Dear Spartan Client, "Success is a lousy teacher. It seduces smart people into thinking that they can’t lose.” –Bill Gates As we begin transitioning to a post-COVID world, optimism and confidence about the future run high. This is indeed a great thing for families,...

Dear Spartan Client, "There is only one thing worse than being talked about, and that is not being talked about." –Oscar Wilde Few would argue against the fact that we live at a time in history where noise, both its volume and saturation, is widespread. So, when a...

Dear Spartan Client, "Based on my own personal experience – both as an investor in recent years and an expert witness in years past – rarely do more than three or four variables really count. Everything else is noise.” – Marty Whitman   The quote above is valuable to...

Dear Spartan Client, During this season of gratitude and new beginnings, we wanted to sincerely thank each of you for what you mean to us, personally and professionally. This holiday season continues to be unlike most, perhaps different than any other we have...

By now, you’ve seen countless articles and heard numerous soundbites about the coronavirus (COVID-19) and its impacts thus far around the globe; there is a growing, but limited number of cases in the United States. Whether you are fearful about the impact this virus...

I received this panicked email from a client just the other day: “I was looking at our 529 and didn’t realize they are subject to gift tax. We have now put over $32,000 into one child’s account for the year and everything over $15,000 will be taxed at our tax rate. Is...

Congratulations! You can win the Mega Millions Jackpot tonight! Currently, the jackpot sits around $1.6 billion (that number is likely to increase as some estimates have lottery ticket purchases to exceed 1 billion by tonight’s drawing!). That is $1,600,000,000. Or...

As I write this post, we have just celebrated the longest bull run in the history of the stock market. Since March 9, 2009 the S&P 500 has increased a whopping 275% (+/-), helping to alleviate some of the fears that we felt while watching the market descend for 17...

The amount of information available about the financial services industry can be overwhelming. Adding to the confusion is the term “advisor” or… “adviser.” Our industry can’t even agree on how to spell the word! I won’t bore you with the explanation of the different...

As more companies suspend and eliminate their pension plan, employees are faced with the decision of what to do with it. For those fortunate enough to still have a pension (whether it is a defined benefit or cash balance plan) upon retiring or separating of service...