Blog
Mosaic Weekly Article 06.02.2023
Happy start to the summer! As we have been expecting, the debt-ceiling deal is now at the finish line, ready for President Biden’s signature. The potential crisis has been averted and the economy and talking heads will now settle...
Read MoreBRICS Countries and their Impact on the US Economy
BRICS Countries and their Impact on the US Economy BRICS is an acronym that refers to a group of five countries with the potential for GDP growth and rising influence in...
Read MoreMosaic Weekly Article 05.26.2023
Memorial Day and the start of summer has finally arrived! It is important to take a moment to honor and reflect on the military personnel who have served our country and fought to protect the freedoms we so proudly share. Without those...
Read MoreMosaic Weekly Article 05.19.2023
It appears that we are slowly moving closer to some type of resolution on the impending debt ceiling concerns. Members from both parties along with the President showed a unified front on Tuesday in echoing each side’s wish to...
Read MoreMosaic Weekly Article 05.12.2023
Happy Mother’s Day to the wonderful moms who so patiently look out and care for all of us. Patience being the key word, especially in my house with three very opinionated (and hungry) young men. See the link below for a few fun...
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Mosaic Weekly Article 05.05.2023
This weekly update celebrates three full years since I started to write this letter. What a ride it has been! I think it’s safe to say that we have certainly had some highs and some lows along the way. Through it all, I hope that...
Read MoreMosaic Weekly Article 04.28.2023
It was all about earnings this week as nearly a third of the S&P 500 companies along with about half of the Dow Jones constituents released first quarter numbers. One thing is certain, the technology related sectors are surprising us...
Read MoreMosaic Weekly Article 04.21.2023
Earnings season kicked off in a meaningful way this past week as we are now truly getting a real “glimpse” into the direction our economy is headed. A host of companies have reported a mixed bag of results so far and are...
Read MoreMosaic Weekly Article 04.14.2023
The inflationary environment showed more signs of easing this week. This was welcomed by our financial markets, as they responded in a positive manner. The consumer price index (CPI) rose just 0.1% in March and 5% from a year ago. Both...
Read MoreMosaic Weekly Article 04.06.2023
Happy Easter! I know this is only Thursday, but the financial markets, along with our offices will be closed tomorrow in observance of Good Friday and the Easter holiday. I hope you are able to spend time with family and friends on...
Read MoreMosaic Weekly Article 03.31.2023
Our friendly fear indicator, the VIX, eased back considerably this week to just under 20 (normal range is 12-20), indicating that some normalcy is returning again. A quiet week, in general, was welcomed after enduring some painful days...
Read MoreMosaic Weekly Article 03.24.2023
It’s all about the banks still! The issues that arose here in the U.S. a few weeks ago, put a spotlight on the perceived “credit” crunch at several more banks across Europe. After UBS swept in to take control of an...
Read MoreMosaic Weekly Article 03.17.2023
I think it’s fair to say that our financial markets experienced an array of emotions over the past 5-10 days. From fear and anxiety to speculation and relief, we saw a little bit of everything. The Federal Reserve and Treasury...
Read MoreMosaic Weekly Article 03.10.2023
One of the popular market metrics we follow, the VIX (Volatility Index), moved higher this week as economic uncertainty and prolonged inflation and interest rate hikes dominated the news. The technology sector, already sitting on shaky...
Read MoreMosaic Weekly Article 03.03.2023
It was another mixed bag of headlines this week as we continue to monitor the Federal Reserve, corporate earnings announcements, and the prevailing economic headwinds. Our good friend the VIX indicator (volatility index), pulled back...
Read MoreMosaic Weekly Article 02.24.2023
I know Groundhog Day was several weeks ago, but this week feels like we are on rewind and stuck in an ongoing loop of sorts. At some point, we have all been in a place where it’s two steps forward and one step back. This is where...
