Tenth Avenue Freeze OutBruce SpringsteenTenth Avenue Freeze-Out I’m gonna sit back right easy and laugh / When Scooter and the Big Man bust this city in half / With the Tenth Avenue freeze-out January is often considered the bellwether month for the U.S. stock market....
Economic Deck In this quarterly review, Brian Collins, Chief Investment Officer at HUB Retirement & Private Wealth (HUB RPW), breaks down Q4 2025 performance and looks ahead to what 2026 may bring. Key Highlights: Strong finish to 2025: U.S. and international...
HUB Retirement & Private Wealth recently hosted its 2026 Investment Roundtable, a gathering of senior investment professionals from American Century Investments®, Apollo Global Management, and DWS Investment Management. During the Roundtable, the...
Don’t StopFleetwood MacDon’t Stop Don’t stop thinking about tomorrow / Don’t stop, it’ll soon be here December is often a difficult month for many people as they juggle the often-unrealistic expectations of the impending holiday season, the challenges of meeting...
On January 3, 2026, the United States executed Operation Absolute Resolve, a large-scale military strike on Venezuela that resulted in the capture of President Nicolás Maduro and his wife, Cilia Flores. The operation involved more than 150 aircraft launching from...
Defying GravityWritten by Stephen Schwartz (2003)Defying Gravity Movie sequels often carry lofty expectations based on the success of the original. Fans are enthusiastic to find out how the story continues, who the next villain may be, or what unusual predicament the...
Mark Tremonti and Scott Stapp (1999) Higher The end of October is an interesting time for many. Those who love the fall season are drawn to the changing colors and crispness of the autumn air. For others, it is a time of transition towards winter and an awareness that...
At This Rate.. As we reflect on the latest quarter, one central theme emerges: investors are cautiously optimistic, yet still navigating an environment shaped by interest rate uncertainty and shifting economic data. The Federal Reserve’s decision to pause rates while...
Good TimeNiko Moon We just tryna catch a good time /Even if it takes all night With Labor Day falling on September 1st this year, it seems like Summer 2025 was shorter than it should be. Yes it was the same number of days as always, but it just seems shorter. Maybe it...
Why Naming a Beneficiary Matters Designating someone as your beneficiary ensures your assets go where you intend them to in the event of your death. It’s one of the most important steps in protecting your loved ones and preserving your legacy. The Benefits of Naming a...
Debt Management: Understanding How to Handle Debt Effectively Debt is an unavoidable reality for many people, whether it’s student loans, mortgages, auto loans, or credit card balances. While debt often carries a negative connotation, not all debt is inherently...
¿Qué es un fondo con fecha objetivo? Un fondo con fecha objetivo es un portafolio de inversión diseñado específicamente para ajustarse a medida que envejeces, facilitando la planificación para la jubilación. Estos fondos son populares en los planes de jubilación...
What Is a Target Date Fund? A target date fund is an investment portfolio specifically designed to adjust as you age, making it easier to plan for retirement. These funds are popular in retirement plans because they are structured to automatically reduce risk as your...
Retirement: Dreams vs. Reality While many envision retirement as a time to relax on a beach or travel the world, the reality can be more complicated. Retirees often face financial risks that can jeopardize their long-term security. The five most common retirement...
Increasing the Amount, You Contribute Contributing more to your employer’s retirement plan will lower your take-home pay—but maybe not by as much as you think. The actual impact depends on whether you’re making pre-tax or Roth contributions. Understanding Pre-Tax...
Elaborar un Presupuesto Establecer un presupuesto para tus objetivos puede reducir el estrés de manejar tu dinero y darte confianza al planear tu futuro financiero. Un presupuesto no se trata solo de cubrir tus gastos; también puede incluir metas divertidas como...
Making a Budget Setting a budget for your goals can reduce the stress of managing your money and give you confidence in planning your financial future. A budget isn’t just about covering your bills; it can also include fun goals like vacations or a new car. And it...
Una Herramienta Poderosa Pero Pasada por Alto Existen varios tipos de cuentas de ahorro con ventajas fiscales diseñadas para ayudarte a prepararte para la jubilación. Aunque muchas personas están familiarizadas con opciones como los planes 401(k) y las cuentas IRA,...
A Powerful Yet Overlooked Tool There are several types of tax-advantaged savings accounts designed to help you prepare for retirement. While many people are familiar with options like 401(k)s and IRAs, one that is often overlooked is the Health Savings Account, or...
Jubilación: Sueños vs. Realidad Aunque muchos imaginan la jubilación como una época para relajarse en la playa o viajar por el mundo, la realidad puede ser más complicada. Los jubilados a menudo enfrentan riesgos financieros que pueden poner en peligro su seguridad a...
