If there’s one universal truth in investing, it’s this: nobody actually knows what’s going to happen next. That doesn’t stop Wall Street, the media, or your neighbor with the new day-trading setup from trying. In our view, it’s a whole lot of “6-7,” as the kids are saying these days. In reality, financial markets have a…

Right now it feels like this year we’ve been living in a financial version of “La La Land.” Even the historically seasonal instability of September and October failed to materialize. Like the part in a movie where everything seems fine, even as the ominous soundtrack is shifting, are we in a dreamlike uptrend while potential…

Given the significant moves unfolding in markets, Refined Retirement has heard important questions about what this means for client portfolios. Please continue to reach out to us with any questions and concerns, but we also want to recap some of the more frequent questions – and their answers – in the hopes it is helpful…

What are the odds you would forget about $1 million? Nonsense, you might say. What kind of person would forget about any amount of money, let alone that sum? Well, before one rushes to judgement, consider this article about so-called forgotten 401(k) retirement accounts. How to Find Forgotten 401(k) Retirement Accounts When a worker changes…

In many areas of life, stories are king: sales, marketing, children’s bedtime routines, and raucous dinner parties. And analogies, in particular, can be a powerful ingredient of good stories. I recently discovered perhaps one of the best analogies that might help explain how trend following may assist investors. The Analogy: GPS & Trend Following One…