Articles Archives | Howe & Rusling

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Predicting the Unpredictable: Market Insights for Long-Term Investors

Craig Cairns January 3, 2025

When reflecting on the year just past, I thought I would go back and check on the market predictions from the end of 2023. Where did the smart people think we would end up at the end of 2024 and what were the boldest predictions that did not come true? One phenomenon I have noticed over the many years I have done this is that most short-term predictions are wrong. And there is usually no consequence for getting the predictions wrong no matter how bold—no jobs are lost and, in fact, the predictions that are wrong are mostly forgotten. However, the upside to making a bold prediction and being right is immense.

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Howe & Rusling’s Best Reads of 2024: Our Team’s Top Recommendations

Howe & Rusling Team December 27, 2024

As 2024 comes to a close, our team at Howe & Rusling is excited to share the books that left a lasting impression on us this year. From gripping novels to thought-provoking non-fiction, these selections showcase the diverse interests and passions of our team. Whether you’re seeking an adventurous escape, a hearty laugh, or a profound exploration of the human experience, there’s something here for everyone. Prepare to make space on your bookshelf!

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Lessons on Dying from Warren Buffett

Dylan Potter December 20, 2024

Warren Buffett often says that he wants to be remembered as a teacher. “That would be very flattering, I would feel, if that was on my tombstone,” he said in an interview in 2018. He is the world’s greatest investor, but he has the uncanny ability to break things down in such a way that they can be understood in the living rooms of ordinary Americans. Like my colleague Sarah Swan wrote last week, his wisdom is timeless. At age 94, Buffett recently shared his strategy for how to pass wealth on to the next generation while minimizing family conflicts. His advice is applicable, he says, even if you aren’t a billionaire like he is.

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Investment and Life Lessons from the Greats: Buffett, Munger, and Berkshire

Sarah Swan December 13, 2024

I set a goal for myself to read more in 2024. This felt equal parts lofty (where will I find the time?!) and obvious (perhaps less doomsday scrolling, and online shopping would serve me well). I had never been a big reader before, and I wasn’t proud of that. This year, though, something was unlocked for me—admittedly, and embarrassingly, many years overdue. I gave myself permission to drop anything that wasn’t thrilling to me, and I figured out what I love to read. The result? Twenty-nine completed titles in 2024, and eight dropped titles. Life is, in my opinion, too short to suffer through books I don’t like.

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Understanding the SECURE Act Inherited IRA Rules

Elizabeth Hutton November 22, 2024

This legislation significantly reshaped retirement savings laws, particularly concerning how distributions are managed for beneficiaries of retirement accounts inherited in 2020 or later, especially non-spousal ones. The new rules, effective in 2025, address longstanding questions about the interpretation of the 10-year rule, which mandates that most retirement plan and IRA beneficiaries must fully deplete the inherited account within ten years of the account holder’s death. These regulations impact beneficiaries and their strategies for managing inherited retirement accounts. Here’s a detailed look at the finalized RMD regulations for inherited retirement plans and IRAs. This piece is only applicable to accounts inherited

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How Political Change Impacts Markets (and Why It Doesn’t Define Your Portfolio)

Howe & Rusling Team November 15, 2024

We manage money for hundreds of families, and to say that these individuals span the full political spectrum is not an exaggeration. We are proud of this fact, and we’re proud that our own employees offer diversity of thought as well. Our job as financial advisors is to know our clients, meet them where they are, and do our part in helping them to be better off financially tomorrow than they were yesterday, proverbially speaking, in accordance with their unique and personal goals.

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Things I’ve Learned

Dylan Potter November 1, 2024

I have a habit of jotting down the lessons I’ve learned along the way, and while they might not always be captivating to others, I find them valuable. I think this habit goes back to my time in the Army, where we carried small, hardcover green notebooks in our cargo pockets. These “green notebooks” became repositories for countless notes, lessons learned, mission plans, and guidance. In fact, carrying a green notebook and a pen was an unspoken expectation for every leader—always ready to capture the insights of the moment.

Money is Weird: The Psychological Side of Our Financial Choices

Sarah Swan October 18, 2024

What I shouldn’t do as a financial advisor is wax poetic about the ways a person should spend their money. We give a lot of informed advice as advisors, and much of that advice is centered around data and modeling and educated extrapolating about a person’s specific circumstances, but one thing that’s less straightforward is advice about how people should spend their hard-earned money. Money is so personal.

Overhead view of cargo ship on ocean heading west piled high with brightly colored shipping containers

From Dockworkers’ Strikes to Missile Strikes: Unpacking Economic Risks for Inflation and Rate Cuts

Michael Carrico October 4, 2024

Explore the economic risks of the recent U.S. dockworkers’ strike and Iranian missile strike on Israel. Learn how these events may impact inflation, interest rates, and the Federal Reserve’s future actions.

American Flag waving in the wind behind a boat

Don’t Bet Against America, We’ll be Okay

Dylan Potter September 27, 2024

We are at the time of the cycle where talk turns to the election. If this update is too long, we have a simple message: regardless of who wins the election, don’t bet against America, we’ll be okay.

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