Read MoreMosaic Weekly Article 02.17.2023
Perhaps, the single biggest surprise of this past week was the January CPI(consumer price index) data. After several months of lower than anticipated inflation, the recent data from January came in slightly higher than expected. There...
Read MoreMosaic Weekly Article 02.10.2023
For the second consecutive week, the news headlines were dominated by corporate earnings and Federal Reserve talk. Forward looking expectations and the hedging (lower) thereof remain the talk of the town. No surprises there in my...
Read MoreMosaic Weekly Article 02.03.2023
Old Mr. Groundhog was a HUGE disappointment on Thursday as six more weeks of cold, damp winter are expected. BOO! The week did provide a few good surprises, however, including a resurgence in the downtrodden technology arena. Several...
Read MoreMosaic Weekly Article 01.27.2023
It’s hard to make sense of the latest GDP (gross domestic product) number from the fourth quarter that was released on Thursday morning. The number came in at +2.9% which was slightly higher than the +2.8% that had been...
Read MoreMosaic Weekly Article 1.20.2023
The happy memories we recently enjoyed with one another over the holidays have been swiftly replaced by anxiety and angst once more. I had the good fortune to get back on the road this week to see clients but that didn’t slow...
Read MoreMosaic Weekly Article 01.13.2023
The December CPI (Consumer Price Index) numbers released on Thursday morning, came right in line with the expectations from economists. Over the week, leading up to the release, the markets moved in a nice upward trend. Clearly, the...
Read MoreMosaic Weekly Article 01.06.2023
We might have kicked off a New Year, but some of the same old stories keep recycling and playing on like a broken record. I’m not sure where to begin but let’s tackle a few of the headlines from this week.The biggest head...
Read MoreMosaic Weekly Article 12.30.2022
That’s a wrap folks! What a year it has been on many levels. I don’t know about you, but I am ready to move onward and upward. While we do experience years like 2022 from time to time, they make it hard to be confidant in...
Read MoreMosaic Weekly Article 12.23.2022
Let me start by wishing all of you a very Merry Christmas and a Happy Hanukkah season. As we enjoy our time with family and friends, it is important to take stock of all the wonderful things that surround us every day. As we quickly...
Read MoreMosaic Weekly Article 12.16.2022
On Wednesday, we saw the Federal Reserve stick to their plan of raising the fed funds rate by .50%. The plan from here, however, remains unclear. The only thing that is clear is that it seems the quick and sharp tightening is in the...
Read MoreMosaic Weekly Article 12.9.2022
Our financial markets seem to have taken a bit of a breather this week as a “wait and see” approach to the trading activity prevailed. The slowdown is mostly attributed to the highly anticipated Federal Reserve...
Read MoreMosaic Weekly Article 12-2-2022
The Federal Reserve’s continued inflation fight and positioning for 2023 and beyond were back in the spotlight over this past week. However, with the ever-important jobs data released this morning, the fight remains far from over...
Read MoreMosaic Weekly Article 11.18.2022
Things were a bit quieter this week which was fine by me! Like the fine Thanksgiving dinner we are about to consume, it was all about digestion and settling. A welcome change from the volatile days and weeks we have experienced lately....
Read MoreMosaic Weekly Article 11.11.2022
I would like to start this weekly update by thanking and honoring all our Veterans for their service and loyalty to our country.“As we express our gratitude, we must never forget that the highest appreciation is not to utter...
Read MoreMosaic Weekly Article 11.4.222
Another week is in the books on what has been an interesting and somewhat historic ride this year (I feel like I may have used this line more than once since I started writing this weekly update!). Federal Reserve Chairman Powel gave...
Read MoreMosaic Weekly Article Halloween Edition
Happy Halloween to all you ghouls and goblins! Fun fact: Halloween’s origins can be traced back to the ancient Celtic festival of Samhain, which was a celebration to remember the dead and departed on the eve of All Saints Day...
