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The Power Of Investing During Down Markets

The Power of Investing During Down Markets

David Shotwell

It’s an often–repeated cliché about the markets: Stocks are the only thing Americans do not like to buy on sale. When the markets fall, people cut back on contributions to retirement accounts and repeatedly miss out on a golden opportunity to buy shares at low prices. The concept is simple: If you are buying a […]

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What Is A Roth Conversion

What is a Roth Conversion?

David Shotwell

A Roth conversion means moving money from a traditional IRA into a Roth IRA, paying taxes on that money now in the hope of saving tax costs later. While nobody likes paying taxes before they need to, there are several reasons a Roth conversion may make sense as part of a financial plan. First, a […]

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529 College Savings Plan Basics

529 College Savings Plan Basics

David Shotwell

If you are putting away funds dedicated to your child’s higher education expenses, a 529 College Savings Plan is tough to beat. These plans allow parents and grandparents to put away funds for a child’s education, and the growth on the account is tax-free when used to pay qualified education expenses. In some respects, a […]

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Monte Carlo

What is Monte Carlo Analysis?

David Shotwell

We use financial planning software that utilizes a statistical technique called Monte Carlo Analysis. This technique analyzes spending goals from a portfolio over long time periods and calculates the odds of a plan’s success by running the plan with a thousand different potential investment outcomes rather than assuming a portfolio will always achieve its average […]

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Bull And Bear

Bull and Bear Market Cycles

David Shotwell

As of last Monday’s market close, the S&P 500, the stock index for the largest American companies, entered bear market territory, meaning that it had dropped 20% from the high it posted in December 2021. Several headlines have been talking about the market entering bear market territory. I thought it might be helpful to explain […]

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Worsening Inflation, Consumer Sentiment, And The Markets

Worsening Inflation, Consumer Sentiment, and the Markets

David Shotwell

The last two years have created a perfect storm for inflation. During the Covid Pandemic, most of the economy came to a full stop, disrupting the production of goods and materials. As the economy reopened, demand surged while production had not caught up. The pandemic also led to changes in the workforce that have led […]

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Welcome Ashley Sajor To The Srb Team

Welcome Ashley Sajor to Our Team

David Shotwell

Shotwell Rutter Baer is very excited to announce that Ashley Sajor has joined our team as an Associate Financial Planner. Ashley is the first member of our Financial Advisor Residency Program, where she will work with Dave and Nick to learn the details of financial planning while working toward her Certified Financial Planner Professional™ designation. […]

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Michaela Werner

Welcome Michaela Werner to Our Team

David Shotwell

This month we are welcoming our new summer intern, Michaela Werner. Michaela is going into her senior year at Central Michigan University and is majoring in accounting. She will be working primarily in our Lansing office but will also be joining many of our virtual client meetings and learning the financial planning process, meeting as […]

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Common Questions To Ask A Financial Advisor

Common Questions to Ask a Financial Advisor

David Shotwell

Dave and Nick field questions from friends, networking associates, clients, and more in this comprehensive list of Common Questions to Ask a Financial Advisor. If you want to listen to their two-part podcast series based on these questions and answers, click below. Ask A Financial Advisor Anything – Part One Ask A Financial Advisor Anything […]

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The Two Most Important Stock Market Charts

The Two Most Important Stock Market Charts

David Shotwell

https://media.blubrry.com/kitchen_table_finance/p/content.blubrry.com/kitchen_table_finance/Kitchen_Table_76.mp3Podcast: Play in new window | DownloadThere are a lot of folks out there right now on financial cable channels, on the internet news outlets, social media, and even print media talking about the markets, the economy, and where things are headed. Most of them are making exciting predictions of some sort and often they’ll […]

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