Sep 22, 2024

September 2024 Charts

Three Charts That Have Our AttentionIf you are curious about what’s going on in the market or economy, we’d like to share some charts / graphics that we think are insightful.Interest Rates Impact on Government. Recent data from the Treasury reveals that the US government currently spends an average of $3 billion per day on interest expenses.

Three Charts That Have Our Attention

If you are curious about what’s going on in the market or economy, we’d like to share some charts / graphics that we think are insightful.

Interest Rates Impact on Government. Recent data from the Treasury reveals that the US government currently spends an average of $3 billion per day on interest expenses.

If the Federal Reserve reduces interest rates by 1 percentage point and the entire yield curve decreases by 1 percentage point, daily interest expenses would drop from $3 billion to $2.5 billion.

S&P Returns by Month. September has historically been a poor performing month for the stock market. The S&P has ended lower 56% of the time over the 1928-2023 stretch, according to Dow Jones Market Data.

Health Insurance Affordability Gap. The average US family health insurance premium increased 288% from 1999 to 2022. That equates to 6.4% per year, which is 2.5x higher than the overall rate of inflation (CPI) during this period.

The benefits of working with a fee-only advisor are namely expertise, time, and objectivity. You can schedule a no-obligation call with us to learn how we work with you to simplify, organize, and clarify your financial life.

person sitting while using laptop computer and green stethoscope near

How a Trip to Enroll in Medicare Almost Cost Our Client $300,000 - And How to Choose the Right Social Security Claiming Strategy

Several weeks ago our client, “Joe,” walked into a Social Security office to enroll in Medicare. However, over the course of that appointment he was told by an employee, “it’s your money, you’d be silly not to start it.” That casual recommendation could’ve cost Joe roughly $300,000.

Mar 10, 2026

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How QTIP Trusts Protect Your Second Marriage and Your Kids

One-third of married Americans age 55 and older are currently in a second marriage. While remarriage is common in this age demographic, it often creates what we call the "Brady Bunch" dilemma: how do you ensure your current spouse is financially secure while also guaranteeing that your assets eventually reach your children from a previous marriage?

Mar 7, 2026

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Trump Accounts: The Ultimate Tax-Free Wealth Strategy for Kids

Trump Accounts can be an excellent jump start to a child or grandchild's retirement savings.

Mar 3, 2026

How a Trip to Enroll in Medicare Almost Cost Our Client $300,000 - And How to Choose the Right Social Security Claiming Strategy

Mar 10, 2026

How QTIP Trusts Protect Your Second Marriage and Your Kids

Mar 7, 2026

Trump Accounts: The Ultimate Tax-Free Wealth Strategy for Kids

Trump Accounts can be an excellent jump start to a child or grandchild's retirement savings.

Mar 3, 2026

The Risks of NIL Agents and the Importance of Fiduciary Advice

For college athletes receiving NIL income making good decisions is critical to financial success.

Feb 25, 2026

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