Authored by Jeff

Authored by Jeff Snell, Managing Member of JR Snell Capital Management, LLC

February 6, 2026: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

This Week’s Market

This week, major indices navigated volatility with resilience. The Dow Jones Industrial Average gained about 1% overall, bolstered by strong performances in industrial and financial sectors. The S&P 500 experienced a modest dip of around 1%, while the Nasdaq declined 3% amid tech sector pressures. Friday’s morning rally, with the Dow up over 800 points, S&P advancing 1.3%, and Nasdaq rising 1.2% by 11 a.m. ET, underscores investor optimism and potential for continued stability.1

The “other” markets swirling around stocks went a little wild this week. Various market commentators have been Chicken-Little-ing about the amount of value in the gold and silver markets that have crashed this week.

I’ve been reading comments about the $4 trillion dollar total market value losses in the gold and silver markets this week, like it’s some kind of a dramatic collapse of valuations.

Right… except it’s the $4 trillion dollars in paper gains that were made since Christmas. Easy come, easy go. January millionaires revert back to February thousandaires. 😉

Trending Topics This Week

A key discussion in financial news this week centers on Roth IRA conversions. With market uncertainty and potential tax changes on the horizon, many are considering shifting funds from traditional IRAs to Roth accounts to lock in current tax rates and enable tax-free growth in retirement.

We’ll do this towards the end of the year with everybody, as always.

This Week’s Ideas

For pre-retirees and retirees, consider claiming state-specific senior property tax exemptions or freezes, available in many areas to cap or reduce annual assessments. This can help preserve cash flow without relocating, but check your state’s treasury site for eligibility and application details.

I’ve done this for a few folks here in Arizona… there are some income caps and you have to renew it every three years (IIRC). And, despite the crazy advice being spooned out on the socials, there’s no actual “discount”… it’s typically protection against further increases.

If you have any questions or comments, please reply directly to this newsletter—I read all responses.

If you’re not a client and have in-depth questions or want to see if we can help, book a Free Consultation Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

  1. Data from my TradingView trading platform. ↩︎

February 6, 2026: Market News & Financial Planning Tips Read Post »

January 30, 2026: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

This Week’s Market

The stock market showed resilience amid mixed performances this week, with major indices navigating earnings reports and policy news. From Monday’s open to Friday morning, the S&P 500 dipped about 0.3% overall, the Dow Jones Industrial Average fell 0.5%, and the Nasdaq Composite edged down 0.1%.

Friday’s pullback was likely in reaction to the nomination of Kevin Warsh as Fed Chair, which contributed to the modest declines, the broader January trajectory remains positive, highlighting underlying strength in key sectors.

Gold an silver pulled back dramatically on Thursday and Friday… silver is down about 20% as I write this (Friday morning)1

Trending Topics This Week

A notable financial planning discussion gaining momentum on social media is the “No-Buy 2026” challenge. This trend encourages individuals to skip non-essential purchases throughout the year to enhance savings and alleviate financial stress. Popular on platforms like TikTok and Reddit, it reflects a growing emphasis on mindful spending in response to persistent economic pressures.

Do it if you want… but I like to emphasize a mindset of abundance, rather than scarcity.

So, you do you.

This Week’s Ideas

Search for unclaimed property through your state’s official treasury website, as many people have forgotten funds from old bank accounts, insurance refunds, or utility deposits waiting to be claimed. This simple step can uncover unexpected money to bolster your emergency fund or investments without additional effort.

If you have questions or comments, please reply directly to this newsletter—I read all responses. You can also reach out to us by calling or texting our office at 480-575-7688.

If you are not a client and have in-depth questions or want to explore how we might assist you, book a Free Consultation Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

  1. All data is provided by my desktop trading and analysis software, TradingView. ↩︎

January 30, 2026: Market News & Financial Planning Tips Read Post »

January 23, 2026: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

The stock market got ‘jiggy’ on Tuesday with the S&P 500 down about 2% (give or take)1 But, by this morning (Friday), it again started showing resilience, with major indices experiencing modest pullbacks amid earnings season.

From Monday’s open to Friday at 11 a.m. ET, the S&P 500 declined 0.4% to close near 6,940, the Dow Jones Industrial Average fell 0.3% to 49,359, and the Nasdaq Composite dropped 0.7% to 23,515. Small-cap stocks provided a bright spot, with the Russell 2000 rising over 2%, reflecting a healthy rotation toward undervalued segments and building on year-to-date gains of nearly 8%. Overall, the market remains supported by steady economic signals.

