Resources
Resources
Is Consumer Debt Worsening?
Executive Summary According to the New York Fed’s Quarterly Report on Household Debt and Credit for the first quarter 2025 (released May [...]
Should the History of Multiple Expansion & Contraction Be Ignored?
Executive Summary The first chart below from Vetta-Fi illustrates the average of four separate valuation methodologies. Currently, this average is about 152% [...]
Was the May Jobs Report Strong?
Executive Summary As is typical with financial media, the 139,000 new jobs number released Friday was a celebrated “beat.” However, looking under [...]
Is the Stock Market Still Overvalued?
Executive Summary In this missive I share five charts of various valuation methodologies for the current stock market. The first is an [...]
How Serious is the Student Loan Crisis?
Executive Summary There are currently almost 43 million holders of student loans totaling $1.6 trillion (see first graph). Since the Covid relief [...]
Will the Ratings Agencies Catch up to Reality?
Executive Summary Last Friday Moody’s joined its peers in downgrading U.S. credit one level, from Aaa to Aa1. This came after Fitch [...]
Making Decisions About Life Insurance
Man is Mortal. That makes life insurance a little unique and interesting, doesn’t it? We purchase things like health insurance, car insurance [...]
Your Extended Care Strategy
Are you prepared for the possibility – and expense – of eldercare? Do you have an extra $33,000 to $100,000 [...]
The Value of Key Employee Insurance
What kind of financial loss would your business face without its key employees? They are worth more than their salaries – their [...]
ILIT Changes: What professional trustees need to know
Watch The Replay Bob Cremerius presented this ILIT webinar on December 15th, 2020 to a select group of invite-only professional colleagues. If you were [...]
Understanding a CPA’s Responsibilities Surrounding Trust-Owned Life Insurance
I am providing a link to The CPA Journal article, “CPAs’ Growing Role in Trust-Owned Life Insurance Planning” by: Chad L. Reyes and Robert [...]