Kara Smith

Keeping It Simple

Keeping It Simple

The original idea behind the mutual fund was a basic one—allow investors to build and access a diversified portfolio without high trading costs. Now, almost 100 years later, there are over 10,000 mutual funds and ETFs available in the U.S. that span almost all asset...

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A Focus on Difficult Questions

A Focus on Difficult Questions

The Federal Reserve just raised interest rates again. Inflation is on the rise. The unemployment rate remains low despite a recent wave of corporate layoffs. What does it all mean? That is the quintessential investor question, and it is a difficult one to answer. The...

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Saved Too Much in a 529 Plan? A New Solution is On the Way!

Saved Too Much in a 529 Plan? A New Solution is On the Way!

In December 2022, President Biden signed into law SECURE 2.0 which contains a variety of changes to help strengthen the nation’s retirement programs. One of the provisions in the new law permits a 529 Plan account beneficiary to roll unused dollars from a 529 Plan...

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A Matter of Perspective

A Matter of Perspective

The shortest day of the year is near. For some, the winter solstice is that day each year when the Earth’s northern hemisphere leans farthest from the sun, offers a mere 9.5 hours of daylight, and when, quite often, we first encounter those frigid winter temperatures....

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