Of interest, many that I spoke to assumed that the market tanked on Tuesday because the mainstream media reported that the US was going to ‘invade’ Greenland (laughable IMHO). In actuality, it was caused by issues with the Japanese bond market auction not going favorably.

So much for assuming the markets care about non-financial things.

Trending Topics This Week

One prominent discussion in financial news and on some of the socials revolves around the role of artificial intelligence in portfolio construction. Advisors are increasingly exploring AI tools to analyze data and recommend personalized asset allocations, potentially enhancing efficiency for retirees managing risk and income needs.

This trend highlights how technology could streamline planning without replacing human oversight.

This Week’s Ideas

  • Consider a Qualified Longevity Annuity Contract (QLAC) within your IRA or 401(k), allowing up to 25% of assets (or $200,000) to be deferred from RMDs until age 85, providing guaranteed income later in life while reducing current tax obligations.
  • Explore series I savings bonds for inflation-protected growth; with current rates offering a fixed component plus inflation adjustment, they serve as a low-risk hedge for retirement portfolios, especially for those nearing or in retirement seeking principal preservation.

We welcome your questions or comments—feel free to reply directly to this newsletter, or reach out by calling or texting our office at 480-575-7688.

If you are not a client and have in-depth questions or want to explore how we might assist you, we encourage you to book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

  1. According to TradingView, my trading platform. ↩︎

January 23, 2026: Market News & Financial Planning Tips Read Post »

January 16, 2026: Special Edition: A Quick Word on Social Security

Authored by Jeff, Financial Planning, Markets, Social Security

So there’s some stuff going around about Social Security and I thought I would take a minute to address it here. I’ve previously addressed the social security ‘crisis’ in a couple of newsletters earlier this year, the last one entitled, “Too Little, Too Late? Or Not? (Part Two)”

The crux of the article was in a static timeline (which never is static), we are going to have to reduce social security benefits in around 5 to 10 years. At the time, I felt that the efforts of DOGE might offer a glimmer of hope… and it still may. While the media’s attention has turned to the latest shiny object (Squirrel!!), the efforts of DOGE continue in the background. So, there’s still some hope there.

Selling Fear For Clicks

As we step into 2026, the whispers of doom surrounding Social Security echo louder than ever—fueled by headlines that paint a picture of impending collapse. But let’s take a step back and put on our ‘critical thinking’ caps.

Social Security, now in its 91st year, has weathered depressions, wars, and economic upheavals without missing a single payment. It’s not a fragile relic; it’s a sturdy framework built on payroll contributions, designed to adapt. The issue is not that social security is going bankrupt, the issue is that social security will have to navigate a shortfall in the future… which is infinitely more manageable than the hysteria suggests.

The program’s trust fund, amassed from decades of surplus taxes, is projected to deplete around 2034 for the combined Old-Age and Survivors Insurance (OASI… what we mean when we say “social security”) and Disability Insurance (DI) funds, or 2033 for OASI alone. At that juncture, incoming payroll taxes would still cover about 80% of promised benefits—not zero, as some fearmongers imply. This funding gap equates to roughly 3.65% of taxable payroll over the next 75 years, a figure that’s climbed slightly due to recent legislative tweaks like the One Big Beautiful Bill Act.

However, history reassures us here: Back in 1983, under Reagan, Congress enacted bipartisan reforms, including gradual hikes in the full retirement age from 65 to 67, taxing some benefits, and adjusting contributions. These moves stabilized the system for generations. Today, similar pragmatic steps could bridge the divide. Boosting the payroll tax from 12.4% to 13.4% over a decade might close 23% of the gap. Eliminating the $184,500 earnings cap (up from $176,100 last year) could cover another 21%. Or, switching to a more accurate inflation measure like the Chained CPI for cost-of-living adjustments (COLAs) might shave off 16% of the shortfall. These aren’t radical overhauls; they’re tweaks to keep the black swans at bay.

Recent Developments Add to the Optimism.

The 2026 COLA clocks in at 2.8%, boosting average benefits to over $2,000 monthly for retirees—a first. Full retirement age edges up for those born in 1960 or later, and new tax breaks mean 88% of seniors won’t owe on benefits. The 2025 Trustees Report notes stability post-2035, with deficits peaking then easing. Bipartisan proposals, like those from the Bipartisan Policy Center, blend tax hikes and benefit trims for full solvency.

