope everyone is having a wonderul holiday season, and wishing you and your family a Happy New Years. During the holidays, the markets missed it by that much… The Dow Jones...

 

Wednesday, December 21, 2016

We hope your holidays will be filled with family, friends, merry-making, and good cheer. One way to ensure a happy holiday season is to stay safe online. Here are a few tips that may help. 1. When using public Wi-Fi at a hotel, coffee...

 

Wednesday, December 21, 2016

The Markets The Federal Reserve put a hitch in the markets’ giddy-up last week. It wasn’t the Fed’s second interest rate hike in a decade that caused markets to stumble. December’s rate hike was old news before...

 

Monday, December 12, 2016

The Markets Dad: “Fra-gee-lay” …it must be Italian!Mom: I think that says “fragile,” honey.Dad: Oh, yeah. This holiday season, investors’ enthusiasm for U.S. stocks has rivaled old man...

 

Monday, December 5, 2016

The Markets Flirting with higher interest rates. Last week, yields on 10-year Treasury bonds rose to a 17-month high of 2.44 percent, reported The Wall Street Journal, before retreating to finish the week at about 2.4 percent. As...

 

Tuesday, November 29, 2016

For about 35 years, investors have enjoyed a bull market in bonds. At the start of 1982, the interest rate on 10-year U.S. Treasury bonds was 14.2 percent. By November 1, 2016, interest rates had fallen to 1.8 percent.1 Since bond...

 

Monday, November 28, 2016

The Markets It’s a myth! According to WebMD, the amino acid L-Tryptophan is not responsible for Americans’ post-Thanksgiving food coma. The real culprit is overeating. So, last week’s post-feast sleepiness can be...

 

Tuesday, November 22, 2016

Thanksgiving is America’s second favorite holiday,1 and it offers something for everyone. You can enjoy family togetherness, feasting, football, school plays, parades, gratitude, and, of course, shopping. If you’re a traditionalist,...

 

Monday, November 21, 2016

The Markets First off.......The Gardner Group wishes everyone a Happy Thanksgiving. After that, it could be the end. Yep. this time it’s the end. Really. Possibly. It seems like experts have been forecasting the end of the bull...

 

Monday, November 14, 2016

The Markets Surprise! Markets were remarkably sanguine following the election of Donald Trump to the presidency of the United States. There was a moment of panic. As election results rolled in on Tuesday, Gold prices rose and Treasury...

 

Wednesday, November 9, 2016

“American soldiers in battle don’t fight for what some president says on TV. They don’t fight for Mom, apple pie, the American flag. They fight for one another. ”1 Stars and Stripes used the words of Lieutenant Colonel Harold “Hal”...

 

Monday, November 7, 2016

The Markets Markets hate uncertainty – and that may create opportunities. Last week, investors experienced another bout of election jitters, and the Standard & Poor’s 500 (S&P 500) Index fell for the ninth straight session....

 

Monday, October 31, 2016

The Markets It’s almost over… During July 2016, Pew Research reported almost 60 percent of Americans were suffering from election fatigue. They weren’t uninterested in the election. They were just worn out by...

 

Friday, October 28, 2016

In the 1970s, a TV episode of The Odd Couple taught viewers never to assume.1 It’s a lesson we appear to have forgotten. Many Americans assume Medicare will provide financial assistance to help with long-term care costs in retirement....

 

Thursday, October 27, 2016

People of a certain age will remember ‘It’s The Great Pumpkin, Charlie Brown.’ The animated television special debuted in 1966,1 way back when there were only a few channels and you had to get out of your seat to change them from one...

 

Monday, October 24, 2016

The Markets “Verrrry interesting.” Arte Johnson’s catch phrase from Rowan & Martin’s Laugh-In may not have described U.S. stock markets last week, but there were some interesting economic, cyber-security, and...

 

Monday, October 17, 2016

The Markets ‘Tis the season! Third quarter earnings season, that is. Every quarter, companies report earnings to let investors know how profitable the companies were during the quarter. When profits grow, a company’s share...

 

Monday, October 10, 2016

The Markets Was it good news or wasn’t it? The U.S. unemployment rate ticked higher last week. The September jobs report showed the United States added 156,000 new jobs in September. That was 16,000 fewer than economists were...

 

Monday, October 3, 2016

The Markets Markets were relatively calm during the third quarter of 2016, yet they delivered some attractive returns overall. In the United States, all three major U.S. indices posted record highs twice during a single 7-day period in...

