Retirement PlanningYour accounts are rarely the hard part of retirement, the sequencing is, and this guide walks through which dollar comes out first and why.
Nyle Bayer · August 24, 2026 · 10 min read
Markets and EconomyAnton Bayer, CFP®, on when to trim concentrated winners like Nvidia and Western Digital, and disciplined, tax-conscious strategies for reducing a position.
Anton Bayer · August 12, 2026 · 8 min read
Markets and EconomyAnton Bayer, CFP®, on Sandisk's 3,300% surge and swift reversal as a case study in concentration risk, and the diversified, tiered strategy that protects wealth once it's built.
Anton Bayer · August 4, 2026 · 10 min read
Markets and EconomyWhy a handful of companies create most of the stock market's wealth, why that concentration is normal and cyclical, and how long-term investors own durable companies broadly and hold through 50 percent drawdowns.
Nyle Bayer · July 7, 2026 · 7 min read
Financial PlanningToday, I received a message from a long-time client. The message was short and direct: “I'm up 1,200% and wondering what the top is?”
Anton Bayer · June 24, 2026 · 6 min read
Markets and EconomyFor the past week, major media outlets have opined on the stock market volatility speculating whether this is the beginning of a significant stock market selloff and if the US economy is entering a deep recession cycle l
Anton Bayer · March 12, 2025 · 5 min read
Markets and EconomyWe have mentioned in past UPdates the importance of monitoring the financial health and sentiment of US consumers. The primary reason is that American spending represents a whopping 67.9% of America’s Gross Domestic Prod
Anton Bayer · January 21, 2025 · 5 min read
Financial PlanningPrior to the outbreak of the coronavirus in 2020, we used to host multiple client and friend dinner events each year. We would have these events typically at excellent local restaurants in the South Bay and East Sacramen
Anton Bayer · October 16, 2024 · 6 min read
Markets and EconomySince the stock market bottomed on October 14, 2022, the major indices have rallied significantly. During these past 20 months, the tech-based NASDAQ index has soared 78.3% followed by a large-cap S&P 500 index up 55.53%
Anton Bayer · July 10, 2024 · 5 min read
Financial PlanningYesterday was Christmas, and it seems like it was yesterday already. We are fortunate to have seven of our ten grandkids living close to us. As a result, we had a full house with all-day activities with kids and adults t
Anton Bayer · December 27, 2023 · 4 min read
Financial PlanningNow that Halloween is over, the winter holidays have officially started. Although Home Depot, Walmart, Target, Lowes, and every other box store thought the Christmas season started in August.
Anton Bayer · November 16, 2023 · 5 min read
Financial PlanningThe stock market is always moving as investors adjust their portfolios to their perspective of the economy and their stock holdings. The result is the actual value of stocks is rarely held as prices fluctuate above and b
Anton Bayer · November 1, 2023 · 5 min read
Financial PlanningIt seems the scammers are out in greater force than ever. More alarming is their increasing success in scamming honest people out of their hard-earned money. As a result, I wanted to share with you many True Stories of s
Anton Bayer · October 4, 2023 · 10 min read
Markets and EconomyIt appears investors are increasing their caution in buying stocks since the major indices peaked for the year high on July 31. Today's decline of the S&P 500 puts the index just 0.1% above its 200 Day Moving Average (DM
Anton Bayer · September 27, 2023 · 4 min read
Financial PlanningOne year ago, on September 9, 2022, I was in a horrific private plane crash. No, I wasn’t the pilot, nor did I own the plane. The plane was totaled, and amazingly, my friend, the pilot, and I both survived with slight in
Anton Bayer · September 13, 2023 · 7 min read
Financial PlanningThinking about Christmas may be a bit early for you, but not for retailers. Executives of all businesses that depend on consumer spending are deep in preparation for this holiday season. These executives are evaluating t
Anton Bayer · August 2, 2023 · 6 min read
Financial PlanningLast Tuesday, we returned from a 10-day pilgrimage in Israel. This has been a trip my wife and I have been wanting to take for decades. Hylan Slobodin and his wife Rita, have been coordinating tours in Israel every two y
Anton Bayer · June 6, 2023 · 7 min read
Markets and EconomySince Jerome Powell, Federal Reserve Chairman, announced early 2022 the Federal Open Market Committee (FOMC) rate hike campaign to slow inflation, analysts have predicted a recession in 2023. Recessions do not suddenly s
Anton Bayer · May 10, 2023 · 4 min read
Financial PlanningThroughout my life I have benefited from people with more experience and knowledge who have been generous to share what they have learned so my learning curve may be steeper with less setbacks due to mistakes.
Anton Bayer · April 27, 2023 · 7 min read
Markets and EconomyIt was an extraordinary experience for the years we lived in Cupertino, AKA Silicon Valley. During the late 1990s, neighbors were becoming millionaires and some billionaires overnight when their companies had an Initial
Anton Bayer · March 15, 2023 · 9 min read