If you’ve ever wondered why Social Security endures while markets fluctuate, it’s because it’s woven into our economic fabric—essential for 71 million Americans. Congress has acted before; the political will exists amid growing awareness.

In the meantime, diversify your retirement strategy: lean on 401(k)s, IRAs, and personal savings. But rest easy—Social Security isn’t vanishing. It’s evolving, just as it always has, proving that rational analysis overrides apocalyptic fears.

Readers are encouraged to reply to this newsletter directly with any questions or comments, as I receive and read all responses. You can also reach out by calling or texting our office at 480-575-7688.

If you are not a client and have in-depth questions or want to explore how we might assist you, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

January 16, 2026: Special Edition: A Quick Word on Social Security Read Post »

January 9, 2026: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

This Week’s Market

The stock market demonstrated steady progress this week, with major indices posting solid gains from Monday’s open through Friday morning at 11 a.m. Eastern Time. The S&P 500 rose about 1%, reflecting resilience amid mixed economic data and stable job reports. The Dow Jones Industrial Average advanced roughly 2.1%, supported by strength in non-tech sectors, while the Nasdaq Composite climbed around 1.1%. These movements highlight ongoing investor confidence, even as rate expectations remain measured, pointing to potential opportunities ahead.

Trending Topics This Week

A key discussion in financial planning circles centers on updates to tax laws for 2026, including higher state and local tax (SALT) deduction caps, a new deduction for seniors, and increased retirement plan contribution limits. These changes, driven by recent legislation, are prompting advisors and individuals to reassess strategies for deductions, Roth conversions, and savings vehicles to optimize tax efficiency in retirement.

This Week’s Ideas

  • Tax-Gain Harvesting: If your income places you in the 0% long-term capital gains bracket, consider selling appreciated assets to realize gains tax-free, then repurchasing to reset your cost basis. This can reduce future taxes without triggering current liabilities.
  • Donor-Advised Funds for Bunching: Contribute multiple years’ worth of charitable gifts to a donor-advised fund in one year to exceed the new 0.5% AGI floor for deductions, allowing itemization while spreading distributions over time for steady support to causes.

Readers are encouraged to reply to this newsletter directly with any questions or comments, as I receive and read all responses. You can also reach out by calling or texting our office at 480-575-7688.

If you are not a client and have in-depth questions or want to explore how we might assist you, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

January 9, 2026: Market News & Financial Planning Tips Read Post »

January 2, 2026: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

This Week’s Market

The stock market experienced a mix of movements this shortened holiday week, with trading volumes lighter due to New Year’s Day closure. Major indices dipped modestly on Wednesday, December 31, as year-end profit-taking prevailed, with the S&P 500 down 0.7%, Nasdaq Composite off 0.8%, and Dow Jones Industrial Average declining 0.6%. However, the new year opened on a firmer note Friday morning, with tech and semiconductor stocks leading a rebound by 11 a.m. ET—the S&P 500 up 0.3%, Nasdaq gaining 0.6%, and Dow edging higher 0.1%. Overall, the tone remains constructive, supported by ongoing AI momentum and broader economic resilience, setting a steady path forward.1

Trending Topics This Week

As 2026 begins, discussions in financial news and on social media are centering on preparing for upcoming tax changes. With parts of the 2017 Tax Cuts and Jobs Act set to expire at year-end, higher brackets and reduced exemptions loom, prompting talks on strategies like accelerated Roth conversions and enhanced charitable giving. Additionally, new rules from recent legislation, such as increased gift tax exclusions to $15 million per individual, are sparking interest in estate planning updates.

Around the interwebs, folks are highlighting the need for proactive budgeting amid rising costs, viewing financial planning as essential for stability.

This Week’s Ideas

  • Implement a bucket strategy for your retirement portfolio: Allocate funds into three segments—short-term (cash and bonds for immediate needs), medium-term (balanced investments for growth with moderate risk), and long-term (equities for higher potential returns)—to provide income stability during market fluctuations.
  • Take advantage of SECURE 2.0’s 529-to-Roth IRA rollover provision: If you have a 529 plan open for at least 15 years with unused funds, roll up to $35,000 lifetime (subject to annual IRA limits) into the beneficiary’s Roth IRA, offering tax-free growth without penalties.

