A family of four unpacks a moving truck and carries boxes into their new home.

Moving to Florida

If you or your family are moving to Florida, we’d like to welcome you to our state. Whether you’re relocating for work, buying a new home with your..

Chart of the Day

Chart of the Day: Liquidity of the Big Three ETF Companies

Today’s Chart of the Day from Bloomberg’s Eric Balchunas shows that the “big three” of providers of Exchange Traded Funds (aka ETFs), which are..

Chart of the Day

Chart of the Day: Mega-Cap Tech for the Win

Today’s Chart of the Day shared by @KobeissiLetter on X, formerly known as Twitter, shows that seven companies, often called “The Magnificent Seven”..

existing homes in green, and new homes in purple. The two lines meek at $416k

Chart of the Day

Chart of the Day: Existing Equal to New

Today’s Chart of the Day from The Kobeissi Letter, @KobeissiLetter on X, shows that the prices of new homes are falling and are now the same price as..

Choose Local: 10 Benefits of Community Banks

Community banks are threaded into the local economy of many towns in the country. By serving the local residents and businesses with necessary..

chart illustrates the internal monologue a client could have when looking at the ups and downs of the market

Chart of the Day

Chart of the Day: Good Time to Buy

Today’s Chart of the Day from @MVMoneyVisuals on X, formerly known as Twitter, sums up many of the comments heard by advisors over the years. On a..

We’re Still Here: Why We’re Unifying

“For more than 90 years, we’ve served businesses and communities throughout Florida,” says Brad Ruhmann, Director of Marketing at Crews Banking. “As..

Chart of the Day

Chart of the Day: Hindsight is Always 20/20

Today’s Chart of the Day is a reminder that investing in the “next big thing” can be fraught with risk, and, in this case, cannabis-related companies..

How To Budget for College

Between 1980 and 2020, the price of college tuition increased by over 180%, according to Forbes Investor. In 2022 and 2023, the average cost of..

How to Be Financially Responsible with Your Income Tax Return

Getting a tax return mailed or transferred directly into your account is exciting. And although it’s easy to let that excitement lead you to thinking..

1991 and 2002 recessions, 2008 Global Financial Crisis, 2009 European debt crisis and holding cash shown in shades of blue

Chart of the Day

Chart of the Day: Even Worst Timing is Better than Cash

Today’s Chart of the Day and commentary is from Invesco and shows three instances when cash balances were high — following the 1991 and 2002..

Orange bar chart shows the impact of timing the market. Investment totals range from nearly $65,000 to only about $4,000

Chart of the Day

Chart of the Day: Don't Sell When the Market is Down

Today’s Chart of the Day from Visual Capitalist shows the impact of missing just a few positive days over the last 20 years. If you've followed the..

Teaching Kids About Banking

Nearly 40% of parents are hesitant to talk with their kids about money, but home is one of the best places to teach financial planning. Showing kids..

Chart of the Day

Chart of the Day: Rent Inflation is Down

Today I have good news for renters.

Alt text: Chart shows that almost half of Americans have nothing saved

Chart of the Day

Chart of the Day: Retirement Fall Off

Today’s Chart of the Day shows how much families have saved for retirement. Roughly 50% have ZERO saved, and only 21% have over $100,000.

On Our Minds

List Grid

09/29/23

If you or your family are moving to Florida, we’d like to welcome you to our state. Whether you’re relocating for work, buying a new home with your family, or opening a business, we hope you’ll enjoy your new home.

Chart of the Day

09/28/23

Chart of the Day: Liquidity of the Big Three ETF Companies

Today’s Chart of the Day from Bloomberg’s Eric Balchunas shows that the “big three” of providers of Exchange Traded Funds (aka ETFs), which are BlackRock, Vanguard, and State Street, account for 67% of all trades in ETFs.

Chart of the Day

09/27/23

Chart of the Day: Mega-Cap Tech for the Win

Today’s Chart of the Day shared by @KobeissiLetter on X, formerly known as Twitter, shows that seven companies, often called “The Magnificent Seven” consisting of Facebook, Amazon, Apple, Microsoft, Google, Tesla, and Nvidia, have provided a 54% year-to-date return, while the remaining 493 of the S&P 500 have only generated 4%.

Chart of the Day

09/26/23

Chart of the Day: Existing Equal to New

Today’s Chart of the Day from The Kobeissi Letter, @KobeissiLetter on X, shows that the prices of new homes are falling and are now the same price as existing homes. Going back to 2008, this is normally not the case (think in reference to new vs. used cars).

09/21/23

Choose Local: 10 Benefits of Community Banks

Community banks are threaded into the local economy of many towns in the country. By serving the local residents and businesses with necessary financial services, community banks help them get ahead in their corner of the world.

Chart of the Day

09/21/23

Chart of the Day: Good Time to Buy

Today’s Chart of the Day from @MVMoneyVisuals on X, formerly known as Twitter, sums up many of the comments heard by advisors over the years. On a long enough timeline, there has never been a bad time to own stocks for the long-run.

09/19/23

We’re Still Here: Why We’re Unifying

“For more than 90 years, we’ve served businesses and communities throughout Florida,” says Brad Ruhmann, Director of Marketing at Crews Banking. “As we grow and expand, we’ve identified a need for a name that both supports our past as well as our future growth.”

Chart of the Day

09/19/23

Chart of the Day: Hindsight is Always 20/20

Today’s Chart of the Day is a reminder that investing in the “next big thing” can be fraught with risk, and, in this case, cannabis-related companies are the focus. My finance professor at the University of Florida, Dr. David Nye, always said, “Hindsight is always 20/20,” and in this case, this is very apparent.

09/15/23

How To Budget for College

Between 1980 and 2020, the price of college tuition increased by over 180%, according to Forbes Investor. In 2022 and 2023, the average cost of college tuition ranged from approximately $11,000 for public colleges to $40,000 for private ones. Needless to say, going to college requires some financial planning.

09/15/23

How to Be Financially Responsible with Your Income Tax Return

Getting a tax return mailed or transferred directly into your account is exciting. And although it’s easy to let that excitement lead you to thinking about which fun items or trips you want to take, a tax return can put you in a better financial position for the future if used responsibly.

Chart of the Day

09/14/23

Chart of the Day: Even Worst Timing is Better than Cash

Today’s Chart of the Day and commentary is from Invesco and shows three instances when cash balances were high — following the 1991 and 2002 recessions, the 2008 Global Financial Crisis, and the 2009 European debt crisis — and calculates what $12,000 invested yearly in the stock market for 10 years would have been worth.

Chart of the Day

09/12/23

Chart of the Day: Don't Sell When the Market is Down

Today’s Chart of the Day from Visual Capitalist shows the impact of missing just a few positive days over the last 20 years. If you've followed the blog for a while, you already know that missing just a few days can be devastating to your account.

09/8/23

Teaching Kids About Banking

Nearly 40% of parents are hesitant to talk with their kids about money, but home is one of the best places to teach financial planning. Showing kids how to save, budget, spend, and invest can help set them up for success in the future. Here, we’ll give some suggestions on how to discuss money management with your kids, based on their age group.

Chart of the Day

09/7/23