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Fee-Only Financial Planning Services in Quincy, MA

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Investing

March 28, 2022 by Michelle Morris

When You Think About Investing, Don’t Think About The News

Today’s newsletter features a great article in the NYT by financial columnist Jeff Sommer. The news and images coming out of Ukraine are horrifying and my heart aches for the millions impacted by Russia’s aggression.  It is difficult to imagine what they are going through. The article begins: The worse the news, the less you should think about it. No, that's not a good guide to life. but shutting out the din of current events is a reasonable approach when investing. Sommer speaks with Richard Thaler, a Nobel Prize winning economist who pioneered the study of behavioral economics. Follow the news, of course, and let your emotions flow. But don't let them affect …

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January 7, 2022 by Michelle Morris

A Stock Market Peak is not a Cliff

I ignore a lot of financial journalism.  Much of it is noisy clickbait and not relevant to the long-term goal-focused investor. In fact some have dubbed it “financial porn”. But this headline, dated December 10th, 2021 from Marketwatch caught my eye: The S&P 500 is an index (group) of stocks that includes 500 of the most valuable companies in the United States.  This index includes companies nearly everyone has heard of such as Amazon, Google, Microsoft, Facebook, Home Depot, and Tesla.  Except for Tesla I’ve used each of these company’s products and you probably have too. The index went on to notch a total of 70 record closes in …

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October 21, 2021 by Michelle Morris

Three Years Later – Micro Investing with Acorns

Three years ago, I wrote about my lifelong passion (some would say obsession) for spare change. This dates back to counting the spare change and “egg money” in my grandmother’s chipped gravy boat in the 70’s. Today, this is the spare change stash in my office: But here in the 21st century, especially during a pandemic, I don’t have a lot of cash transactions, and therefore not a lot of physical spare change. Enter the micro investing app Acorns* which invests your digital spare change. Three years ago, I signed up for Acorns and linked my checking account. The checking account is my “funding source”. Then I linked my credit card. You can link more than one …

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September 24, 2021 by Michelle Morris

Inflation-linked Savings Bonds – High yield, Low risk!

Like many of my clients, you may have a dusty pile of paper savings bonds lying around somewhere.  Maybe they belong to you or your children.   Odds are they were gifts from an older relative.  Most likely they are EE bonds, which have their charms.** However, the savings bond I want to talk about today is the I bond.  Jason Zweig of the WSJ recently called I bonds “the best-kept secret in America”. I bonds were introduced in 1998.  The “I” stands for inflation, which has been heating up recently. The variable inflation rate you earn on I bonds is adjusted every 6 months in May and November based on inflation as measured by the Consumer Price …

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January 21, 2021 by Michelle Morris

What can we learn from the stock market in 2020?

We just finished one of the most tumultuous years in modern history. A global pandemic. Widespread civil unrest tied to policing and racial justice. A disputed presidential election marked by hyper-partisanship. Despite these challenges, the year demonstrated resilience of people, institutions, and financial markets. The 2020 global stock market with selected headlines*. (Click the graph to enlarge)Investors saw sharp swings in the stock market. The decline early in the year was sharp and swift. But despite a sequence of epic events and continued concerns over the pandemic, global stock market returns in 2020 were above their historical norm.What are some …

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From The Blog

  • Have You Ever Really Looked At Your W-2 Form?
  • When You Think About Investing, Don’t Think About The News
  • A Stock Market Peak is not a Cliff
  • Give to Charity and get a Small Tax Break – even if you don’t itemize!

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From the Blog

  • Have You Ever Really Looked At Your W-2 Form?
  • When You Think About Investing, Don’t Think About The News
  • A Stock Market Peak is not a Cliff

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Investment advisory products and services are offered through advisory representatives of BRIO Financial Planning, an investment advisor registered with the Commonwealth of Massachusetts.

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Contact Us

Michelle Morris, CFP® EA
BRIO Financial Planning
1073 Hancock St. #101
Quincy, MA 02169

michelle@briofp.com
617-934-0419 (phone)
617-934-1933 (fax)

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