Read MoreI Bond Rate Change Alert
This week is the last week to lock in a record high rate for an I bond. Currently the rate is sitting at 9.62% but will drop to 6.48% after October 28th. The change in rate is based on the Consumer Price Index (CPI) which showed a...
Read MoreMosaic Weekly Article 10.21.2022
The financial waters calmed a bit more this week for a refreshing change and was long overdue. I know many of us are ready to put 2022 in the rearview mirror. As part of our ongoing due diligence process, we have been listening to...
Read MoreMosaic Weekly Article 10.14.2022
Weeks like this are what we get when Congress spends too much money, and the Federal Reserve is late to slow down the party! Volatility, a little more volatility and finally a dose of reality. A constrained and tight labor market, i.e....
Read MoreMosaic Weekly Update 10.7.2022
What started as a good week and bounce in the markets quickly faded as weaker corporate earnings outlooks coupled with a surprisingly strong job market put the brakes on the positivity. The job market continues to trend positively as...
Read MoreMosaic Weekly Article 9/30/2022
First, let me offer prayers to all the families impacted by Hurricane Ian. Both mother nature and the market have been challenging this week. The big market news from this week came from the overseas Bank of England(BOE), which...
Read MoreMosaic Weekly Article 9/23/2022
The footprints of the Federal Reserve now stand firmly on the back of our financial markets. This was not an easy week to digest in any way, shape, or form. The June market lows are now being retested and where we pivot from here is a...
Read MoreMosaic Weekly Article 9/16/2022
Let me start this weekly update with some good news. We have a new team member here at Mosaic Asset Partners. Baby Jack Dengler arrived early this morning and on schedule which mom certainly appreciated! All are doing well (including...
Read MoreMosaic Weekly Article 9.9.2022
My focus over the past week has again returned to the upcoming Federal Reserve meeting as we plod along the ever present, interest rate highway. Early bets are being made that we will see another ¾ point increase in the base rate,...
Read MoreMosaic Weekly Article 09.02.2022
This past week was all about volatility, the ongoing economic and Federal Reserve uncertainty, and the August jobs report. Surprisingly, the August jobs data showed an economy that continues to move forward despite the headwinds facing...
Read MoreMosaic Weekly Article 8.26.2022
Our financial markets continued to retreat over the past week as the near-term bullishness remains on the sidelines for now. We don’t find this to be alarming, in fact, it is a healthy sign in many ways. As much as we’d...
Read MoreMosaic Weekly Article 08/19/2022
I mentioned in my update last week that we could start to see a slow-down in the market momentum that had been created. That certainly has been the case this week. What have we been watching and following this week? A few common themes...
Read MoreMosaic Weekly Article 8.12.2022
Over the past week we finally started to see the term “mild” being applied to the recessionary concerns we have been hearing about for several months now. I suspect the latest July CPI reading (consumer price index) of 8.5%...
Read MoreMosaic Weekly Article
The inflation and interest rate battle rages on after more upbeat headlines over the past week. Another active week of earnings and economic data helped to guide the markets to more solid footing while providing more relief from the...
Read MoreMosaic Weekly Article
“U.S. economy just had a 2nd quarter of negative growth. Is it in a recession?”, read the headline from an article on Thursday. The technical definition of a recession says – yes, however many scholars and even...
Read MoreMosaic Weekly Article 7.22.2022
Technology and consumer discretionary stocks have led the market higher this week on the heels of better-than-expected earnings so far. Much to the surprise of many, companies like Netflix and Tesla reported much better quarterly...
Read MoreMosaic Weekly Article
Will they, or won’t they? The pressure is now on the Federal Reserve to raise rates by a full 1% at their July meeting in 2 weeks. My, how things can change so quickly! This is all coming on the heels of another red-hot inflation...
Read MoreMosaic Weekly Article 7.8.2022
Our financial markets continued to work on finding some levels of stability over this past week. After hitting the year-to-date lows in mid-June, we have been gradually climbing higher, although the volatility remains high. Part of the...