 

Friday, September 30, 2016

That’s how much Americans had spent on pain relief medications and treatments when the Institute of Medicine (IOM) completed its report in 2011. If you factor in lost productivity, the economic cost of pain rose to more than $560...

 

Thursday, September 29, 2016

If you ask people what creates stress in their lives, money is often at the top of the list. Stress in America: Paying With Our Health found money was a somewhat or a very significant source of stress in the lives of 64 percent of...

 

Monday, September 26, 2016

The MarketsAs expected… The U.S. Federal Reserve left rates unchanged last week and markets celebrated. Across the globe, national stock market indices finished the week higher. In the United States, the Standard & Poor’s...

 

Monday, September 19, 2016

The Markets If it’s not one thing, it may be another. Economic data released last week will factor into this week’s Federal Open Market Committee (FOMC) decision on whether to push interest rates higher in the United States...

 

Monday, September 12, 2016

The Markets Blame it on the central banks! After 44 consecutive sleepy, summer days when Barron’s reported the Standard & Poor’s 500 Index opened and closed without a 1 percent move in either direction, the index tumbled...

 

Tuesday, September 6, 2016

The Markets “We can never know about the days to come, but we think about them anyway…”--Carly Simon Economists and market analysts have been thinking a lot about the Federal Reserve and the actions it may take...

 

Thursday, September 1, 2016

Labor Day weekend — the three days dedicated to celebrating American workers — marks the end of summer and, for some, the start of a new school year. It’s a good time to relax and ponder thoughts about work and play: “No work is...

 

Tuesday, August 30, 2016

You may not have heard of the Longevity Market but, if you’re older than 50, you’re one of its 74.9 million members.1 It may be easiest to think of the Longevity Market as another way of describing the Baby Boom and preceding...

 

Monday, August 29, 2016

The MarketsAttention investors: U.S. interest rates may be moving up and it might happen this year. (Please note, this is the rational behind 75% of our re-balancing that took place last week). During last Friday’s speech at the...

 

Monday, August 22, 2016

The Markets Last week, Wall Street was speculating about monetary policy with the enthusiasm of commentators trying to predict who will bring home Olympic gold. The Federal Open Market Committee (FOMC) is expected to introduce another...

 

Monday, August 15, 2016

The Markets How do you measure stock market valuation? If you look at conventional measures – like price-to-earnings (P/E) ratios – then U.S. stock markets appear to be pricey. The Wall Street Journal reported trailing...

 

Monday, August 8, 2016

The Markets It’s déjà vu all over again! The Chicago Board of Options Exchange (CBOE) Volatility Index, also known as the VIX, tracks the prices of options on the Standard & Poor’s 500 (S&P 500) Index. Since...

 

Monday, August 1, 2016

The Markets Here’s a brain tickler for you: In July 2016, there were four. In June 2016, there were 10. Since 2008, there have been 673! What are they? If you guessed central bank rate cuts, you are on the money. Financial Times...

 

Thursday, July 28, 2016

Most investors are familiar with the maxim ‘buy low and sell high.’ The unfortunate reality is that it’s a difficult principle to follow. Buying low often means investing in a company when its shares are priced below full value.Of...

 

Monday, July 25, 2016

The Markets Like a cool breeze on a hot day, the post-Brexit market rally has soothed investors. The CBOE Volatility Index (VIX), also known as the fear gauge, fell significantly during the past few weeks, according to CNBC.com. The...

 

Monday, July 18, 2016

The Markets “Start your engines,” was not in the Department of Labor (DOL)’s June Employment Report Summary, but it may as well have been. A positive jobs report revved investor optimism and sent U.S. stock markets...

 

Monday, July 11, 2016

The Markets When the yield on 10-year Treasuries finished last week at 1.37 percent, a record closing low, Barron’s called it a Kübler-Ross rally. Elizabeth Kübler-Ross was a Swiss psychiatrist whose research identified...

 

Tuesday, July 5, 2016

Would you accompany a group of high school students studying photojournalism and social change in Argentina? How about a group learning about language and culinary traditions in France? Does working for a season or two in a great place...

 

Tuesday, July 5, 2016

The Markets The Gardner Group hopes everyone had a fun and safe 4th of July. It's amazing to think that with this holiday, we are into the second half of the year. And the first half ended with plenty of excitement as the second...

