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Issue: #166 | January 2026 |
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“What some people mistake for the high cost of living is really the cost of high living.”
―Doug Larson |
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Greetings,
I hope you had a good slide into the New Year! This issue is jam-packed and I would like to bring your attention to three important items below:
- Nick's Client's Corner
- My 2025 Year-End Client Letter
- The updated 2026 IRA Contribution Limis
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The Quiet Strength of Dividends |
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MICHAEL'S 2025 YEAR-END CLIENT LETTER |
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My 2025 Year-End Client Letter to you is divided into two parts. First is a brief recap of our shared investment philosophy; second is my perspective on the current market. |
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Remember that you have until April 15th 2026 to contribute to your Roth or Traditional IRAs for 2025. If you would like to do so, please reply to this email and I'll help you. |
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Stop Acting Rich
by Thomas Stanley
How the less affluent have fallen into the elite luxury brand trap that keeps them from acquiring wealth and details how to get out of it by emulating the working rich as opposed to the super elite."
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How analysts think about banks: AI, regulation and the consumer |
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Youtube - December 18, 2025 - 35 minutes |
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Navigating the banking sector is no simple feat, especially amid AI-driven disruption and evolving regulations. For the past eight years at Capital Group, equity analyst Matt Antle has embraced this challenge with gusto and a disciplined, three-pronged approach: analyzing financial metrics and ratios, drawing on qualitative insights, and incorporating macroeconomic trends. |
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December 24, 2025
31 minutes |
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Capital Group economist Jared Franz explores whether artificial intelligence will take our jobs. He shares insights on which roles are most vulnerable, why companies may favor experienced hires, and how AI could reshape economic growth and labor markets in the coming years. The conversation also touches on policy responses, universal basic income, and strategies for individuals to future-proof their careers. |
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What is the best description of Rebalancing? |
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- Selling expensive shares to buy cheap ones on a fixed schedule.
- Sell cheap shares to buy rising ones.
- Re-allocating bonds vs equities.
- Re-allocating domestic vs international.
- Re-allocating mutual funds into variable annuities.
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Answer = #1. Selling expensive shares to buy cheap ones on a fixed schedule.
Note: the American Funds Portfolio Series, which includes the Growth Portfolio and the Tax-Aware Portfolio (which many of you are invested in), re-balances automatically every quarter. And the Jackson Variable Annuity is set-up to re-balance every months automatically,
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MONEY MEMES AND A LITTLE HUMOR |
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With over 36 years in the industry, I’ve cultivated a broad network of professionals. If you need guidance on estate planning, taxes, bookkeeping, mortgages, real estate, reverse mortgages, notary services, health or car insurance, or even traffic violations, I'd be happy to introduce you to an expert.
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Michael Paulding Thomas
Financial Advisor, Registered Representative, Securities Principal. Series 6, 26, 63, 65, Life
Since 1989 I’ve been helping families make smart choices about building a guaranteed income during retirement.
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Retirement Planning • IRAs • 401k's • Rollovers • Mutual Funds • Variable Annuities • College Planning • Term Life Insurance • Living Trusts |
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