¿Qué es la Inflación? La inflación es el aumento en los precios de bienes y servicios de un año a otro. Es una parte natural de una economía en crecimiento y debe esperarse con el tiempo. A medida que sube la inflación, los empleadores suelen aumentar los salarios,...
What Is Inflation? Inflation is the increase in the prices of goods and services year over year. It’s a natural part of a growing economy and should be expected over time. As inflation rises, employers often increase salaries, helping working individuals offset the...
¿Qué es el Promedio de Costos en Dólares (Dollar Cost Averaging)? El promedio de costos en dólares es una estrategia que consiste en invertir una cantidad fija de dinero de manera regular, sin importar el precio por acción de la inversión o lo que esté sucediendo en...
What Is Dollar Cost Averaging? Dollar cost averaging is the strategy of investing a fixed dollar amount on a regular basis—regardless of the investment’s share price or what’s happening in the markets. It’s a disciplined approach that can help reduce the average cost...
Social Security Basics The Social Security Retirement Benefits Program is an essential component of retirement planning. While it is not designed to fully replace your income after you stop working, it serves as a partial income replacement and offers a reliable...
Conceptos Básicos del Seguro Social El Programa de Beneficios de Jubilación del Seguro Social es un componente esencial en la planificación de la jubilación. Aunque no está diseñado para reemplazar completamente tus ingresos una vez que dejes de trabajar, sirve como...
¿Aportaciones Tradicionales o Roth: Cuál es la Mejor para Ti? Al planificar tu jubilación, una de las decisiones más importantes que tomarás es si contribuir a una cuenta Tradicional (antes de impuestos) o a una cuenta Roth (después de impuestos). Ambas ofrecen...
Traditional or Roth Deposits: Which Is Right for You? When planning for retirement, one of the most important decisions you’ll make is whether to contribute to a Traditional (pre-tax) or Roth (after-tax) account. Both offer unique tax advantages that can help grow...
Let’s Talk About Rollovers If you’re retiring or changing jobs, one of the biggest questions you may face is what to do with your old employer-sponsored retirement plan account. It’s a critical decision that can have a lasting impact on your financial future, so it’s...
¿Qué es una Cuenta de Plan de Jubilación? Una cuenta de plan de jubilación está diseñada como un vehículo de ahorro a largo plazo destinado a proporcionar ingresos después de retirarte. Idealmente, deberías evitar retirar dinero de esta cuenta mientras sigues...
What is a Retirement Plan Account? A retirement plan account is designed as a long-term savings vehicle intended to provide income after you retire. Ideally, you should avoid withdrawing money from this account while still working to ensure your savings grow over...
Employer-Sponsored Retirement Accounts vs. IRAs When it comes to saving for retirement, there are several types of tax-advantaged accounts available. Two of the most common are employer-sponsored plans—like 401(k)s or 403(b)s—and Individual Retirement Accounts (IRAs)....
¿Qué Son la Diversificación y el Rebalanceo? La diversificación y el rebalanceo son dos estrategias clave de inversión que pueden ayudarte a construir un portafolio resistente y alcanzar tus metas financieras. Cuando se usan juntas, reducen el riesgo, mejoran la...
What Are Diversification and Rebalancing? Diversification and rebalancing are two key investment strategies that can help you build a resilient portfolio and reach your financial goals. When used together, they reduce risk, improve long-term stability, and ensure your...
Por Qué Necesitas un Fondo de Emergencia La vida es impredecible, y los gastos inesperados pueden surgir en cualquier momento. Ya sea una factura médica, una reparación del auto, mantenimiento del hogar o la pérdida de empleo, estas sorpresas pueden alterar...
Why You Need an Emergency Savings Account Life is unpredictable, unexpected expenses can happen at any time. Whether it is a medical bill, car repair, home maintenance, or a job loss these surprises can quickly disrupt your financial stability. That is where an...
Por Qué Un Aumento del 1% Importa No importa qué tan cerca o lejos estés de la jubilación, aumentar tu tasa de contribución (incluso solo un 1%) puede tener un gran impacto en tus ahorros futuros. Sí, puede que tu cheque de pago se vea un poco más reducido ahora, pero...
Why A 1% Increase Matters No matter how close or far you are from retirement, increasing your contribution rate (even by just 1%) can have a big impact on your future savings. Yes, your paycheck might feel a little smaller now, but that small short-term sacrifice can...
