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Friday, December 1, 2023

It’s no secret that August, September, and October were rough months in the market. November brought back sunnier (and cooler) days which helped to ease some concerns as the broader markets closed significantly higher. While we...

Friday, November 17, 2023

Inflation hits a 2-year low, the government averts a shutdown, the stock market is higher. What a week! Can I just stop there?? FINALLY! It’s taken roughly 2 years for the core consumer price index (measure of inflation) to get...

Friday, November 10, 2023

I have been in a nostalgic movie mood lately. Earlier this week I was thinking about that scene in “Ferris Bueller’s Day Off,” where Ferris takes the stage on a parade float in downtown Chicago and belts out his best...

Friday, November 3, 2023

Cloudy with a chance of meatballs seems about right. At least that’s the feeling we walked away with after listening to Federal Reserve Chairman speech post meeting this past week. The Federal Reserve Committee unanimously agreed...

Friday, October 27, 2023

It’s Halloween weekend and I’m sure many of you will be out and about enjoying the festivities. Celebrations on October 31st (the eve of the Western Christian feast of All Saints’ Day) marks the start of All Hallows'...

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Friday, October 20, 2023

With the Fall weather moving into many parts of our country, Chairman Powell did his best impersonation of “Old Man Winter” on Thursday afternoon. While we all generally welcome some cooler temperatures, a downright chill...

Friday, October 13, 2023

Another week, another economic data point. The September CPI (consumer price index) data was released on Thursday showing that consumer prices rose by 0.4%, higher than the expectations of 0.3%. Consumers experienced a slightly...

Friday, October 6, 2023

Christopher E. Wasson, CFP® President Mosaic Asset Partners, LLC 1122 Kenilworth Drive, Suite 310 Towson, MD  21204 410.821.0089         fax 410.821.5993 MosaicAssetPartners...

Friday, September 29, 2023

September is closing out with a bug giant THUD! Wall Street is currently wading through what’s considered the worst seasonal period of the year. Goldman Sachs’ Scott Rubner (Economic Strategist) noted Friday that, since...

Friday, September 22, 2023

The Federal Reserve wrapped up their two-day meeting this week and as expected, left rates unchanged. Is this a good or bad thing? I believe, in this case, it is both. Things Appear to be Slowing Down The reality is setting in that...

Tuesday, September 19, 2023

Picture this. The entire family is crammed into the stay-wag as it departs from your hometown, packed with enough furniture, and supplies to equip a small army.  You can hardly see out of the back window, it's...

Friday, September 15, 2023

Sticky. That’s probably the most appropriate word we can use to describe the “inflation frustration” that still lingers right now. The numbers are improving year-over-year (moving lower), but perhaps not as fast as we...

Friday, September 8, 2023

Welcome to the Fall season? With temperatures hovering in the mid-90s here in the Mid-Atlantic, it hardly feels like Fall is anywhere close to being near. The heat seems to be sticking around for now, just like the “heat”...

Friday, August 25, 2023

We certainly endured a strange week in our financial markets. The housing conundrum continues, retail earnings and sentiment remain mixed, manufacturing has slowed more than expected, yet technology and the momentum stays in motion....

Friday, August 18, 2023

The retail sector weighed heavily on the performance of the stock market this week as consumers continued to drive the economy forward. The July advanced retail sales report showed an increase of 0.7%, while spending rose 1% excluding...

Friday, August 11, 2023

The latest inflation data ruled the airwaves this week. Several key metrics economists and more importantly, the Federal Reserve watches, showed us that there are still hurdles to overcome during the second half of the year. Starting...

Friday, August 4, 2023

We finally had some interesting talking points this week after what has felt like a relatively quiet month or two for our financial markets. The Fitch Ratings agency downgraded the debt of the U.S. on Wednesday (think of this like a...

Friday, July 21, 2023

It has been a bit quieter this week as summer vacation season kicks into high gear. We have grown accustomed to seeing slower activity in late July through August but even the slightest headline can change that quickly. With the...

Friday, July 14, 2023

Inflation eased slightly more in June as prices continue to slowly come down on a year-over-year basis. The CPI (consumer price index) released midweek, showed that inflation increased only 3% from a year ago, which is the lowest level...

Friday, July 7, 2023

The latest jobs and employment numbers were released this morning and showed what might be seen as the first visible “cracks” in the overall labor market. The June data showed that nonfarm payrolls increased 209,000 vs. Dow...

Friday, June 30, 2023

Happy Fourth of July!The housing discussion is heating up again as a focal point for many individuals. Home prices, in general, peaked exactly a year ago in June of 2022. Since then, as the Federal Reserve aggressively raised interest...

Friday, June 23, 2023

I heard a good statement on CNBC this week from one of the daily commentators; “Who is in charge of the markets right now, the BULLS or the BEARS?”. This is a fair question indeed and one that I have been thinking about for...

