While trading commissions have largely disappeared, many investment costs remain. In this article, Vincent Visconti, Portfolio Operations Manager at Howe & Rusling, breaks down expense ratios, trading costs, and custodian fees to help investors better understand what they may be paying—and why awareness matters.
Oil, AI, and government debt may seem like separate economic stories, but they are increasingly connected through the bond market. Michael Carrico, CFP®, CRPC® explores how energy disruptions, inflation, AI infrastructure spending, and rising government borrowing can influence interest rates and what these dynamics may mean for investors.
Saving for children and grandchildren goes beyond college tuition. This article explores key savings options—from 529 plans to the new Trump Accounts—and how a layered, flexible approach may help families plan confidently for an uncertain future. Written by Elizabeth Koch, Senior Marketing Manager, with insights from Howe & Rusling advisors.
A Power of Attorney allows a trusted individual to act on your behalf if needed—but not all Powers of Attorney are the same. In this article, Jordyn Adams, Client Service Manager at Howe & Rusling, explains the different types of Powers of Attorney, how they work, and why having the right structure in place can help reduce stress and complexity for you and your loved ones.
Market movements can cause portfolios to drift away from their intended allocation over time. In this article, Brett Boyer, CFA, Vice President and Senior Equity Analyst at Howe & Rusling, explains portfolio rebalancing, why it matters, and how a disciplined approach may help manage risk and investor behavior over the long term.
Concentrated stock positions often reflect success, but they can also introduce meaningful financial risk. In this article, Matthew Gjevre, Financial Planner at Howe & Rusling, explores why concentrated holdings deserve careful review and discusses planning strategies that may help investors balance diversification, taxes, and long‑term goals.
A historical look at how early financial instability led to the creation of the NYSE and modern capital markets.
In this article, Nancy Sutton, Senior Client Service Manager, explains how consolidating financial accounts could help simplify portfolio oversight, reduce administrative complexity, and improve overall visibility into your financial picture.
She discusses potential benefits related to portfolio management, cybersecurity considerations, estate organization, and fee awareness—while noting that consolidation should be an intentional decision based on individual circumstances.
Charitable giving can be both deeply meaningful and strategically planned. Donor advised funds (DAFs) offer a flexible way to support the causes you care about while potentially reducing your tax burden — particularly in high-income years or after liquidity events. In this article, Mary Grace Graniero, CPA, CFP®, explains how DAFs work, when they may be most effective, and how they can fit into a comprehensive tax and estate strategy.
In this article, Michael Carrico, CFP®, CRPC®, Wealth Manager, explores the relationship between portfolio construction and investor behavior in shaping long-term investment outcomes.
Drawing on academic research and behavioral finance insights, the article examines asset allocation, investment selection, market timing challenges, and the “behavior gap” between investment returns and investor returns. It also outlines practical tools—such as investment policy statements and automation—that may support disciplined decision-making over time.