Read MoreMosaic Weekly Article 7.3.2022
Let me start by wishing everyone a very safe and happy 4th of July. Despite the differences we might share, we are fortunate to live in the greatest country in the world. The first half of the year is now officially in the books...
Read MoreMosaic Weekly Article 6.27.2022
Better late than never, right? I’ve spent the better part of four days on the lacrosse field and those of you with children can attest to the long days of games and travel. I have heard this many times, but I know I will miss...
Read MoreMosaic Weekly Article 6.20.2022
The Federal Reserve finally got tougher on inflation worries and acted aggressively this week by raising rates by 75-bps instead of 50. As of now, this has done little to ease the selling pressure but at least it seems like the right...
Read MoreMosaic Weekly Article
It seems that inflation has not yet peaked as was previously thought back in March. The latest May CPI reading came in at 8.6% which is a new, 40-year high (8.5% in March / 8.3% in April). Investors are indeed nervous as our markets...
Read MoreMosaic Weekly Article 6.4.2022
The job market remains relatively strong and robust as evidenced by the May jobs data released on Friday morning. “Employers have added more than 400,000 jobs a month for 12 consecutive months, the longest period of such strong...
Read MoreMosaic Weekly Article 5.30.2022
Memorial Day weekend and the official kick-off to summer is finally upon us. Making it even sweeter is that we finally saw a pause in the relentless selling pressure this week. The stock market appears to have found a near-term floor,...
Read MoreMosaic Weekly Article 5.23.2022
The headlines over the past week were all about rising costs and recessionary fears, as weaker than expected first quarter retail sector earnings trickled into our markets. Target, Walmart, Lowe’s, and Home Depot, all indicated...
Read MoreMarket in a Minute: Climate Change
Climate action is front and center for both the Biden administration and many of the world’s largest companies. Read my latest Markets in a Minute for a look at the opportunities and obstacles in the race to a clean-energy future and...
Read MoreMosaic Weekly Article 11/19/2021
A few short weeks ago, Federal Reserve Chairman Powell seemed to be a shoo-in for renomination to his current role as Chairman. However, the rumor mill is in full swing in Washington with grumblings that current Federal Reserve...
Read MoreMosaic Asset Partners Weekly Article 11/05/2021
Happy Friday! The monthly jobs report showed a much different picture from what we have been seeing and experiencing firsthand. The number of new jobs created totaled 531,000 in October, better than the estimates of 450,000. The...
Read MoreMosaic Weekly Article 10/30/2021
Happy Halloween! No “tricks” were played on us from our financial markets this week as stocks closed at record highs fueled by broad and generally robust corporate earnings announcements. Two of the market’s biggest...
Read MoreMosaic Weekly Article 10/22/2021
Another strong week of corporate earnings is now in the books and the upward trend remains intact. The one slight surprise could be that several of the high-flying tech and social media companies that had been leading the charge...
Read MoreMosaic Weekly Article 10/15/2021
Apparently, we all need to just stay calm and carry on! The financial world was a sea of green this week as the 3rd quarter earnings season kicked into high gear. Corporate profits remain robust, even in the face of rising prices and...
Read MoreMosaic Weekly Article 10/09/2021
Another successful Shred-It event is in the books! Thank you to everyone who made the time to stop out to see us. You can check out the pictures from the event by visiting our Facebook page. A deal has been reached on a short-term debt...
Read MoreMosaic Weekly Article 09/24/2021
Volatility, supply chain issues, and “Fed speak” were dominant forces over the past week in our financial markets. It appeared that we were finally starting to see some real signs of a correction on Monday as the Dow Jones...
Read MoreMosaic Weekly Article 09/17/2021
Another wild week is in the books. Tax talk dominated the second half of the week as the stock markets, in general, felt a bit weary. We also endured debt ceiling discussions, Fed officials and trading controversies, and confusion...