We welcome your questions or comments—reply directly to this email, or call or text our office at 480-575-7688.

If you are not a client and have in-depth questions or want to explore how we might assist you, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

  1. I get my market data from my trading and tracking software, Tradingview. ↩︎

January 2, 2026: Market News & Financial Planning Tips Read Post »

December 26, 2025: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

This Week’s Market

The stock market opened the week on a solid note, with major indices posting gains amid continued strength in technology shares. On Monday, the S&P 500 rose 0.6% to close at 6,878.49, the Dow Jones Industrial Average climbed 0.5% to 48,362.68, and the Nasdaq advanced 0.5%. Gold and silver reached new records, reflecting investor confidence in precious metals. By Friday morning, trading remained steady but lackluster, with indices fluctuating slightly around unchanged levels. Overall, the week highlighted resilience in equities and commodities, offering opportunities for long-term growth despite minor volatility.

Trending Topics This Week

With 2025 drawing to a close, year-end financial planning strategies are gaining attention across news outlets and social media. Discussions focus on optimizing tax positions through charitable giving, reviewing asset allocations, and preparing for potential policy shifts in 2026, such as changes to tax refunds and fiscal stimulus. Investors are also exploring stablecoins and digital assets as tools for faster, more transparent transactions amid evolving regulations.

This Week’s Ideas

  • Tax-loss harvesting in taxable accounts: Sell underperforming investments to realize losses that offset capital gains, reducing your tax bill. This is particularly useful for pre-retirees managing portfolios outside retirement plans, allowing reinvestment in similar assets after the 30-day wash-sale period to maintain market exposure.
  • Exploring long-term care insurance options: Secure policies that cover in-home care or assisted living, potentially with hybrid life insurance features for added death benefits. This protects retirement savings from healthcare costs, providing peace of mind for retirees without depleting nest eggs.

If you have questions or comments, reply directly to this newsletter—I read and respond to all. You can also call or text our office at 480-575-7688.

If you are not a client and have in-depth questions or want to learn if we can assist you, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

December 26, 2025: Market News & Financial Planning Tips Read Post »

December 19, 2025: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

This Week’s Market

This week’s stock market displayed resilience amid mixed performances. The Dow Jones Industrial Average rose 1.1%, buoyed by rotations into non-tech sectors and steady economic indicators. Meanwhile, the S&P 500 dipped 0.6%, and the Nasdaq fell 1.6%, reflecting some pullback in technology stocks following recent highs. Overall, indices hovered near record levels, supported by positive sentiment around potential Federal Reserve actions and market adaptability. Investors can find opportunities in this balanced environment as the year closes.

Trending Topics This Week

Discussions in financial news and on social media are focusing on the growing use of AI tools like ChatGPT for personal financial planning. Recent surveys indicate that around 40% of consumers have turned to these platforms for advice on budgeting, investments, and retirement strategies, with another 24% open to trying them. This trend highlights the blend of technology and traditional guidance, offering accessible insights while emphasizing the need for verification with professionals.

This Week’s Ideas

  • Net Unrealized Appreciation (NUA) Strategy: If you hold appreciated company stock in your 401(k), consider distributing it in-kind upon separation from service. This allows taxation at long-term capital gains rates rather than ordinary income, potentially saving significantly on taxes for retirees with concentrated positions.

Readers are encouraged to reply directly to this newsletter with any questions or comments—I read and respond to all.

If you’re not a client and have in-depth questions or want to explore how we might assist, consider booking a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

December 19, 2025: Market News & Financial Planning Tips Read Post »

December 12, 2025: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

This Week’s Market

The stock market displayed resilience amid anticipation of Federal Reserve actions. From Monday’s open, the S&P 500 experienced modest fluctuations, closing the week slightly higher overall with gains in mid-week sessions offsetting early dips. The Dow Jones Industrial Average advanced about 1.5%, reflecting strength in industrial sectors, while the Nasdaq Composite remained relatively flat, supported by steady tech performance. Investors focused on positive economic indicators, highlighting opportunities for long-term growth despite short-term volatility.

The Fed did lower interest rates by another quarter-point this week, lowering the interest rate being paid on cash reserves. The cash reserves accounts that we’re able to offer are still typically about the best out there, but again, unless you have a specific short-term use for the money, we’ve always posited that cash makes a lousy long-term investment. What’s happened thus far this year with dropping interest rates is exactly why we take this position.