 

Thursday, June 30, 2016

Our Founding Fathers structured American democracy and left a legacy that has greatly influenced the world. This Fourth of July, see what you know about the Founding Fathers by taking this brief quiz. 1. Who were America’s Founding...

 

Wednesday, June 29, 2016

You may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is, in fact, the most common living arrangement for this age group and a...

 

Monday, June 27, 2016

The Markets For those that skipped our Sunday update addressing last week's historic BREXIT, SURPRISE! Britain is leaving the European Union (EU) after 40 years of membership. Last Thursday, almost three-fourths of voters in Britain...

 

Sunday, June 26, 2016

BREXIT HIGHLIGHTS On June 23, British citizens voted roughly 52 percent to 48 percent in favor to leave the European Union. Short term, we expect market volatility to pick up - Asian markets’ response and the Dow Jones Industrial...

 

Monday, June 20, 2016

The Markets The world’s stock markets took it on the chin last week. A one-two punch was delivered with the Federal Open Market Committee (FOMC) meeting leading and concerns Britain will leave the European Union following. On...

 

Friday, June 17, 2016

For several years, researchers at Boston College have been studying the experiences and expectations of fathers. As you might suspect, the way in which men understand the role of ‘Dad’ has been changing. While some still believe their...

 

Monday, June 13, 2016

The Markets The British may be leaving. The British may be leaving. Last week, the interest rate on 10-year U.S. Treasuries dropped to levels last seen in 2013. Why, you may ask, would bond yields move lower when Federal Reserve policy...

 

Monday, June 6, 2016

The Markets Statistics means never having to say your certain, and that was certainly true last week. The employment report, which was released on Friday, was a bit short on jobs. Analysts had predicted employers would add about 162...

 

Tuesday, May 31, 2016

In medieval times, alchemists sought methods for transforming ordinary metals into gold. Today, just about every adult searches for a means of transforming savings into a retirement’s worth of income. Recently, they received help from...

 

Tuesday, May 31, 2016

The Markets Everyone makes mistakes. Some people learn from them. In GMO’s March 2016 white paper, James Montier and Philip Pilkington continued to explore the Federal Reserve’s influence on the stock market. It was a...

 

Friday, May 27, 2016

Before the big barbecue, take time this Memorial Day weekend to honor the men and women who gave their lives fighting for our country. If you’re looking for a way to remember those brave Americans, here are a few suggestions:1 • Raise...

 

Monday, May 23, 2016

A mobile trivia game maker recently assessed the playing habits of Americans and identified the most popular topics by state. As it turns out, Alabamians like college football questions, Alaskans like queries about U.S. states, Rhode...

 

Monday, May 16, 2016

The Markets When is a door not a door? The answer, of course, is: When it’s ajar. Investors and analysts were trying to find the answer to a different riddle last week: When are strong retail sales not strong retail sales? The...

 

Monday, May 9, 2016

The Markets Reading economic portents can be tricky. For example, do signs that economic growth is slowing – like last week’s employment report, which was anemic relative to consensus forecasts, and first quarter’s...

 

Friday, May 6, 2016

Scientists have been mapping our mothers’ brains! They haven’t found eyes in the back of her head, or a way to help her worry less, but they are beginning to understand the mother-child bond better:1 “After centuries of observing...

 

Monday, May 2, 2016

The Markets “Which would you prefer to be: a medieval monarch or a modern office-worker?” If you immediately answered medieval monarch, take a moment to ponder life without “…modern dentistry, antibiotics, air...

 

Sunday, May 1, 2016

Super Bowl winners, the length of hemlines, and Sports Illustrated covers – all of these have been used to develop theories about the direction in which stock markets may be headed. Presidential elections and terms have also inspired a...

 

Monday, April 25, 2016

The Markets U.S. stock markets finished last week in heady territory. The Dow Jones Industrial Average closed at 18,003. Its all-time closing high is 18,312. The Standard & Poor’s 500 Index was less than 1 percent below its...

 

Monday, April 18, 2016

The Markets Isn’t it remarkable that China’s growth is so consistent? A columnist from The Washington Post once opined that China “produces an astonishing number of astonishing numbers.” Last week’s GDP...

 

Tuesday, April 12, 2016

The Markets As a quick reminder, if you are funding an IRA/Roth IRA for 2015, we need your checks in by noon on Friday. And if you are filing your taxes and funding a SEP IRA for 2015, same rules apply! And for those of you funding an...

