Dear Clients and Friends, We hope the start of spring finds you well and that you are enjoying the renewed sense of energy and opportunity that a new quarter brings. As we move into March, the market narrative remains complex but ultimately compelling. The bull market continues into its fourth year, supported by robust corporate …
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January 2026 Newsletter
Dear Valued Clients, We hope this newsletter finds you well. As we progress into the new year, we want to provide an update on the markets and our forward-looking perspective. Market Commentary: Continued Resilience with Broadening Growth The market has maintained a solid trend of growth, though with the usual volatility, as economic fundamentals and …
November 2025 Newsletter: A Virtual Family Office – From Fragmentation to Fortification
Dear Clients and Friends, We hope you all are looking forward to the holiday season as much as we are here at Bauer Heitzmann. In a world of accelerating financial complexity—geopolitical volatility, evolving tax regimes, and the relentless pace of digital transformation—your wealth demands more than isolated expertise. It requires orchestration. In this month’s newsletter, we …
My 2 Cents on Market Predictions
As we celebrate the holiday season, the team at Bauer Heitzmann extend our warmest wishes to you and your families. We are deeply grateful for your continued trust and partnership, and we value the opportunity to be a part of your financial journey. At the beginning of 2024, JP Morgan predicted a down year for the stock …
When the Yield Curve is Inverted
Fall is in the air and we have no shortage of interesting developments in the markets. Investors are keeping a close eye on the election, core inflation numbers, big tech earnings (specifically large expenditures around artificial intelligence R&D), and any further reduction in short term interest rates that the Fed is likely to do before the …
Permanent Price Increases
The investment market remains resilient amidst a backdrop of mixed economic signals. While corporate earnings have generally exceeded expectations, concerns about economic growth and persistent inflation persist. The tech sector continues to lead the rally, fueled by strong earnings and enthusiasm around artificial intelligence. As we enter the month of September, the most important thing …
All Eyes on the Economy
The markets finished last week clearly rattled by a combination of a weaker labor market and corporate tech earnings missing Wall Street expectations. The economy is clearly slowing and the unexpected rise in the unemployment rate was a major catalyst in the current stock market pullback. As of 8/5/2024, here is a snapshot of the …
The Volatility Index
The first half of 2024 wrapped up on Friday with total returns looking a lot like they have for the past 18 months – the Magnificent 7 outperforming the broader stock market, and with inflation (and therefore interest rates) higher for longer, bonds remain mostly in the red. Here is a quick snapshot of the main stock …
The Rule of 72
Many of you have likely heard of the adage, “the Rule of 72.” It’s used frequently in the investing world because it provides a simple way for calculating how long it will take for an investment to double in value. You simply take the assumed annual rate of return (typically 10% for the historical S&P …
High Quality International
Since last months update, the stock market has experienced a pullback and bond prices continue to push lower with medium and long-term interest rates moving higher. As of this writing here is where those two markets stand: Stocks: S&P 500: 5% Nasdaq: 4.5% Russell 2000: -1% Bonds: Aggregate Bond Index: -4% Short Term Index: -1% …