Perspectives

Explore our thought leaders’ latest insights and ideas.

Passive vs. Active Investing: Which team are you on?

Passive vs. Active Investing: Which team are you on?

The popularity of low-cost passive investment strategies has garnered significant press recently, leading many to question if active management is dead or simply doesn’t work. Underperformance of the average active investment manager has certainly added fuel to the fire, as investors search for cheaper index alternatives.
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Grande Lattes or Stocks: Why millennials are hesitant to invest

Grande Lattes or Stocks: Why millennials are hesitant to invest

Millennials are described as potentially the next “Great Generation” by William Strauss and Neil Howe, the authors who originally coined the term. But up to this point, all the millennial tweeting, snapping, posting, swiping, and selfie taking hasn’t been accompanied by much in the way of investing.
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Did you say “yes” to the ring but are unsure about combining finances?

Did you say “yes” to the ring but are unsure about combining finances?

It’s no surprise that the winter season, known for beautiful snowscapes and romantic nights by the fireplace with the one you love, is the most favored time of the year for engagements. Christmas, New Year’s Eve and Valentine’s Day are among the most popular days of the year to propose.
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Next Step Toward Adulting: Life Insurance

Next Step Toward Adulting: Life Insurance

The steps are predictable: Graduate from college, start your first job and then, with a few paychecks in the bank, start saving for retirement and make sure you have the necessary insurance to cover your other stages of life. But for millennials, the current generation of young adults and the largest generation in the U.S., the process doesn’t necessarily include life insurance coverage. A Gallup poll indicates that millennials are the least likely to be engaged with their primary insurer and a...
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‘Tis the Season of Giving: The many benefits of charitable gifting

‘Tis the Season of Giving: The many benefits of charitable gifting

With the holiday season upon us, it is time to start thinking about how you can give back in a multitude of ways that could also be beneficial to you, as the donor. Making a charitable contribution of money or time in place of traditional gift-giving can make your holiday shopping that much easier, while helping someone in need.
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Memories Over Possessions: How millennials are creating the experience economy

Memories Over Possessions: How millennials are creating the experience economy

Everyone has heard the phrase “money can’t buy you happiness,” meaning that an excess of belongings will not necessarily bring one satisfaction. But what money can buy you—and millennials are tapping into—is an “experience.” Since 1987, consumer spending on experiences and events relative to total U.S. consumer spending has increased 70%. What an experience brings that a tangible item does not is a sense of community and belonging, values that are important to the millennial generation.
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Your Best New Year’s Resolution: Peace of Mind

Your Best New Year’s Resolution: Peace of Mind

With a new year comes New Year’s resolutions, and although we start the year with good intentions, oftentimes many resolutions fall by the wayside. Some of the most common resolutions include losing weight, spending more time with family and friends, learning a new hobby and getting organized. Taking care of oneself should be at the top of everyone’s New Year’s resolution list, but for many of us we feel the need to take care of others before taking care of ourselves.
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Why breaking up is good: U.S. election may again render divided government

Why breaking up is good: U.S. election may again render divided government

With less than a month to go in the 2016 presidential election cycle, Democratic candidate Hillary Clinton remains ahead in the polls and holds at least a 7-point lead over Republican candidate Donald Trump, according to RealClearPolitics. We believe that U.S. equity markets are anticipating a Clinton victory and a split Congress, where Republicans retain control of the House of Representatives, and Democrats, in a close call, could regain control of the Senate.
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Fall Fashion Forecast

Fall Fashion Forecast

As fashion trends come and go, there are a few core elements of a timeless wardrobe that will consistently maintain their status as the epitome of vogue, whether it be that little black dress, classic navy blazer, or that favorite pair of worn Levi’s. Just as these items have remained reliable and constant over the years, so too have dividend paying stocks, which can be a core element of investors’ equity portfolios. Dividends can provide a meaningful contribution to long-term equity returns, ...
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Equal or Fair? The Art of Wealth Distribution

Equal or Fair? The Art of Wealth Distribution

In today’s society there is no such thing as simple, especially when it comes to families. Complicated family structures are becoming more prevalent, with a decline in the so-called “traditional family.” According to Pew Research, only 46% of children are living with two married parents in their first marriage, compared with 73% in 1960; one in six children are living in blended families (Parenting in America, Dec. 2015). With these newer unique family structures, come questions and complexit...
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