 

Thursday, April 7, 2016

If you receive a voice or email message from the Internal Revenue Service (IRS), or you field a phone call from an IRS agent informing you “you owe back taxes” and “you better pay now or be arrested (or deported)...

 

Monday, April 4, 2016

April 4, 2016 The Markets It’s like déjà vu all over again! This wasn’t the first quarter, or even the first year, that bond markets have not performed in the way Wall Street strategists have expected. During 2014, bond yields were...

 

Thursday, March 31, 2016

College students have steep learning curves. In high school, they were tasked with doing well academically, participating in extracurricular activities, complying with the rules of their parents’ homes and, possibly, having a job...

 

Monday, March 28, 2016

The Markets Are corporations in the United States struggling? In its cover article last week, The Economist (a British publication), suggested there is not enough competition among American companies. It pointed out: “Aggregate...

 

Monday, March 21, 2016

The Markets For those that had spring break over the past few weeks, we hope you and your family had safe and fun travels. The Gardners were able to survive a short and fun trip down to Barton Creek. As we are winding down the first...

 

Tuesday, March 15, 2016

If wars were fought with words, Ireland would be ruling the world. --Irish proverb1 The wit and humor of the Irish is legendary, as is their ability to weave words into poems, prose, folk tales, and song. On this St. Patrick’s...

 

Monday, March 14, 2016

The Markets Stim-u-late mar-kets! Come on! It’s monetary easing.* The European Central Bank (ECB) was singing a tune that invigorated financial markets last week. The Wall Street Journal explained: “The fresh measures...

 

Monday, March 7, 2016

The Markets It wasn’t as entertaining as the Fantastic Four, The Magnificent Seven, or Ocean’s 11 but, last week, we had an opportunity to watch the Group of 20 (G20). The G20 stars finance ministers and central bankers...

 

Monday, February 29, 2016

The Markets It wasn’t as entertaining as the Fantastic Four, The Magnificent Seven, or Ocean’s 11 but, last week, we had an opportunity to watch the Group of 20 (G20). The G20 stars finance ministers and central bankers...

 

Friday, February 26, 2016

It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some Americans, others may benefit by contributing to a Roth IRA that...

 

Wednesday, February 24, 2016

The Markets And the economic data says… The United States economy is doing pretty well. So well that a March rate hike by the Federal Reserve is not entirely out of the question. Barron’s described the situation like this:...

 

Tuesday, February 16, 2016

The Markets Are markets suffering from excessive worry? Last week, markets headed south because investors were concerned about the possibility of negative interest rates in the United States – even though the U.S. Federal Reserve...

 

Friday, February 12, 2016

Are you looking for just the right Valentine’s Day message for someone you love? Here are a few suggestions that have a decidedly financial twist from 14 Ways an Economist Says I Love You by Liz Fosslien. The messages are...

 

Monday, February 8, 2016

The Markets There was bad news and good news in last Friday’s unemployment report. In the negative column, fewer jobs were created in the United States than economists had predicted, and January’s jobs gains were not as...

 

Monday, February 1, 2016

The Markets How low can you go? The Bank of Japan (BOJ) dove into the negative interest rate rabbit hole last week when it dropped its benchmark interest rate to minus 0.1 percent. If you’ve been following Japan’s story,...

 

Friday, January 29, 2016

The world’s first central bank offered unprecedented convenience. It gave 17th century Swedes the option to pay with paper notes rather than 40-pound copper plates, which were the currency units of the Swedish empire at the time....

 

Monday, January 25, 2016

The Markets Investors breathed a sigh of relief last week when U.S. stock markets recovered from a tumble toward bear market territory with the grace of a Cirque du Soleil performer. Many stock markets around the world finished the...

 

Tuesday, January 19, 2016

The Markets We all have our pet peeves, and if there is one thing markets do NOT like, it is uncertainty. Unfortunately, we entered 2016 with a lot of unanswered questions: How much has China’s growth slowed? How will the country’s...

 

Thursday, January 14, 2016

Dr. Martin Luther King, Jr. was a complex man who took an unconventional approach to a difficult problem. He used non-violent protests to focus attention on civil rights in the United States. While he fought the status quo, he...

 

Monday, January 11, 2016

The Markets The People’s Bank of China (PBOC) started the New Year with a downward currency adjustment and fireworks followed. Last week, three distinct issues affected China’s stock market. First, the PBOC’s devaluation of the yuan (a...

