Time to Refinance Your Mortgage?

Mortgage refinancing is a topic that is coming up in almost every client meeting these days. Mortgage rates are dramatically lower than they were even 6 months ago. Not to mention mid to late 2018, when rates were at 4.5%-5.0% for well-qualified buyers (unfortunately, this was right when my wife and I bought our first home).

Is There Another Tech Bubble Bursting?

I could certainly be wrong, but I don't think there is a "Tech Bubble" nor is it bursting. The stock market has hit a serious rough patch with high-flying tech stocks facing pressure over the last few days. This is the first period of major volatility after the bear market crash earlier this year.

September 4, 2020 Weekly Market Recap

The market's August momentum bled into September to start the week, as the S&P 500 notched its 22nd record close of the year, but profit taking in the mega-caps and growth stocks ultimately took the major indices sharply lower by week's end.

August 28, 2020 Weekly Market Recap

This was the fifth straight weekly gain for the S&P 500 and Nasdaq Composite, which ended the week higher by 3.3% and 3.4%, respectively. Both set new record highs while the Dow Jones Industrial Average turned positive for the year with a 2.6% gain. The Russell 2000 increased 1.7%.

The Real Lesson of 2020: Fortitude

As long-term investors we understand that financial markets can behave unpredictably over the course of days, weeks and months. How an investor reacts to this short-term uncertainty can play a significant role in whether they achieve their financial objectives.

August 21, 2020 Weekly Market Recap

The S&P 500 added 0.7% this week while the Nasdaq continued its show of strength, rallying 2.7%. The Dow underperformed, ending the week unchanged.

5 Stocks To Rule Them All

Yes, the title and image are a corny reference to Lord of the Rings. So, despite the majority (about two-thirds) of the companies in the S&P 500 producing negative returns in 2020, the index overall has a positive year-to-date return. This is due, in part, to its top five holdings: Apple, Microsoft, Amazon, Alphabet, and Facebook.

Reminder: No RMDs This Year

Earlier this summer, the IRS made the announcement that they are waiving Required Minimum Distributions (RMDs) for retirement accounts in 2020. IRS Notice 2020-51 outlines the relief granted to retirement account owners, as part of an extension to the CARES Act.

HBJ Top Wealth Management Firm 2020

The Houston Business Journal has ranked Financial Synergies Wealth Advisors as a top wealth management firm in Houston for 2020. This is our fifth time being selected for this elite list of wealth managers in Houston.

Job Trends Matter More Than Scary Headlines

The loss of jobs is the main challenge of any economic downturn and the current recession is no exception. Even once businesses re-open, the economic recovery will struggle if workers aren't called back to factories and stores. Without steady paychecks, consumers will be hesitant to spend which further harms business profitability and hiring.

August 7, 2020 Weekly Market Recap

It was a strong week for stocks, as the S&P 500 closed higher in every session for a 2.5% weekly gain. The Russell 2000 rose 6.0%, the Dow Jones Industrial Average rose 3.8%, and the Nasdaq Composite rose 2.5%.

Worst GDP Decline in History

As August begins, the economic recovery is sending mixed signals. This is primarily due to the accelerating number of COVID-19 cases in many parts of the country which has sparked increased restrictions by governments and businesses. This means that many of the economic numbers will vary from region to region, following the overall trends of the disease.

Financial Synergies Named to 2020 Financial Times Top Financial Advisers

August 2, 2020 – Financial Synergies Wealth Advisors is pleased to announce we have been named to the 2020 edition of the Financial Times 300 Top Registered Investment Advisers! The list recognizes top independent RIA firms from across the U.S. This is our 5th time being selected for this elite list.

Cash Is Comfortable, But Can Be Counterproductive

With all of the market-moving events of the past few years - from the global pandemic to trade wars and more - it's understandable that some investors may prefer the safety of cash. After all, a great deal of investing is behavioral and requires being comfortable with a certain level of risk. Portfolios returns are important but so is being able to sleep well at night.

July 24, 2020 Weekly Market Recap

The week started with a mega-cap rally that powered the Nasdaq Composite to new heights, but the rest of the week saw money flow out of these mega-cap stocks following earnings. The Nasdaq ended the week down 1.3% for its second straight weekly decline, followed by modest losses in the Dow Jones Industrial Average (-0.8%), S&P 500 (-0.3%), and Russell 2000 (-0.4%).

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Time to Refinance Your Mortgage?

Is There Another Tech Bubble Bursting?

September 4, 2020 Weekly Market Recap

August 28, 2020 Weekly Market Recap

The Real Lesson of 2020: Fortitude

August 21, 2020 Weekly Market Recap

5 Stocks To Rule Them All

Reminder: No RMDs This Year

HBJ Top Wealth Management Firm 2020

Job Trends Matter More Than Scary Headlines

August 7, 2020 Weekly Market Recap

Worst GDP Decline in History

Financial Synergies Named to 2020 Financial Times Top Financial Advisers

Cash Is Comfortable, But Can Be Counterproductive

July 24, 2020 Weekly Market Recap

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