https://www.newcapitalmgmt.com/news daily 0.75 2026-03-26 https://www.newcapitalmgmt.com/news/ncm360-enhancements-stronger-security-and-smarter-communications-s84kz monthly 0.5 2026-03-16 https://www.newcapitalmgmt.com/news/year-round-tax-planning-strategy-beyond-april-15 monthly 0.5 2026-03-16 https://www.newcapitalmgmt.com/news/coupledom-financial-planning-alignment monthly 0.5 2026-03-25 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1bd2d7b5-593f-4957-b561-7f4bf80f0fcf/LG-sig2.jpg The New Capital Journal - Coupledom: Why Financial Planning Begins with Alignment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/2025-year-end-review monthly 0.5 2026-04-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1bd2d7b5-593f-4957-b561-7f4bf80f0fcf/LG-sig2.jpg The New Capital Journal - 2025 Year-End Review: Policy Earthquakes, AI Acceleration, and Market Implications - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/turning-intention-into-action-financial-planning-with-purpose-for-2026 monthly 0.5 2026-01-27 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5cc4f574-1739-40f3-bf6c-61875cda71d9/ChatGPT+Image+Jan+5%2C+2026%2C+07_32_47+PM.png The New Capital Journal - Turning Intention into Action: Financial Planning with Purpose for 2026 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1bd2d7b5-593f-4957-b561-7f4bf80f0fcf/LG-sig2.jpg The New Capital Journal - Turning Intention into Action: Financial Planning with Purpose for 2026 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/tax-deadlines-and-key-information-to-know-for-2026 monthly 0.5 2026-01-06 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/23b92550-2bf0-4626-b58d-25062ac73822/Screenshot+2025-12-31+at+9.29.31%E2%80%AFAM.png The New Capital Journal - Tax Deadlines and Key Information to Know for 2026 - Make it stand out Source: Internal Revenue Service. Data as of Dec. 16, 2025. Download CSV. https://www.newcapitalmgmt.com/news/dimensionals-takes-on-industry-topics-in-2025 monthly 0.5 2026-01-06 https://www.newcapitalmgmt.com/news/four-factors-behind-bitcoins-recent-volatility monthly 0.5 2026-01-06 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8b7d5555-acbf-4c5b-89cd-622dbb7dd51c/Screenshot+2025-12-31+at+9.16.58%E2%80%AFAM.png The New Capital Journal - Four Factors Behind Bitcoin’s Recent Volatility - Make it stand out * 1Y forward period only partially complete, as of Nov. 30, 2025 Source: Bloomberg Bitcoin Spot Price and BlackRock calculations, as of Nov. 30, 2025. Measured from the date at which the drawdown first breached 25%. Length measured from peak to trough in weeks. Spot price performance does not represent actual Fund performance. Past performance does not guarantee future results. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2e37d9f5-9f19-44b0-a4c3-e93222545f47/Screenshot+2025-12-31+at+9.19.31%E2%80%AFAM.png The New Capital Journal - Four Factors Behind Bitcoin’s Recent Volatility - Make it stand out Source: Bloomberg Bitcoin Spot Price and BlackRock calculations, as of Nov. 30, 2025. The iShares Bitcoin Trust ETF (IBIT) launched on January 5, 2024. Spot price performance does not reflect actual Fund performance. Past performance does not guarantee future results. https://www.newcapitalmgmt.com/news/what-is-the-repayment-assistance-plan monthly 0.5 2026-01-06 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f76f7bdf-8b96-46b1-afcc-39895f1b3ce7/Screenshot+2025-12-31+at+9.10.02%E2%80%AFAM.png The New Capital Journal - What is the Repayment Assistance Plan? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4a12fa23-c4e2-4ba0-a08c-408fcd09b068/Screenshot+2025-12-31+at+9.10.51%E2%80%AFAM.png The New Capital Journal - What is the Repayment Assistance Plan? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/beneficiary-designation-vs-will-what-you-need-to-know monthly 0.5 2026-01-06 https://www.newcapitalmgmt.com/news/growing-with-gratitude monthly 0.5 2026-01-09 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6c34052e-c39a-4906-8a00-5e4120536a9f/Journal+Thumbnails+%28409+x+300+px%29+%284%29.png The New Capital Journal - Growing with Gratitude - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1bd2d7b5-593f-4957-b561-7f4bf80f0fcf/LG-sig2.jpg The New Capital Journal - Growing with Gratitude - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/3-reasons-to-boost-your-charitable-giving-in-2025-before-tax-law-changes monthly 0.5 2026-01-09 https://www.newcapitalmgmt.com/news/529-plans-and-the-obbba-what-you-need-to-know monthly 0.5 2025-12-31 https://www.newcapitalmgmt.com/news/small-caps-have-done-better-than-you-think monthly 0.5 2025-12-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/69ce927e-cc76-4e89-bf11-0bf363eb7289/Screenshot+2025-12-04+at+2.18.26%E2%80%AFPM.png The New Capital Journal - Small Caps Have Done Better Than You Think - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-to-navigate-rising-medicare-costs monthly 0.5 2025-12-31 https://www.newcapitalmgmt.com/news/protecting-your-inner-circle-from-financial-fraud monthly 0.5 2025-12-06 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e67ef47b-6213-49db-b6d3-70fe005e4eae/Screenshot+2025-12-04+at+3.21.14%E2%80%AFPM.png The New Capital Journal - Protecting Your Inner Circle From Financial Fraud - Make it stand out Note: This data is updated on a quarterly basis. Source: Consumer Sentinel Network Data Book 2024, Federal Trade Commission, 2025; available at ftc.gov/reports/consumer-sentinel-network-data-book-2024. https://www.newcapitalmgmt.com/news/2025-conference-replays monthly 0.5 2025-12-11 https://www.newcapitalmgmt.com/news/sometimes-it-helps-to-pay-less-attention monthly 0.5 2025-12-11 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/72835d41-5c9a-456f-b09a-4e25ec7e577b/Screenshot+2025-11-06+at+10.05.51%E2%80%AFAM.png The New Capital Journal - Sometimes It Helps to Pay Less Attention - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/5-tips-for-giving-smarter-at-year-end monthly 0.5 2025-12-11 https://www.newcapitalmgmt.com/news/6-ways-to-give-your-kids-a-financial-head-start monthly 0.5 2025-12-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7a05f8c4-7276-4e8f-9197-be4d438d06c0/Screenshot+2025-11-06+at+10.24.26%E2%80%AFAM.png The New Capital Journal - 6 Ways to Give Your Kids a Financial Head Start - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/41676e87-19cc-4304-afd3-6be6b44ab550/Screenshot+2025-11-06+at+10.29.22%E2%80%AFAM.png The New Capital Journal - 6 Ways to Give Your Kids a Financial Head Start - Make it stand out Although investing and compounding may help you grow your money, please remember that investing involves risk. You could lose money, investment returns are likely to fluctuate, and investing on a regular basis does not ensure you’ll make more money. These examples are hypothetical and don’t reflect the performance of any specific investment. Illustrations assume no withdrawals and continuous saving over the entire period shown. This hypothetical example of an early saver assumes the following: (1) A $500 contribution is made on January 1 every year from age 13 to 67. It does not take into account SECURE Act 2.0 indexing of catch-up contributions, which were implemented on January 1, 2025. (2) An annual rate of return of 7%, and (3) the ending values do not reflect taxes, fees, or inflation. If they did, amounts would be lower. Illustrations with a 7% rate of return also come with risk of loss. This hypothetical example of a later saver assumes the following: (1) A $500 contribution is made on January 1 and every year from age 25 to age 67, (2) an annual rate of return of 7%, and (3) the ending values do not reflect taxes, fees, or inflation. If they did, amounts would be lower. For hypothetical illustration only. Investing involves risk, including risk of loss. Source: Fidelity Investments. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/27184187-e43a-40c5-b36c-516e0374f2d9/Screenshot+2025-11-06+at+10.28.02%E2%80%AFAM.png The New Capital Journal - 6 Ways to Give Your Kids a Financial Head Start - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/know-the-rules-how-to-avoid-medicare-pitfalls monthly 0.5 2025-11-07 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3ac2f830-82e9-41d1-80e1-46d9a3358042/Screenshot+2025-11-06+at+10.52.06%E2%80%AFAM.png The New Capital Journal - Know the Rules: How to Avoid Medicare Pitfalls - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/irs-now-requires-electronic-payments monthly 0.5 2025-11-10 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/193de8e0-fabf-472c-b861-e6f76abce9ce/CM.png The New Capital Journal - IRS Now Requires Electronic Payments - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/government-shutdowns-and-investors monthly 0.5 2025-10-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a128c94b-1bb5-46d7-bcb9-d16a19f8aac6/government+shutdowns_govt+shutdowns.png The New Capital Journal - Government Shutdowns and Investors - Make it stand out Source: US House of Representatives https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2b573583-765f-42be-930c-7db38e52cc72/jurrien+timmer+govt+shutdowns.png The New Capital Journal - Government Shutdowns and Investors - Make it stand out Sources: FMR, Bloomberg https://www.newcapitalmgmt.com/news/quarterly-review-stocks-hit-fresh-highs-and-the-fed-makes-a-cut monthly 0.5 2025-10-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e35c0820-5658-4e03-8d6c-b31025ea7dd0/Screenshot+2025-10-01+at+12.28.47%E2%80%AFPM.png The New Capital Journal - Quarterly Review: Stocks Hit Fresh Highs, and the Fed Makes a Cut - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/rate-cuts-are-here monthly 0.5 2025-10-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1e4f2bd4-45d8-48b2-be8b-282c0cfd2d20/Jobs-data-for-Sept-25-Fed-meet.png The New Capital Journal - Rate Cuts Are Here - Make it stand out Jobs added represented by growth in nonfarm payrolls. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/62f2395d-a0f9-4205-99c0-122a1658d2b1/Inflation+data+for+Sept+25+Fed+meet.png The New Capital Journal - Rate Cuts Are Here - Make it stand out Inflation represented by the Personal Consumption Expenditures Index. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/71c72346-c550-4356-9df6-a9f351fdbbda/Fed+mtg+sept+2025_dot+plot.png The New Capital Journal - Rate Cuts Are Here - Make it stand out Source: Federal Reserve Board Summary of Economic Projections, September 2025 https://www.newcapitalmgmt.com/news/are-nvidias-earnings-big-enough-for-you monthly 0.5 2025-11-06 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c8a5bbbe-9757-4317-8496-3d603cfb311f/Screenshot+2025-10-01+at+1.47.04%E2%80%AFPM.png The New Capital Journal - Are NVIDIA’s Earnings Big Enough for You? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/ai-is-everywhere-including-your-portfolio monthly 0.5 2025-10-06 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2d471f38-f2ff-405d-84e2-97dffe56be22/Screenshot+2025-09-05+at+2.53.58%E2%80%AFPM.png The New Capital Journal - AI Is Everywhere, Including Your Portfolio - Make it stand out Holdings are subject to change. https://www.newcapitalmgmt.com/news/stagflation-not-the-1970s monthly 0.5 2025-10-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fd0777c4-ca37-4974-9da5-a2cf800fdb6c/Screenshot+2025-09-05+at+3.00.50%E2%80%AFPM.png The New Capital Journal - Stagflation: Not the 1970s - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/one-big-beautiful-bill-obbb-impact-on-charitable-giving monthly 0.5 2025-11-06 https://www.newcapitalmgmt.com/news/is-a-long-term-care-hybrid-policy-right-for-you monthly 0.5 2025-12-03 https://www.newcapitalmgmt.com/news/5-by-5-power-in-trust-what-you-need-to-know monthly 0.5 2025-09-05 https://www.newcapitalmgmt.com/news/2025-q2-market-review-from-partisan-politics-to-proactive-planning-and-portfolios monthly 0.5 2025-08-25 https://www.newcapitalmgmt.com/news/ncm360-enhancements-stronger-security-and-smarter-communications monthly 0.5 2026-03-15 https://www.newcapitalmgmt.com/news/what-the-new-tax-laws-mean-for-your-retirement-plan monthly 0.5 2025-08-01 https://www.newcapitalmgmt.com/news/the-power-of-human-ingenuity monthly 0.5 2025-08-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4f2e1bd8-a6df-4fbd-b930-86352dc0129e/Screenshot+2025-07-31+at+7.52.30%E2%80%AFPM.png The New Capital Journal - The Power of Human Ingenuity - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d594d91c-63a9-42e3-b08e-6dad1925afb3/Screenshot+2025-07-31+at+7.55.38%E2%80%AFPM.png The New Capital Journal - The Power of Human Ingenuity - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8e5d2819-f7be-46bc-b4d8-950f53e1ddb8/Screenshot+2025-07-31+at+7.58.02%E2%80%AFPM.png The New Capital Journal - The Power of Human Ingenuity - Make it stand out Past performance is not a guarantee of future results. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c178a7c1-19ff-4de4-809f-0b89fca0ad1f/Screenshot+2025-07-31+at+8.01.14%E2%80%AFPM.png The New Capital Journal - The Power of Human Ingenuity - Make it stand out Past performance is not a guarantee of future results. https://www.newcapitalmgmt.com/news/moving-out-of-state-time-to-review-your-estate-plan-329t6 monthly 0.5 2025-09-05 https://www.newcapitalmgmt.com/news/midyear-review-stocks-climb-is-challenged-during-volatile-first-half monthly 0.5 2025-09-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6c3eaf7e-baea-4bf1-9340-09b61b43967c/article_midyear-review-stocks-climb-stalls-during-volatile-first-half_e1.png The New Capital Journal - Midyear Review: Stocks’ Climb Is Challenged During Volatile First Half - Make it stand out Past performance is not a guarantee of future results. Sources: MSCI Emerging Markets Index (net div.), MSCI World ex USA Index (net div.), Russell 3000 Index. MSCI data © MSCI 2025, all rights reserved. In USD. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0bebaff9-b10c-4313-aebf-3ecdcda6672c/article_midyear-review-stocks-climb-stalls-during-volatile-first-half_e2.png The New Capital Journal - Midyear Review: Stocks’ Climb Is Challenged During Volatile First Half - Make it stand out Past performance is not a guarantee of future results. VIX Index data provided by the Chicago Board Options Exchange. ©2025 CBOE Exchange, Inc. All rights reserved. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. https://www.newcapitalmgmt.com/news/where-are-interest-rates-going-next monthly 0.5 2025-07-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b5abce38-1d90-4888-8b31-12824c310616/Screenshot+2025-07-02+at+1.26.01%E2%80%AFPM.png The New Capital Journal - Where Are Interest Rates Going Next? - Make it stand out Inflation rate is defined as the year-over-year change in the Consumer Price Index (CPI), which is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. Inflation expectations represent the median expected change in prices over the next 12 months, based on the University of Michigan Surveys of Consumers. Data as of June 16, 2025. Sources: US Bureau of Labor Statistics, University of Michigan. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/963bcc08-aa33-4ef0-9bc0-6de2918e37f7/Screenshot+2025-07-02+at+1.27.56%E2%80%AFPM.png The New Capital Journal - Where Are Interest Rates Going Next? - Make it stand out Source: Federal Reserve Open Market Committee Summary of Economic Projections, June 18, 2025. https://www.newcapitalmgmt.com/news/how-likely-are-you-to-have-an-extended-long-term-care-need monthly 0.5 2025-08-01 https://www.newcapitalmgmt.com/news/moving-out-of-state-time-to-review-your-estate-plan monthly 0.5 2025-08-01 https://www.newcapitalmgmt.com/news/the-best-states-to-retire-for-taxes monthly 0.5 2025-09-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b4c8bf3e-c106-4c70-a8e3-23e430101095/best-states-to-retire-060425-retirement-taxes.png The New Capital Journal - The Best States to Retire for Taxes - Make it stand out An effective tax rate that includes federal income brackets and state income tax brackets as well as state income tax treatment of IRA withdrawals is used. We assume that state adjusted gross income (AGI) is the same as the federal AGI and that the only deduction that applies is the federal standard deduction based on filing status ($29,200 for married filing jointly (MFJ) or $14,600 for single). We assume further that the additional federal standard deduction for age is included ($1,550 for both members of an MFJ household, or one deduction of $1,950 for single filers) and no federal tax credits are claimed. Note that while we model 2 additional standard deductions for MFJ filers, households may have only one or none, depending on the age of each spouse. All data is as of 2024. Tax law may have changed between 2024 and the publishing date of the article. For states with AGI-based phaseouts on IRA exemptions, such as Virginia and New Jersey, the phaseout is not considered and the exemption is fully applied. For certain states, such as Connecticut, Rhode Island, Wisconsin, and Montana, no exemption is applied. Where a maximum exemption amount differs by filing status, the maximum for a single filer is used. For Connecticut, the analysis does not account for the phaseout of the lowest bracket or either of the benefit recaptures when calculating the tax liability. For Arkansas, the analysis blends the lower-earning tax rate schedule with the higher-earning schedule for the purposes of calculating tax liability. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3f5eb7ac-a976-4616-9567-a7965fd79daa/best+states+to+retire+060425_Highest+retirement+tax+rates.png The New Capital Journal - The Best States to Retire for Taxes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8b7a7afd-2eb0-482c-8ddc-9509dc93db30/best+states+to+retire+060425_lowest+retirement+tax+rates.png The New Capital Journal - The Best States to Retire for Taxes - Make it stand out Charts assume IRA withdrawals of $100,000, which is generally subject to income taxation, unless a state has a specific treatment. An effective tax rate that includes federal income brackets and state income tax brackets as well as state income tax treatment of IRA withdrawals is used. We assume that state adjusted gross income (AGI) is the same as the federal AGI and that the only deduction that applies is the federal standard deduction based on filing status ($29,200 for married filing jointly (MFJ) or $14,600 for single). We assume further that the additional federal standard deduction for age is included ($1,550 for both members of an MFJ household, or one deduction of $1,950 for single filers) and no federal tax credits are claimed. Note that while we model 2 additional standard deductions for MFJ filers, households may have only one or none, depending on the age of each spouse. All data is as of 2024. Tax law may have changed between 2024 and the publishing date of the article. For states with AGI-based phaseouts on IRA exemptions, such as Virginia and New Jersey, the phaseout is not considered and the exemption is fully applied. For certain states, such as Connecticut, Rhode Island, Wisconsin, and Montana, no exemption is applied. Where a maximum exemption amount differs by filing status, the maximum for a single filer is used. For Connecticut, the analysis does not account for the phaseout of the lowest bracket or either of the benefit recaptures when calculating the tax liability. For Arkansas, the analysis blends the lower-earning tax rate schedule with the higher-earning schedule for the purposes of calculating tax liability. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/290739eb-7ad2-42c9-bef3-1de11913b71d/best+states+to+retire+060425_price+of+being+single.png The New Capital Journal - The Best States to Retire for Taxes - Make it stand out Charts assume IRA withdrawals of $100,000, which is generally subject to income taxation, unless a state has a specific treatment. An effective tax rate that includes federal income brackets and state income tax brackets as well as state income tax treatment of IRA withdrawals is used. We assume that state adjusted gross income (AGI) is the same as the federal AGI and that the only deduction that applies is the federal standard deduction based on filing status ($29,200 for married filing jointly (MFJ) or $14,600 for single). We assume further that the additional federal standard deduction for age is included ($1,550 for both members of an MFJ household, or one deduction of $1,950 for single filers) and no federal tax credits are claimed. Note that while we model two additional standard deductions for MFJ filers, households may have only one or none, depending on the age of each spouse. All data is as of 2024. Tax law may have changed between 2024 and the publishing date of the article. For states with AGI-based phaseouts on IRA exemptions, such as Virginia and New Jersey, the phaseout is not considered and the exemption is fully applied. For certain states, such as Connecticut, Rhode Island, Wisconsin, and Montana, no exemption is applied. Where a maximum exemption amount differs by filing status, the maximum for a single filer is used. For Connecticut, the analysis does not account for the phaseout of the lowest bracket or either of the benefit recaptures when calculating the tax liability. For Arkansas, the analysis blends the lower-earning tax rate schedule with the higher-earning schedule for the purposes of calculating tax liability. https://www.newcapitalmgmt.com/news/navigating-volatility-learning-from-history monthly 0.5 2025-12-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6bd6fa30-86b0-4a6a-a7a4-c348cb9996de/Screenshot+2025-05-30+at+1.04.57%E2%80%AFPM.png The New Capital Journal - Navigating Volatility: Learning From History - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5ee829e0-e047-40c0-bc89-e4edc7e78834/Screenshot+2025-05-30+at+1.05.09%E2%80%AFPM.png The New Capital Journal - Navigating Volatility: Learning From History - Make it stand out Source: Morningstar as of 4/30/25. U.S. stocks represented by the S&P 500 Index. Index performance is for illustrative purposes only. Index performance does not reflect any management fees, transaction costs or expenses. Indexes are unmanaged and one cannot invest directly in an index. Past performance does not guarantee future results https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2994fa41-af17-4c4c-bcbd-db0760835b2c/Screenshot+2025-05-30+at+1.05.21%E2%80%AFPM.png The New Capital Journal - Navigating Volatility: Learning From History - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/994b3f9a-97f3-4e90-810f-d23aaa86f8c8/Screenshot+2025-05-30+at+1.05.40%E2%80%AFPM.png The New Capital Journal - Navigating Volatility: Learning From History - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/recession-and-markets monthly 0.5 2025-05-30 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/447c1178-12b8-433a-afab-7885de26cb8c/Screenshot+2025-05-30+at+1.15.52%E2%80%AFPM.png The New Capital Journal - Recession and Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/does-the-us-debt-downgrade-matter-for-investors monthly 0.5 2025-07-03 https://www.newcapitalmgmt.com/news/10-estate-plan-pitfalls-to-avoid monthly 0.5 2025-07-02 https://www.newcapitalmgmt.com/news/top-8-reasons-to-have-a-trust monthly 0.5 2025-07-03 https://www.newcapitalmgmt.com/news/2025-are-international-equities-and-us-value-stocks-back monthly 0.5 2025-06-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/40c5fe07-c0d1-469c-9640-9df6d9c9e9d0/Screenshot+2025-05-01+at+2.48.19%E2%80%AFPM.png The New Capital Journal - 2025: Are International Equities and U.S. Value Stocks Back? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/89837e3b-34a3-462e-8cae-97c118a64e05/Screenshot+2025-05-01+at+2.52.03%E2%80%AFPM.png The New Capital Journal - 2025: Are International Equities and U.S. Value Stocks Back? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/04143006-6136-4ddd-86ad-4e6035ebaf62/Screenshot+2025-05-01+at+2.54.53%E2%80%AFPM.png The New Capital Journal - 2025: Are International Equities and U.S. Value Stocks Back? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-happened-during-the-past-us-tariff-experiments monthly 0.5 2025-11-06 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f7bce91e-4200-400a-b840-7d2fe5b7b76e/OTMI-04232025-graph.jpeg The New Capital Journal - What Happened During the Past U.S. Tariff Experiments? - Make it stand out Source: Goldman Sachs Investment Research, United States International Trade Commission, J.P. Morgan Asset Management. For illustrative purposes only. *Earliest available data for this series is as of 1891. Estimate: Estimates about which goods are USMCA compliant come from Goldman Sachs Investment Research. Imports for consumption: goods brought into a country for direct use or sale in the domestic market. Figures are based on 2024 import levels and assume no change in demand due to tariff increases. Forecasts are based on current data and assumptions about future economic conditions. Actual results may differ materially due to changes in economic, market, and other conditions. Data are as of April 21, 2025. https://www.newcapitalmgmt.com/news/beyond-the-first-grant monthly 0.5 2025-09-05 https://www.newcapitalmgmt.com/news/when-should-children-receive-their-inheritance monthly 0.5 2025-06-02 https://www.newcapitalmgmt.com/news/2024-q4-market-review-8jjwa monthly 0.5 2025-07-31 https://www.newcapitalmgmt.com/news/quarterly-review-after-a-promising-start-to-the-year-market-gains-fade monthly 0.5 2025-06-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f7054d6a-e0dd-4ca1-a562-fc756f722312/Screenshot+2025-04-02+at+10.04.07%E2%80%AFAM.png The New Capital Journal - Quarterly Review: After a Promising Start to the Year, Market Gains Fade - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/is-the-federal-reserve-fed-concerned-about-policy-uncertainty-in-washington monthly 0.5 2025-06-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/76a229d5-317d-4413-8056-32d07559a823/OTMI_3.20.25+graph.png The New Capital Journal - Is the Federal Reserve (Fed) concerned about policy uncertainty in Washington? - Make it stand out Source: Bloomberg, Federal Reserve, J.P. Morgan Asset Management. Expected inflation calculated as the difference between the yield on a nominal Treasury and the yield on a TIPS with the same maturity. Data are as of March 19, 2025. https://www.newcapitalmgmt.com/news/maximize-estate-planning-strategies-amid-new-tax-legislation monthly 0.5 2025-12-03 https://www.newcapitalmgmt.com/news/did-you-transfer-your-home-to-a-trust-heres-why-you-should-update-your-home-insurance-policy-asap monthly 0.5 2025-05-01 https://www.newcapitalmgmt.com/news/what-is-a-slat-spousal-lifetime-access-trust-strategy-for-couples monthly 0.5 2025-04-22 https://www.newcapitalmgmt.com/news/rolling-over-your-401k-take-these-4-key-steps-to-avoid-costly-tax-mistakes monthly 0.5 2025-04-22 https://www.newcapitalmgmt.com/news/financial-vigilance-in-a-changing-world monthly 0.5 2025-04-22 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1bd2d7b5-593f-4957-b561-7f4bf80f0fcf/LG-sig2.jpg The New Capital Journal - Financial Vigilance in a Changing World: Our Commitment to You - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/6-tips-to-navigate-volatile-markets monthly 0.5 2025-05-30 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/95b00ca3-9298-44a7-99b4-cd20b28ea9e3/SP500+long+term+July+2024.png The New Capital Journal - 6 Tips to Navigate Volatile Markets - Make it stand out Source: Fidelity Investments. Past performance is no guarantee of future results. See footnote 1 for details. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c24dc24d-b87c-4893-9b50-7cecb2e84027/diversified+portfolio+risk+aug+2024+footnote+2.png The New Capital Journal - 6 Tips to Navigate Volatile Markets - Make it stand out Data source: Fidelity Investments and Morningstar Inc. 2024 (1926–2023).2 Past performance is no guarantee of future results. Returns include the reinvestment of dividends and other earnings. This chart is for illustrative purposes only. It is not possible to invest directly in an index. Time periods for best and worst returns are based on calendar year. For information on the indexes used to construct this table, see data source.2 The purpose of the target asset mixes is to show how target asset mixes may be created with different risk and return characteristics to help meet a participant's goals. You should choose your own investments based on your particular objectives and situation. Remember, you may change how your account is invested. Be sure to review your decisions periodically to make sure they are still consistent with your goals. You should also consider any investments you may have outside the plan when making your investment choices. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ead5945b-7eea-407e-9d2c-4ebe11a04b3c/missing+best+days+Sept_2024_footnote+1.png The New Capital Journal - 6 Tips to Navigate Volatile Markets - Make it stand out Stock returns represented by the S&P 500® index from January 1,1980–December 31, 2023. Past performance is not a guarantee of future results. Source: Fidelity, Asset Allocation Research Team, Bloomberg as of 12/31/23. The hypothetical example assumes an investment that tracks the returns of the S&P 500® Index and includes dividend reinvestment but does not reflect the impact of taxes, which would lower these figures. “Best days” were determined by using the one-day total returns for the S&P 500® Index within this time period and ranking them from highest to lowest. There is volatility in the market and a sale at any point in time could result in a gain or loss. Your own investment experience will differ, including the possibility of losing money. It is not possible to invest directly in an index. All indexes are unmanaged. See footnote 1 for details. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ed4ef5c5-fe2c-4825-bb00-2b74e4c26193/501_NEWBAR+footnote+3.png The New Capital Journal - 6 Tips to Navigate Volatile Markets - Make it stand out For illustrative purposes only. Recession dates from the National Bureau of Economic Research (NBER). Past performance is no guarantee of future results. It is not possible to invest directly in an index. All indexes are unmanaged. See footnote 3 for index information. S&P 500 index monthly total returns from 12/31/49 to 12/31/19. Source: Bloomberg Finance, L.P. https://www.newcapitalmgmt.com/news/what-are-the-investment-implications-of-higher-tariffs monthly 0.5 2025-04-22 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/bb04f72d-18ca-4a80-9675-19c640c990db/OTMI+3.4.25+GRAPH.png The New Capital Journal - What are the Investment Implications of Higher Tariffs? - Make it stand out Source: UN COMTRADE, J.P. Morgan Asset Management. Food and beverages include food, live animals, beverages, tobacco, animal and vegetable oils, fats, and waxes. Commodities include mineral fuels and related materials, crude materials, and commodities and transactions. Data are as of March 4, 2025. https://www.newcapitalmgmt.com/news/why-bitcoin-a-perspective-from-model-portfolio-builders monthly 0.5 2025-05-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/02ae4079-4632-4a83-aeae-cf4478d9b1bc/Screenshot+2025-03-07+at+11.26.47%E2%80%AFAM.png The New Capital Journal - Why Bitcoin? A Perspective From Model Portfolio builders - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d67d84e9-946d-4bff-839d-b356155b4b86/Screenshot+2025-03-07+at+11.30.51%E2%80%AFAM.png The New Capital Journal - Why Bitcoin? A Perspective From Model Portfolio builders - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/should-you-gift-your-appreciated-assets-during-your-lifetime monthly 0.5 2025-04-22 https://www.newcapitalmgmt.com/news/tax-forms monthly 0.5 2025-04-22 https://www.newcapitalmgmt.com/news/top-10-reasons-to-have-a-will monthly 0.5 2025-05-02 https://www.newcapitalmgmt.com/news/how-would-tariffs-impact-mexico-and-canada monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4f448515-e043-48f4-b88b-6bf56e7f5619/MI_OTMI_012425.png The New Capital Journal - How Would Tariffs Impact Mexico and Canada? - Make it stand out Source: Peterson Institute for International Economics. Warwick McKibbin, Megan Hogan, and Marcus Noland. The international economic implications of a second Trump presidency, PIIE Working Paper 24-20. Estimates are as of January 17, 2025. https://www.newcapitalmgmt.com/news/can-you-predict-postelection-winners monthly 0.5 2025-04-22 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9c34a49b-1a84-4817-bc27-c2ed0fcce84f/Screenshot+2025-01-31+at+9.06.33%E2%80%AFPM.jpg The New Capital Journal - Can You Predict Post-election Winners? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/2024-q4-market-review monthly 0.5 2025-06-16 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b5bf4923-1205-4cc0-9e40-f563ffacf886/Screenshot+2025-02-01+at+12.49.37%E2%80%AFAM.png The New Capital Journal - 2024 Year End Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9f1ef5f0-6dc8-48c8-9816-57f5e79bdaff/Screenshot+2025-02-01+at+12.51.35%E2%80%AFAM.png The New Capital Journal - 2024 Year End Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/deepseek-or-swim-has-the-ai-thesis-fundamentally-changed monthly 0.5 2025-04-22 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ee65bb5f-30d4-435d-9fb2-c926c2a91e68/Screenshot+2025-01-31+at+9.20.21%E2%80%AFPM.jpg The New Capital Journal - DeepSeek or Swim: Has the AI Thesis Fundamentally Changed? - Make it stand out Source: J.P. Morgan Asset Management, Google, OpenAI, Anthropic, DeepSeek. LLMs typically price their API access based on the number of "tokens" processed. A token roughly represents a word or part of a word. Data are as of January 27, 2025 https://www.newcapitalmgmt.com/news/https/trustandwillcom/learn/advance-directive-vs-living-will monthly 0.5 2025-04-22 https://www.newcapitalmgmt.com/news/california-fires monthly 0.5 2026-02-25 https://www.newcapitalmgmt.com/news/2025-key-numbers monthly 0.5 2025-01-02 https://www.newcapitalmgmt.com/news/5-potential-surprises-for-2025 monthly 0.5 2025-05-30 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c1bedde4-a955-4e75-a4ff-3fed27d75508/Fidelity1.png The New Capital Journal - 5 Potential Surprises for 2025 - Make it stand out Source: University of Michigan, Macrobond, Fidelity Investments (AART), as of October 31, 2024. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/97a61b11-4564-4853-854d-297806b748b7/fidelity-2.png The New Capital Journal - 5 Potential Surprises for 2025 - Make it stand out Source: US Congressional Budget Office (CBO), Fidelity Investments (AART), as of October 31, 2024. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2ffac039-6638-4239-a7e3-91b9b9cef9dd/fidelity-3.png The New Capital Journal - 5 Potential Surprises for 2025 - Make it stand out Highlighted dots are US 10-year Treasury bond yields. AART long-term forecast refers to an estimate for US nominal GDP (4.4%). Source: Official Country Estimates, Haver Analytics, Fidelity Investments (AART), as of October 31, 2024. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/43fafcd3-8d87-4b4a-9de4-63d77fc9d17e/fidelity-4.png The New Capital Journal - 5 Potential Surprises for 2025 - Make it stand out Price-to-earnings ratio is stock price divided by earnings per share, and indicates how much investors are paying for a company's earnings power. Cyclically adjusted earnings are 10-year averages adjusted for inflation. Sources: FactSet, countries' statistical organizations, MSCI, Fidelity Investments (AART), as of October 31, 2024. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/131e75dd-8507-470c-a04b-a0c854ed17aa/fidelity-5.png The New Capital Journal - 5 Potential Surprises for 2025 - Make it stand out Past performance is no guarantee of future results. Green bars represent the number of months US stocks relative to bonds reached the specified rolling 20-year return on the X axis. Data was calculated monthly. Returns were calculated as geometric average returns. US stocks represented by the Dow Jones US Total Stock Market Index; Investment-grade bonds represented by the Bloomberg US Aggregate Bond Index. Source: Fidelity Investments (AART) as of April 30, 2024. https://www.newcapitalmgmt.com/news/2025-economic-and-market-outlook monthly 0.5 2025-04-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4ad4d934-cf25-45f6-ac27-ae97b91e23cd/Screenshot+2024-12-31+at+3.00.36%E2%80%AFPM.png The New Capital Journal - 2025 Economic and Market Outlook - Make it stand out Notes: Forecasts are as of December 2, 2024. For the U.S., GDP growth is defined as the year-over-year change in fourth-quarter GDP. For all other countries/regions, GDP growth is defined as the annual change in GDP in the forecast year compared with the previous year. Unemployment rate forecasts are the average for the fourth quarter of 2025. NAIRU is the nonaccelerating inflation rate of unemployment, a measure of labor market equilibrium. Core inflation excludes volatile food and energy prices. For the U.S., euro area, U.K., and Japan, core inflation is defined as the year-over-year change in the fourth quarter compared with the previous year. For China, core inflation is defined as the average annual change compared with the previous year. For the U.S., core inflation is based on the core Personal Consumption Expenditures Index. For all other countries/regions, core inflation is based on the core Consumer Price Index. For U.S. monetary policy, Vanguard’s forecast refers to the top end of the Federal Open Market Committee’s target range. China’s policy rate is the seven-day reverse repo rate. The neutral rate is the equilibrium policy rate at which no easing or tightening pressures are being placed on an economy or its financial markets. Source: Vanguard. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4bb040d4-e52c-492b-be3e-3d0b83086249/Screenshot+2024-12-31+at+3.02.28%E2%80%AFPM.png The New Capital Journal - 2025 Economic and Market Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6fac9fbb-42de-492a-9892-271941b9eeb8/Screenshot+2024-12-31+at+3.03.32%E2%80%AFPM.png The New Capital Journal - 2025 Economic and Market Outlook - Make it stand out IMPORTANT: The projections or other information generated by the Vanguard Capital Markets Model regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Distribution of return outcomes from the VCMM are derived from 10,000 simulations for each modeled asset class. Simulations are as of November 8, 2024. Results from the model may vary with each use and over time. For more information, please see the Notes section. https://www.newcapitalmgmt.com/news/look-alive-preretirees-an-additional-savings-option-is-coming-in-2025 monthly 0.5 2025-03-07 https://www.newcapitalmgmt.com/news/6-ways-the-new-trump-administration-could-impact-your-retirementwill- monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/what-is-a-charitable-bequest-why-should-you-care monthly 0.5 2025-01-31 https://www.newcapitalmgmt.com/news/2024-year-end-planning monthly 0.5 2024-12-01 https://www.newcapitalmgmt.com/news/qualified-charitable-distributions-the-tax-savvy-way-to-give-back monthly 0.5 2024-12-01 https://www.newcapitalmgmt.com/news/warren-buffetts-estate-planning-advice monthly 0.5 2024-12-01 https://www.newcapitalmgmt.com/news/inheritance-desires-what-do-americans-really-want monthly 0.5 2024-12-31 https://www.newcapitalmgmt.com/news/could-higher-tariffs-reverse-the-feds-easing-course monthly 0.5 2025-01-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9cc330e6-ebf6-4279-b876-2f11b3dcdf9d/Screen+Shot+2024-11-30+at+11.14.25+AM.png The New Capital Journal - Could Higher Tariffs Reverse the Fed's Easing Course? - Make it stand out Source: McKibbin, Warwick, Megan Hogan, and Marcus Noland. "The International Economic Implications of a Second Trump Presidency." Peterson Institute for International Economics, September 2024. Please note that while this visual helps illustrate the potential effects of retaliation in accentuating first-round inflationary effect of U.S. tariffs, it should not be interpreted as a comprehensive projection of inflation pathways. Please see the source paper for full details on model projections. Given the inherent uncertainties and risks associated with forecasts, projections or other forward-looking statements, actual events, results or performance may differ materially from those reflected or contemplated. Data are as of November 19, 2024. https://www.newcapitalmgmt.com/news/will-you-owe-taxes-when-you-sell-your-home monthly 0.5 2024-12-31 https://www.newcapitalmgmt.com/news/2024-conference-replays monthly 0.5 2025-11-05 https://www.newcapitalmgmt.com/news/vote-with-your-ballot-not-your-life-savings monthly 0.5 2024-11-02 https://www.newcapitalmgmt.com/news/with-the-economy-so-strong-why-dont-americans-feel-better monthly 0.5 2024-11-30 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/50814736-bcc0-4ac7-977d-7f57a29a4fc1/OTMI+10.25.24+GRAPH.png The New Capital Journal - With the economy so strong, why don’t Americans feel better? - Make it stand out Source: Federal Reserve Distributional Financial Accounts, J.P. Morgan Asset Management. Data are as of October 25, 2024. https://www.newcapitalmgmt.com/news/remembering-john-mac-mcquown monthly 0.5 2025-01-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7b50cf17-fea7-4baa-8f6d-e01573659caa/unnamed.jpg The New Capital Journal - Remembering John “Mac” McQuown, Whose Curiosity Drove a Life of Innovation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b7e0a97a-8b8c-4d4d-9601-6ad2a5e1a11b/Mac+with+David+Booth%2C+center%2C+and+Myron+Scholes+in+the+early+1980s.+Earlier%2C+they+had+worked+together+on+a+team+Mac+assembled+at+Wells+Fargo.jpg The New Capital Journal - Remembering John “Mac” McQuown, Whose Curiosity Drove a Life of Innovation - Make it stand out Mac with David Booth, center, and Myron Scholes in the early 1980s. Earlier, they had worked together on a team Mac assembled at Wells Fargo. Source: Dimensional archives https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d40e719d-5667-4991-a971-f9cc678f09a1/Mac+became+a+mentor+to+David+Booth+and+helped+him+start+Dimensional%2C+offering+guidance+and+funding+while+also+serving+as+a+founding+Director.jpg The New Capital Journal - Remembering John “Mac” McQuown, Whose Curiosity Drove a Life of Innovation - Make it stand out Mac became a mentor to David Booth and helped him start Dimensional, offering guidance and funding while also serving as a founding Director. Source: ©AlexandraWyman/BerlinerStudio/BEImages https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/36c0ffed-d687-4507-888a-024db615c587/Mac+and+his+wife%2C+Leslie%2C+began+purchasing+land+in+Northern+California+in+the+1990s.+They+went+on+to+found+Stone+Edge+Farm%2C+which+produces+wine+and+also+has+its+own+microgrid%2C+allowing+it+to+operate+solely+on+energy+generated+at+the+farm.jpg The New Capital Journal - Remembering John “Mac” McQuown, Whose Curiosity Drove a Life of Innovation - Make it stand out Mac and his wife, Leslie, began purchasing land in Northern California in the 1990s. They went on to found Stone Edge Farm, which produces wine and also has its own microgrid, allowing it to operate solely on energy generated at the farm. Source: McQuown family archives https://www.newcapitalmgmt.com/news/medicare-open-enrollment-what-to-know-as-you-enroll-for-2025 monthly 0.5 2024-11-30 https://www.newcapitalmgmt.com/news/q3-2024-review monthly 0.5 2024-10-07 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/87a47519-3d6e-4862-b7f8-190e4e1e80bf/Screenshot+2024-10-04+at+8.45.52%E2%80%AFPM.png The New Capital Journal - Q3 2024 Review - Make it stand out Past performance is not a guarantee of future results. In USD. US value and growth represented by the Fama/French US Value Research Index and the Fama/French US Growth Research Index, respectively. Data provided by Fama/French. The Fama/French indices represent academic concepts that may be used in portfolio construction and are not available for direct investment or for use as a benchmark. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. See “Index Descriptions” for descriptions of the Fama/French index data. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/17bd5ce5-5db5-4ecd-a990-a687a5bb6e5b/dfa-slides.png The New Capital Journal - Q3 2024 Review - Make it stand out View or Download the PDF File https://www.newcapitalmgmt.com/news/how-to-help-hurricane-helene monthly 0.5 2026-02-25 https://www.newcapitalmgmt.com/news/how-to-fund-a-trust-a-step-by-step-guide monthly 0.5 2024-11-30 https://www.newcapitalmgmt.com/news/key-rules-for-a-backdoor-roth-ira-contribution monthly 0.5 2024-11-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/34a63dac-3c62-4a34-9717-9fb55f7a8351/Screenshot+2024-10-04+at+4.40.15%E2%80%AFPM.png The New Capital Journal - Key Rules for a Backdoor Roth IRA Contribution - Make it stand out Tip: If the MAGI falls in the “partial” range, the IRA owner can contribute the eligible amount to a Roth IRA and the balance of the $7,000 (or $8,000 catch-up) to a traditional IRA. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/465201ac-4e6e-4d52-a57d-f57f380f6204/Screenshot+2024-10-04+at+4.41.21%E2%80%AFPM.png The New Capital Journal - Key Rules for a Backdoor Roth IRA Contribution - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/after-a-massive-breach-is-your-data-in-danger monthly 0.5 2025-05-01 https://www.newcapitalmgmt.com/news/is-the-strong-dollar-era-over monthly 0.5 2024-11-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fd0b74d2-fe81-462e-b0a3-62f6b3d1b372/Screenshot+2024-10-04+at+5.12.59%E2%80%AFPM.png The New Capital Journal - Is the strong-dollar era over? - Make it stand out Source: Bank of Canada, Bank of England, Bank of Japan, European Central Bank, Federal Reserve, FactSet, J.P. Morgan Asset Management. ECB announced a reduction in policy rate to 3.5% on Sep. 12, 2024, however, the change will be effective from Sep. 18, 2024. Data are as of September 17, 2024. https://www.newcapitalmgmt.com/news/can-ai-and-technology-stocks-keep-on-keeping-on monthly 0.5 2025-03-07 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d65fbfaf-7e57-48d0-954c-d63fcf390ef5/Screen+Shot+2024-09-01+at+12.19.42+PM.png The New Capital Journal - Can AI and Technology Stocks Keep On Keeping On? - Make it stand out Source: BlackRock Investment Institute, with data from LSEG Datastream, Aug. 5, 2024. Data is rebased to 100 at Jan. 1, 2023. Past performance is not indicative of current or future results. Indexes are unmanaged. It is not possible to invest directly in an index. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3840cc4a-ffd9-42c5-a770-ff42eed90c99/Screen+Shot+2024-09-01+at+12.20.32+PM.png The New Capital Journal - Can AI and Technology Stocks Keep On Keeping On? - Make it stand out Source: BlackRock Fundamental Equities, with data from FactSet as of July 31, 2024. Chart shows the enterprise value to revenue ratio of 1,040 public tech companies with a market capitalization over $1 billion. https://www.newcapitalmgmt.com/news/navigating-the-irs-rule-on-irrevocable-trusts monthly 0.5 2024-10-04 https://www.newcapitalmgmt.com/news/the-hidden-crisis-in-long-term-care monthly 0.5 2026-02-04 https://www.newcapitalmgmt.com/news/are-solar-panels-worth-it monthly 0.5 2024-12-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d2395ed4-5e98-4549-8318-a6ac858070f0/solar-worth-it-banner-800x285.jpg The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/56d7e549-0cb6-49b6-9821-e8cbc5ead14d/average+daily+use.png The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Hypothetical example for illustrative purposes. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/05ad708d-e6d8-41c2-865d-23cc2cccec8d/amount+of+power.png The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Hypothetical example for illustrative purposes. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/71d8458e-6257-4ef0-8382-9568f61e358b/number+of+panels.png The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Hypothetical example for illustrative purposes. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/924c3e88-9fbc-49f4-ab91-a97f0d415219/rough+estimate.png The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Hypothetical example for illustrative purposes. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b27e4752-a713-437d-92dc-efc2466210da/Screen+Shot+2024-09-01+at+12.36.04+PM.png The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/38d3cd4e-a774-48dd-b65b-3cb11f48a6ac/tax+credit.png The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Source: Fidelity Investments https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d87d5634-87c2-452e-8713-5c4d96297d7f/state+by+state+electricity+prices.png The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Source: US Energy Information Administration https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a1ce2838-988d-4b3f-adf8-07200c143edd/recouping+the+investment.png The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Hypothetical example for illustrative purposes. Assumes an initial cost of $21,000 financed with a 10-year loan at 9% interest. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9d60dceb-8088-41f5-8cf8-788a29118fca/annual+electricity+cost.png The New Capital Journal - Are Solar Panels Worth It? - Make it stand out Source: Fidelity Investments, based on a $156 monthly electric bill and factoring in 5% annual inflation for electricity. https://www.newcapitalmgmt.com/news/irs-expands-spousal-beneficiary-option monthly 0.5 2024-11-30 https://www.newcapitalmgmt.com/news/2024-q2-market-review monthly 0.5 2025-06-16 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c66b0b0b-4f2e-4276-b5d7-aab35dd8ff44/Screenshot+2024-08-01+at+10.59.06%E2%80%AFAM.png The New Capital Journal - 2024 Q2 Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/investing-during-an-uncertain-election-year monthly 0.5 2024-08-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c7e7046c-6781-4d50-9c8b-0bfad153476f/whitehouse.png The New Capital Journal - Investing During An Uncertain Election Year - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/83a60308-4521-4e8b-9ab2-15407bf26c6c/Screenshot+2024-07-31+at+7.19.47%E2%80%AFPM.png The New Capital Journal - Investing During An Uncertain Election Year - Make it stand out Past performance is no guarantee of future results. Data spans from November 30, 1950, to November 14, 2023. Years represent the 12-month period from November 30 to November 30 following a US presidential or midterm election. The chart depicts the average, minimum, and maximum price return achieved during this period. Stocks are represented by the S&P 500®. Indexes are unmanaged. It is not possible to invest in an index. Source: Haver, FactSet, FMR. As of November 14, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b95a17fe-ac7e-4163-83d4-214d102e215b/Screenshot+2024-07-31+at+7.21.07%E2%80%AFPM.png The New Capital Journal - Investing During An Uncertain Election Year - Make it stand out Past performance is no guarantee of future results. Each box represents 1 calendar year of performance for a calendar year that included a US presidential election. Underperforming indicates that price performance was lower than the S&P 500, while outperforming indicates price performance exceeded the S&P 500. Color of each box indicates whether a Democrat or Republican candidate was elected to the presidency that year. Real estate is omitted due to a lack of sufficient performance history, as it was not established as an independent sector until 2016. Each sector is represented by companies included in the S&P 500 that are classified as members of that sector. Source: Strategas Research Partners, as of November 5, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/eade4133-3f6f-4057-a330-9fae457bf9dd/Screenshot+2024-07-31+at+7.21.58%E2%80%AFPM.png The New Capital Journal - Investing During An Uncertain Election Year - Make it stand out Past performance is no guarantee of future results. Data excludes 2001 to 2002 due to Senator Jeffords changing parties in 2001. Calendar year performance from 1933 through 2022. Source: Strategas Research Partners, as of November 5, 2023. https://www.newcapitalmgmt.com/news/real-estate-commission-changes-around-the-corner monthly 0.5 2024-10-04 https://www.newcapitalmgmt.com/news/a-well-rounded-estate-plan-addresses-cognitive-decline monthly 0.5 2024-08-01 https://www.newcapitalmgmt.com/news/irs-finalizes-rmd-regulations-key-takeaways-and-the-10-year-rule-for-beneficiaries monthly 0.5 2024-08-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8516644b-b6f9-45f7-a3df-088717fc9990/Screenshot+2024-07-31+at+7.42.15%E2%80%AFPM.png The New Capital Journal - IRS Finalizes RMD Regulations: Key Takeaways and the 10-Year Rule for Beneficiaries - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/5-steps-to-help-instill-positive-values-in-your-kids-through-service monthly 0.5 2025-05-01 https://www.newcapitalmgmt.com/news/the-rebirth-of-american-manufacturing-growth-and-innovation monthly 0.5 2024-09-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/756a0929-1c25-457b-aab4-9e51a39d6019/Screenshot+2024-07-31+at+8.43.12%E2%80%AFPM.png The New Capital Journal - The Rebirth of American Manufacturing: Growth and Innovation - Make it stand out Chart Source: U.S. Bureau of Labor Statistics, 2024 Manufacturing Jobs, https://data.bls.gov/pdq/SurveyOutputServlet Chart Description: Line chart depicting manufacturing employment from 1939 to 2023, highlighting the year 1979 when the workforce reached its peak https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ae38b2bd-9f7a-4fbb-9728-77a5050d7224/Screenshot+2024-07-31+at+8.45.18%E2%80%AFPM.png The New Capital Journal - The Rebirth of American Manufacturing: Growth and Innovation - Make it stand out Chart Source: Deloitte, "Executing on the $2 trillion investment to boost American competitiveness," 03/16/2023 Chart Description: Bar chart showing the $USD amount invested in different manufacturing initiatives including the Infrastructure Investment and Jobs Act, Inflation Reduction Act, CHIPS and Science Act https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/af328727-329a-4cc6-8783-7d85fe0fc598/Screenshot+2024-07-31+at+8.46.11%E2%80%AFPM.png The New Capital Journal - The Rebirth of American Manufacturing: Growth and Innovation - Make it stand out Chart Source: Federal Reserve Bank of St. Louis, “Total Construction Spending: Manufacturing in the U.S., https://fred.stlouisfed.org/series/TLMFGCONS Chart Description: Shaded line chart depicting U.S. manufacturing spending from 2018 to 2024, highlighting that spending has tripled since January of 2020. https://www.newcapitalmgmt.com/news/hurricane-beryl monthly 0.5 2024-07-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ab94eac2-8f32-47ac-9bec-b9d2137e9bd1/beryl.jpg The New Capital Journal - Hurricane Beryl - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/LG-sig2.gif The New Capital Journal - Hurricane Beryl - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-i-see-when-i-watch-basketball-booth-awnep monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/323509e1-7344-45b7-9d06-efd5c94803a7/Screenshot+2024-07-05+at+2.53.09%E2%80%AFPM.png The New Capital Journal - Midyear Review: Stocks Maintain Momentum at Year’s Halfway Point - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/660d6c9a-630e-4c95-ada5-f00ad1c1622a/Screenshot+2024-07-05+at+2.56.14%E2%80%AFPM.png The New Capital Journal - Midyear Review: Stocks Maintain Momentum at Year’s Halfway Point - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/webinar-mmm-change monthly 0.5 2024-07-05 https://www.newcapitalmgmt.com/news/deysi-davila monthly 0.5 2024-07-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6d200cd0-7a2b-4d87-a2f6-0532f1151795/DD+-+original.jpg The New Capital Journal - Introducing Deysi Davila - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/tax-hikes-may-be-coming monthly 0.5 2024-07-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f7c514b9-bd25-4f13-abdc-267a331cdb1e/Screenshot+2024-07-05+at+3.31.17%E2%80%AFPM.png The New Capital Journal - Tax Hikes May Be Coming - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/169a9b32-55fe-4d84-bc59-22ad862e5210/Screenshot+2024-07-05+at+3.32.53%E2%80%AFPM.png The New Capital Journal - Tax Hikes May Be Coming - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/inheriting-a-house-galligan monthly 0.5 2024-07-31 https://www.newcapitalmgmt.com/news/dimensional-2024-matrix-book monthly 0.5 2024-07-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fdb4e14d-cb64-4fca-9c00-f48cb132f08e/Screenshot+2024-07-05+at+3.58.22%E2%80%AFPM.png The New Capital Journal - Dimensional 2024 Matrix Book - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9820e8f2-0c07-45a5-9614-3ef62eb429f3/matrix-inside-2024.png The New Capital Journal - Dimensional 2024 Matrix Book https://www.newcapitalmgmt.com/news/20-anniversary-celebration monthly 0.5 2024-07-29 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1717167910052-FKU4YBW4OYQE6JH8E9YP/TMH00803.JPG The New Capital Journal - 20th Anniversary Celebration https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1717167910193-7NC9FVMEP48B8HTPSQML/TMH00805.JPG The New Capital Journal - 20th Anniversary Celebration https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1717167911005-R3MOCUFG6PZBOKUHUBC7/TMH00809.JPG The New Capital Journal - 20th Anniversary Celebration https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1717167911283-BGK40NW6Z0H3GRETSIHO/TMH00814.JPG The New Capital Journal - 20th Anniversary Celebration https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1717167911828-POJP78LE2P6QA2M065Y0/TMH00818.JPG The New Capital Journal - 20th Anniversary Celebration https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1717167912459-9GF8X8EB6PXQ6STVAXZX/TMH00829.JPG The New Capital Journal - 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20th Anniversary Celebration https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1717167935009-808ZFYRBRA1OLKWM3EN8/TMH01010.JPG The New Capital Journal - 20th Anniversary Celebration https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1717167935626-FP8CVQT2ODQAQIP4KWNG/TMH01013.JPG The New Capital Journal - 20th Anniversary Celebration https://www.newcapitalmgmt.com/news/navigating-uncertainty-a-post-college-road-map monthly 0.5 2024-06-01 https://www.newcapitalmgmt.com/news/is-us-concentration-in-global-equity-indices-too-extreme monthly 0.5 2024-06-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/87f616db-0709-4c70-aebd-3decbac59a8f/Screenshot+2024-05-31+at+4.59.39%E2%80%AFPM.png The New Capital Journal - Is U.S. Concentration In Global Equity Indices Too Extreme? - Make it stand out Source: International Monetary Fund - World Economic Outlook April 2024, MSCI, World Federation of Exchanges, J.P. Morgan Asset Management. All weights are based on market cap and GDP in USD. Data are as of May 25, 2024. https://www.newcapitalmgmt.com/news/fidelity-charitable-giving-report-2024 monthly 0.5 2024-08-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b21f1b13-b672-4148-9da1-23056b0edbf9/Screenshot+2024-05-31+at+3.55.42%E2%80%AFPM.png The New Capital Journal - Fidelity Charitable 2024 Giving Report in donor-recommended grants. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f85894a9-f32f-4709-91b3-71e9e6fe61a3/Screenshot+2024-05-31+at+3.56.59%E2%80%AFPM.png The New Capital Journal - Fidelity Charitable 2024 Giving Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/12ff47f7-1228-4f32-bcda-bd6334353d9d/Screenshot+2024-05-31+at+3.57.48%E2%80%AFPM.png The New Capital Journal - Fidelity Charitable 2024 Giving Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a58f8f61-d19d-46e7-81c0-479493b1634c/Screenshot+2024-05-31+at+3.58.37%E2%80%AFPM.png The New Capital Journal - Fidelity Charitable 2024 Giving Report Since inception, $13.2 billion in non-publicly traded assets have been converted and $22.2 billion has been made available for granting through tax-free investment growth—that’s more than $35 billion in additional funds for charity over the lifetime of our organization. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2b693f25-26b3-4d5a-8896-4f8dbfa87b0c/Screenshot+2024-05-31+at+3.59.46%E2%80%AFPM.png The New Capital Journal - Fidelity Charitable 2024 Giving Report - Make it stand out *An analysis revealed that after 10 years, $89 has gone to charities and only $11 remains to be granted. This continuous flow of grant funds to charities is consistent from year to year—reflecting the steady support that donor-advised funds provide for the philanthropic sector. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/52c28264-60a8-456c-b90c-e54b7d758516/download-report.png The New Capital Journal - Fidelity Charitable 2024 Giving Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/tax-treatment-of-home-energy-rebates monthly 0.5 2024-07-31 https://www.newcapitalmgmt.com/news/what-to-know-about-t-plus-1-trade-settlement monthly 0.5 2024-06-01 https://www.newcapitalmgmt.com/news/2024-client-satisfaction-survey-results monthly 0.5 2024-05-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572619639978-6OBOPTUNKZ160SQQTN9P/cb+sig.jpg The New Capital Journal - 2024 Client Satisfaction Survey Results - Make it stand out Catherine Bahr https://www.newcapitalmgmt.com/news/2024-q1-market-review monthly 0.5 2025-06-16 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d5ae17cd-57f5-4653-bc2c-10a579f17795/Screenshot+2024-04-05+at+9.58.49%E2%80%AFAM.jpg The New Capital Journal - 2024 Q1 Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/is-inflation-reaccelerating monthly 0.5 2024-05-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/40be4b73-da16-4547-a120-3b1daaa237c8/Screen+Shot+2024-05-04+at+10.59.07+AM.jpg The New Capital Journal - Is Inflation Reaccelerating? - Make it stand out Source: BEA, BLS, Cleveland Fed, FactSet, J.P. Morgan Asset Management. (Left) *"Shelter" does not include the category for hotel lodging. (Right) Chart shows the "New Tenant Rent Index" and the "All Tenant Regressed Rent Index" from the BLS and Cleveland Fed. These indices use a repeat rent methodology which, compared to the CPI-Rent of Primary Residence Index that uses a weighted average of the sixth root of changes in economic rent, mitigates bias from sample composition changes. See https://www.bls.gov/pir/new-tenant-rent.htm for full details. Data are as of April 30, 2024. https://www.newcapitalmgmt.com/news/jump-start-a-roth-ira-with-a-529-rollover monthly 0.5 2024-05-05 https://www.newcapitalmgmt.com/news/im-65-and-still-working-should-i-enroll-in-medicare2 monthly 0.5 2024-07-31 https://www.newcapitalmgmt.com/news/how-much-does-a-funeral-really-cost monthly 0.5 2024-09-01 https://www.newcapitalmgmt.com/news/jaycee-smalley-vice-president monthly 0.5 2024-05-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/41580345-e1e6-4ea4-ba1c-158e59916be2/JC---5x7.jpg The New Capital Journal - Jaycee Smalley, Vice President - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/LG-sig2.gif The New Capital Journal - Jaycee Smalley, Vice President - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/2024-q1-market-review-dimensional monthly 0.5 2025-07-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d5ae17cd-57f5-4653-bc2c-10a579f17795/Screenshot+2024-04-05+at+9.58.49%E2%80%AFAM.jpg The New Capital Journal - Q1 Quarterly Market Review - Make it stand out Click to view/download PDF https://www.newcapitalmgmt.com/news/estate-planning-step-save monthly 0.5 2024-07-03 https://www.newcapitalmgmt.com/news/what-i-see-when-i-watch-basketball-booth monthly 0.5 2024-05-04 https://www.newcapitalmgmt.com/news/10-tax-moves-for-2024 monthly 0.5 2024-07-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d8b1ecf7-be17-4a97-acb7-30382793aaba/Screen+Shot+2024-04-05+at+9.36.20+AM.png The New Capital Journal - 10 Tax Moves for 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/acfbafd9-437f-4d14-bf32-ac7158cadaab/Screen+Shot+2024-04-05+at+9.37.16+AM.png The New Capital Journal - 10 Tax Moves for 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/when-will-the-federal-reserve-start-cutting-interest-rates monthly 0.5 2024-05-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/37514b6a-1217-48c2-ad06-f5f9ac079ddb/Screen+Shot+2024-04-05+at+9.25.46+AM.png The New Capital Journal - When Will The Federal Reserve Start Cutting Interest Rates? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/casey-moss-pace monthly 0.5 2026-02-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ceb7219b-25e9-4c70-a61f-a68feac31f5b/Casey-PACE.png The New Capital Journal - Casey Moss, PACE - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/LG-sig2.gif The New Capital Journal - Casey Moss, PACE - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/are-there-opportunities-outside-the-magnificent-7-and-outside-the-us monthly 0.5 2024-03-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/12adf929-9a30-4360-9a22-ee49f48d596a/Screenshot+2024-03-01+at+10.23.56%E2%80%AFAM.png The New Capital Journal - Are There Opportunities Outside the “Magnificent 7” and Outside the U.S.? - Make it stand out Source: FactSet, MSCI, Global Equities - J.P. Morgan Asset Management. Companies ranked in no particular order. 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Morgan Asset Management. Large cap: S&P 500, Small cap: Russell 2000, Growth: Russell 1000 Growth, Value: Russell 1000 Value, EM Equity: MSCI EM Equity (USD), Europe: MSCI Europe Equity (USD), Japan: MSCI Japan Equity (USD), U.S. Agg: Bloomberg US Aggregate, High Yield: Bloomberg U.S. HY Index, Cash: Bloomberg 1-3m Treasury, EM Debt (LCL): Bloomberg EM Local Currency Government, Euro Agg. (LCL): Bloomberg Euro Aggregate Government Treasury. Data are as of January 30, 2024. https://www.newcapitalmgmt.com/news/social-security-is-taxable-dont-be-caught-off-guard monthly 0.5 2024-02-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3f2f7a52-66ea-49be-9927-96be61cdde18/Screenshot+2024-02-02+at+11.26.38%E2%80%AFAM.png The New Capital Journal - Social Security Is Taxable? 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Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a07d9ea2-3d7f-47d5-99be-517eb394d354/Screenshot+2024-02-02+at+10.31.16%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ced866ac-6af0-47e1-8631-8fd6b1ce9d0d/Screenshot+2024-02-02+at+10.31.22%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/64bdb535-b5bc-4d92-aeb7-62315bf68db1/Screenshot+2024-02-02+at+10.31.28%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b49035e3-f8a1-4f6d-9251-d3c5c1c1b30f/Screenshot+2024-02-02+at+10.34.04%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/bfe40974-2953-4798-bedd-e18b6e388cc7/Screenshot+2024-02-02+at+10.35.22%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ee04768d-1aee-4a51-b997-325549c5896d/Screenshot+2024-02-02+at+10.34.19%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ce6eb36a-352d-4f54-ad23-44a0212e7892/Screenshot+2024-02-02+at+10.37.46%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0f9aabd9-b179-4da2-ad90-2f365e38c09d/Screenshot+2024-02-02+at+10.37.56%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4f5c4d5e-3bfc-4255-b5a5-4b4846c09ee2/Screenshot+2024-02-02+at+10.38.03%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4e154456-211d-4768-b904-b3e908fac6f6/Screenshot+2024-02-02+at+10.39.11%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/82f2e2f5-f8ef-4902-a95f-61709014deb5/Screenshot+2024-02-02+at+10.39.22%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/98c14ad0-0b6e-433c-a8c8-4ddbd6d07b69/Screenshot+2024-02-02+at+10.40.33%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c8fa1276-4a28-4a59-a1ec-2cd6674a7380/Screenshot+2024-02-02+at+10.40.42%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d22d08d3-3b9c-46dc-af86-ef9ed5cb6f39/Screenshot+2024-02-02+at+10.42.40%E2%80%AFAM.png The New Capital Journal - Parenting and Philanthropy - Growing the Next Generation of Givers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/investing-in-an-election-year monthly 0.5 2024-03-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/28e459bd-d0f7-4948-8307-d3c79beb8122/Screenshot+2024-02-02+at+11.47.28%E2%80%AFAM.png The New Capital Journal - Investing In An Election Year - Make it stand out Source: Pew Research Center, J.P. Morgan Asset Management. Pew Research Center, “Republicans, Democrats Move Even Further Apart in Coronavirus Concerns.” Question: Thinking about the nation’s economy, How would you rate economic conditions in this country today… as excellent, good, only fair, or poor? The survey was last conducted in March 2023. Guide to the Markets – U.S. Data are as of December 31, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9fd34cd0-dceb-473c-8e47-0b344ef97fc8/Screenshot+2024-02-02+at+12.23.43%E2%80%AFPM.png The New Capital Journal - Investing In An Election Year - Make it stand out Source: Standard & Poor’s, FactSet, J.P. Morgan Asset Management. Election years are presidential election years. Data are as of December 31, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/89f57df1-3fe7-4f63-ab65-20b234ae7e0a/Screenshot+2024-02-02+at+12.25.40%E2%80%AFPM.png The New Capital Journal - Investing In An Election Year - Make it stand out Source: Standard & Poor’s, FactSet, J.P. Morgan Asset Management. Data are as of December 31, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b8f3aaa2-d6e6-4076-bdc5-ac8039f4dd6f/Screenshot+2024-02-02+at+12.26.20%E2%80%AFPM.png The New Capital Journal - Investing In An Election Year - Make it stand out Source: BEA, Standard & Poor’s, FactSet, J.P. Morgan Asset Management. Data is calendar year. Guide to the Markets – U.S. Data are as of December 31, 2023. https://www.newcapitalmgmt.com/news/many-happy-returns monthly 0.5 2024-04-05 https://www.newcapitalmgmt.com/news/vanguards-economic-and-market-outlook-for-2024 monthly 0.5 2024-12-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2dd03b2a-d413-4552-9077-13ede2b0fa5c/Screenshot+2024-01-05+at+1.32.03%E2%80%AFPM.png The New Capital Journal - Vanguard’s Economic and Market Outlook For 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/going-global-for-value monthly 0.5 2024-01-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c812c252-94b3-4de5-8132-0fa48cd5a9a8/Screenshot+2024-01-05+at+1.59.43%E2%80%AFPM.png The New Capital Journal - Going Global for Value - Make it stand out Past performance is not a guarantee of future results. Source: Dimensional using data provided by Ken French. Value in each region defined respectively as the Fama/French US Value Research Index, Fama/French International Value Index, and Fama/French Emerging Markets Value Index. Growth in each region defined as Fama/French US Growth Research Index, Fama/French International Growth Index, and Fama/French Emerging Markets Growth Index. The Fama/French indices represent academic concepts that may be used in portfolio construction and are not available for direct investment or for use as a benchmark. Eugene Fama and Ken French are members of the Board of Directors of the general partner of, and provide consulting services to, Dimensional Fund Advisors LP. See “Index Descriptions” for descriptions of the Fama/French index data. https://www.newcapitalmgmt.com/news/retirement-plan-limits-for-2024 monthly 0.5 2024-05-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/58bc6cb6-61c9-4718-ab7a-e898743eba07/Screenshot+2024-01-05+at+2.10.34%E2%80%AFPM.png The New Capital Journal - Retirement Plan Limits for 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5db2219d-686f-4d77-8641-b8722fd29811/Screenshot+2024-01-05+at+2.11.14%E2%80%AFPM.png The New Capital Journal - Retirement Plan Limits for 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c0c92748-a92d-40d0-9919-7362f43ba469/Screenshot+2024-01-05+at+2.12.02%E2%80%AFPM.png The New Capital Journal - Retirement Plan Limits for 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/secure-20-provides-new-retirement-savings-options-in-2024 monthly 0.5 2024-01-05 https://www.newcapitalmgmt.com/news/transfer-of-clean-vehicle-tax-credit-to-dealer-as-payment-for-the-vehicle monthly 0.5 2024-01-05 https://www.newcapitalmgmt.com/news/complete-guide-to-joint-trusts monthly 0.5 2024-01-05 https://www.newcapitalmgmt.com/news/2023-year-end-planning monthly 0.5 2023-12-09 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/aa03c3e1-6403-4ea4-9ca5-3d21bbb4fff2/JC---1x1.jpg The New Capital Journal - 2023 Year End Planning https://www.newcapitalmgmt.com/news/mitigating-taxes-with-a-qualified-charitable-distribution monthly 0.5 2023-12-09 https://www.newcapitalmgmt.com/news/should-you-rent-or-buy monthly 0.5 2023-12-09 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8ba54db4-8b4d-465b-89e5-bdf74b7864b9/LG-1x1.gif The New Capital Journal - Should You Rent or Buy? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/have-other-equity-market-returns-been-as-concentrated-as-those-in-the-us monthly 0.5 2023-12-09 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d015f039-11b0-4343-b97e-3cb20af64b04/Screenshot+2023-12-09+at+10.26.36%E2%80%AFAM.png The New Capital Journal - Have Other Equity Market Returns Been As Concentrated As Those In The U.S.? - Make it stand out Source: MSCI, Standard & Poor's, FactSet, J.P. Morgan Asset Management. Top 10 stocks in the S&P 500 Index include: Apple, Microsoft, Amazon, Nvidia, Google, Berkshire Hathaway, Facebook, ExxonMobil, United Healthcare and Tesla. Top 10 stocks in the MSCI EAFE Index include: Novo Nordisk, Nestle, ASML, Shell, Louis Vuitton Moet Hennessy, Novartis, Toyota, AstraZeneca, Roche, SAP, and BHP. Data are as of November 27, 2023. https://www.newcapitalmgmt.com/news/chart-of-the-week-magnificent-7-outperformance-may-not-continue monthly 0.5 2023-12-09 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/16c19d13-90c7-4a31-94ab-c1bb20b442ea/Screenshot+2023-12-09+at+9.25.06%E2%80%AFAM.png The New Capital Journal - Chart of the Week: Magnificent 7 Outperformance May Not Continue - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/webinar-mmm-generosity monthly 0.5 2024-02-02 https://www.newcapitalmgmt.com/news/2023-conference-presentations monthly 0.5 2024-11-01 https://www.newcapitalmgmt.com/news/high-rates-dont-put-the-brakes-on-stocks monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/36101d70-cf10-4e29-89e8-aa96f2970c95/Screenshot+2023-11-03+at+4.35.13%E2%80%AFPM.png The New Capital Journal - High Rates Don’t Put the Brakes on Stocks - Make it stand out Past performance is no guarantee of future results. Actual results will vary. In USD. US stocks represented by the Fama/French Total US Market Research Index, obtained from the data library of Ken French. Treasury yields obtained from FactSet. The Fama/French index represents academic concepts that may be used in portfolio construction and is not available for direct investment or for use as a benchmark. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. See “Index Description” for descriptions of the Fama/French index data. https://www.newcapitalmgmt.com/news/rethinking-the-dash-to-cash monthly 0.5 2024-03-01 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/91711e6e-0d92-40b0-a893-2752c99b4151/Screenshot+2023-11-03+at+4.21.35%E2%80%AFPM.png The New Capital Journal - Rethinking the Dash to Cash - Make it stand out Index performance is for illustrative purposes only. Index performance does not reflect any management fees, transaction costs or expenses. Indexes are unmanaged and one cannot invest directly in an index. Past performance does not guarantee future results. Source: BlackRock, Morningstar as of 31 August 2023. Money markets represented by the USD Money market Morningstar fund category. High Yield represented by Bloomberg US HY 2% Issuer Cap TR USD Investment Grade represented by: Bloomberg US Corp Bond TR USD Developed Equities represented by MSCI World NR USD EM Debt represented by JPM EMBI Global TR USD US Equity represented by: S&P 500 TR USD Dividend stocks represented by: MSCI World High Dividend Yield NR USD.. *Last Federal Reserve rate increase: 1) February 1, 1995 2) March 25, 1997 3) May 16, 2000 4) June 29, 2006 5) December 20, 2018. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/04f3d0c2-3032-4419-82dc-47e8a210b417/Screenshot+2023-11-03+at+4.22.50%E2%80%AFPM.png The New Capital Journal - Rethinking the Dash to Cash - Make it stand out Index performance is for illustrative purpose only. Investors cannot directly invest into an index. Source: BlackRock, Bloomberg as of 9/30/2023. Cash represented by Bloomberg US Treasury Bill Index. Multi-Asset Income Index Blend is comprised of 33.34% MSCI World High Dividend Index, 33.33% Bloomberg US Corporate Bond Index, and 33.33% Bloomberg US High Yield Bond Index. For illustration purposes only. Yield reflects yield-to-worst (%) for fixed income and dividend yield (%) for equity. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c7bc439f-0862-47e5-b12d-19a10d757928/Screenshot+2023-11-03+at+4.26.20%E2%80%AFPM.png The New Capital Journal - Rethinking the Dash to Cash - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/after-two-consecutive-pauses-what-is-next-for-the-federal-reserve monthly 0.5 2023-12-09 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/96a52d58-d969-483e-81b1-3e670ac4927d/Screenshot+2023-11-03+at+4.01.53%E2%80%AFPM.png The New Capital Journal - After Two Consecutive Pauses, What Is Next for the Federal Reserve? - Make it stand out Source: NCREIF, J.P. Morgan Asset Management. All data are as of June 30, 2023. Data are based on availability as of August 30, 2023. https://www.newcapitalmgmt.com/news/medicare-open-enrollment-begins-october-15 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/probate-court-101-what-to-expect-during-probate monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/against-voilence monthly 0.5 2023-12-08 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/89b344fa-0a3d-4f81-99bb-18c91073cf66/Against-Violence.png The New Capital Journal - Against Violence - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/LG-sig2.gif The New Capital Journal - Against Violence - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/the-new-capital-journal-transitions-from-weekly-to-monthly-publication monthly 0.5 2024-02-29 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/672b6d42-48dc-47d1-8758-9f0865fabf76/CB+-+1x1.jpg The New Capital Journal - The New Capital Journal Transitions from Weekly to Monthly Publication - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/2023-q3-market-review-dimensional monthly 0.5 2024-04-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7557aaae-db2e-4a61-8d9d-8c428f6aa433/Screenshot+2023-10-09+at+11.40.19+AM.png The New Capital Journal - Q3 Quarterly Market Review - Make it stand out Click to view/download PDF https://www.newcapitalmgmt.com/news/claiming-the-home-energy-audit-tax-credit monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/minors-inheriting-assets-limitations-and-considerations monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/3-ways-to-deal-with-high-mortgage-rates monthly 0.5 2024-04-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2ad33f4f-ad01-4f83-8152-f79031aff52b/mortgage+rates_banner_800x285.jpg The New Capital Journal - 3 Ways to Deal With High Mortgage Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7258cbc6-2162-4092-88a4-cc263aa6d369/New+30-yr+chart.png The New Capital Journal - 3 Ways to Deal With High Mortgage Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/17c122b9-e359-4b70-a9d0-b91e3e2512a6/existing+home+sales.png The New Capital Journal - 3 Ways to Deal With High Mortgage Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/markets-brief-value-stocks-have-suffered-in-2023-but-are-showing-signs-of-recovery monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6187b9c9-ba14-4ce7-b158-57bbb7e81c77/Screenshot+2023-09-01+at+9.30.11+AM.png The New Capital Journal - Markets Brief: Value Stocks Have Suffered In 2023 but Are Showing Signs of Recovery - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5767d4d2-536e-4d6b-a9c9-a231f1a17d0d/Screenshot+2023-09-01+at+9.31.22+AM.png The New Capital Journal - Markets Brief: Value Stocks Have Suffered In 2023 but Are Showing Signs of Recovery - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/38bd7d1d-c2d9-4fce-a4e4-0a0cebca37a5/Screenshot+2023-09-01+at+9.32.14+AM.png The New Capital Journal - Markets Brief: Value Stocks Have Suffered In 2023 but Are Showing Signs of Recovery - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5db9b3d6-766e-4bb3-b80a-9a232d58be71/Screenshot+2023-09-01+at+9.32.45+AM.png The New Capital Journal - Markets Brief: Value Stocks Have Suffered In 2023 but Are Showing Signs of Recovery - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/88e859d7-0f19-4a6a-9cf9-e6ba1bb804de/Screenshot+2023-09-01+at+9.34.20+AM.png The New Capital Journal - Markets Brief: Value Stocks Have Suffered In 2023 but Are Showing Signs of Recovery - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/779ee671-5481-4740-95a7-9d0fc06983eb/Screenshot+2023-09-01+at+9.36.05+AM.png The New Capital Journal - Markets Brief: Value Stocks Have Suffered In 2023 but Are Showing Signs of Recovery - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/beware-of-sample-periods monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/94943e1c-459b-49c7-8fa2-b30e059d567e/Screenshot+2023-09-01+at+9.54.16+AM.png The New Capital Journal - Chart of the Week: Beware of Sample Periods - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/planning-for-a-loved-one-with-dementia monthly 0.5 2024-04-05 https://www.newcapitalmgmt.com/news/what-is-really-going-on-with-real-assets monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/22a8f0db-0021-403f-b5af-4ab8995a9867/Screenshot+2023-09-01+at+10.04.10+AM.png The New Capital Journal - What Is Really Going On With Real Assets? - Make it stand out Source: NCREIF, J.P. Morgan Asset Management. All data are as of June 30, 2023. Data are based on availability as of August 30, 2023. https://www.newcapitalmgmt.com/news/most-important-assets monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/cd4b51e4-e111-4514-92da-6f16407f5ea0/LG-Abby.jpg The New Capital Journal - Our Most Important Assets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1693252643027-KNC46P1IY3T49EUCPIFZ/Abby.jpg The New Capital Journal - Our Most Important Assets https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1693252644011-L2F38ZP3YJ8V0DQRICER/Lenny%2C+Hannah%2C+Abby.jpg The New Capital Journal - Our Most Important Assets https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1693252645315-RB536M6VGSS0KWN4EZ2Q/sculpture.jpg The New Capital Journal - Our Most Important Assets https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1693252643174-HK58RJ2L0UYSAUJHJ2UD/convocation.jpg The New Capital Journal - Our Most Important Assets https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/LG-sig2.gif The New Capital Journal - Our Most Important Assets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/practicing-healthy-habits-pursuing-wealthy-outcomes monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/are-medicare-advantage-plans-really-an-advantage monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b2c9dee0-3375-4a9f-a091-278a42378308/fidelity-medicare.png The New Capital Journal - Are Medicare Advantage Plans Really An Advantage? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/chart-of-the-week-bulls-bears-and-long-term-benefits-of-stock-investing monthly 0.5 2023-12-09 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/14ae73f9-feec-4a2c-9afb-c2e3fb845c09/DFA-1.png The New Capital Journal - Chart of the Week: Bulls, Bears, and Long-Term Benefits of Stock Investing - Make it stand out S&P data © 2023 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. https://www.newcapitalmgmt.com/news/think-twice-about-chasing-the-biggest-stocks monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b8310c75-44eb-491b-8e59-2a834baed3fe/Screenshot+2023-08-18+at+9.58.22+AM.png The New Capital Journal - Think Twice about Chasing the Biggest Stocks - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/20-ira-mistakes-to-avoid-0823 monthly 0.5 2026-02-02 https://www.newcapitalmgmt.com/news/3-sdira-mistakes-to-avoid monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/what-is-a-letter-of-instruction monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/real-time-ratings-are-more-dynamic-than-fitchs monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/cd02b641-1e2c-4505-b2ba-d7caee03be5e/Screenshot+2023-08-09+at+2.02.39+PM.png The New Capital Journal - Real-Time Ratings Are More Dynamic than Fitch’s - Make it stand out Source: Bloomberg. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2deb0b71-a8b4-4915-83a1-2a400fd3047f/Screenshot+2023-08-09+at+2.03.55+PM.png The New Capital Journal - Real-Time Ratings Are More Dynamic than Fitch’s - Make it stand out Source: TRACE. Dimensional eligible universe data as of December 2022: ~21,000 securities, ~1,900 issuers, of which ~5,000 securities and ~750 issuers were held globally. Holdings are subject to change. https://www.newcapitalmgmt.com/news/cash-is-no-longer-trash-but-the-opportunity-cost-might-be-greater-than-you-think monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1778acaf-b3eb-41ab-94ec-35e06932b8fa/Screenshot+2023-08-09+at+1.35.54+PM.png The New Capital Journal - Cash Is No Longer Trash, but the Opportunity Cost Might Be Greater Than You Think - Make it stand out Source: www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-vesting. Employers can make schedules less restrictive but not more restrictive. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e1c58456-136e-4d6f-a013-977f63513d1e/Screenshot+2023-08-09+at+1.37.46+PM.png The New Capital Journal - Cash Is No Longer Trash, but the Opportunity Cost Might Be Greater Than You Think - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/21e537aa-d3f1-4b4d-84d1-d0e77f385c8b/Screenshot+2023-08-09+at+1.38.28+PM.png The New Capital Journal - Cash Is No Longer Trash, but the Opportunity Cost Might Be Greater Than You Think - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6b794cc2-8095-4ecb-938b-911a73c3e356/Screenshot+2023-08-09+at+1.39.11+PM.png The New Capital Journal - Cash Is No Longer Trash, but the Opportunity Cost Might Be Greater Than You Think - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-retirement-plans-can-aid-your-small-business-growth monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c1d7af1f-87c1-45d0-a40e-b5dd23269919/Screenshot+2023-08-09+at+1.26.27+PM.png The New Capital Journal - How Retirement Plans Can Aid Your Small Business Growth - Make it stand out Source: www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-vesting. Employers can make schedules less restrictive but not more restrictive. https://www.newcapitalmgmt.com/news/are-probate-records-public monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/2q23-earnings-resilient monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/920af7ad-1a80-4938-96ee-79abd61735af/Screen+Shot+2023-08-03+at+9.25.11+PM.jpg The New Capital Journal - 2Q23 Earnings: Resilient - Make it stand out Source: FactSet, Standard & Poor's, J.P. Morgan Asset Management. Data are as of July 27, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1c2189ad-4798-4e2b-be9c-fc113a18e211/Screen+Shot+2023-08-03+at+9.25.54+PM.jpg The New Capital Journal - 2Q23 Earnings: Resilient - Make it stand out Source: FDIC, J.P. Morgan Asset Management. Data are as of July 27, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6e105026-1ba2-4b1e-8757-79c065dcb375/Screen+Shot+2023-08-03+at+9.26.38+PM.jpg The New Capital Journal - 2Q23 Earnings: Resilient - Make it stand out Source: U.S. Census Bureau, J.P. Morgan Asset Management. Data are as of July 27, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6719f3a4-1a19-4a26-84a1-aae92eb94bfb/Screen+Shot+2023-08-03+at+9.27.15+PM.jpg The New Capital Journal - 2Q23 Earnings: Resilient - Make it stand out Source: FactSet, NFIB, J.P. Morgan Asset Management. All data series are net and represent the % of respondents answering higher less the % of respondents answering lower. Data are as of July 27, 2023. https://www.newcapitalmgmt.com/news/why-a-stock-peak-isnt-a-cliff monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1d586e8e-1807-4aad-8126-184d4cba4543/Screen+Shot+2023-08-03+at+9.38.23+PM.png The New Capital Journal - Why A Stock Peak Isn’t A Cliff - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/spotlight-on-us-fiscal-challenges monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/whats-happening-in-the-world-of-higher-education monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/ewill-legislation-where-we-stand-and-what-lies-ahead monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/q2-2023-market-review-webinar monthly 0.5 2025-06-16 https://www.newcapitalmgmt.com/news/rmd-relief-and-guidance-for-2023 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/im-65-and-still-working-should-i-enroll-in-medicare monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/a-guide-to-see-through-trusts monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/what-is-the-outlook-for-the-oil-prices monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f2666bae-e72e-4d76-a28e-3b2ed4ddc4da/Screenshot+2023-07-20+at+2.59.32+PM.png The New Capital Journal - What Is the Outlook for Oil Prices? - Make it stand out Source: EIA. J.P. Morgan Asset Management. Liquid fuels include crude oil, natural gas plant liquids, biofuels and other liquids. Data are as of July 18, 2023. https://www.newcapitalmgmt.com/news/fidelity-increases-mobile-deposit-limit monthly 0.5 2025-04-08 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c82f9adf-414f-4e31-b9c8-9fc66fb37b67/CM--1x1.gif The New Capital Journal - Fidelity Increases Mobile Deposit Limit https://www.newcapitalmgmt.com/news/the-evolution-of-small-cap-investing-four-decades-of-innovation-at-dimensional monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3d3888a0-e3b1-4f28-9002-f0a5c0540748/the-evolution-of-small-cap-investing-four-decades-of-innovation-at-dimensional_e1.png The New Capital Journal - The Evolution of Small Cap Investing: Four Decades of Innovation at Dimensional - Make it stand out Performance data shown represents past performance and is no guarantee of future results. Current performance may be higher or lower than the performance shown. The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. To obtain performance data current to the most recent month end, visit dimensional.com. Performance includes reinvestment of dividends and other earnings. Data presented in the Growth of $1 chart is hypothetical and assumes reinvestment of income and no transaction costs or taxes. The chart is for illustrative purposes only and is not indicative of any investment. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0e7881d1-a7d2-4b70-8975-4589dcb66a66/the-evolution-of-small-cap-investing-four-decades-of-innovation-at-dimensional_e2.png The New Capital Journal - The Evolution of Small Cap Investing: Four Decades of Innovation at Dimensional - Make it stand out Includes Dimensional US-domiciled, USD-denominated open-end mutual funds and ETFs that invest in small and mid-cap stocks. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5a5dda96-783d-4671-8801-d8d078de8699/the-evolution-of-small-cap-investing-four-decades-of-innovation-at-dimensional_e3.png The New Capital Journal - The Evolution of Small Cap Investing: Four Decades of Innovation at Dimensional - Make it stand out Past performance is no guarantee of future results. Price advantages estimated relative to demanding immediacy, represented by an approach that sells at the bid and buys at the offer (SBBO). Monthly average price advantages over SBBO in basis points (bps). Source: Dimensional. Small cap is defined as approximately the bottom 8% of market cap within the US, bottom 12.5% of market cap within each non-US developed markets country, and bottom 15% of market cap within each emerging markets country. Small cap stocks with the lowest profitability and lowest book-to-market ratios are excluded. For more information and a description of the methodology used, see Jerry Liu and Ryan J. Wiley, “Global Trading Price Advantages of Flexible Equity Portfolios” (research paper, Dimensional Fund Advisors, June 2021). https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f02a1b45-0b37-47c7-a971-e0170fa40e99/the-evolution-of-small-cap-investing-four-decades-of-innovation-at-dimensional_e4.png The New Capital Journal - The Evolution of Small Cap Investing: Four Decades of Innovation at Dimensional - Make it stand out For illustrative purposes only. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9c9ff3f0-135a-4354-96df-f0a62b20725d/the-evolution-of-small-cap-investing-four-decades-of-innovation-at-dimensional_e5.png The New Capital Journal - The Evolution of Small Cap Investing: Four Decades of Innovation at Dimensional - Make it stand out Securities lending involves risk—including counterparty risk—and possible loss. Source: Dimensional funds annual reports. Fiscal years as of October 31 (November 1, 2019–October 31, 2022). Revenue is not guaranteed and may fluctuate. Lending activities are conducted by the custodians for the funds. See Appendix: Securities Lending Adds Value. See Appendix: Average Annual Total Returns. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/54c84ba7-b0dc-4121-a123-f40e4f35e0f7/the-evolution-of-small-cap-investing-four-decades-of-innovation-at-dimensional_e6.png The New Capital Journal - The Evolution of Small Cap Investing: Four Decades of Innovation at Dimensional - Make it stand out Past performance is no guarantee of future results. Funds may have experienced negative performance over the time period. Dimensional Small Cap Funds refers to all Dimensional US-domiciled, USD-denominated open-end mutual funds and ETFs that invest exclusively in small and mid cap stocks. Dimensional fund data is provided by the fund accountant. Industry, Small Cap Funds refers to US-domiciled, USD-denominated open-end and exchange-traded funds at the beginning of the 10-, 15-, and 20-year periods for the Morningstar US Small Blend, US Small Growth, US Small Value, Foreign Small/Mid Blend, Foreign Small/Mid Growth, Foreign Small/Mid Value, and Global Small/Mid Stock categories. Non-Dimensional fund data provided by Morningstar. Where the full series of primary prospectus benchmark returns is unavailable, non-Dimensional funds are instead evaluated relative to their Morningstar category index. Surviving funds are those with return observations for every month of the 10-, 15-, and 20-year sample periods. Each fund is evaluated relative to its respective prospectus benchmark as of the start of the 10-, 15-, and 20-year periods. Winners are funds whose cumulative net return over the period exceeded that of their prospectus benchmark. Index data provided by Bloomberg, MSCI, Russell, FTSE Fixed Income LLC, and S&P Dow Jones Indices LLC. Bloomberg data provided by Bloomberg. MSCI data © MSCI 2023, all rights reserved. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. FTSE fixed income indices © 2023 FTSE Fixed Income LLC. All rights reserved. S&P data © 2023 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0064bd8b-11de-44fc-ad0f-ce2d05247e72/Screenshot+2023-07-20+at+2.51.51+PM.png The New Capital Journal - The Evolution of Small Cap Investing: Four Decades of Innovation at Dimensional - Make it stand out Performance data shown represents past performance and is no guarantee of future results. Current performance may be higher or lower than the performance shown. The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. To obtain performance data current to the most recent month end, visit dimensional.com. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d540489b-b2bd-4970-8e6e-4b8b51325b2c/Screenshot+2023-07-20+at+2.53.44+PM.png The New Capital Journal - The Evolution of Small Cap Investing: Four Decades of Innovation at Dimensional - Make it stand out Source for value added and lending revenues: Dimensional funds annual reports. Fiscal years as of October 31 (November 1, 2019–October 31, 2022). Securities lending involves risks. Revenue is not guaranteed and may fluctuate. Lending activities are conducted by the custodians for the funds. https://www.newcapitalmgmt.com/news/7-steps-to-estimating-your-in-retirement-cash-flow-needs-2023 monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/good-news-from-the-june-cpi-report-inflation-is-truly-declining monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2317847f-60b0-408d-87b3-21fc6815787b/Screenshot+2023-07-14+at+11.49.33+AM.png The New Capital Journal - Good News From the June CPI Report: Inflation Is Truly Declining - Make it stand out Source: Bureau of Labor Statistics, Morningstar. Data as of June 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/44491f6c-2a3a-4cfe-be07-f661137cb4cb/Screenshot+2023-07-14+at+11.51.02+AM.png The New Capital Journal - Good News From the June CPI Report: Inflation Is Truly Declining - Make it stand out Source: Bureau of Labor Statistics. Data as of June 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/91918345-1c02-499a-9c0b-6b4bfc3b58f2/Screenshot+2023-07-14+at+11.52.36+AM.png The New Capital Journal - Good News From the June CPI Report: Inflation Is Truly Declining - Make it stand out Source: Bureau of Labor Statistics, Morningstar. Data as of June 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2b0a5359-044e-4bfb-93f3-7e48e0796084/Screenshot+2023-07-14+at+11.53.26+AM.png The New Capital Journal - Good News From the June CPI Report: Inflation Is Truly Declining - Make it stand out Source: Bureau of Labor Statistics, Morningstar. Data as of June 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fbb2860c-bf36-4a86-a9f4-6e7fdd6e105e/Screenshot+2023-07-14+at+11.54.39+AM.png The New Capital Journal - Good News From the June CPI Report: Inflation Is Truly Declining - Make it stand out Source: Bureau of Labor Statistics, Morningstar. Data as of June 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f13e7077-59f8-410e-860e-5b2b74e8421b/Screenshot+2023-07-14+at+11.55.28+AM.png The New Capital Journal - Good News From the June CPI Report: Inflation Is Truly Declining - Make it stand out Source: Bureau of Labor Statistics. Data as of June 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/aec9fd14-a0fa-4838-b500-f5e084144da8/Screenshot+2023-07-14+at+11.56.24+AM.png The New Capital Journal - Good News From the June CPI Report: Inflation Is Truly Declining - Make it stand out Source: CME FedWatch Tool. Data as of July 12, 2023, 9:00 a.m. Eastern time. https://www.newcapitalmgmt.com/news/dont-get-hooked-by-these-financial-scams-fidelity monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/can-we-talk-about-your-will monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/living-will-planning-your-legacy monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/midyear-review-staying-focused-as-markets-shift monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b9547951-b050-4b1b-b221-48e409e68ee7/Screenshot+2023-07-07+at+12.53.16+PM.png The New Capital Journal - Midyear Review: Staying Focused as Markets Shift - Make it stand out In USD. Total returns are calculated for the 1-, 3-, and 5-year periods beginning the day after a downturn of 10%, 20%, or 30% from a new all-time high for the market. The bar chart shows the average total returns for the 1-, 3-, and 5-year periods following the 10%, 20% and 30% thresholds. For the 10% threshold, there are 29, 28, and 27 observations for the 1-, 3-, and 5-year periods, respectively. For the 20% threshold, there are 15, 14, and 13 observations for the 1-, 3-, and 5-year periods, respectively. For the 30% threshold, there are 7, 6, and 6 observations for 1-, 3-, and 5-year periods, respectively. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9cafeebe-4de5-4ecb-9d14-6dc33b0b6406/Screenshot+2023-07-07+at+12.55.41+PM.png The New Capital Journal - Midyear Review: Staying Focused as Markets Shift - Make it stand out Returns in USD. Indices are not available for direct investment. Their performance does not reflect the expenses associated with management of an actual portfolio. MSCI data © MSCI 2023, all rights reserved. https://www.newcapitalmgmt.com/news/2023-q2-market-review-dimensional monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6eee78c5-9a46-48ff-9ee1-6ab54becf89b/Screenshot+2023-07-07+at+1.06.32+PM.png The New Capital Journal - Q2 Quarterly Market Review - Make it stand out Click to view/download PDF https://www.newcapitalmgmt.com/news/have-us-equities-rallied-too-much monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d7d6797f-5345-43a1-879f-2eb09227a994/Screenshot+2023-07-07+at+1.27.17+PM.png The New Capital Journal - Have U.S. Equities Rallied Too Much? - Make it stand out Source: FactSet, Standard & Poor’s, J.P. Morgan Asset Management. The top 10 S&P 500 companies are based on the 10 largest index constituents at the beginning of each month. As of 5/31/2023, the top 10 companies in the index were AAPL (7.5%), MSFT (7.0%), AMZN (3.1%), NVDA (2.7%), GOOGL (2.1%), GOOG (1.8%), Meta (1.7%), BRK.B (1.7%), TLSA (1.6%), UNH (1.3%) and XOM (1.2%). The remaining stocks represent the rest of the 494 companies in the S&P 500. Guide to the Markets – U.S. Data are as of June 30, 2023. https://www.newcapitalmgmt.com/news/midyear-economic-outlook-sticky-inflation-most-everywhere monthly 0.5 2024-01-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f6d77df3-1925-4e52-9d02-4c20ebbb9899/Screenshot+2023-07-07+at+1.31.07+PM.png The New Capital Journal - Midyear Economic Outlook: Sticky Inflation Most Everywhere - Make it stand out Notes: We use year-over-year changes the core consumer price index (CPI) for all locations except Australia, where we use trimmed mean CPI. Year-end 2023 figures are Vanguard forecasts. Sources: Vanguard calculations, using data from the U.S. Bureau of Labor Statistics, Statistics Canada, Eurostat, the U.K. Office for National Statistics, and the Australian Bureau of Statistics accessed through Macrobond on June 15, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/070a0aa7-90db-4cdd-a08d-e16b31d3b87b/Screenshot+2023-07-07+at+1.35.06+PM.png The New Capital Journal - Midyear Economic Outlook: Sticky Inflation Most Everywhere - Make it stand out *Inflation forecasts are for core inflation, which excludes volatile energy and food prices, except for Australia, where we measure headline inflation, which includes food and energy. **Our forecast for the United States year-end monetary policy rate reflects the low end of the Federal Reserve's federal funds target range. Notes: Figures related to economic growth, inflation, monetary policy, and unemployment rate are Vanguard forecasts for the end of2023. Growth and inflation are comparisons with the end of the preceding year; monetary policy and unemployment rate are absolute levels. Source: Vanguard, as of June 26, 2023. https://www.newcapitalmgmt.com/news/the-legacy-of-harry-markowitz monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3caed0d3-5db1-4472-95d1-1fb3b6d896ca/Screenshot+2023-07-07+at+1.46.41+PM.png The New Capital Journal - The Legacy of Harry Markowitz - Make it stand out Source: IRS https://www.newcapitalmgmt.com/news/us-supreme-court-blocks-student-loan-cancellation-payments-to-resume monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5a36c7c8-c9a3-4eae-bd57-40d82a3ec411/Screenshot+2023-07-07+at+1.57.27+PM.png The New Capital Journal - U.S. Supreme Court Blocks Student Loan Cancellation, Payments to Resume - Make it stand out 1) White House Fact Sheet, August 24, 2022 2-3, 6) The New York Times, June 30, 2023 4) Fiscal Responsibility Act of 2023 5, 7) U.S. Department of Education, 2023 https://www.newcapitalmgmt.com/news/video-the-feds-rate-moves-and-inflation monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9a2ecaa6-54d9-4ab1-b0d6-7f0df899a21e/Screenshot+2023-06-30+at+9.28.21+AM.png The New Capital Journal - VIDEO: The Fed's Rate Moves and Inflation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/market-perspectives-july-23 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/279a79bf-c80c-4592-b3c3-1799001e7cac/Screenshot+2023-06-30+at+9.36.25+AM.png The New Capital Journal - Market Perspectives - Make it stand out Notes: These probabilistic return assumptions depend on current market conditions and, as such, may change over time. Source: Vanguard Investment Strategy Group. IMPORTANT: The projections or other information generated by the Vanguard Capital Markets Model® regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Distribution of return outcomes from the VCMM are derived from 10,000 simulations for each modeled asset class. Simulations are as of March 31, 2023. Results from the model may vary with each use and over time. For more information, see the Notes section at the end of this article. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3b7d0f93-2603-4b3c-b94c-fb55a1c26a1f/Screenshot+2023-06-30+at+9.39.23+AM.png The New Capital Journal - Market Perspectives - Make it stand out Notes: Negative numbers reflect periods when loan repayments exceeded loan issuance. Figures are as of April 30 for each year displayed. Sources: Vanguard calculations, using People’s Bank of China data as of April 30, 2023, accessed through CEIC. A billion yuan equals about USD 140 million. https://www.newcapitalmgmt.com/news/who-should-be-my-beneficiary monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/estate-planning-for-families-with-lgbtq-loved-ones monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/dc57a6af-4094-48e0-af8f-f55ecd4f9ec3/Screenshot+2023-06-30+at+9.55.28+AM.png The New Capital Journal - Estate Planning For Families With LGBTQ+ Loved Ones - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/was-the-june-fomc-meeting-a-fed-pause-or-hawkish-skip monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5535fc47-ddf4-46f0-97d0-35eefc65d763/jpm-chart.png The New Capital Journal - Was The June FOMC Meeting A Fed Pause Or Hawkish Skip? - Make it stand out Source: Federal Reserve, J.P. Morgan Asset Management. Data are as of June 14, 2023. Forecasts of 18 FOMC participations, median estimate. Green denotes an adjustment higher, red denotes an adjustment lower. * Longer-run projections for core PCE inflation are not collected. https://www.newcapitalmgmt.com/news/is-recession-down-the-road monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f6b97dc6-9bd0-493d-819b-f50f3a7ce5cc/Fidelity-Recession-banner.png The New Capital Journal - Is Recession Down the Road? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3fa3c0a9-7a2f-4c3d-a455-edba4b8f93fd/recession-watch-0623.png The New Capital Journal - Is Recession Down the Road? - Make it stand out Source: Consumer spending: U.S. Bureau of Economic Analysis, personal consumption expenditures. Housing: U.S. Census Bureau and U.S. Department of Housing and Urban Development, median sales price of houses sold for the US. Consumer credit: Board of Governors of the Federal Reserve System, total consumer credit owned and securitized. Manufacturing: Board of Governors of the Federal Reserve System, industrial production: manufacturing. All data retrieved from the Federal Reserve Bank of St. Louis, June 20, 2023. https://www.newcapitalmgmt.com/news/guide-to-setting-up-a-family-trust monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/investing-your-ira-in-real-estate monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/is-the-fed-getting-inflation-wrong monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b609c136-327d-40e5-adcf-b2a401088100/Screenshot+2023-06-16+at+11.18.34+AM.png The New Capital Journal - Is The Fed Getting Inflation Wrong? - Make it stand out Source: BLS, J.P. Morgan Asset Management. *Core services ex-shelter CPI is a custom index using CPI components created by J.P. Morgan Asset Management. Data are as of June 13, 2023. https://www.newcapitalmgmt.com/news/chart-of-the-week-stocks-vs-inflation monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8d16c4fe-7480-485a-bb1c-b6639d26d9a7/Screenshot+2023-06-16+at+11.23.53+AM.png The New Capital Journal - Chart of the Week: Stocks vs. Inflation - Make it stand out S&P data © 2023 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. https://www.newcapitalmgmt.com/news/webinar-mmm-hindrance monthly 0.5 2023-12-21 https://www.newcapitalmgmt.com/news/why-roth-iras-rock monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8cef1e6e-c5e4-44b8-ba5f-e53f85551f7b/Screenshot+2023-06-16+at+11.50.33+AM.png The New Capital Journal - Why Roth IRAs Rock - Make it stand out Source: IRS https://www.newcapitalmgmt.com/news/survivors-trusts-what-you-need-to-know monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/estate-planning-for-singles monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/why-the-fed-will-not-cut-interest-rates-this-year monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/14a2fa6d-b03c-4aab-bfbb-83507cbe251c/Screenshot+2023-06-09+at+10.24.59+AM.png The New Capital Journal - Why The Fed Will Not Cut Interest Rates This Year - Make it stand out Notes: The probabilities of the Fed's next move being a rate increase, pause/hold, or decrease are generated by Vanguard's proprietary machine-learning model, factoring in macroeconomic and market data through May 2023. For periods beyond that, the model uses Vanguard's in-house views on inflation (core CPI), labor markets, and economic growth this year and next as inputs to generate forward-looking probabilities of the Fed's moves. Vanguard expects inflation to fall but remain above 3% by year-end, the unemployment rate to trend higher to 4.5%, and full-year growth to be around 0.75%. Sources: Vanguard calculations using data from Bloomberg, Refinitiv Datastream, and Moody’s Analytics Data Buffet, as of May 31, 2023. https://www.newcapitalmgmt.com/news/chart-of-the-week-assets-performance-ytd monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3e12fb24-9a3e-4cd2-bfc1-c28d69d84d3a/Screenshot+2023-06-09+at+10.27.34+AM.png The New Capital Journal - Chart of the Week: Assets Performance (YTD) - Make it stand out Source: BlackRock Investment Institute with data from Federal Reserve Bank of St. Louis, Bureau of the Fiscal Service and Refinitiv Datastream, June 2023. Notes: The left chart shows total public debt and the right chart shows the U.S. federal government budget balance, both as a share of GDP. https://www.newcapitalmgmt.com/news/transformative-tech-will-ai-upend-the-american-workforce monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/how-to-donate-illiquid-assets-3-tax-savvy-giving-tips-for-entrepreneurs monthly 0.5 2024-02-02 https://www.newcapitalmgmt.com/news/how-filial-responsibility-laws-can-affect-you monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/2023-client-satisfaction-survey-results monthly 0.5 2024-05-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d61c24c0-0995-4726-a6ca-9b7102357843/Screenshot+2023-05-23+at+3.21.02+PM.png The New Capital Journal - 2023 Client Satisfaction Survey Results - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/185d19ee-58c3-48d4-9efe-f4de0200990d/Screenshot+2023-05-23+at+3.20.38+PM.png The New Capital Journal - 2023 Client Satisfaction Survey Results - Make it stand out Click image to view/download PDF https://www.newcapitalmgmt.com/news/why-the-wisdom-of-the-market-crowd-beats-ai monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/will-the-debt-ceiling-aftermath-push-up-interest-rates monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/36623d72-9300-44ba-8728-72d7d8112d6e/Screenshot+2023-06-02+at+9.47.09+AM.png The New Capital Journal - Will the Debt Ceiling Aftermath Push Up Interest Rates? - Make it stand out Source: Bipartisan Policy Center, Bloomberg, U.S. Treasury, J.P. Morgan Asset Management. Data are as of May 30, 2023. https://www.newcapitalmgmt.com/news/can-my-sdira-invest-in-an-llc monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/what-is-a-donor-advised-fund-daf monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3e492dec-5b76-43c9-9b66-d40943b3c924/Screen+Shot+2023-06-01+at+3.38.34+PM.png The New Capital Journal - What Is A Donor-Advised Fund (DAF)? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/12a2eb30-ed9d-44d2-b221-0f4e1a4c8990/Screen+Shot+2023-06-01+at+3.40.28+PM.png The New Capital Journal - What Is A Donor-Advised Fund (DAF)? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/16037abd-3390-4194-9b4d-39999e2dd7f3/Screen+Shot+2023-06-01+at+3.42.21+PM.png The New Capital Journal - What Is A Donor-Advised Fund (DAF)? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/four-overlooked-elements-in-estate-plans monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/understanding-your-medicare-options monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1769d0e8-80f1-4266-b4eb-55e98fec83f6/Screenshot+2023-05-26+at+11.58.45+AM.png The New Capital Journal - Understanding Your Medicare Options - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/medicare-turning-65-checklist monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/beware-medicare-why-is-medicare-funding-a-big-problem monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f27653a9-a598-4670-a1a1-a643c59ab7c1/Screenshot+2023-05-26+at+9.42.08+AM.png The New Capital Journal - Beware Medicare: Why Is Medicare Funding A Big Problem? - Make it stand out Source: 2023 Medicare Trustee Report, intermediate assumptions.* Does not include out-of-pocket costs for beneficiaries (co-pays and deductibles). The tax on Social Security benefits is the tax from 50% of benefits – 85% of benefits that are taxed. The tax for up to 50% of benefits is used to pay for Social Security benefits. https://www.newcapitalmgmt.com/news/how-to-plan-for-rising-health-care-costs monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/202ad779-b68c-4ce3-aecb-b998a0b37066/banner---healthcare.png The New Capital Journal - How To Plan for Rising Health Care Costs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d81be238-2dfd-47ab-b91d-8db8c2a012de/Screenshot+2023-05-26+at+9.31.50+AM.png The New Capital Journal - How To Plan for Rising Health Care Costs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597871a-849e-45fb-a8c1-80b9b93fd48d/Screenshot+2023-05-26+at+9.32.59+AM.png The New Capital Journal - How To Plan for Rising Health Care Costs - Make it stand out Source: Fidelity Benefits Consulting, 2022 https://www.newcapitalmgmt.com/news/hsas-may-work-best-as-tax-shelters monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/5-ways-to-protect-assets-from-nursing-home-costs monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/let-the-compounding-commence monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/international-style monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/81434e51-9364-4a95-8866-b96ad831d234/Screen+Shot+2023-05-19+at+9.19.32+AM.jpg The New Capital Journal - International Style - Make it stand out Source: BlackRock GBI as of 12/31/22 Includes US domiciled ETFs classified as smart beta by BlackRock Global Business Intelligence. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e442f8a9-35c0-40c3-8f66-6070ec6bd611/Screen+Shot+2023-05-19+at+9.20.25+AM.jpg The New Capital Journal - International Style - Make it stand out Source: Analysis by BlackRock using Ken French data library (https://mba.tuck.dartmouth.edu/pages/faculty/ken.french/data_library.html) and AQR data set (https://www.aqr.com/Insights/Datasets/Betting-Against-Beta-Equity-Factors-Monthly) as of 1/31/23. Data from November 1990 through January 2023. Premiums are calculated as long/short. International stocks for size, value, quality, and momentum represented by Developed ex US stocks as classified by Ken French Data Library. Minimum volatility represented by Global ex USA stocks as classified by AQR data set. Low size represented by SMB (small minus big). Value represented by HML (high book-to-market minus low book-to-market). Quality represented by RMW (robust minus weak). Momentum represented by WML (winners minus losers). Low Vol represented by BAB (betting against beta). Counterparts for size, value, quality, momentum, and min vol are larger firms, higher priced stocks, less profitable stocks, downward trending stocks, and higher beta securities. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b36edacb-1b2b-4f77-8165-072048954550/Screen+Shot+2023-05-19+at+9.21.10+AM.jpg The New Capital Journal - International Style - Make it stand out Source: Analysis by BlackRock using Ken French data library (https://mba.tuck.dartmouth.edu/pages/faculty/ken.french/data_library.html) and AQR data set (https://www.aqr.com/Insights/Datasets/Betting-Against-Beta-Equity-Factors-Monthly) as of 1/31/23. Data from November 1990 through January 2023. Premiums are calculated as long/short. International stocks for size, value, quality, and momentum represented by Developed ex US stocks as classified by Ken French Data Library. Minimum volatility represented by Global ex USA stocks as classified by AQR data set. Low size represented by SMB (small minus big). Value represented by HML (high book-to-market minus low book-to-market). Quality represented by RMW (robust minus weak). Momentum represented by WML (winners minus losers). Low Vol represented by BAB (betting against beta). Beta measures volatility of a stock compared to the market as a whole. Counterparts for size, value, quality, momentum, and min vol are larger firms, higher priced stocks, less profitable stocks, downward trending stocks, and higher beta securities. 1-year and 3-year periods are calculated by using rolling 1-year and 3-year periods using monthly returns. Beat rate shows the historical percentage of periods that the factor outperformed (“beat”) its counterpart. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/943ef19f-723c-4282-8945-889e55a45df1/Screen+Shot+2023-05-19+at+9.21.50+AM.jpg The New Capital Journal - International Style - Make it stand out Source: Analysis by BlackRock using Ken French data library (https://mba.tuck.dartmouth.edu/pages/faculty/ken.french/data_library.html) and AQR data set (https://www.aqr.com/Insights/Datasets/Betting-Against-Beta-Equity-Factors-Monthly) as of 1/31/23. Data from November 1990 through January 2023. Premiums are calculated as long/short. International stocks for size, value, quality, and momentum represented by Developed ex US stocks as classified by Ken French Data Library. Minimum volatility represented by Global ex USA stocks as classified by AQR data set. Low size represented by SMB (small minus big). Value represented by HML (high book-to-market minus low book-to-market). Quality represented by RMW (robust minus weak). Momentum represented by WML (winners minus losers). Low Vol represented by BAB (betting against beta). Counterparts for size, value, quality, momentum, and min vol are larger firms, higher priced stocks, less profitable stocks, downward trending stocks, and higher beta securities. https://www.newcapitalmgmt.com/news/new-clean-vehicle-tax-credit-guidance-issued monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/social-security-do-over-claim-suspend-and-restart monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e11eb688-1cae-4fd7-9a5e-03545c1cf297/Screenshot+2023-05-19+at+10.19.09+AM.png The New Capital Journal - Social Security Do-Over: Claim, Suspend, and Restart - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5292c85f-372c-4cf7-b1eb-2c56f7b9a06f/Screenshot+2023-05-19+at+10.21.34+AM.png The New Capital Journal - Social Security Do-Over: Claim, Suspend, and Restart - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5a328aae-dd08-4b9f-9cab-68b9f8c28a0c/claim-suspend-restart.jpeg The New Capital Journal - Social Security Do-Over: Claim, Suspend, and Restart - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/is-contesting-a-will-possible monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/what-happens-if-the-us-breaches-the-debt-ceiling monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c796fea7-b333-4093-a82f-1e6d73f78cdc/MI_OTMI_5.10.23+Chart.png The New Capital Journal - What Happens If the U.S. Breaches the Debt Ceiling? - Make it stand out Source: Bureau of Labor Statistics, FactSet, J.P. Morgan Asset Management. Contributions mirror the BLS methodology on Table 7 of the CPI report. Core services ex-shelter CPI is a custom index using CPI components created by J.P. Morgan Asset Management. “Transportation services” primarily includes leased cars and trucks, motor vehicle insurance and motor vehicle maintenance and repair. Airline fares are shown separately from the rest of transportation services. Data are as of April 12, 2023. https://www.newcapitalmgmt.com/news/the-stock-market-vs-stocks-in-the-market monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/what-you-should-know-about-the-federal-reserves-new-instant-payments-system monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/dimensional-2023-matrix-book monthly 0.5 2024-05-30 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6efcf795-2324-488e-8a04-e31254af51d6/2023+cover.png The New Capital Journal - Dimensional 2023 Matrix Book - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/281bdb13-9ed3-4cf5-9cd3-104b7d9b43a1/Screenshot+2023-05-12+at+10.49.46+AM.png The New Capital Journal - Dimensional 2023 Matrix Book https://www.newcapitalmgmt.com/news/year-end-market-review-webinar-recording-d5zl2 monthly 0.5 2025-06-16 https://www.newcapitalmgmt.com/news/true-diversification-calls-for-a-global-outlook monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fcd2c8d6-2742-4bbb-b3fc-8c49ab505419/International_Freshness_Article_1.jpg The New Capital Journal - True Diversification Calls for A Global Outlook - Make it stand out Notes: These probabilistic return assumptions depend on current market conditions and, as such, may change over time. Source: Vanguard Investment Strategy Group. IMPORTANT: The projections or other information generated by the Vanguard Capital Markets Model regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Distribution of return outcomes from the VCMM are derived from 10,000 simulations for each modeled asset class. Simulations are as of December 31, 2022. Results from the model may vary with each use and over time. For more information, see the Notes section. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b69a4e9d-8476-40bd-bd6c-53a6443624b0/Screenshot+2023-05-05+at+1.44.18+PM.png The New Capital Journal - True Diversification Calls for A Global Outlook - Make it stand out Notes: Actual home prices reflect monthly year-on-year changes in the S&P CoreLogic Case-Shiller US National Home Price Index. Vanguard forecast reflects the Vanguard home price model in a “shallow recession” scenario; in Vanguard’s base case, the U.S. economy will enter a shallow recession late in 2023. The Vanguard home price model incorporates trailing three-year real income growth, excluding transfer payments; the year-on-year change in the inflation-adjusted national average 30-year conventional mortgage rate; the U.S. housing vacancy rate; and the stage of business cycle as defined by the Vanguard Leading Economic Indicators Index in an ordinary least squares framework. Sources: Vanguard calculations, using data as of December 31, 2022, from Refinitiv and the Federal Reserve Bank of St. Louis. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6de2c953-b610-4d7c-b003-5a7fa95f40ca/Screenshot+2023-05-05+at+1.45.10+PM.png The New Capital Journal - True Diversification Calls for A Global Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/rescuing-americas-safety-net monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/you-can-make-ira-contributions-at-any-age-but-should-you monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/testamentary-trust-vs-living-trust-whats-the-difference monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-perspectives monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3ba754a6-b0c3-4e17-867c-d19f2318937c/Screenshot+2023-04-28+at+11.52.52+AM.png The New Capital Journal - Market Perspectives - Make it stand out Notes: These probabilistic return assumptions depend on current market conditions and, as such, may change over time. Source: Vanguard Investment Strategy Group. IMPORTANT: The projections or other information generated by the Vanguard Capital Markets Model regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Distribution of return outcomes from the VCMM are derived from 10,000 simulations for each modeled asset class. Simulations are as of December 31, 2022. Results from the model may vary with each use and over time. For more information, see the Notes section. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/717f010f-45eb-4156-b7de-14387b0a61c2/Screenshot+2023-04-28+at+11.55.09+AM.png The New Capital Journal - Market Perspectives - Make it stand out Notes: Actual home prices reflect monthly year-on-year changes in the S&P CoreLogic Case-Shiller US National Home Price Index. Vanguard forecast reflects the Vanguard home price model in a “shallow recession” scenario; in Vanguard’s base case, the U.S. economy will enter a shallow recession late in 2023. The Vanguard home price model incorporates trailing three-year real income growth, excluding transfer payments; the year-on-year change in the inflation-adjusted national average 30-year conventional mortgage rate; the U.S. housing vacancy rate; and the stage of business cycle as defined by the Vanguard Leading Economic Indicators Index in an ordinary least squares framework. Sources: Vanguard calculations, using data as of December 31, 2022, from Refinitiv and the Federal Reserve Bank of St. Louis. https://www.newcapitalmgmt.com/news/winter-is-over-bonds-are-back monthly 0.5 2026-02-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/79559a82-ed94-4ab8-8dfd-031486a1ed37/banner+-+bonds.png The New Capital Journal - Winter is over. Bonds are back. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/secure-20-helps-small-employers-help-their-employees monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/will-the-us-dollar-go-digital monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ccb693c4-5b41-4f49-8dc5-7dc7d7b48b40/Screen+Shot+2023-04-27+at+2.36.43+PM.png The New Capital Journal - Will the U.S. Dollar Go “Digital”? - Make it stand out Source: Bureau of Labor Statistics, FactSet, J.P. Morgan Asset Management. Contributions mirror the BLS methodology on Table 7 of the CPI report. Core services ex-shelter CPI is a custom index using CPI components created by J.P. Morgan Asset Management. “Transportation services” primarily includes leased cars and trucks, motor vehicle insurance and motor vehicle maintenance and repair. Airline fares are shown separately from the rest of transportation services. Data are as of April 12, 2023. https://www.newcapitalmgmt.com/news/how-to-convert-a-529-plan-to-a-roth-ira monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/why-portfolio-diversification-helped-investors-in-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/36d16acb-8aca-4894-a4cc-46e396c5d0f2/Screenshot+2023-04-21+at+11.32.49+AM.png The New Capital Journal - Why Portfolio Diversification Helped Investors in 2022 - Make it stand out Click image for larger view https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/39835cc7-b0c4-4035-8fb2-446ed04e0ba6/Screenshot+2023-04-21+at+11.33.44+AM.png The New Capital Journal - Why Portfolio Diversification Helped Investors in 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ba70e5cb-3c56-4b6b-bbae-b77d14eeaff6/Screenshot+2023-04-21+at+11.35.57+AM.png The New Capital Journal - Why Portfolio Diversification Helped Investors in 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e576366b-a491-4768-b114-96ad46a222a6/Screenshot+2023-04-21+at+11.36.55+AM.png The New Capital Journal - Why Portfolio Diversification Helped Investors in 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/669a00c4-efca-4148-bc6b-d8f02b2f6e68/Screenshot+2023-04-21+at+11.38.32+AM.png The New Capital Journal - Why Portfolio Diversification Helped Investors in 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/will-the-march-cpi-print-force-the-fed-to-hike-in-may monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c5da6eb2-9fa7-458d-8209-31113d9faa11/MI_OTMI_4.12.23+Chart.png The New Capital Journal - Will the March CPI print force the Fed to hike in May? - Make it stand out Source: Bureau of Labor Statistics, FactSet, J.P. Morgan Asset Management. Contributions mirror the BLS methodology on Table 7 of the CPI report. Core services ex-shelter CPI is a custom index using CPI components created by J.P. Morgan Asset Management. “Transportation services” primarily includes leased cars and trucks, motor vehicle insurance and motor vehicle maintenance and repair. Airline fares are shown separately from the rest of transportation services. Data are as of April 12, 2023. https://www.newcapitalmgmt.com/news/see-through-trust-secure-the-longest-possible-rmd-through-your-estate-plan monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/should-commodities-have-a-role-in-your-portfolio monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/80903d77-6349-4ff4-8d1b-fcf4ab71aba4/banner+-+commodities.png The New Capital Journal - Should Commodities Have A Role In Your Portfolio? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c3cac5a7-79e5-4da7-b352-9e88eee29724/Commodities+performance+chart.png The New Capital Journal - Should Commodities Have A Role In Your Portfolio? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/ncm-cash-management-options monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a24c36ee-7a4a-466a-8fa2-497632e27e39/Screenshot+2023-04-14+at+1.06.45+PM.png The New Capital Journal - NCM Cash Management Options - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/would-raising-the-full-retirement-age-really-save-social-security monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/lost-wills monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/secure-20-adds-new-early-withdrawal-exceptions monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/a-guide-to-pot-trusts monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/quarterly-market-review-dimensional-q123 monthly 0.5 2026-02-11 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7eceb42f-84b0-4002-b10f-98f5196125ff/Screenshot+2023-04-06+at+10.37.29+PM.png The New Capital Journal - Quarterly Market Review - Make it stand out Click to view/download PDF for Q1 Quarterly Market Review. https://www.newcapitalmgmt.com/news/could-the-stock-market-spring-forward monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0cac4250-7e16-48da-bae1-81f9090d6664/stock-market-spring-forward.png The New Capital Journal - Could the Stock Market Spring Forward? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fd6c4ece-ad7a-4691-a076-7bac7a061649/Fidelity-spring1.png The New Capital Journal - Could the Stock Market Spring Forward? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0a163a79-1b11-4473-85e8-2e17f8d9a11a/Fidelity-spring2.png The New Capital Journal - Could the Stock Market Spring Forward? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1da12553-72d7-4857-8d47-af5fa5cce989/Fidelity-spring3.png The New Capital Journal - Could the Stock Market Spring Forward? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-is-the-difference-between-a-trust-account-and-an-estate-account monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/the-march-fomc-decision-is-the-fed-done-tightening monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a8c851eb-12b2-4fa6-af33-e4507f032af7/Screenshot+2023-03-30+at+11.33.21+PM.png The New Capital Journal - The March FOMC Decision: Is the Fed Done Tightening? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/vanguards-head-of-bonds-shares-perspective-on-recent-bank-closures monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/federal-income-tax-returns-due-for-most-individuals-23 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/types-of-taxes-that-can-affect-your-inheritance monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/how-do-investors-make-sense-of-economic-data-bank-failures-and-central-bank-actions monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/59379292-41ee-4b81-817b-524dc7768969/MI_OTMI_3.17.23+Chart.png The New Capital Journal - How Do Investors Make Sense of Economic Data, Bank Failures and Central Bank Actions? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/theres-still-time-to-fund-an-ira-for-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1ca63601-cfb8-4884-a388-c281e723f044/Screenshot+2023-03-23+at+3.18.28+PM.png The New Capital Journal - There's Still Time to Fund an IRA for 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2666814f-5f91-4c54-910e-080c240888fa/Screenshot+2023-03-23+at+3.18.40+PM.png The New Capital Journal - There's Still Time to Fund an IRA for 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-the-3-10-year-rules-work-for-inherited-iras monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/lgbtqia-estate-planning-understanding-issues-that-impact monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/6-things-seniors-should-consider-before-marrying monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/svb-comments monthly 0.5 2026-02-25 https://www.newcapitalmgmt.com/news/what-the-svb-closure-may-mean-for-markets monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ff7208ca-c53c-4b95-9c1f-e76990e508d6/Fidelity+-+SVB+closure.png The New Capital Journal - What the SVB Closure May Mean for Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/the-moral-hazards-of-banking-keep-increasing2 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/01679c53-2c0a-47f9-8d7a-ea641d918fe0/Screenshot+2023-03-17+at+3.38.14+PM.png The New Capital Journal - The Moral Hazards of Banking Keep Increasing - Make it stand out Source: Morningstar Direct, Morningstar Indexes. Data as of February 17, 2023. https://www.newcapitalmgmt.com/news/ways-to-help-keep-your-cash-safe monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3ffaab0b-b424-4496-8245-487cbf3d333b/ways-to-keep-your-cash-safe_banner.png The New Capital Journal - Ways to Help Keep Your Cash Safe - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/us-may-be-nearing-recession monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/55041b4a-bf14-486f-8c2d-c8ae089c9474/banner-recession.png The New Capital Journal - US May Be Nearing Recession - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4018b942-cddf-4929-9b41-d6362e5f39a8/Screenshot+2023-03-10+at+10.36.28+AM.png The New Capital Journal - US May Be Nearing Recession - Make it stand out The diagram above is a hypothetical illustration of the business cycle, the pattern of cyclical fluctuations in an economy over a few years that can influence asset returns over an intermediate-term horizon. There is not always a chronological, linear progression among the phases of the business cycle, and there have been cycles when the economy has skipped a phase or retraced an earlier one. A growth recession is a significant decline in activity relative to a country's long-term economic potential. Source: Fidelity Investments (AART), as of 02/06/2023. https://www.newcapitalmgmt.com/news/navigating-the-current-debt-limit-episode monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/important-life-lessons-for-everyone-to-know monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/the-us-national-debt monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/decb876a-f62c-42e3-ad59-a5b8948eac2b/Screenshot+2023-03-03+at+12.04.31+PM.png The New Capital Journal - The US National Debt - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5ea06f7f-3de8-4c2e-91bb-10a88e1367ed/Screenshot+2023-03-03+at+12.07.50+PM.png The New Capital Journal - The US National Debt - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4d6c8c6a-27df-427a-9de6-749d41d6c967/Screenshot+2023-03-03+at+12.09.46+PM.png The New Capital Journal - The US National Debt - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/97caa5b4-a653-44f8-ad7a-c4d5afe8b519/Screenshot+2023-03-03+at+12.11.17+PM.png The New Capital Journal - The US National Debt - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/whats-your-true-net-worth monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/why-ukraine-matters-to-you monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/dd673b22-6b8b-43df-96d4-d0aba047d779/Fidelity+-+ukraine-banner.png The New Capital Journal - Why Ukraine Matters To You - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3ee5c8b0-7e64-4d07-9e35-ce171e0f62e2/Screen+Shot+2023-03-02+at+10.22.32+PM.png The New Capital Journal - Why Ukraine Matters To You - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/term-life-insurance-vs-whole-life-insurance-what-you-need-to-know monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/how-does-an-sep-plan-work monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/fidelity-charitable-2023-giving-report monthly 0.5 2024-05-31 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a7d6afe5-0b69-4652-aa2b-a773c0dca34e/%2411B.png The New Capital Journal - Fidelity Charitable 2023 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ae540ded-3aa2-4105-84ab-29a423d4fad9/Screenshot+2023-02-24+at+10.58.17+AM.png The New Capital Journal - Fidelity Charitable 2023 Giving Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/21c41e36-5217-4c64-9512-4762c00a6aa2/Screenshot+2023-02-24+at+10.59.19+AM.png The New Capital Journal - Fidelity Charitable 2023 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/52c28264-60a8-456c-b90c-e54b7d758516/download-report.png The New Capital Journal - Fidelity Charitable 2023 Giving Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/markets-brief-european-stocks-shine-despite-war-in-ukraine monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6b5d8260-1bbf-4189-8d92-7ab9205e7faf/Screenshot+2023-02-24+at+10.48.37+AM.png The New Capital Journal - Markets Brief: European Stocks Shine Despite War in Ukraine - Make it stand out Source: Morningstar Direct, Morningstar Indexes. Data as of February 17, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ecaf2194-ff4d-41b8-8efd-1cf4bfc8792f/Screenshot+2023-02-24+at+10.51.10+AM.png The New Capital Journal - Markets Brief: European Stocks Shine Despite War in Ukraine - Make it stand out Source: Morningstar, Inc. Data as of February 17, 2023. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7315484b-f73b-4bd8-a8e8-b762f922e39d/Screenshot+2023-02-24+at+10.52.20+AM.png The New Capital Journal - Markets Brief: European Stocks Shine Despite War in Ukraine - Make it stand out Source: Morningstar, Inc. Data as of February 17, 2023. https://www.newcapitalmgmt.com/news/4-key-medicare-changes-for-2023 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/is-china-unavoidable-in-2023 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2ce01759-28de-46f2-9c34-db83f5259fa4/MI_OTMI_2.17.12+Chart.png The New Capital Journal - Is China Unavoidable In 2023? - Make it stand out Source: Wind, Civil Aviation Administration of China, J.P. Morgan Asset Management. Guide to China. Data are as of February 8, 2023. https://www.newcapitalmgmt.com/news/five-ways-secure-20-changes-the-required-minimum-distribution-rules monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b10e6674-9dda-4089-ad11-19ba9fe585fd/Screenshot+2023-02-24+at+10.13.50+AM.png The New Capital Journal - Five Ways SECURE 2.0 Changes the Required Minimum Distribution Rules - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/investments-101 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/international-stocks-due-for-a-comeback monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/34205b43-0935-4859-a9f7-673498ba46bd/international-stocks-due-for-a-comeback-banner.png The New Capital Journal - International Stocks Due for a Comeback? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/guardianship-a-complete-guide-to-legal-guardians monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9e579219-5b96-42c0-8966-e51c90d581a4/Screenshot+2023-02-17+at+10.26.13+AM.png The New Capital Journal - Guardianship: A Complete Guide to Legal Guardians - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1bd6fe98-30ed-48b1-a471-63346fae2b60/Screenshot+2023-02-17+at+10.28.16+AM.png The New Capital Journal - Guardianship: A Complete Guide to Legal Guardians - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e05a4680-772d-43a0-9875-b7aa1f2c96fd/Screenshot+2023-02-17+at+10.37.04+AM.png The New Capital Journal - Guardianship: A Complete Guide to Legal Guardians - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/will-disinflation-be-transitory monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/dc605e58-30c8-4792-9f21-be93e08e9fdc/Screen+Shot+2023-02-17+at+9.27.57+AM.png The New Capital Journal - Will Disinflation Be Transitory? - Make it stand out Source: Zillow, J.P. Morgan Asset Management. Data are as of January 23, 2023. https://www.newcapitalmgmt.com/news/a-toolkit-for-the-worst-case-scenario-job-loss monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/yields-are-back-but-could-rise-further monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/69c4ecba-3a7a-4d49-99c5-1409f83e3168/Screenshot+2023-02-17+at+11.27.44+AM.png The New Capital Journal - Yields Are Back, but Could Rise Further - Make it stand out Sources: BlackRock Investment Institute, with data from Refinitiv Datastream as of Nov. 10, 2022. Notes: The chart shows the S&P 500 price index (yellow line) versus analysts’ earnings growth estimates for 2023 (orange line) since the start of 2022. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8d007791-030b-44d1-aa7b-0f1d60e6ab02/Screenshot+2023-02-17+at+11.29.02+AM.jpg The New Capital Journal - Yields Are Back, but Could Rise Further - Make it stand out Source: Bloomberg, BlackRock. 