 

Thursday, January 7, 2016

Understanding 2016’s Higher Medicare Part B PremiumsOne-in-seven Medicare enrollees will pay higher Medicare Part B monthly premiums during 2016. Their premiums will be $121.80 each month, an increase of 16 percent. While...

 

Thursday, December 31, 2015

From early Babylonians to present-day Americans, people have been celebrating the beginning of every new year for almost four thousand years!1 Here are a few ways people celebrate the holiday in the United States:2 61 percent of...

 

Monday, December 28, 2015

The Markets It was a short week, but it wasn’t quiet. Oil prices moved higher, according to The Wall Street Journal, after the U.S. Energy Information Administration reported crude-oil inventories fell unexpectedly last year....

 

Tuesday, December 22, 2015

December is full of high spirits and good cheer. If you browse online, you’ll find some surprising holidays amidst more well-known celebrations. Just in case you need more reasons to celebrate the season, here is a list of major...

 

Monday, December 21, 2015

The Markets Before we jump into the excitement that Fed minutes can provide, The Gardner Group wants to wish everyone a Merry Christmas and Happy Holidays. Hopefully everyone is preparing to...

 

Monday, December 7, 2015

The Markets Anyone looking at U.S. stock market performance last week might assume it was a pretty quiet week. They would be wrong. It was a very bouncy week. U.S. stock markets moved lower on Monday, rebounded on Tuesday, and then...

 

Sunday, November 29, 2015

The Markets American markets were relatively quiet during Thanksgiving week but there were fireworks in China’s markets. Late in the week, media outlets reported the China Securities Regulatory Commission was conducting inquiries into...

 

Monday, November 23, 2015

The Markets Financial markets were remarkably calm last week. Many stock markets in the United States, Europe, and Asia moved higher as investors chose to focus their attention on the minutes of the October 27-28, 2015 Federal Open...

 

Monday, November 16, 2015

It's tough at times to talk business when our thoughts and prayers are with the victims in Paris. Attacks by the Islamic State were an appalling exclamation point at the end of a difficult week for stock markets.

 

Thursday, November 12, 2015

The Gardner Group was recently recognized by D Magazine as one of the top financial planning firms in DFW. On behalf of our clients, peers, and co-workers, we want to thank you for this recognition.

 

Monday, November 9, 2015

And, the Bureau of Labor Statistics (BLS) said… U.S. job growth surpassed expectations in October. About 271,000 jobs were created across diverse industries: professional and business services, health care, retail, construction,...

 

Friday, October 30, 2015

Veterans are skilled leaders and problem solvers who have a lot to offer in and out of the service. Got Your 6, a campaign to empower veterans in America, offered some interesting insights about the men and women who have chosen to...

 

Monday, October 26, 2015

You may have heard of tax loss harvesting. Some people harvest losses every year, while others do so only when they have taken significant capital gains or have received more income than expected during a given year (perhaps they sold...

 

Monday, October 19, 2015

A number you’re probably not looking for is 1.5 billion. That’s the number of pounds of pumpkins grown every year. History.com said that’s more than twice the weight of the Empire State Building. Here are a few other interesting...

 

Tuesday, October 6, 2015

If you’re 57 or older, it’s a pretty good bet you take at least one prescription medication. If you take more than one, it’s really important to understand how the drugs may interact with one another in your system – particularly, if...

 

Monday, October 5, 2015

Twenty-five years ago, the Americans with Disabilities Act was signed into law, guaranteeing disabled Americans – people with mental, physical, or emotional disabilities – equal opportunity in employment, transportation, government...

 

Tuesday, August 25, 2015

Workers are essential to innovation and success. According to the London School of Economics (LSE), they’re a source of ideas for new products, new services, new approaches to work, and new business models.1Worker-led innovation must...

 

Wednesday, August 19, 2015

Healthcare. Retirement. Those may be two of the most stressful words in the English language today. Especially when you include them both in the same sentence. For instance, a married couple that saves $326,000 has a 90 percent chance...

 

Friday, August 7, 2015

How Do You Make Money in Stocks?Have you ever watched Family Feud? Perhaps you were a child when Richard Dawson hosted the game show or maybe you enjoy the current version. No matter, take a moment and:• Name a three-letter word that...

 

Thursday, June 25, 2015

People think about character in many different ways. You have probably heard or may have commented on someone else’s character by saying:• She is a woman of good character.• What a character!• That was really out of character.• He has...

 

Monday, June 22, 2015

Achieving U.S. citizenship can be life changing, but it is not easy. Those who aspire to become American citizens must pass a 100-question naturalization test and answer six of 10 questions correctly during their naturalization...