Read MoreMosaic Weekly Article 08/27/2021
All three major stock indexes, the S&P 500, Dow Jones Industrial Average (DJIA) and the Nasdaq finished the week in positive territory. The proverbial “kicking of the can” down the road continues as Federal Reserve Chairman...
Read MoreMosaic Weekly Article 08/15/2021
Are we finally starting to see some real consumer fatigue or are the Delta Covid variant concerns growing? These questions populated the headlines this week as retail sales dropped worse than expected for July and the homebuilder...
Read MoreMosaic Weekly Article 08.20.2021
Are we finally starting to see some real consumer fatigue or are the Delta Covid variant concerns growing? These questions populated the headlines this week as retail sales dropped worse than expected for July and the homebuilder...
Read MoreMosaic Weekly Article
The surprise for us all this week was that jobs are actually being filled, at least that what the monthly data is showing. For July, the unemployment rate dropped to COVID lows, while the number of new jobs being created grew above...
Read MoreMosaic Weekly Article 07/23/2021
I was a little early in calling a vacation slow-down in the markets last week! After seeing a 2% drop on Monday, the markets rallied all week to close near the all-time highs. I guess the volatility game is not over for now after all....
Read MoreMosaic Weekly Article 05/30/2021
WOW, it is already Memorial Day weekend, and we are quickly moving full speed ahead into summer. Vacations are planned, schools are winding down and the Cicadas are all around (in the Mid-Atlantic) reminding us that Mother Nature is...
Read MoreMosaic Weekly Article 05/15/2021
The latest U.S. economic news comes in the form of Retail Sales. Retail Sales numbers, which measure purchases at stores, restaurants, and online shops, was flat month over month for April. On a positive note, specific sales from...
Read MoreMosaic Weekly Article 05/07/2021
On Thursday, the weekly jobless claims data showed a drop below 500,000 over the past week in yet another sign that the labor market is returning to pre-pandemic levels. This is somewhat contradictory to what the April data showed us...
Read MoreMosaic Weekly Article 04/16/2021
Another interesting week is in the books and as has been the case as of late, we have plenty to discuss. Our financial markets continue to steadily climb as earnings season has kicked off on a positive note. The continued...
Read MoreMosaic Weekly Article 04/12/2021
It is amazing to see the renewed energy many are feeling knowing that there is, indeed, light at the end of our Covid tunnel. More and more “normal” spring activities are popping up, kids are returning to school, office...
Read MoreMosaic Weekly Article 04/03/2021
Happy Easter! With Spring in the air and the budding promise of fresh beginnings coming, we all have much to appreciate and be thankful for. I hope you are able to spend quality time with those you love and care about! I was fortunate...
Read MoreMosaic Weekly Article 03/13/2021
Happy Saturday, March 13th. WOW! It is hard to imagine that a year ago, the world and our lives as we knew it then, were about to go through a monumental change. What a ride we have all endured. As I write this, 13% of U.S. adults have...
Read MoreMosaic Weekly Article 03/07/2021
Happy Sunday! I hope you have been able to get outside this weekend and take in some of the early signs of spring. Like the new beginnings that spring offers, I also see the light at the end of the pandemic tunnel. Make no mistake,...
Read MoreMosaic Weekly Article 02/26/2021
It is hard to believe March is already knocking on our door. We had a bit of a warm-up here in Baltimore this week which has certainly been refreshing. However, while time marches on, some things remain the same. Oh, the politics of it...
Read MoreMosaic Weekly Article 02/19/2021
The winter weather we have seen this past week across much of our country has been crippling in many ways. A State like Texas simply is not prepared to handle the extreme cold, snow, and ice, that have hit much of the population hard...
Read MoreMosaic Weekly Article 02/12/2021
I hope your weekend has started off well and you are taking some time to focus on things other than the pandemic, financial markets, and impeachment trial. I know I will be spending some quality time with my wife! I started to think...