Trending Topics This Week

A key discussion in financial news centers on the Federal Reserve’s recent 25-basis-point rate cut in December 2025, marking the final adjustment of the year. This move aims to support economic stability amid moderating inflation. For those nearing or in retirement, it underscores the importance of reviewing fixed-income allocations, as lower rates may influence bond yields and savings returns, prompting a balanced approach to portfolio diversification.

Despite what some media outlets want you to believe, inflation is constrained and continues to be quite low historically.

This Week’s Ideas

  • Consider a bond ladder strategy to manage interest rate risk; by staggering maturities, you can secure predictable income streams and reinvest at potentially higher rates as bonds mature.

Readers should reply directly to this newsletter with any questions or comments, as all responses are reviewed personally. Alternatively, reach out by calling or texting our office at 480-575-7688.

If you are not a client and have in-depth questions or wish to explore how we might assist you, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

December 12, 2025: Market News & Financial Planning Tips Read Post »

December 5, 2025: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

This Week’s Market

This week, the stock market demonstrated steady resilience despite an initial dip. Major indices opened lower on Monday amid bitcoin pressures and economic data reviews, but rebounded through the week on expectations of Federal Reserve rate cuts. The S&P 500 advanced about 1.2% from Monday’s open to Friday morning, supported by broad sector gains.

The Dow Jones rose 0.8%, while the Nasdaq climbed 1.5%, reflecting strength in technology. This performance highlights ongoing opportunities for investors in a stabilizing environment.

Trending Topics This Week

One prominent financial planning topic gaining attention this week is the rising concern over politics as a key influence on personal finances. Reports indicate that the political environment has become the top money worry for clients, overtaking issues like inflation, as discussions focus on potential policy shifts heading into 2026. This emphasizes the need to monitor legislative changes that could affect taxes, retirement savings, and overall wealth strategies.

We’re also keeping an eye on the new “Trump Accounts” structure. The IRS just recently clarified the details and we are beginning to get some idea as to structure. If you have younger friends or your own children or grandchildren are thinking about having children in the next few years, we’d be happy to help them out with the details.

Just let us know.

This Week’s Ideas

  • Utilize qualified charitable distributions (QCDs) from IRAs for those aged 70½ or older, allowing direct transfers to charities that count toward required minimum distributions without adding to taxable income, potentially reducing tax liabilities.
  • Implement asset location optimization by holding tax-inefficient assets like bonds in tax-deferred accounts and equities in taxable ones, which can enhance after-tax returns over retirement years.

If you have any questions, reach out by replying to this email, or call or text our office at 480-575-7688.

Readers are encouraged to reply to this newsletter directly with any questions or comments, as I receive and read all replies.

If you are not a client and have in-depth questions or want to learn whether we can help, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

December 5, 2025: Market News & Financial Planning Tips Read Post »

November 28, 2025: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets

This Week’s Market

The stock market showed steady gains this shortened holiday week, with major indices climbing amid positive economic signals and tech sector strength. From Monday’s open, the S&P 500 rose about 2.9% to approximately 6,828 by Friday at 11 a.m. ET. The Dow Jones Industrial Average increased roughly 2.5% to around 47,522, while the Nasdaq Composite advanced 3.7% to near 23,303. Volumes moderated as the week progressed, reflecting typical pre-holiday trading patterns.

It was a good week to keep our focus on our growth stock strategies, while maintaining appropriate allocations by considering not just one’s tolerance for risk, but their capacity for it as well.

It may take a while for the current administration’s economic revival plan to take effect, but for now it appears as though “the market” is a believer. Stay positive about this… negativity is not usually a profitable stance 😎.

Trending Topics This Week

The IRS recently announced increases to retirement savings limits for 2026, including higher contributions for 401(k)s, IRAs, and HSAs. This adjustment, aimed at keeping pace with inflation, has sparked discussions in financial news about optimizing tax-advantaged accounts to bolster long-term security.

This Week’s Ideas

  • Use Qualified Charitable Distributions (QCDs) from your IRA if age 70½ or older; these allow direct transfers to charities up to $105,000 annually in 2025, satisfying RMD requirements without increasing taxable income.
  • Consider a “laddered” Roth conversion strategy in lower-income years before full retirement, converting portions of traditional IRAs gradually to manage tax brackets and secure tax-free growth.

Readers are encouraged to reply directly to this newsletter with any questions or comments, or reach out by calling or texting our office at 480-575-7688.

