2025

The American dream of home ownership might be fading. For decades, the government has tracked the difference between renting and owning. The Federal government recently published its latest home affordability index, which measures the cost of home ownership versus renting.…

Daytime soap operas have not been the same since “Days of Our Lives.” Known for its controversial subjects, it aired from 1965 to 2022. Today’s political news cycle continues to be a running soap opera of sorts.  Wave after wave…

So far, 2025 has been a year of surprises from Washington. Among the changes have been headcount reductions in the federal government, including a 43% workforce reduction in the Small Business Administration (SBA) driven by the cost cutting efforts of…

Good fortune comes in all forms. Warren Buffett is fond of mentioning his good fortune to be born in the USA. He has also experienced the good fortune of lucid longevity, despite what strikes me as ill-advised dietary habits, including…

I was cheered recently when a client referenced the deleterious effect negative returns have on wealth accumulation. He pointed out that a 25% loss requires a 33.3% gain to get back to flat. Steep losses are a killer when it…

Interest rates are currently hovering near their highest point in years. Most headlines focus on the resulting challenges such as more expensive debt. But there is a silver lining we shouldn’t overlook – elevated interest rates create opportunities for estate…

As many of you know, I listen attentively to every word from the Oracle of Omaha. Most recently, at age 94, he held court at the AGM of Berkshire Hathaway, his last as CEO of the company he built. I…

Earlier this month, I had a brief layover in Orlando. As you can expect, throughout the airport, banners and signs invite tourists to visit the main attractions – the theme parks. The always-familiar Disney and Universal Studios capture the majority…

This year, while sitting around the kitchen table with family dyeing eggs as part of our Easter Sunday tradition, the recent spike in egg prices naturally came up in discussion. Several members of my family made quips about how the…

Every year, Nicholas Hoffman & Co. hosts a firmwide bracket competition for the NCAA March Madness tournament. As someone who knows very little about college basketball, I usually make my picks based on rankings and whether I like the team…