Read MoreMosaic Asset Partners Weekly Article 02/05/2021
Happy Friday and welcome to February. 2021 is already moving along at a brisk pace for sure. After a few snow days here in Maryland, I for one am already looking forward to Spring. Or perhaps a nice warm vacation? One can only wish. We...
Read MoreSave on Taxes - Invest in an IRA
Although 2020 is now in the rearview mirror, you can still help lower your tax bill before you file by April 15th, 2021. The IRS allows qualifying individuals to contribute to a Traditional Individual Retirement Account(IRA) for the...
Read MoreMosaic Asset Partners Weekly Article 01.29.2021
It seems the focus this past week has been on the volatility creeping back into our markets. Specifically, on the erratic trading that has taken place among a handful of stocks including Gamestop, Bed Bath & Beyond and AMC...
Read MoreMosaic Weekly Article 01/22/2021
And, we are off and running! President Biden and his new administration have come out of the gate with a flurry. As expected, several executive orders were signed in the first few hours of his Presidency amid little fanfare. Nearly all...
Read MoreMosaic Weekly Article 01/15/2021
As we close out the first two weeks of 2021 and race towards inauguration day, there remains plenty to talk about. We have received many phone calls and emails from clients asking about our thoughts on our President-elect, the new...
Read MoreMosaic Weekly Article 12/31/2020
We did it! We made it through. Now that 2020 is rapidly approaching the rearview mirror, it is time to look forward and begin to plan for what 2021 might bring. The reality is that as your trusted advisors we have already been looking...
Read MoreMosaic Weekly Article
As we close out a shortened week, our Mosaic team would like to wish you and your families a very Merry Christmas and our best wishes for a healthy holiday season. We still have a little less than a week to go before we can officially...
Read MoreMosaic Weekly Article
Will they, won’t they, or more precisely, when will they???? Those are the questions that we are asking ourselves. It’s not a matter of will we get a stimulus deal, but when? Simply put, the political talking heads are...
Read MoreMosaic Weekly Article 12/04/2020
Welcome to December! We are finally in the home stretch of what has been a memorable 2020. At this point, I think we can all use a little holiday cheer. I for one have been happy to get into the “spirit” of things and from...
Read MoreThings to Know Before Buying a New Car
For most individuals, a new car purchase, can be one of the worst financial decisions they can make. From the time you sign the papers to when you drive it off the lot your purchase can depreciate roughly 20-30%. That’s a lot of...
Read MoreMosaic Weekly Article 11/13/2020
Happy Friday the 13th! Seems fitting given the year and last few weeks we have all endured. Although our holidays will look and feel slightly different from years past, I for one am excited for the prospects of a more joyous and...
Read MoreShould You Buy that Warranty?
Just about each time you buy a product, from a cell phone to a new car, you are offered the opportunity to buy an extended warranty. Is buying the extended warranty a good idea? It might seem so in the moment. After all, you have a...
Read MoreWhat is a K Shaped Recovery?
What is a K Shaped Recovery? A K shaped recovery occurs when different parts of an economy recover at different rates. One part will soar to new highs, while the other part continues, on a downward trajectory. There is evidence that...
Read MoreMosaic Weekly Article 10/30/2020
We are finally closing in on the last few days of what has been an “unprecedented” election season. Unprecedented is a word we have used often this year and if I never hear that term again, I will be elated. To be honest,...
Read MoreWeekly Article 10/23/2020
Finally, we were treated to a true “presidential” debate on Thursday evening. While I don’t believe it will change much as it pertains to the election, it certainly provided us all with a clearer view of where each...
Read MoreMosaic Weekly Article 10/16/2020
The shifting winds of Washington continued to dominate the headlines this week. After the failed in-person presidential debate scheduled for last night, the respective candidates took to a town hall style meeting. From what I saw last...
