Blog

HSA Portability- Bring your HSA With You!

If you read our blog titled   The Long Term Power of the HSA, then you know that we are big proponents of Health Savings Accounts (“HSAs”). By taking advantage of all that HSAs can offer, you can really propel your…
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Keep the Fed Independent

Like many others, we have complained about many of the decisions the Federal Reserve has made in the past. However, we would rather have an independent Federal Reserve than one swayed by politics. Historically, the more independent the central bank,…
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3 Keys to Understanding Credit Scores

What is a credit score? A credit score is a three digit figure that is intended to measure the likelihood an individual will repay debt and credit obligations.  It was created to simplify the process of obtaining credit.  The score…
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US Stocks Disconnect from Earnings

When buying a stock, you are investing in the future of the company. Historically a stock price is highly correlated to earnings growth. If earnings grow, the stock increases and vice versa. What we have seen in the past decade…
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How Disability Insurance Works (When You Can’t)

One topic that often is overlooked when it comes to personal finances is risk exposure.  Risk is why all sorts of insurance products exist.  Sure, we know we need car insurance in case we are in an accident and medical…
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Saving into a Roth IRA

As we have said in previous blogs, it is important for individuals to attempt to save money into three distinct “buckets” during their working years.  These buckets are the pre-tax bucket, the after-tax bucket and the Roth bucket.  This blog…
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Are We Headed Into a Recession?

 The yield curve turned negative and is a possible sign of recession. Are there any other signs? Yes, trucking rates are now down year over year. Also consumer confidence is near a 50 year high, which has shown to…
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Should I borrow from my 401k?

In our recent blog, Understanding the Ins and Outs of 401(k) Plans, we touted the great benefits of 401(k) plans. Some investors might also see this as a source of potential funds for personal loans.  Your 401(k) is a powerful…
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China Trade Deal: What It Means for Your Portfolio

 According to THOR’s disciplined approach, we believe international stocks (especially emerging markets) are set to outperform US stocks over the next several years. The current trade dispute between the US and China may be a catalyst. If a deal…
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THOR’s Disciplined Approach

Jim Gore, CIO, discusses the first two steps of THOR’s investment process. He uses these steps to describe an investment opportunity in Master Limited Partnerships (MLP’s) today.
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Market Updates

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