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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,...

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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...