If you are not a client and have in-depth questions or want to explore how we might assist you, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

November 28, 2025: Market News & Financial Planning Tips Read Post »

November 21, 2025: Market News & Financial Planning Tips

Authored by Jeff, Financial Planning, Markets, Social Security

This Week’s Market

U.S. stock markets faced increased volatility this week, with major indices closing lower amid doubts about the sustainability of the AI-driven rally and anticipation of key economic data like jobs reports and Nvidia earnings. The S&P 500 declined about 0.9%, while the Nasdaq fell 0.8% after a second straight weekly drop, led by tech sector sell-offs. The Dow Jones dropped sharply on Monday, shedding over 550 points, as investors shifted toward defensive sectors. Bond yields edged higher, oil prices held steady, and the VIX dipped slightly to around 19.8, reflecting moderated but persistent uncertainty.1

Increased volatility and market ‘pauses’ as we seem to be currently experiencing are normal parts of market action. We’ve been on an extended rally since April and an moderate short-term ‘pause’ wouldn’t be historically unusual to see here.

Trending Topics This Week

Chit-chat around the interwebs highlight the value of life insurance as a tool for tax-free retirement income. Beyond traditional death benefits, modern policies offer flexibility for high earners to recharacterize income, defer compensation, and build savings shielded from future tax changes. This approach is gaining attention for its role in long-term financial security without relying solely on taxable accounts.

I could warm to this idea for high-earners also looking to replace income should their untimely demise leave dependents destitute… but as a “pure” financial planning strategy as one approaches retirement, not so much. Let’s chat if you have questions.

This Week’s Ideas

  • Consider qualified charitable distributions (QCDs) from IRAs if you’re subject to Required Minimum Distributions; these allow direct transfers to charities that count toward required minimum distributions but aren’t taxed as income, potentially lowering your Medicare premiums.
  • Explore spousal Social Security strategies: If married, one partner can claim spousal benefits while delaying their own to maximize lifetime payouts, providing a bridge to higher delayed credits without dipping into savings prematurely. We currently do this during our pre-retirement cash flow and retirement income planning sessions.

Readers are encouraged to reply to this newsletter directly with any questions or comments.

If you are not a client and have in-depth questions or want to learn whether we can help, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

  1. All prices and quotes are taken from my market data software, “TradingView” ↩︎

November 21, 2025: Market News & Financial Planning Tips Read Post »

November 14, 2025: Market News & Financial Planning Tips

Authored by Jeff

This Week’s Market

This week, major U.S. stock indices faced minor downward pressure amid an extended tech selloff and fading expectations for a December Federal Reserve rate cut. Although the S&P 500 fell in early Friday trading, by midday the market had reversed and was up nearly a half a percent… making for a big intraday swing.

The Dow Jones Industrial Average also dropped at the open and subsequently reversed, while the Nasdaq Composite also turned positive after a three-day move down. Wall Street closed lower on Thursday as investors grew cautious ahead of the Fed’s meeting, with overseas markets also selling off a bit.

Trending Topics This Week

As the holiday season approaches, discussions on effective holiday spending strategies are prominent in financial circles. Experts recommend setting clear budgets early, prioritizing needs over wants, and using tools like cash-back apps to minimize post-holiday debt. With inflation still a factor, this focus helps maintain financial stability into the new year. Open enrollment for the Affordable Care Act is another key conversation, urging individuals to review plans for cost savings on health coverage.

This Week’s Ideas

  • Leverage Health Savings Accounts (HSAs) beyond immediate medical needs by treating them as a retirement investment vehicle; contributions reduce taxable income, earnings grow tax-free, and qualified withdrawals in retirement are also tax-free, providing a powerful tool for long-term health care costs.
  • Implement a Roth conversion ladder by gradually converting portions of traditional IRA or 401(k) funds to a Roth IRA over several years, managing annual tax implications while building a source of tax-free retirement income, especially useful if you anticipate higher tax brackets later.

If you have any questions or comments, please reply directly to this email—I read all replies. You can also call or text our office at 480-575-7688.