Friday, June 16, 2023

The Federal Reserve was back front and center this week as their latest meeting concluded with much anticipation. A pause on interest rate hikes had been expected and the Fed delivered. “Holding the target range steady at this...

Friday, June 9, 2023

It’s been a mostly quiet week on the market front with most news coverage circling around the Canadian wildfire smoke making its way down the East Coast. Thankfully we’re now through the worst of it. Here are some pictures...

Thursday, June 8, 2023

Individual Retirement Accounts, or IRAs, are valuable alternatives or supplements to 401k or 403b workplace retirement plans. Anyone who has earned income in the last year is eligible to contribute to an IRA. Currently, you can deposit...

Thursday, June 8, 2023

With the 2nd leg of the Grand Slam currently underway in France, I thought it would be a timely article to compare the similarities between tennis and financial planning. Tennis and financial planning may seem like vastly different...

Friday, June 2, 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...

Wednesday, May 31, 2023

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...

Friday, May 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...

Friday, May 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...

Friday, May 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...

Friday, May 5, 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...

Friday, April 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...

Friday, April 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...

Friday, April 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...

Thursday, April 6, 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...

Friday, March 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...

Friday, March 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...

Friday, March 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...

Friday, March 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...

Friday, March 3, 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...

Friday, February 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...

Friday, February 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...

Friday, February 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...

Friday, February 3, 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...

Friday, January 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...

Friday, January 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...

Friday, January 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...

Friday, January 6, 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...

Friday, December 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...

Thursday, December 22, 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...

Friday, December 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...

Friday, December 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...

Friday, December 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...

Friday, November 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....

Saturday, November 12, 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...

Friday, November 4, 2022

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...

Friday, October 28, 2022

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...

Wednesday, October 26, 2022

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...

Tuesday, October 25, 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...

Monday, October 17, 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....

Monday, October 10, 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...

Monday, October 3, 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...

Monday, September 26, 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...

Wednesday, September 21, 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...

Monday, September 12, 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,...

Tuesday, September 6, 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...

Tuesday, August 30, 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...

Monday, August 22, 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...

Wednesday, August 17, 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%...

Monday, August 8, 2022

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...

Monday, August 1, 2022

“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...

Monday, July 25, 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...

Monday, July 18, 2022

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...

Monday, July 11, 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...

Wednesday, July 6, 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...

Monday, June 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...

Monday, June 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...

Monday, June 13, 2022

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...

Monday, June 6, 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...

Tuesday, May 31, 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,...

Tuesday, May 24, 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...

Monday, May 16, 2022

Monday, May 9, 2022

Monday, May 2, 2022

Monday, April 25, 2022

Monday, April 18, 2022

Monday, April 11, 2022

Monday, April 4, 2022

Monday, March 28, 2022

Monday, March 21, 2022

Monday, March 14, 2022

Monday, March 7, 2022

Monday, February 28, 2022

Saturday, February 19, 2022

Tuesday, February 15, 2022

Monday, February 7, 2022

Monday, January 31, 2022

Saturday, January 22, 2022

Monday, January 17, 2022

Monday, January 10, 2022

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Thursday, December 23, 2021

Monday, December 20, 2021

Wednesday, December 15, 2021

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...

Friday, December 10, 2021

Tuesday, November 23, 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...

Tuesday, November 9, 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...

Monday, November 1, 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...

Tuesday, October 26, 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...

Monday, October 18, 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...

Monday, October 11, 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...

Monday, September 27, 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...

Monday, September 20, 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...

Monday, September 20, 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...

Monday, September 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...

Monday, September 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...

Monday, August 9, 2021

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...

Monday, July 26, 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....

Tuesday, June 1, 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...

Monday, May 17, 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...

Monday, May 10, 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...

Tuesday, April 20, 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...

Tuesday, April 13, 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...

Monday, April 5, 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...

Monday, March 15, 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...

Tuesday, March 9, 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,...

Tuesday, March 2, 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...

Monday, February 22, 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...

Monday, February 15, 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...

Monday, February 8, 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...

Thursday, February 4, 2021

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...

Monday, February 1, 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...

Monday, January 25, 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...

Monday, January 18, 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...

Tuesday, January 5, 2021

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...

Monday, December 28, 2020

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...

Monday, December 14, 2020

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...

Monday, December 7, 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...

Tuesday, December 1, 2020

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...

Wednesday, November 18, 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...

Thursday, November 12, 2020

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...

Thursday, November 5, 2020

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...

Monday, November 2, 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,...

Monday, October 26, 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...

Monday, October 19, 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...

Monday, October 5, 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...

Wednesday, September 30, 2020

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...

Friday, September 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...

Friday, September 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...

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 a financial advisor”. Many Americans feel...

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 Index having now erased...

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 by Covid, and more...

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 Mutual Funds attempt to match an individuals’ expected retirement age...

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...