Every time a charge hits one of my credit cards I get a text message detailing the transaction. This helpful little service was offered to me by Chase, but now other card issuers have offered this service as well. I have to admit, my primary interest...

The Secure Act 2.0, which is one of the most material updates to rules governing retirement savings and accounts, is now law. The law was included in the huge omnibus spending bill passed late in the last Congress. While the Secure Act 2.0 updates...

This week, as expected, the Federal Reserve bank raised short term interest rates by one quarter of one percent. As we have discussed often before, this policy change was focused on reducing price inflation in our economy. The policy change was the...

When it comes to financial markets, in my opinion there are good times, there are bad times and then there are “weird” times, which of course I think are the most complicated. Statistically, in the United States, from the time period from 1926 to...

A couple weeks back I received an email about my January 1st column. The reader, Dale from Westville, opined, “I really wish you would take time in your column to explain what all the free money has done to the markets. The stock buyback tricks...

The payoff for “holding down the fort” for my teammates over the holidays was a long-ago scheduled ski trip the first week of January. The location — Whistler, British Columbia — was on the Marc “bucket list,” and this vacation had been...

The $1.7 trillion omnibus spending bill passed late last year during the final weeks of the prior Congress included some important changes to the rules and laws pertaining to retirement planning. This legislation, termed the Secure Act 2.0, enhances...

Marc Ruiz, Times Columnist  At this time every year I am preoccupied with constructing my anticipated investment narrative for the coming year. As an active investor and active advisor, I believe risk management and risk tolerance is malleable and...

What if we held a recession next year and no one came? At this point I feel like the pending 2023 recession has been the most heavily forecasted economic trend in history. All the economists I follow on a regular basis, as well as just about every...

Marc Ruiz: Times Columnist The IRS recently announced some extremely important updates for beneficiaries of inherited IRAs, and parts of the update are very timely as we head into 2023. The SECURE Act passed in 2019 and implemented in 2020 made a...