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 …
Tag Archives: Financial Planning
The One Big Beautiful Bill Act (OBBBA)
Dear Clients and Friends, Since our last update, the equity markets have surged ahead, overcoming early-year challenges (tariff uncertainty, geopolitical concerns, GDP slowdown, etc…) to reach new all time highs. Simultaneously the One Big Beautiful Bill Act (OBBBA) was signed into law bringing some certainty to the tax landscape for the foreseeable future. The bill extends many …
Happy 4th of July
Happy 4th of July from Colorado! We are wishing you a celebration filled with joy, fireworks, and good company. This month’s newsletter comes with the broad stock market indices back at all time highs to kick off the second half of 2025. From our perspective, the markets are navigating a delicate balance of fiscal policy …
4 Things To Do During a Market Downturn
As market volatility surges, countless voices are cautioning against certain actions during a downturn. We concur with much of this guidance, which emphasizes avoiding market timing, resisting the urge to believe “this time is different,” and not getting swept up in sensational news stories. While this is great advice that we adhere to, there are …
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 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% …