The $1 Million Retirement Goal Many people aim to retire with $1 million in savings. It’s a round number, and for many, it represents financial security in retirement. But how much do you actually need to save each month to reach that goal? While financial advisors...
Gestión de Deuda: Cómo Manejar la Deuda de Forma Efectiva La deuda es una realidad inevitable para muchas personas, ya sea por préstamos estudiantiles, hipotecas, préstamos para automóviles o saldos de tarjetas de crédito. Aunque la deuda suele tener una connotación...
Por Qué Importa Nombrar un Beneficiario Designar a alguien como tu beneficiario asegura que tus activos vayan a donde tú deseas en caso de tu fallecimiento. Es uno de los pasos más importantes para proteger a tus seres queridos y preservar tu legado. Los Beneficios de...
Cuentas de Jubilación Patrocinadas por el Empleador vs. Cuentas IRA Cuando se trata de ahorrar para la jubilación, existen varios tipos de cuentas con ventajas fiscales disponibles. Dos de las más comunes son los planes patrocinados por el empleador—como los 401(k) o...
Comprendiendo los Tipos Básicos de Inversión Antes de invertir en el mercado de valores, es importante entender algunos principios clave de inversión. Al aprender lo básico, puedes tomar decisiones informadas y elegir inversiones que se alineen con tus objetivos, tu...
Understanding Basic Investment Types Before investing in the stock market, it’s important to understand a few key investment principles. By learning the basics, you can make informed decisions and choose investments that align with your goals, time horizon, and risk...
Aumentar la Cantidad que Contribuyes Contribuir más al plan de jubilación de tu empleador reducirá tu salario neto, pero quizás no tanto como imaginas. El impacto real depende de si estás haciendo contribuciones antes de impuestos (pre-tax) o Roth (después de...
Hablemos Sobre los Rollovers (Transferencias de Planes de Jubilación) Si estás jubilándote o cambiando de empleo, una de las decisiones más importantes que enfrentarás es qué hacer con la cuenta de jubilación patrocinada por tu empleador anterior. Es una decisión...
La Meta del Millón de Dólares para el Retiro Muchas personas aspiran a jubilarse con $1 millón en ahorros. Es una cifra redonda que, para muchos, representa seguridad financiera en el retiro. Pero, ¿cuánto necesitas realmente ahorrar cada mes para alcanzar esa meta?...
Manejo de Deuda: Cómo Gestionar la Deuda de Forma Efectiva La deuda es una realidad inevitable para muchas personas, ya sea por préstamos estudiantiles, hipotecas, préstamos para automóviles o saldos de tarjetas de crédito. Aunque a menudo tiene una connotación...
Going, Going, GoneLuke Combs Like the changing of the seasons /Good things, they come and then they go The end of July brought Lollapalooza weekend to Chicago. A four-day music festival that welcomes bands with names such as Barry Can’t Swim, Zinadelphia, and Still...
Q2 2025 was shaped by the “Tariff Two-Step”—a swift policy reversal that triggered both a market drop and a quick recovery. Despite mid-quarter uncertainty, diversified investors saw strong gains by quarter’s end. On April 2, President Trump announced sweeping...
As we review the market landscape of the second quarter of 2025, one theme remains consistent: navigating volatility through diversification. At the heart of our Q2 analysis is the continued strength of diversified portfolios composed of equities, fixed income,...
As we reflect on the market conditions in the first half of 2025, one theme is becoming more apparent: the U.S. consumer remains a powerful force—even amid declining sentiment. At the heart of our midyear review is the role of personal consumption expenditures, which...
As we look back at the first half of 2025, one thing is clear: volatility returned to markets in a big way—and diversification once again proved its worth. At the heart of this review is the rapid shift in investor sentiment caused by policy changes, geopolitical...
Good VibrationsBrian Wilson and Mike Love (1966) When Brian Wilson, the genius behind the music of the Beach Boys, passed away in June there were numerous retrospectives about his many talents, including his ability to create musical orchestrations that produced so...
Is “Everything gonna be alright”?Everything’s Gonna be Alright- David Lee Murphy and Kenny Chesney (2018) It would be naïve to think that one month of rallying US stocks would mean that markets are back on track and there is nothing to worry about. Remember that to...
Over the past decade, the composition of the S&P 500 has shifted significantly—raising important implications for investors. One of the most notable changes is the growing concentration of the index’s top 10 holdings. In 2015, the top 10 companies...
As we move through the early months of 2025, the S&P 500 has presented investors with an unfamiliar narrative compared to the strong performance seen in 2023 and 2024. After two consecutive years of returns exceeding 25%, Q1 delivered a pullback—reminding us that...
