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Wednesday, September 16, 2020

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...

Friday, September 11, 2020

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...

Friday, September 4, 2020

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...

Thursday, September 3, 2020

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 an advisor”. Many Americans feel ashamed of how...

Friday, August 28, 2020

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 having now erased all...

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Friday, August 14, 2020

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...

Monday, August 10, 2020

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...

Friday, July 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...

Tuesday, July 28, 2020

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...

Wednesday, July 22, 2020

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...

Monday, July 20, 2020

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...

Friday, July 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...

Thursday, July 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...

Friday, June 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, and more polarizing...

Friday, June 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...

Tuesday, June 16, 2020

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...

Friday, June 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...

Monday, June 1, 2020

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,...

Friday, May 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...

Tuesday, May 26, 2020

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...

Monday, May 18, 2020

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...

Saturday, May 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...

Monday, May 11, 2020

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 Funds attempt to match an individuals’ expected retirement age with the...

Saturday, May 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...

Tuesday, May 5, 2020

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...

Friday, May 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...

Tuesday, April 28, 2020

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...

Tuesday, April 21, 2020

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...

Monday, April 20, 2020

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...