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An Important Financial Lesson from the Top of Crystal Mountain

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In this week’s Matt’s Minutes, Matt and Dylan share a powerful financial lesson from the summit of Crystal Mountain. Just like navigating a foggy ski run, you don’t need to see the entire path ahead—just the next right turn. The same applies to your finances. While no one can predict the future, making thoughtful, strategic decisions today sets you up for success tomorrow.

Click the video above to hear the full message and learn how taking the next best step can keep you on the right financial path.

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Let’s Talk Cryptocurrency!

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That’s right—you read the title correctly. I’m finally sharing my thoughts on cryptocurrency! In this video, I dive into its role as both a currency and an asset. I highlight some of the challenges it faces in each category and what that might mean for its place in a portfolio.  Technology seems to be moving at the speed of light and regulations change almost daily, I would never say that this type of investment would NEVER make sense inside of a portfolio.  But for our clients today, I say that with the unstable, unknown and highly regulated nature of this investment, it becomes virtually impossible to rely on.

Click above to watch the full video, and here’s the article I reference: “Does Crypto Deserve a Place in Portfolio Construction?”

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Are “Rules of Thumb” worth following?

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In today’s video, we’re revisiting the 4% rule for retirement—a classic rule of thumb that’s making a comeback! The 4% rule suggests that you can safely withdraw 4% of your retirement savings annually without depleting your nest egg. But is it truly a one-size-fits-all approach? Factors like inflation, risk tolerance, investment performance, and spending behaviors all play a role in determining whether this strategy works for your unique circumstances.

👉 Click play to learn how the 4% rule fits into modern retirement planning and how to tailor it to your financial goals!

This is the article I reference in the video: The 4% Rule for Retirement Is Back

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Scary Headlines Make Me Chuckle

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You may have seen recent headlines like: “Dow Down 200 Points, 9-Day Losing Streak—First Time Since the 70s!” It’s a dramatic story, but is it the whole story?

In this week’s video, I break down the data behind the headlines, showing how the market has performed over the past week and the past year. The big takeaway? Market movements like these are normal and shouldn’t derail your long-term investment strategy.

Successful investing is about staying focused on your goals—not reacting to attention-grabbing headlines. Watch the video to see how perspective can make all the difference.

We’re here to help you stay on track with your financial goals. Let us know if you’d like to discuss this further.

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Why Hail Mary Plays Rarely Win the Game in Investing

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In this week’s Matt’s Minutes, I share an idea for the first time ever!

I draw a parallel between baseball (Football, not baseball) and investing to highlight an important lesson: It’s rarely the “hail mary pass” at the end of the game that wins the game. If you aren’t sure what I am referring to, allow me to explain.  A hail mary pass is a desperation pass from the QB to no particular person in hopes that one of their own team members secures the ball in the endzone in an attempt to win the game. Sure, every once in a while it works (it worked a couple weeks ago in fact).  Many clients come to me with regrets about not investing in a particular ‘hot’ stock, but the truth is, we don’t rely on high-risk, high-reward strategies.  If football teams relied on the hail mary pass as their strategy to win, their win/loss record would be dismal. In this video, I share a personal story where a hail mary investment in my own personal account was successful, but it didn’t significantly impact my overall portfolio. Click the video above to understand why steady, strategic plays are the real game changers in your financial journey.

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Is A Money Market Account The Best Place To Keep Your Money?

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Is a Money Market Account the best place to park your money right now? In this video, I share an interesting visual breakdown of how money market and CD rates compare to the Fed funds rate. With the Fed cutting interest rates, these traditional savings options might not be the most advantageous for your money. Click on the video to explore the data and find out more. Have questions about your individual financial situation? Please don’t hesitate to reach out. 

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