Read MoreMosaic Weekly Article 10/02/2020
Well, we expected a week full of fireworks and the “show” has not disappointed. Let’s start with what some might call a debate, but I think we all know it was far from that. My 3 teenage boys sat intently with me, not...
Read MoreAm I on track?
Am I on track? On track for what exactly, I would ask. To retire? To live comfortably? To provide for my family? These are a few of the questions we may ask ourselves daily. The answer? There is no simple answer. Life throws us...
Read MoreMosaic Weekly Article 09/25/2020
Let me start this update with a quick moment to reflect upon the tremendous legacy that the late RBG will leave on this great country. She is not only the first woman but also the first Jewish person to lie in state at our...
Read MoreMosaic Weekly Article 9/18/2020
We saw our first, live glimpse into our two presidential candidates and their respective platforms this week via separate “town hall” style gatherings. Clearly, there is a stark contrast in both messaging and delivery. From...
Read MoreWhere did the money go?
If you are like most people, you routinely get a paycheck, pay your bills, go through life for a few weeks, and at the end of the month, look at your bank account and wonder where the money went. You are not alone. Except for some...
Read MoreMosaic Weekly Article 9/11/20
Our investment world continued to see more volatility this past week, led by the technology sector. As we noted previously, this type of trading activity has been expected and even welcomed. Next week will bring a fresh new wave of...
Read MoreMosaic Weekly Article 9/4/20
Happy Labor Day! We hope you can safely connect with friends and family while enjoying the last days of summer. Personally, the coming of Fall is welcomed and one of my favorite seasons. Like the changing leaves ahead, our focus is on...
Read MoreWhy you should always consult with a financial advisor
Whenever we ask the question, “Why didn’t you seek help from us earlier?”, we often get the same answer, “I didn’t think I had enough money to consult a financial advisor”. Many Americans feel...
Read MoreMosaic Weekly Article 8/28/20
Happy Friday! Summer is quickly coming to an end as the last full week of August brought its fair share of news-worthy headlines. As I write this, the market is looking to wrap up a very strong week with the Dow Index having now erased...
Read MoreMosaic Asset Article 8/14/20
The summer of 2020 is slowly fading into the sunset, in what has to be remembered as one long, bumpy bus ride. You know the one from our childhood days? The song keeps replaying in my head, “The wheels on the bus go round and...
Read MoreWhy the housing market is on FIRE!
Let’s be honest, the housing market isn’t only on fire, it’s insane. Many of our clients and friends have recently sold homes in a matter of days and for some it was just a few hours. The average home price in the U.S...
Read MoreMosaic Weekly Article 7/31/2020
The world feels a bit more positive this week on many fronts. Vaccine trials are trending in a positive manner, additional stimulus measures appear to be on the way, and second quarter earnings continue to be better than expected. The...
Read MoreThe Importance of a Trusted Financial Advisor: When Life Throws You A Curve Ball
In December 2018, a week after I turned 50, I lost my husband to cancer. Eleven months later, in November 2019, I lost my dog to cancer. Four months later, in March 2020, my mom passed away after a long illness. Ok, I know, right now...
Read MoreJust have a child? Why you should start a 529 Plan
Congrats, you just had a child! Your life has just dramatically changed… Having a newborn is not an easy task. But what is easy is saving for your child’s future education. All parents want what’s best for their...
Read MoreHow Covid-19 is impacting the college search and application process
The college search and application process will be an interesting experience for students and parents alike this fall. Many prospective students will only be able to “tour” the colleges they are interested in online which...
Read MoreMosaic Weekly Article 7/17/2020
We are now halfway through the memorable summer of 2020 and I am wondering; how are you doing? It’s important to ask this question not only of ourselves, but of our family, friends and neighbors. As the cases here in Maryland and...
Read MoreMosaic Weekly Article 7/2/2020
Happy 4th of July! Our Mosaic team would like to wish you and your families a wonderful and safe holiday. Our office will be closed on Friday, July 3rd, in observance of the Holiday and we also will enjoy a long weekend ourselves. I...