 

Wednesday, June 17, 2015

While your high school student is taking standardized tests, parsing college choices, and raring for graduation, you’ll probably find yourself spending some time with net income calculators on college websites. Whether your family’s...

 

Tuesday, June 9, 2015

Modern dads are a diverse bunch. They may go to work or stay at home with the kids. They may be single, married, or dating. They may be birth parents, adoptive parents, or step-parents.1 They may be expected to teach children morals...

 

Tuesday, June 2, 2015

U.S. Workers Miss Billions in Retirement MatchesI recently came across this article on Reuters.com, and wanted to share it with you in regards to your SMU 403(b). Please be aware of the very generous match SMU provides their employees....

 

Tuesday, May 12, 2015

There are many ways to show gratitude for the sacrifices made by the men and women who have died while fighting for our freedom. In 1868, General John Logan issued a Memorial Day Order that said:1“Let us, then, at the time appointed,...

 

Wednesday, May 6, 2015

When you think “Mom,” it’s likely your brain conjures up a scent or a story or a song that feels like home. Here are a few inspiring and heartfelt words that have been written about the value and importance of mothers:“A mother enables...

 

Monday, April 27, 2015

It all depends on you. Thanks to the Baby Boom generation, pre-retirees and retirees have a lot more options than did previous generations of Americans. There is a lot to consider before you decide where to live during retirement: your...

 

Monday, April 13, 2015

As Director of Financial Planning for The Gardner Group, one of my primary responsibilities is to take my background and experience in tax as a CPA, and apply that knowledge to your financial plan. Whenever possible, we want to reduce...

 

Monday, March 16, 2015

Madness is not something The Gardner Group likes to associate with financial planning, but one of the most anticipated times of the year is upon us, March Madness. The 2015 Men’s NCAA Tournament begins this Tuesday, March 17, 2015. If...

 

Tuesday, March 10, 2015

So if that is the question........does rebalancing matter? At The Gardner Group, we work together with our clients to determine the best asset allocation for their portfolios to minimize risk while attempting to achieve the desired...

 

Friday, March 6, 2015

St. Patrick, the apostle of Ireland, is one of the most well known and popular Catholic saints. Of course, he wasn’t actually Irish and his birth name wasn’t Patrick! Maewyn Succat was born to Calpurnius and Conchessa, a Roman couple...

 

Thursday, February 12, 2015

Needless to say, The Gardner Group loves their clients 365 days a year. However, love is more prevalent on one special day, February 14th. Romantics welcome Valentine’s Day and having the opportunity to lavish loved ones with attention...

 

Monday, February 2, 2015

The Gardner Group is pleased to announce Scot Jackson, CPA as the Director of Financial Planning. Scot joined the team on January 5, 2015.As a licensed Certified Public Accountant (CPA), Scot is experienced in small business consulting...

 

Monday, January 19, 2015

It has been The Gardner Group's experience that many people include a component of their finances in their New Year's resolutions (along with weight loss and quitting some vice). We recently came across a Top 10 New Years resolutions...

 

Monday, January 12, 2015

The Internal Revenue Service announced the new 401k/403b contribution limits for 2015. This is good news for those wanting to save more towards retirement in the New Year. If you are under age 50, you can now...

 

Thursday, December 18, 2014

This increasingly-popular tool allows you to give more to your favorite charities, and less to the IRS.A donor-advised fund (DAF) offers an easy way for our best clients to make significant charitable gifts over a long period of time....

 

Monday, December 15, 2014

TIAA-CREF survey reveals that employees at colleges and universities are far more likely to have taken concrete steps to plan and save for retirement.College faculty and staff are better prepared for retirement than the general...

 

Wednesday, October 1, 2014

Sitting is bad for your health. Whether you’re sitting at a desk doing work, in a classroom listening to a lecture, or on a ship sailing the ocean, research suggests extended periods of sedentary behavior may increase the likelihood of...

 

Monday, July 21, 2014

History is full with examples of parents taking actions they believe will improve the lives of future generations. In 1780, then President of the United States John Adams wrote to his wife:[1]“I must study Politicks and War that my...

 

Wednesday, June 18, 2014

Credit and Payment Security: A Cycle of Good News and Bad NewsIt was good news. In July 2013, federal prosecutors in the United States brought indictments against members of a sophisticated Russian syndicate. The gang members were...