In today’s world, it’s harder than ever to know which financial “news” you can truly rely on. Between social media, 24-hour news channels, podcasters, and opinion-driven talk shows, it can feel like everyone has a microphone—and very few have real data. As investors, this matters. The...
You’ve probably noticed that insurance premiums are on the rise. And fast. While auto insurance and health care plans have seen upticks, one of the most dramatic spikes has been in homeowners premiums, especially in areas vulnerable to natural disaster. Wildfires, hurricanes, and other major...
As individuals approach the culmination of their careers, concerns about financial stability and lifestyle transitions often come to the forefront. The journey of Evelyn and Thomas showcases the thoughtful preparation and sacrifices required to transition from demanding professional lives to a fulfilling retirement. Their meticulous...
Understanding why we behave the way we do with money is the first step toward transforming our relationship with it. In part one of this series, we explored the concept of money scripts the unconscious beliefs about money that shape our financial decisions. And we...
This past month has been a rollercoaster for stocks and if you’re starting to feel the pain, you're not alone. Let’s make some sense of what’s going on. Watch as a video instead: https://youtu.be/_nC3e83HZH4 We have experienced pullbacks in all major market indices, and large corrections...
Remote Access Scam – Jane Doe lost $10K Summary: A Gemmer client fell victim to fraud after responding to a text message from a bad actor posing as a representative of their financial institution and then granted the bad actor remote access to her computer. The...
The Social Security Fairness Act, signed into law in January 2025, removes two rules that previously reduced Social Security benefits for certain government workers. These rules were called the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). Who was affected by these rules? Government employees like...
When it comes to our finances, we’re only human. We make good decisions and sometimes, not-so-good decisions. Behavioral biases play a big role in our savings, spending and investing decisions. But there’s another reason behind some of the financial decisions we make: It’s how we...
In today’s world of personal finance advice, it's not uncommon to hear financial influencers, bloggers, and gurus encouraging everyone to pay off their mortgage as quickly as possible. The mantra of “debt is bad” is often preached, with many financial personalities touting the peace of...
Market Update: Third Quarter 2024 Well, it finally happened. After months of will-they-or-won’t-they speculation, the Federal Reserve cut interest rates in September. And it was a relatively big one: The half-percentage-point decrease was the biggest the Fed has made since its emergency rate reductions in March...