If you’re not a client and have in-depth questions or want to learn if we can help, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

November 14, 2025: Market News & Financial Planning Tips Read Post »

November 7, 2025: Market News & Financial Planning Tips

Authored by Jeff

This Week’s Market

Stocks faced headwinds this week amid economic concerns, leading to notable declines across major indexes. The Nasdaq Composite dropped about 2.8%, marking its worst weekly performance since April. The S&P 500 fell over 1.7%, while the Dow Jones Industrial Average slipped around 0.5%. Tech stocks led the weakness, with markets opening lower on Friday as investors assessed ongoing uncertainties.

We continue to emphasize a long-term outlook for all investments, especially stocks. Volatility like this past week is the name of the game from time to time and provides a natural reset or rest, a critical function for market health.

Trending Topics This Week

One prominent discussion in financial news centers on the 2026 Social Security cost-of-living adjustment (COLA). Set at 1.4%, this modest increase reflects cooling inflation but has sparked conversations about its adequacy for retirees facing rising healthcare and living costs. Analysts note it aligns with broader economic stabilization efforts.

This Week’s Ideas

  • Qualified Charitable Distributions (QCDs): For those over 70½ with IRAs, direct QCDs to charities can fulfill required minimum distributions without adding to taxable income, potentially lowering Medicare premiums.
  • Asset Location Optimization: Place high-growth investments in Roth accounts and income-generating assets in tax-deferred ones to minimize lifetime taxes, a strategy often overlooked in portfolio reviews.

If you have questions or comments, reply directly to this email—I read all responses. You can also call or text our office at 480-575-7688.

If you are not a client and have in-depth questions or want to explore how we might assist you, book a Discovery Call.

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

November 7, 2025: Market News & Financial Planning Tips Read Post »

October 31, 2025: Market News & Financial Planning Tips

Authored by Jeff

This week’s stock market had major indices achieving fresh all-time highs amid a mix of positive earnings and economic data.

Key drivers included better-than-expected third-quarter earnings beats from S&P 500 companies, with 85% exceeding EPS estimates, and softer CPI inflation figures that came in below forecasts. Investment trends remain centered on technology and AI, supported by resilient corporate profits, though broader market breadth suggests healthy participation across sectors.

As I suggested last week, the federal reserve lowered interest rates by 0.25%. This leaves our cash reserves accounts yielding 3.45%. This is still better than many competing cash reserves accounts, but brings into question the whole idea of maintaining significant reserves in the first place. Cash reserves are primarily intended as short-term parking places, but given their recent relatively attractive rates, some folks have parked longer term funds in these instruments. Now that the rates on these accounts have dropped below longer-term alternatives, it might be time for many to reach out to consider other ideas. If you think you’re one of these people, feel free to reply to this email… I’ll get the reply and respond as quickly as practicable.

One financial planning topic currently discussed in the news and on social media is the emphasis on health-related considerations in retirement strategies, particularly during National Financial Planning Month this October. Conversations highlight the need to account for potential medical expenses, long-term care options, and insurance integration to maintain financial stability in later years. This approach helps ensure that healthcare needs do not erode savings unexpectedly.

Although we don’t sell insurance products, if we discover the need for them with you, we have our “people” that will guide you in the right direction.

Financial Planning Hacks of the Week

For investors approaching retirement within the next 5 to 10 years or those already retired, here are a couple of lesser-known strategies to consider:

  • Leverage Qualified Charitable Distributions (QCDs): If you are 70½ or older and subject to required minimum distributions (RMDs) from your IRA, directing up to $100,000 annually to qualified charities via QCDs can satisfy your RMD while excluding the amount from taxable income. This can be particularly useful for maintaining lower tax brackets and supporting causes you value without additional out-of-pocket costs.
  • Strategic Roth Conversions in Transitional Years: In years when your income is lower—such as during a career transition or early retirement—converting portions of traditional IRA funds to a Roth IRA can minimize future taxes on withdrawals. By paying taxes on the conversion at current rates, you position tax-free growth for the long term, which is especially beneficial if you anticipate higher tax brackets later due to RMDs or other income sources.

If you have questions or comments, please reply directly to this email—I read and respond to all of them. You can also reach out by calling or texting our office at 480-575-7688. If you are not yet a client and would like answers to in-depth questions or to learn whether we can help with your situation, consider booking a Discovery Call

The information on our website and this blog is for information purposes only. It is believed to be reliable, but JR Snell Capital Management does not warrant its completeness or accuracy. The information on our website and in this newsletter or blog is not intended as an offer or solicitation for the purchase of stock or any financial instrument.

October 31, 2025: Market News & Financial Planning Tips Read Post »

Scroll to Top