Read MoreMosaic Weekly Article 6/26/2020
The volatility in our markets is back, alive and well! Just when we thought things were calming a bit, we get a rise in new Covid cases, a fallback on the easing of restrictions in some states hit the hardest by Covid, and more...
Read MoreMosaic Weekly Article 6/19/2020
Happy Father’s Day to all of the dads out there! I hope each and every one of you enjoys your special day and finds something fun to do! I always appreciate this time of year as we reach the “peak” of our daylight...
Read MoreHow I became a Financial Planner
From a young age I knew I had a passion for helping people. Although, one thing was certain, I was not going to be a doctor. I was never a fan of hospitals or doctors’ offices. I’m not truly sure where I found my passion...
Read MoreMosaic Weekly Article 6/5/2020
It was an interesting week in the U.S. and in the financial markets. If you read the headlines and watch TV, it almost feels like the Coronavirus Pandemic is a really bad dream. Clearly, our great country is going through a lot of...
Read MoreSaving vs. Investing – What is the right choice for me?
Simple – BOTH. While they may sound similar in nature, they are actually very different from one another. It’s really a risk vs. reward discussion and what your comfort levels are with each. When I think of savings,...
Read MoreMosaic Weekly Article 5/29/2020
Let me start by wishing all of the wonderful Mothers out there a very Happy Mother’s Day! I know in my house we will be celebrating the one who has held us all together and accountable over the last few months. This has been no...
Read MoreSocially Responsible Investments: What does it mean?
There’s a trend that’s becoming more main stream and as a result we are seeing changes in investor behavior. It’s called socially responsible investing. So, what exactly is socially responsible investing? Well, you...
Read MoreThe Snowball Effect
The best way to tackle any large task, whether its building a wall or paying off a mountain of debt, is to mentally break it down into smaller, manageable tasks. It’s very easy to overwhelm yourself by only focusing on the end...
Read MoreMosaic Weekly Article 5/16/2020
We are finally seeing some consistent late spring weather here in Maryland and it has been nice to enjoy our outdoor freedom. Hopefully you have been able to enjoy some fresh air this week as well. It’s hard to believe we are...
Read MoreAre target date mutual funds an appropriate investment for me?
Target date mutual funds have become a popular option within many 401(K), 403(B), and other similar retirement plans. In the simplest of terms, Target Date Mutual Funds attempt to match an individuals’ expected retirement age...
Read MoreMosaic Weekly Article 5/9/2020
Let me start by wishing all of the wonderful Mothers out there a very Happy Mother’s Day! I know in my house we will be celebrating the one who has held us all together and accountable over the last few months. This has been no...
Read More401k, 403b, and IRAs
Simply put, they are all vehicles for you to save for retirement. Although they each are different in their own ways, they all benefit from some type of tax advantage. 401k & 403b All you primarily need to know is that a 401k is used...
Read MoreMosaic Weekly Article 5/1/2020
I’ve learned a few things this week. We are all tired of each other, ready to move on and the stock market just doesn’t care! Being “locked up” is simply not in our nature. We are meant to be free. We are...
Read MoreFinancial Literacy
Financial literacy levels among U.S. citizens is concerningly low. Nearly 2/3rds of Americans exhibit low levels of basic financial knowledge. In a recent survey by the FINRA Investor Education Foundation, nearly 61% of participants...
Read MoreCares Act - Federal Student Loan Relief
How your Federal student loans are affected under the Cares Act Under the Cares Act, Congress signed in to law broad relief for federal student loan borrowers. If you are currently in repayment mode, your payments will automatically...
Read MoreStimulus Check
So, you’ve received $1,200 from the government: what should you do with it? Support yourself and your family. This is the whole reason you received this stimulus check in the first place. When bad times come around, the...
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