In six of the past seven years, the S&P 500 has delivered double-digit returns. That kind of consistency speaks to the power of long-term investing, even in the face of frequent uncertainty. What made last year especially notable is that returns were not limited to...
It has been nearly three years since the arrival of OpenAI’s ChatGPT-3.5, marking generative AI’s watershed moment. Suddenly, algorithms could produce text, computer code and images comparable to human output—and an AI investment boom was underway. Fast-forward to today, when suddenly, nobody writes their own...
The final weeks of the year tend to blur together in a whirlwind of pie orders, last-minute shopping, school concerts, and cross-country flights. But amid the bustle, it’s worth pausing to take stock of your financial picture. A few thoughtful steps now can help you...
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...
Inheritances come in all shapes and sizes, whether an heirloom left to you by a loved one or a life-changing financial windfall. Regardless of the form it takes, figuring out what to do next can be a crucial question. This is especially true with inherited...
Watching your child earn a college diploma is a proud moment for any parent. It also marks another great moment: No more tuition bills! But after all the saving and planning you’ve done, what if there’s still money left over in your child’s 529 plan?...
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...