Insights + Resources

Epic Insights

Market Update: Outlook 2023

Dec 7, 2022

Through all the challenges, newfound opportunities, and every high and low we’ve experienced during the last couple of years, it’s no surprise why we might be striving for more balance. Whether it’s about the markets and global economy or what’s happening in our local communities, the news we’re hearing on a daily basis has the potential to disrupt the balance of our lives. But with resilience, perspective, and the support of close connections, we can navigate through it all and regain our sense of equilibrium. Even after another dizzying year, as 2022 proved to be. (more…)

New Retirement Contribution Limits for 2023

Dec 5, 2022

The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels. (more…)

Taking a Hike

Dec 2, 2022

Unless you live on another planet, you are fully aware of this thing called inflation — whether you’re at the grocery store, a gas station, buying clothes online, hiring a contractor or doing almost any other thing that requires spending money for something. Earlier this year, the Federal Reserve started raising interest rates to rein in inflation, which reached another 40-year high in June. By raising rates, the Fed hopes to slow the economy and inflation. That’s because as borrowing becomes more expensive, consumers tend to reduce spending. The drop in demand for goods eventually leads to lower prices. (more…)

Tax Related Identity Theft Crimes

Nov 30, 2022

Identity theft is a growing concern, impacting 14.4 million U.S. Consumers in 2019. Armed with your Social Security number, a criminal can use that information to commit tax- and other financial-related crimes in your name. (more…)

Wake Up Call

Nov 28, 2022

Try these morning rituals to get your day off to the right start.
What’s your current morning routine? Maybe it goes something like this: sigh as the alarm goes off, begrudgingly pull yourself out of bed, (more…)

Are You Retiring Within the Next 5 Years

Nov 25, 2022

You can prepare for the transition years in advance. In doing so, you may be better equipped to manage anything unexpected that may come your way. (more…)

Tags: Certified Financial Planner Charlotte NC, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings

The Yield Curve as a Predictor of Recessions

Nov 23, 2022

The shape of the U.S. Treasury yield curve is often looked at as a barometer for U.S. economic growth. More specifically, it reflects how the Federal Reserve (Fed) intends to stimulate or slow economic growth by cutting or raising its policy rate. Each tenor on the curve is roughly the expected policy rate plus or minus a term premium (the term premium represents the expected compensation for lending for longer periods of time). In “normal” times, the yield curve is upward sloping, meaning longer maturity Treasury yields are higher than shorter maturity Treasury yields. However, when, like now, inflationary pressures are apparent and the Fed wants to slow aggregate demand, shorter maturity securities could eventually out-yield longer maturity securities, inverting the yield curve. (more…)

Tags: Current Events, Investment Portfolio

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