If you’re just starting to think about your financial future, the world of retirement savings can feel overwhelming. There are so many acronyms and account types: 401(k)s, IRAs, HSAs… the list goes on. One term you might come across is “Roth IRA.”
Artificial intelligence is reshaping markets—and raising familiar questions about speculation, valuation, and risk. In this thoughtful analysis, Howe & Rusling President Craig Cairns examines today’s AI enthusiasm through the lens of past market bubbles, Federal Reserve policy, valuations, and debt. The result is a grounded perspective on what feels different this time, what risks deserve attention, and why disciplined, long-term investing still matters.
Discover the Howe & Rusling team’s favorite books and podcasts of 2025—from thought-provoking market commentary to insightful stories on leadership, purpose, and personal growth. Explore what shaped our thinking this year and may inspire your own learning journey.
Gold has been a symbol of wealth, power, and stability for millennia. Mark Thompson, CFA, Senior Equity Analyst at Howe and Rusling takes a closer look at gold’s unique role through both a historical and financial lens. From its ancient origins to its place in modern markets, he examines global demand trends, central bank activity, and how gold interacts with other asset classes. Understanding these dynamics helps clarify when—and why—gold may serve a purpose in a diversified investment strategy.
We’re honored to be featured in Financial Planning’s latest article: “The Oldest RIAs Are 85. How Did They Become a $144T Industry?” by Chief Correspondent, Tobias Salinger. As the article notes, Howe & Rusling is proud to be recognized for our 85-year legacy of fiduciary care and client-first values as the oldest independent RIA focused on retail wealth management in the country. In 1941 Winthrop Howe and Lee Rusling registered with the SEC — in part because they believed in doing what’s right. That belief still guides us today.
Saving and investing can feel overwhelming when life gets busy. Automatic savings and investing strategies are a couple of ways that may help simplify the process, promote consistency, and support long-term wealth building— in an effort to help reduce stress about daily money management.
Why do losses often feel more painful than gains feel rewarding? It’s called negativity bias—and it can influence how we view markets, decisions, and even our memories. In our newest article, Jordan Eich, CFP®, reflects on how investor psychology shapes our experience and why recognizing the goodness of now may be more important than ever.
What should you do if an inflation refund check arrives for a deceased loved one? Mary Grace Graniero, CPA, CFP®, Financial Planner at Howe & Rusling, offers helpful insights in a recent WROC news feature. Watch the video for how to navigate this situation with care.
The government has reopened, but the clock is ticking. With only a short-term funding bill in place, Congress faces another deadline in January. Dive into our latest post for a timeline of the shutdown, its impact on Americans, and what might come next—just in time for the Super Bowl.
Pros: Cons: Zero commission online trading fits the current and evolving landscape of the world, economy, and financial industry. Additionally, fair, quick and affordable access to data, information, and opportunity to participate in markets will continue to be asked for and expected by investors. Although caution is warned, (and certainly warranted in cases) the democratization of trading through decreased commission and fees has made trading and investing more accessible to people from different demographics and economic statuses. Sources: Investing costs fall again: Fidelity, Schwab cut commissions | AP News Charles Schwab is eliminating online commissions for trading in US stocks and ETFs Fidelity cuts fees to $0 as it jumps on zero-commission bandwagon | The WealthAdvisor Trading fees on
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