Are we in a housing bubble? My parents recently sold their home, and although nostalgic, it was a few years later than my brother and I would have liked. They were able to take advantage of this post covid housing spike, but still sold their home for 25% less then they could have sold it...Read More

Getting Back to Normal Schools are opening in NJ next year with no remote option being provided to parents. The mask mandate is going to be over on Friday, May 28th, and Covid case numbers should be below a 10K average within the week. Things are slowly but surely getting back to normal. One of...Read More

Panic selling will ruin years of good investing decisions Yes, even once, panic selling will ruin years of good investing decisions. That is a really factual statement and easy to write. It is much harder to put into practice when the market is plummeting and you need to maintain your investing discipline. A classic case...Read More

By Jeff Deiss CFP, AEP, Wealth Advisor Your ACM Wealth Advisor’s experience and guidance can help you visualize your future in retirement and make the decisions to keep you on track, taking these key retirement income considerations into account and how your investment portfolio should be designed based on your individual needs, goals and risk...Read More

By Paul Broughton The S&P 500 continues to make new highs and the economy is reopening at a rapid pace.  A great deal of this is likely due to the successful Covid vaccination rollout – everyday we’re getting that much closer to normal.  As well, the Fed’s current accommodative monetary policies remain firmly entrenched.  And...Read More

Missing the boat If you could make 7% on your investments for doing relatively little, would you take that deal? No, I am not going to try and sell you a newsletter with a get rich quick scheme, but I know the answer to my question is a loud and enthusiastic YES! From Jan 1,...Read More

Being right all the time is hard, actually it’s impossible 1 out of 10 active managers beats the overall index, and the best part…. That one manager changes all the time. There aren’t a few people out there who just consistently can beat the markets over and over the way Tom Brady goes to Superbowls...Read More

By Kevin Kelly Portfolio Manager Many fixed income investors with traditional investment-grade bond portfolios were likely disappointed by their performance in 1Q’21. This is understandable, because for the 5 years through 2020, the average annual investment-grade bond returned over 6.5%, whereas in 1Q, that return was -4.6%. Investors may not appreciate that the average investment-grade...Read More

Why is plywood so expensive? Home Depot is always a fun trip for a dad, but lately some of the joy has been taken away when I look at the prices. Inflation is alive and well, and I felt it when trying to buy lumber this weekend. Of course, being a financial planner, I made...Read More

By Charles Lieberman Chief Investment Officer The economy is now in full sprint, after being “Off to the Races”, as we wrote a month ago.  Payroll jobs surged by 1.07 million in March, including upward revisions to prior months, and additional mega-sized jobs gains are likely in the coming months, as vaccinations continue to roll...Read More