As we closed the first quarter of 2025, investors were met with a stark change in tone from the high-growth environment of the past two years. Rising volatility, shifting trade policies, and renewed concerns about recession created a market defined by uncertainty—and...
As we review the market landscape of the first quarter of 2025, one theme remains consistent: the power of diversification. At the heart of our Q1 analysis is the asset class quilt chart—a familiar tool we use to visualize the performance of various asset classes....
A New Administration Gets Down to Business January Recap and February Outlook January seemed to go on forever, as the country faced extreme weather and devastating wildfires [1]. The new administration got underway with a lot of sound and fury, particularly around...
Seems Like Old Times? December Recap and January Outlook The inauguration of only the second U.S. president to win two non-consecutive terms (Grover Cleveland was the first) is historic by a host of measures. Starting a second term of office with the president’s party...
A New Regime Comes Into Focus November Recap and December Outlook The transition to a new administration is underway with announcements of cabinet position nominees. The pro-business lean of the incoming government is not a surprise, and the emphasis is likely to be...
A Historic Election Removes Some Uncertainty October Recap and November Outlook An election season with several twists and turns came to a clear end with the decisive reelection of President Donald Trump. The received wisdom is that the financial markets hate...
Economic Insights, Trends and Challenges Stay up to date on market performance, ongoing economic trends and what challenges may lie ahead. In this quarter’s Economic Insights, HUB’s Investment Research Team covers: Solid Gains in Equities and Bonds: Learn...
A Volatile Start to the End of the Year? September Recap and October Outlook September equity markets ended the month in positive territory, but with volatility increased. The VIX, the markets “fear index” closed higher than last month, at 16.73, up from 15.00....
The Finish Line or the Starting Gate? August Recap and September Outlook As summer ends and September continues, attention is focused on the long-anticipated change in the Fed’s monetary policy, from holding rates steady to returning rates to lower levels. July and...
August Market Commentary Too Late, Again? July Recap and August Outlook After weeks of Olympic-themed press reports about the Fed “sticking the (soft) landing” and safely guiding the economy to a place where inflation is coming down and growth is holding off...
June Recap and July Outlook At the FOMC meeting in mid-June, the story was the drop in expectations for multiple rate cuts in 2024 to potentially only one rate cut later in the year. However, positive data around inflation and labor markets appears to have...
May Recap and June Outlook May saw a return to more confidence in the economy and the markets. The Fed met early in the month, and Chairman Powell managed to curb market pessimism by stating that it was unlikely that the Fed’s next move would be a rate hike. The...
April Recap and May Outlook April had it all, and most of it was not so great. Inflation is proving sticky again, which forced the market and the Fed to reassess the timing of interest rate cuts. Conflicts intensified in Ukraine and the Middle East, and in the U.S.,...
February Recap and March Outlook Depending on your focus, the story the recent economic data is telling may be different. But one point of view has been remarkably consistent this year: the market does not seem to care about any of it. February saw the S&P 500’s...
January Recap and February Outlook As goes January, so goes the year. That old stock market canard has a double-edged meaning this year, as the stock market as measured by the S&P came in strongly positive. But the path to getting there included dashed...
The drama around the timing of the Federal Reserve’s first cuts to the key short-term interest rate continued in last few weeks of the old year and into the first week of the new year. Two months of slowing labor market data, coupled with a change to the wording in...
November Recap and December Outlook After a year in which Federal Reserve Chairman Jerome Powell managed to hold everyone’s attention – again – here we are waiting for the outcome of the last FOMC meeting of the year. A few weeks ago, with the narrative of rates being...
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![[Video] Q3 2025 Economic and Market Commentary](https://hubrpw.com/wp-content/uploads/2025/10/Screenshot-2025-10-21-at-12.10.14 PM-1080x675.png)
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![[Video] Q2 2025: Consumer Sentiment & Consumer Behavior](https://hubrpw.com/wp-content/uploads/2025/07/Screenshot-2025-07-15-at-1.39.19 PM-1080x675.png)
![[Video] Q2 2025: Volatility in the Market](https://hubrpw.com/wp-content/uploads/2025/07/Screenshot-2025-07-15-at-1.50.51 PM-1080x675.png)
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![[Video] Q1 2025 Economic and Market Commentary](https://hubrpw.com/wp-content/uploads/2025/04/Screenshot-2025-04-21-at-4.51.52 PM-1080x675.png)
![[Video] Asset Allocation: What Worked in Q1](https://hubrpw.com/wp-content/uploads/2025/04/Screenshot-2025-04-21-at-4.42.45 PM-1080x675.png)