9/17/2002-1/23/2023. US Investment Grade represented by the Bloomberg US Corporate Bond Index. US High Yield represented by the Bloomberg US High Yield 2% Issuer Capped Index. European Investment Grade represented by the Bloomberg Euro Aggregate Corporate Index. European High Yield represented by the Bloomberg Euro High Yield Bond Index. EM Investment Grade Sovereign represented by JPM EMBI Global Diversified Inv Grade Sovereign Spread Index. EM Investment Grade Corporate represented by JPM CEMBI Broad Div High Grade Spread to Worst Index. EM High Yield Corporate represented by JPM CEMBI Broad Div High Yield Spread to Worst Index. A basis point (bps) is one hundredth of one percent (e.g. one basis point = 0.01%). Indexes are unmanaged and one cannot invest directly in an index. Past performance does not guarantee future results. https://www.newcapitalmgmt.com/news/turkey-syria-earthquakes monthly 0.5 2026-02-25 https://www.newcapitalmgmt.com/news/two-steps-forward-one-step-back-for-investors monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b03e4a42-3c7d-4052-a339-2be74aa41696/Screenshot+2023-02-11+at+10.52.56+PM.png The New Capital Journal - Two Steps Forward, One Step Back for Investors - Make it stand out Past performance is no guarantee of results. In USD. MSCI country indices (net dividends) for each country listed. Does not include Israel, which MSCI classified as an emerging market prior to May 2010. MSCI data© MSCI 2021, all rights reserved. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f5c25a7d-00fa-4346-ac72-0a1f55f1930a/Screenshot+2023-02-11+at+10.55.20+PM.png The New Capital Journal - Two Steps Forward, One Step Back for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/80e3d498-6879-412b-ab14-ba1cd32f7325/Screenshot+2023-02-11+at+10.57.12+PM.png The New Capital Journal - Two Steps Forward, One Step Back for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d3a0fda5-cdc2-487f-a45b-08b5ccc934ca/Screenshot+2023-02-11+at+10.58.59+PM.png The New Capital Journal - Two Steps Forward, One Step Back for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-soon-could-the-federal-reserve-finish-hiking monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/379e0d9d-13f6-4075-bdf0-f114cd2d8f1c/Screenshot+2023-02-03+at+10.54.08+AM.png The New Capital Journal - How Soon Could the Federal Reserve Finish Hiking? - Make it stand out Source: Zillow, J.P. Morgan Asset Management. Data are as of January 23, 2023. https://www.newcapitalmgmt.com/news/federal-tax-filing-season-has-started-2023 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/will-the-us-run-out-of-funding-after-reaching-the-debt-ceiling-bmdbb monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b39d1458-673d-44c9-817b-ecab127c8927/Screenshot+2023-02-03+at+10.36.25+AM.png The New Capital Journal - What Does the Rental Market Mean for Inflation This Year? - Make it stand out Source: Zillow, J.P. Morgan Asset Management. Data are as of January 23, 2023. https://www.newcapitalmgmt.com/news/now-is-the-time-to-support-young-peoples-mental-health monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/backdoor-roth-ira-is-it-right-for-you monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1e038780-90e1-49ba-9eb5-ee4addbfde1e/what-is-a-backdoor-roth-ira-banner.png The New Capital Journal - Backdoor Roth IRA: Is it right for you? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8da9ac10-ad72-46f3-bc9d-e002eb9adf53/Screenshot+2023-02-02+at+10.34.47+PM.png The New Capital Journal - Backdoor Roth IRA: Is it right for you? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/a-guide-to-insurance-trusts monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c86bfd16-4ecb-495c-92f5-b496854b89d4/Screenshot+2023-02-03+at+9.56.29+AM.png The New Capital Journal - A Guide to Insurance Trusts - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/will-the-us-run-out-of-funding-after-reaching-the-debt-ceiling monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/314ec2db-6686-4fce-8574-580095ec2508/Screen+Shot+2023-01-26+at+3.36.39+PM.png The New Capital Journal - Will the U.S. Run Out of Funding After Reaching the Debt Ceiling? - Make it stand out Source: U.S. Treasury, J.P. Morgan Asset Management. Treasury General Account (TGA), Government Securities Investment Fund of Federal Employees Retirement System Thrift Savings Plan (G Fund), Exchange Stabilization Fund (ESF), Civil Service Retirement and Disability Fund (CSRDF), Postal Service Retiree Health Benefits Fund (PSRHBF). Data are as of January 19, 2023. https://www.newcapitalmgmt.com/news/ring-in-the-new-yield monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/07b32d45-4fc2-42d0-8cfd-60cc0e6bbea5/br1.1.png The New Capital Journal - Ring In The New Yield - Make it stand out Sources: BlackRock Investment Institute, with data from Refinitiv Datastream as of Nov. 10, 2022. Notes: The chart shows the S&P 500 price index (yellow line) versus analysts’ earnings growth estimates for 2023 (orange line) since the start of 2022. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/81ddfb08-99fc-4e2a-9859-426890bf95ff/br2.1.png The New Capital Journal - Ring In The New Yield - Make it stand out Source: Bloomberg; Morningstar As of 10/31/22. Yield is represented by yield to worst, a measure of the lowest possible yield that can be received on a bond that fully operates within the terms of its contract without defaulting. U.S. 1-3yr Treasury refers to the Bloomberg US Treasury 1-3yr Index. U.S. 1-3yr Investment Grade refers to the Bloomberg US Corporate 1-3yr Index. U.S. Aggregate Bond refers to the Bloomberg U.S. Aggregate Bond Index. Index performance is for illustrative purposes only. Index performance does not reflect any management fees, transaction costs or expenses. Indexes are unmanaged and one cannot invest directly in an index. Past performance does not guarantee future results. https://www.newcapitalmgmt.com/news/what-happens-with-joint-property monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/reasons-to-write-an-ethical-will monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/which-country-will-outperform-heres-why-it-shouldnt-matter monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c7b803be-46bc-43a4-b8a7-3ed1fe183b13/DFA---Countries.png The New Capital Journal - Which Country Will Outperform? Here’s Why It Shouldn’t Matter. - Make it stand out Past performance is no guarantee of results. In USD. MSCI country indices (net dividends) for each country listed. Does not include Israel, which MSCI classified as an emerging market prior to May 2010. MSCI data© MSCI 2021, all rights reserved. https://www.newcapitalmgmt.com/news/people-have-memories-markets-dont monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/this-budgeting-trick-can-help-with-your-financial-goals monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/municipal-bond-downgrades-coming-but-defaults-unlikely monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b8cf1bac-8c52-4e10-9b48-55bf720a6833/Screenshot+2023-01-19+at+9.43.33+AM.png The New Capital Journal - Municipal Bond Downgrades Coming, But Defaults Unlikely - Make it stand out Source: Moody's Investors Service, as of December 31, 2021. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0cd28ff3-9c75-4619-9eab-24f30cf864c6/Screenshot+2023-01-19+at+9.44.43+AM.png The New Capital Journal - Municipal Bond Downgrades Coming, But Defaults Unlikely - Make it stand out Source: Moody's Investors Service, as of December 31, 2021. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6a34e939-7c48-4436-9e03-c934f727987a/Screenshot+2023-01-19+at+9.45.49+AM.png The New Capital Journal - Municipal Bond Downgrades Coming, But Defaults Unlikely - Make it stand out Source: Moody's Investors Service, as of December 31, 2021. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/68c0bc2b-d968-4133-90a5-1a057b036ab7/Screenshot+2023-01-19+at+9.46.31+AM.png The New Capital Journal - Municipal Bond Downgrades Coming, But Defaults Unlikely - Make it stand out Source: Moody's Investors Service, as of January 1, 2021. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c6b087af-b1df-4188-9326-3eace6835ddd/Screenshot+2023-01-19+at+9.47.07+AM.png The New Capital Journal - Municipal Bond Downgrades Coming, But Defaults Unlikely - Make it stand out Source: Vanguard calculations based on Moody's© Investors Service. https://www.newcapitalmgmt.com/news/how-to-find-funds-that-address-systemic-racism-and-the-wealth-gap monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/year-end-market-review-webinar-recording monthly 0.5 2025-06-16 https://www.newcapitalmgmt.com/news/2022-annual-and-q4-market-review monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b2e34636-df23-4439-9ab3-7577b9c2e0b1/Screenshot+2023-01-13+at+9.11.41+AM.png The New Capital Journal - 2022 Annual & Q4 Market Review - Make it stand out Click to view/download PDF https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6eab48eb-f8f7-4535-b149-b30a1a6ab4f9/Screenshot+2023-01-13+at+9.10.26+AM.png The New Capital Journal - 2022 Annual & Q4 Market Review - Make it stand out Click to view/download PDF https://www.newcapitalmgmt.com/news/outlook-2023-bonds-are-back monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/cbeea58d-a17b-4fbd-b112-daa12400166f/bond-market-2022-mid-year-outlook-banner.png The New Capital Journal - Outlook 2023: Bonds Are Back - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/is-the-yield-curve-signaling-a-recession monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7b8eecc8-7208-45da-b719-6356a95d9902/Screen+Shot+2023-01-12+at+11.03.02+PM.png The New Capital Journal - Is the Yield Curve Signaling a Recession? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-are-the-investment-implications-of-chinas-reopening monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a0d5e9ec-ec0f-4205-a8ba-20e8d49682aa/Screen+Shot+2023-01-12+at+11.15.01+PM.png The New Capital Journal - What Are The Investment Implications of China’s Reopening? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-to-know-about-inherited-iras monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/48fc6ac6-8e3a-4adb-9c14-e96568d3c8a9/Screen+Shot+2023-01-12+at+11.19.34+PM.png The New Capital Journal - What to Know About Inherited IRAs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2d18558f-a2bf-4d02-80d0-b737d8cfda32/Screen+Shot+2023-01-12+at+11.20.17+PM.png The New Capital Journal - What to Know About Inherited IRAs - Make it stand out A spouse beneficiary may wait until the deceased spouse would have reached their RBD to begin taking distributions. A spouse beneficiary may also choose to treat the inherited IRA as their own IRA or transfer or roll over the inherited assets to their own IRA, but should do so by the latter of: December 31 of the year following the year of the IRA owner’s death, or December 31 of the year in which the spouse beneficiary attains age 72. **Minor children may take annual payments until they reach the age of majority (age 21 according to IRS proposed regulations). Then, they must deplete the IRA within 10 years (i.e., by age 31). ***If a trust qualifies as a “look through” trust, it may be treated as an Eligible Designated Beneficiary or a Designated Beneficiary for determining inherited IRA distribution options. https://www.newcapitalmgmt.com/news/2022-year-end-letter-to-clients monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1672937815376-XPKEWWDH15DOF5HWG755/LG-Hannah.jpg The New Capital Journal - 2022 Year End Letter to Clients https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1672937815377-TW4352JACK080AX46O02/LG-Augie-skiing.jpg The New Capital Journal - 2022 Year End Letter to Clients https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1672938052943-CSYKL12I5NSTJP2AM582/Hannah-Abby-skiing.jpg The New Capital Journal - 2022 Year End Letter to Clients https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f8d9f0e7-524b-44dd-bf13-66787c4f8daf/mountain.png The New Capital Journal - 2022 Year End Letter to Clients - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c7eee32f-9b14-431a-9804-505f8b2e5d0f/Mining.jpeg The New Capital Journal - 2022 Year End Letter to Clients - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8ebd58b8-21a6-4ff0-9bef-3a3b74f86f3b/Screenshot+2023-01-03+at+9.22.23+AM.png The New Capital Journal - 2022 Year End Letter to Clients - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/237d16b9-6f91-4520-a91e-9549812dd6ec/NCM_Model_Portfolios-as-of-2022-12-6.png The New Capital Journal - 2022 Year End Letter to Clients - Make it stand out Click on the table to open a larger view https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/LG-sig2.gif The New Capital Journal - 2022 Year End Letter to Clients - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/secure-act-20-highlights monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/expecting-more-market-chop-in-2023 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/03510416-00c3-49b8-983e-1c6f037b5cf0/Timmer.jpeg The New Capital Journal - Expecting More Market Chop in 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/86ffe8b3-45a3-405d-863a-b72965c5aef5/Screenshot+2022-12-30+at+1.45.04+PM.png The New Capital Journal - Expecting More Market Chop in 2023 - Make it stand out A basis point is 0.01 percentage point. Risk-neutral yield refers to the nominal yield minus the term premium, which is considered to be the portion of interest rates that compensates investors for the additional risk of lending for longer periods of time. Source: FMRCo., Bloomberg. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/74c7819d-128e-41e5-bbd6-b874b51ad7b8/Screenshot+2022-12-30+at+1.48.49+PM.png The New Capital Journal - Expecting More Market Chop in 2023 - Make it stand out The Secured Overnight Financing Rate (SOFR) curve shows implied estimates for future interest rates that are embedded into current yield curves. Each dot represents an FOMC participant's assessment of appropriate monetary policy for a future period, based on the dot plot released December 14, 2022. Source: FMRCo., Bloomberg. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/72593112-6377-4cf5-aa5a-6a00d72a3b42/Screenshot+2022-12-30+at+1.50.48+PM.png The New Capital Journal - Expecting More Market Chop in 2023 - Make it stand out Past performance is no guarantee of future results. Year-to-date total return. Source: FactSet. https://www.newcapitalmgmt.com/news/tenancy-in-common-vs-joint-tenancy-what-you-need-to-know monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/2022-year-end-planning monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fd5d5280-8616-4223-9e86-fae5cd6ad4f1/JC---1x1.gif The New Capital Journal - 2022 Year End Planning https://www.newcapitalmgmt.com/news/this-has-been-a-test monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/6-conversations-about-money-to-have-with-your-family-over-the-holidays monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/podcast-will-2023-be-a-year-of-slow-growth-but-better-markets monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ffe2bbf7-26bd-4a79-a602-9706f747e6a6/Screen+Shot+2022-12-22+at+2.37.12+PM.png The New Capital Journal - PODCAST: Will 2023 Be A Year of Slow Growth, But Better Markets? - Make it stand out Select the image to listen to the podcast. https://www.newcapitalmgmt.com/news/last-minute-charitable-giving-strategies-for-2022 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/ncm360-data-loading monthly 0.5 2025-04-08 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c82f9adf-414f-4e31-b9c8-9fc66fb37b67/CM--1x1.gif The New Capital Journal - NCM360 Data Loading https://www.newcapitalmgmt.com/news/2023-economy-and-markets-4-things-to-know monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f2c0d1f6-1843-47e1-88a1-c203fab602d5/Screen+Shot+2022-12-14+at+10.24.02+PM.png The New Capital Journal - 2023 Economy and Markets: 4 Things to Know - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c2fb1e00-047f-4674-bbda-10181c76efc6/Screen+Shot+2022-12-14+at+10.25.04+PM.png The New Capital Journal - 2023 Economy and Markets: 4 Things to Know - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4fc5942c-0b24-4995-891d-0e88464329bb/Screen+Shot+2022-12-14+at+10.27.17+PM.png The New Capital Journal - 2023 Economy and Markets: 4 Things to Know - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d69880c9-529a-4804-a73c-fe7a69976d9d/Screen+Shot+2022-12-14+at+10.28.29+PM.png The New Capital Journal - 2023 Economy and Markets: 4 Things to Know - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/is-inflation-finally-slowing monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7eacbe95-77ae-4bd6-aba3-f3af34752cb4/Screen+Shot+2022-12-14+at+10.05.15+PM.png The New Capital Journal - Is Inflation Finally Slowing? - Make it stand out Source: FactSet, MSCI, Standard & Poor’s, J.P. Morgan Asset Management. All return values are MSCI Gross Index (official) data. Multiple expansion is based on the forward P/E ratio, and EPS growth outlook is based on NTMA earnings estimates. Chart is for illustrative purposes only. Past performance is not indicative of future results. Data are as of December 7, 2022. 1The average advisor portfolio analyzed by our Portfolio Insights team holds a 10-percentage point underweight to international equities versus a neutral allocation (25% vs. 35% allocation to international equities as a percentage of a total equity allocation). https://www.newcapitalmgmt.com/news/when-do-beneficiaries-of-a-will-get-notified-a-guide monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/have-international-equity-markets-already-priced-in-the-worst monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3255f02d-ffd9-47c0-9ca7-7688ccf11670/Screenshot+2022-12-09+at+2.51.03+PM.png The New Capital Journal - Have International Equity Markets Already Priced in the Worst? - Make it stand out Source: FactSet, MSCI, Standard & Poor’s, J.P. Morgan Asset Management. All return values are MSCI Gross Index (official) data. Multiple expansion is based on the forward P/E ratio, and EPS growth outlook is based on NTMA earnings estimates. Chart is for illustrative purposes only. Past performance is not indicative of future results. Data are as of December 7, 2022. 1The average advisor portfolio analyzed by our Portfolio Insights team holds a 10-percentage point underweight to international equities versus a neutral allocation (25% vs. 35% allocation to international equities as a percentage of a total equity allocation). https://www.newcapitalmgmt.com/news/can-a-529-plan-help-with-estate-planning monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/2023-key-numbers monthly 0.5 2024-12-31 https://www.newcapitalmgmt.com/news/student-loan-repayment-delayed-again-to-future-date-in-2023 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/feeling-grateful-give-generously monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/time-the-market-at-your-peril monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/2022-mutual-fund-estimated-distributions monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fd5d5280-8616-4223-9e86-fae5cd6ad4f1/JC---1x1.gif The New Capital Journal - 2022 Mutual Fund Estimated Distributions https://www.newcapitalmgmt.com/news/market-perspectives-december-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/709fd92d-2125-4f48-b6e5-af32ecb91f1e/Screen+Shot+2022-12-01+at+8.17.30+PM.jpg The New Capital Journal - Market Perspectives: December 2022 - Make it stand out These probabilistic return assumptions depend on current market conditions and, as such, may change over time. IMPORTANT: The projections or other information generated by the Vanguard Capital Markets Model® regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Distribution of return outcomes from the VCMM are derived from 10,000 simulations for each modeled asset class. Simulations are as of June 30, 2022. Results from the model may vary with each use and over time. For more information, see the Notes section. Source: Vanguard Investment Strategy Group. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/eb08fcb0-3e04-476b-860c-2810cbf253f4/Screen+Shot+2022-12-01+at+8.18.17+PM.png The New Capital Journal - Market Perspectives: December 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/managing-liquidity-risk-in-the-worlds-deepest-bond-market monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/064fc936-abba-400f-86e5-bc5d762db3b0/Screen+Shot+2022-12-01+at+8.22.27+PM.png The New Capital Journal - Managing Liquidity Risk in the World’s Deepest Bond Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7aff1576-78d6-4397-8562-ae986c90b10f/Screen+Shot+2022-12-01+at+8.23.03+PM.png The New Capital Journal - Managing Liquidity Risk in the World’s Deepest Bond Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/benefits-of-establishing-a-minor-ira monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/year-end-charitable-giving-2022 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/time-to-have-a-family-money-meeting monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f6b789cc-8b36-4468-b80e-db4ebbe0d843/Screenshot+2022-11-24+at+11.43.51+PM.png The New Capital Journal - Time to Have a Family Money Meeting? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-do-the-midterm-elections-impact-the-outlook-for-markets-and-the-economy monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fd494e07-0b49-4d64-b90f-c2b8240636de/Screenshot+2022-11-24+at+11.23.59+PM.png The New Capital Journal - How Do the Midterm Elections Impact the Outlook for Markets and the Economy? - Make it stand out Source: S&P, J.P. Morgan Asset Management. Data are as of November 17, 2022. https://www.newcapitalmgmt.com/news/avoiding-taxable-transactions-ira-rollovers monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/weekly-market-commentary-blackrock-nov142022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/005843bb-4879-4690-b7c4-daf9e656dd16/BlackRock+-+Weekly+-+11-17-22.png The New Capital Journal - Weekly Market Commentary - Make it stand out Sources: BlackRock Investment Institute, with data from Refinitiv Datastream as of Nov. 10, 2022. Notes: The chart shows the S&P 500 price index (yellow line) versus analysts’ earnings growth estimates for 2023 (orange line) since the start of 2022. https://www.newcapitalmgmt.com/news/markets-dont-wait-for-official-announcements monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d69eb47e-fc42-4f4d-bc1c-2c6ccbfbeaf5/DFA+-+Markets+dont+wait.png The New Capital Journal - Markets Don’t Wait for Official Announcements - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-is-the-outlook-for-long-term-returns monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a2c46733-3c6f-4735-9565-6d3f1177203c/JPM-11-17.png The New Capital Journal - What Is the Outlook for Long-Term Returns? - Make it stand out Source: J.P. Morgan Asset Management; estimates as of September 2021 and September 2022 *EM = Emerging Markets; DM = Developed Markets https://www.newcapitalmgmt.com/news/when-higher-inflation-meets-your-withdrawal-rate monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/keeping-beneficiary-designations-up-to-date monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/is-a-slower-rate-hike-path-on-the-horizon monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/183af37a-5981-4cbf-80c4-286ba5550c01/Screenshot+2022-11-09+at+2.28.51+PM.png The New Capital Journal - Is a Slower Rate Hike Path on the Horizon? - Make it stand out Source: Federal Reserve, Bloomberg, J.P. Morgan Asset Management. Data are as of November 2, 2022. https://www.newcapitalmgmt.com/news/irs-cola-changes-for-2023 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f3555caa-037d-4c51-a5c1-beb19239dd6a/1.png The New Capital Journal - IRS COLA Changes for 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/10f7387a-1aef-49e5-8d33-212a4c2310a4/2.png The New Capital Journal - IRS COLA Changes for 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2a2ce6cd-b09f-439b-bb79-33b452629d2f/3.png The New Capital Journal - IRS COLA Changes for 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7ef1d037-d45a-4c7d-8df2-4f4aea182bd7/4.png The New Capital Journal - IRS COLA Changes for 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ae4a4e16-e16a-475b-b4ea-39939ecd7ad6/5.png The New Capital Journal - IRS COLA Changes for 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/970971a3-3c01-4332-a7f5-f58cd7e29a29/6.png The New Capital Journal - IRS COLA Changes for 2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/the-red-flags-of-elder-financial-abuse monthly 0.5 2026-02-04 https://www.newcapitalmgmt.com/news/top-10-success-tips-for-estate-planning monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/2022-conference-presentations monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/trust-the-financial-advisor-who-trusts-the-market monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-perspectives-november-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/940a787b-f434-47bd-bb3d-385a51409d7c/Screenshot+2022-11-04+at+11.26.34+AM.png The New Capital Journal - Market Perspectives: November 2022 - Make it stand out These probabilistic return assumptions depend on current market conditions and, as such, may change over time. IMPORTANT: The projections or other information generated by the Vanguard Capital Markets Model® regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Distribution of return outcomes from the VCMM are derived from 10,000 simulations for each modeled asset class. Simulations are as of June 30, 2022. Results from the model may vary with each use and over time. For more information, see the Notes section. Source: Vanguard Investment Strategy Group. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/28669391-16d7-4fa4-b7b2-43439a5f40c5/Screenshot+2022-11-04+at+11.49.35+AM.png The New Capital Journal - Market Perspectives: November 2022 - Make it stand out Notes: Market expectations for central bank policy rates at a given time are represented by one-month forward swap rates. U.S. swaps are based on published overnight federal funds rate indexes. Euro area swaps are based on the published euro overnight index average. U.K. swaps are based on published overnight bank rate indexes. Neutral-rate ranges are Vanguard estimates. The neutral rate is the level at which policy interest rates would neither stimulate nor restrict an economy. Estimates of the neutral rate are determined by long-term economic factors and are subject to a wide band of statistical uncertainty. Estimates of the nominal neutral rate assume inflation of 2% in the United States, 1.8% in the euro area, and 2% in the United Kingdom. The Vanguard terminal rate is our view of the level at which central bank policy rates will peak during their interest rate tightening cycle. Source: Vanguard analysis, as of October 14, 2022. https://www.newcapitalmgmt.com/news/what-does-a-strong-dollar-mean-for-the-us-economy monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c968f113-c53f-46aa-8042-f8335c0e5a55/Screenshot+2022-11-04+at+11.54.13+AM.png The New Capital Journal - What Does a Strong Dollar Mean for the U.S. Economy? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/an-action-plan-for-long-term-care-2022 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/policy-reality-check-tighter-for-longer monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/44f9c28b-6697-4305-98b7-65a4dceb2df4/1.png The New Capital Journal - Policy Reality Check: Tighter for Longer - Make it stand out Source: Refinitiv DataStream, BlackRock Investment Institute, October 2022. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3fd9b162-caa7-4ad2-ba6d-e03ff8520757/2.png The New Capital Journal - Policy Reality Check: Tighter for Longer - Make it stand out Source: BlackRock, Burning Glass Technologies, as of October 2022. Q1 is the lowest income quartile, Q4 is the highest income quartile. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a20bc419-67b8-459f-9135-5fb575bb834f/3.png The New Capital Journal - Policy Reality Check: Tighter for Longer - Make it stand out Source: BlackRock, Earnest Research, October 2022. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/722d8734-e83e-4b6a-bde0-229a0a841173/4.png The New Capital Journal - Policy Reality Check: Tighter for Longer - Make it stand out Source: BlackRock, monthly observations from broker reports, September 2022. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/dc846380-18a7-4c8e-90e9-1154b9194c60/5.png The New Capital Journal - Policy Reality Check: Tighter for Longer - Make it stand out Source: BlackRock, as of October 2022. Text-based policy sentiment extracted from developed market central bank speeches. Developed market growth nowcast based on leading indicators including consensus economics GDP expectations 1-year ahead, flash and final manufacturing PMI new order components, flash and final services PMI new orders, surveys on business and consumer sentiment, housing activity, and corporate earnings forecasts. https://www.newcapitalmgmt.com/news/retirement-legislation-awaits-further-action monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3e883422-d72d-4d8f-ad3e-d90d4d921aa0/10-19-22.png The New Capital Journal - Retirement Legislation Awaits Further Action - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/making-a-gift-on-your-deathbed monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Making a Gift on Your Deathbed? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/what-should-investors-expect-for-3q22-earnings monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c36cd10b-ebb9-482a-987b-37a578550a44/Screen+Shot+2022-10-20+at+9.15.03+AM.png The New Capital Journal - What Should Investors Expect for 3Q22 Earnings? - Make it stand out Source: FactSet, Standard & Poor's, J.P. Morgan Asset Management. https://www.newcapitalmgmt.com/news/medicare-open-enrollment-is-here-how-are-costs-changing-for-2023 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0bce5851-11dd-4c49-a205-51521a75a769/FF+-+medicare.png The New Capital Journal - Medicare Open Enrollment Is Here: How Are Costs Changing for 2023? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/revocable-vs-irrevocable-trusts monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Revocable vs. Irrevocable Trusts Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/what-a-strong-us-dollar-means-for-investors monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/quarterly-report-access-on-ncm360-4dlt6 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/quarterly-market-review-dimensional2022q3 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/add9f9e4-e1aa-4bed-81b4-9cfe33586068/Q3-Title-Page.png The New Capital Journal - Quarterly Market Review - Q3 2022 - Make it stand out Click to view/download PDF https://www.newcapitalmgmt.com/news/fear-itself monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/timmer-the-fed-isnt-the-markets-only-problem monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3cbc7b04-6841-4df1-b1d0-b071cbe52c2a/Fidelity---Timmer---Chart-1.png The New Capital Journal - Timmer: The Fed isn't the Market's Only Problem - Make it stand out Past performance is no guarantee of future results. Market breadth represents the percent of S&P 500 index constituents trading above their respective 200-day moving averages. Earnings estimates revisions index represents S&P 500 index constituents experience positive earnings estimate revisions, minus those experiencing negative earnings estimate revisions, expressed as a percentage of index members. Source: First Call, I/B/E/S. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/18778629-f23a-4a39-a09b-11a5d0fc6f2a/Fidelity---Timmer---Chart-2.png The New Capital Journal - Timmer: The Fed isn't the Market's Only Problem - Make it stand out Past performance is no guarantee of future results. US dollar index (DXY) measures changes in the dollar’s value relative to a basket of major currencies. Expected earnings-per-share growth rate is measured by comparing expected earnings for the next 12 months with actual earnings over the previous 12 months. Source: First Call, I/B/E/S. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c8d9b5ec-3f3e-4a0e-9370-2c08c132f67d/Fidelity---Timmer---Chart-3.png The New Capital Journal - Timmer: The Fed isn't the Market's Only Problem - Make it stand out Secured overnight financing rate is the interest rate charged for borrowing cash overnight collateralized by Treasury Securities. Source: Bloomberg, FMRCo. https://www.newcapitalmgmt.com/news/hurricane-ian-relief-recovery-efforts monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/leaving-inheritance-unequally-to-heirs monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Leaving Inheritance Unequally to Heirs Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/notes-from-a-bear-market monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/LG-sig2.gif The New Capital Journal - Notes from a Bear Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/can-bond-portfolios-benefit-from-inflation-and-rising-interest-rates monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/when-can-the-fed-stop-hiking-interest-rates monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/587079fb-bb30-47fb-90e5-67c13a5d84c1/JPM---chart.png The New Capital Journal - When Can the Fed Stop Hiking interest Rates? - Make it stand out Source: Bloomberg, J.P. Morgan Asset Management. Data are as of September 26, 2022. https://www.newcapitalmgmt.com/news/how-to-invest-betterand-live-better monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/fafsa-for-2023-2024-school-year-opens-on-october-1 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/are-markets-more-in-line-with-fed-rate-expectations monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/df46c3a4-9fe1-4fbe-abe0-f45d57a28a1c/JPM---chart.png The New Capital Journal - Are Markets More In Line With Fed Rate Expectations? - Make it stand out Source: Bloomberg, Federal Reserve, J.P. Morgan Asset Management. *Forecasts of 18 FOMC participations, median estimate. **Green denotes an adjustment higher, red denotes an adjustment lower. Data are as of September 21, 2022. https://www.newcapitalmgmt.com/news/wes-crill-on-global-diversification-market-declines-and-value monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/webinar-mmm-difficulty monthly 0.5 2023-12-11 https://www.newcapitalmgmt.com/news/when-will-the-us-dollar-peak monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/53d8c4ca-df0d-41fb-b11d-b8a05501e3cd/JPM---dollar---chart.png The New Capital Journal - When Will The U.S. Dollar Peak? - Make it stand out Source: FactSet, Federal Reserve, Tullett Prebon, J.P. Morgan Asset Management. *Nominal trade weighted index (major currencies) includes Australia, Canada, Europe, Japan, Sweden, Switzerland and UK. Interest rate differential is the difference between the 10-year U.S. Treasury yield and a basket of the 10-year yields of each of the seven major currencies. Weights on the basket are calculated using the 10-year average of total government bonds outstanding in each region. Europe is defined as the 19 countries in the euro area. Data are as of September 13, 2022. https://www.newcapitalmgmt.com/news/high-inflation-today-a-job-full-recession-tomorrow monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/could-fall-weakness-in-growth-stocks-bring-opportunity monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3d7659d0-3ec0-4cb0-98e8-a8e0c53ff11f/BlackRock---weakness---1.png The New Capital Journal - Could Fall Weakness In Growth Stocks Bring Opportunity? - Make it stand out Refinitiv Datastream chart by BlackRock Investment Institute, Sep 05, 2022 https://www.newcapitalmgmt.com/news/evolution-of-the-401k monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f6b9e028-b29e-498c-a63c-29e4057e2c1b/Screen+Shot+2022-09-16+at+10.31.29+AM.png The New Capital Journal - Evolution of the 401(k) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/34e480f8-1b3b-4b1c-b7d4-264c9dd19c8c/Screen+Shot+2022-09-16+at+10.32.03+AM.png The New Capital Journal - Evolution of the 401(k) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2d83db4f-64eb-46f7-b317-483291a397f6/Screen+Shot+2022-09-16+at+10.32.37+AM.png The New Capital Journal - Evolution of the 401(k) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d2a3762f-29e6-42ed-a544-02073ab086a3/Screen+Shot+2022-09-16+at+10.33.11+AM.png The New Capital Journal - Evolution of the 401(k) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/547f4196-da47-4a09-8246-d7c7fe2ac5ea/Screen+Shot+2022-09-16+at+10.33.43+AM.png The New Capital Journal - Evolution of the 401(k) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/while-criticizing-esg-investing-florida-texas-public-pensions-have-overwhelmingly-supported-esg-resolutions-morningstar-study-says monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/defenders-of-esg-go-on-the-offensive monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2e64615a-3b49-4ede-87d5-e4b768b57545/Morningstar---ESG---defenders.png The New Capital Journal - Defenders of ESG Go on the Offensive - Make it stand out In 2021, public pension plans showed a higher rate of support for ESG shareholder resolutions https://www.newcapitalmgmt.com/news/faangs-gone-value monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9aa1015c-872d-453f-9e7a-106b5f72ee78/DFA---FAANGs.png The New Capital Journal - FAANGs Gone Value - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/dont-stop-giving-to-charity-during-rocky-marketsjust-give-smarter monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-perspectives-september-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b156c1da-f1a8-49ce-9f78-cd74616398c4/Screen+Shot+2022-09-01+at+10.39.22+PM.png The New Capital Journal - Market Perspectives: September 2022 - Make it stand out Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Notes: U.S. equities are represented by MSCI USA Index; international equities are represented by MSCI All Country World Index ex USA. Data as of April 30, 2022. Sources: Vanguard, Thomson Reuters Datastream, and MSCI. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/425b05ee-a7a1-459f-ae02-ea18ab55ea0a/Screen+Shot+2022-09-01+at+10.40.14+PM.jpg The New Capital Journal - Market Perspectives: September 2022 - Make it stand out IMPORTANT: The projections and other information generated by the Vanguard Capital Markets Model® regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Distribution of return outcomes from the VCMM are derived from 10,000 simulations for each modeled asset class. Simulations are as of March 31, 2022. Results from the model may vary with each use and over time. For more information, please see below. Source: Vanguard Investment Strategy Group. https://www.newcapitalmgmt.com/news/inflation-slowing-growth-dogs-us-economy monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d7a96d01-29ae-4593-9e02-f3ab3631f84c/Fidelity---inflation.png The New Capital Journal - Inflation, Slowing Growth Dogs US Economy - Make it stand out The diagram above is a hypothetical illustration of the business cycle, the pattern of cyclical fluctuations in an economy over a few years that can influence asset returns over an intermediate-term horizon. There is not always a chronological, linear progression among the phases of the business cycle, and there have been cycles when the economy has skipped a phase or retraced an earlier one. * A growth recession is a significant decline in activity relative to a country’s long-term economic potential. We use the “growth cycle” definition for most developing economies, such as China, because they tend to exhibit strong trend performance driven by rapid factor accumulation and increases in productivity, and the deviation from the trend tends to matter most for asset returns. We use the classic definition of recession, involving an outright contraction in economic activity, for developed economies. Source: Fidelity Investments (AART), as of 7/31/22. https://www.newcapitalmgmt.com/news/how-will-the-inflation-reduction-act-impact-the-economy monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/545e7f81-3f15-490e-9798-4de6ca0c9c18/Screen+Shot+2022-09-01+at+10.47.23+PM.png The New Capital Journal - How Will the Inflation Reduction Act Impact the Economy? - Make it stand out Source: FactSet, Federal Reserve, J.P. Morgan Investment Bank, J.P. Morgan Asset Management. At its peak, the balance sheet contained $5.8tn in Treasuries and $2.7tn in MBS. *The forecast assumes the Federal Reserve begins balance sheet runoff in June at an intial pace of $30bn in Treasuries and $17.5bn in MBS, then doubling in September. The forecast does not include the active selling of securities from the committee. **Loans include liquidity and credit extended through corporate credit facilities established in March 2020. Other includes primary, secondary and seasonal loans, repurchase agreements, foreign currency reserves and maiden lane securities. Forecasts are not a reliable indicator of future performance. Forecasts, projections and other forward-looking statements are based upon current beliefs and expectations. They are for illustrative purposes only and serve as an indication of what may occur. Given the inherent uncertainties and risks associated with forecasts, projections or other forward-looking statements, actual events, results or performance may differ materially from those reflected or contemplated. Guide to the Markets – U.S. Data are as of June 6, 2022. 1As of May 31, 2022. 2For more details on the mechanics and flow of capital, please see Cash Crusade: Part 1 and Part 2. 3In the Federal Reserve Overnight Reverse Repo Repurchase Facility (RRP), the Fed takes excess cash out of the system by lending out securities it has on its balance sheet, which it then takes back the next day. https://www.newcapitalmgmt.com/news/what-will-a-buyback-tax-mean-for-dividends monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ae3564ac-b8bc-4281-b844-c78cbb689d1a/Screen+Shot+2022-09-01+at+10.49.48+PM.png The New Capital Journal - What Will A Buyback Tax Mean for Dividends? - Make it stand out Source: FactSet, Federal Reserve, J.P. Morgan Investment Bank, J.P. Morgan Asset Management. At its peak, the balance sheet contained $5.8tn in Treasuries and $2.7tn in MBS. *The forecast assumes the Federal Reserve begins balance sheet runoff in June at an intial pace of $30bn in Treasuries and $17.5bn in MBS, then doubling in September. The forecast does not include the active selling of securities from the committee. **Loans include liquidity and credit extended through corporate credit facilities established in March 2020. Other includes primary, secondary and seasonal loans, repurchase agreements, foreign currency reserves and maiden lane securities. Forecasts are not a reliable indicator of future performance. Forecasts, projections and other forward-looking statements are based upon current beliefs and expectations. They are for illustrative purposes only and serve as an indication of what may occur. Given the inherent uncertainties and risks associated with forecasts, projections or other forward-looking statements, actual events, results or performance may differ materially from those reflected or contemplated. Guide to the Markets – U.S. Data are as of June 6, 2022. 1As of May 31, 2022. 2For more details on the mechanics and flow of capital, please see Cash Crusade: Part 1 and Part 2. 3In the Federal Reserve Overnight Reverse Repo Repurchase Facility (RRP), the Fed takes excess cash out of the system by lending out securities it has on its balance sheet, which it then takes back the next day. https://www.newcapitalmgmt.com/news/benefits-of-life-insurance-in-estate-planning monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Benefits of Life Insurance in Estate Planning Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/new-cancellation-for-federal-student-loans-and-delayed-repayment-to-2023 monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/catherine-ten-years monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/LG-sig2.gif The New Capital Journal - Catherine Bahr - Ten Years - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/20-ira-mistakes-to-avoid-2022 monthly 0.5 2026-02-02 https://www.newcapitalmgmt.com/news/client-document-functionality monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/celebrating-black-philanthropy monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/gen-z-and-the-future-of-retirement monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/inflation-reduction-act-what-you-should-know monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/ingenuity-and-the-investor monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/legislative-impacts-on-roth-ira-conversions monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/whats-the-difference-between-a-living-will-and-a-dnr monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - What’s the Difference Between a Living Will and a DNR? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/the-difference-between-a-forecast-a-wish-and-a-worry monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/3-tips-to-help-you-cut-medicare-rx-costs monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/is-the-us-economy-in-a-recession monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/guardianship-alternatives monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Guardianship Alternatives Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/market-outlook-are-recession-risks-rising monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/7-charitable-tax-deduction-questions-answered monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/78dc2d89-bab5-44cf-ac6e-ade64da9729f/Screen+Shot+2022-07-27+at+9.22.39+PM.png The New Capital Journal - 7 Charitable Tax Deduction Questions Answered - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1150a08c-b865-4620-ad92-3fd0b12878a6/Screen+Shot+2022-07-27+at+9.23.56+PM.png The New Capital Journal - 7 Charitable Tax Deduction Questions Answered - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/making-cash-flows-count monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/dcdd3198-948f-4752-8f82-d6d154b563c3/Screen+Shot+2022-07-27+at+9.32.48+PM.jpg The New Capital Journal - Making Cash Flows Count - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/81255d8b-c4ab-4506-8a2a-6d94cf1bb015/Screen+Shot+2022-07-27+at+9.33.38+PM.jpg The New Capital Journal - Making Cash Flows Count - Make it stand out Past performance is not a guarantee of future results. Source: Bloomberg https://www.newcapitalmgmt.com/news/4-reasons-to-embrace-global-investing monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/82ff3ac2-603a-43fd-8dad-72dd1c2cf4f5/Vanguard-1.png The New Capital Journal - 4 Reasons to Embrace Global Investing - Make it stand out Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Notes: U.S. equities are represented by MSCI USA Index; international equities are represented by MSCI All Country World Index ex USA. Data as of April 30, 2022. Sources: Vanguard, Thomson Reuters Datastream, and MSCI. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/35177706-1786-4652-823f-bafefb8c53d4/Vanguard-2.png The New Capital Journal - 4 Reasons to Embrace Global Investing - Make it stand out IMPORTANT: The projections and other information generated by the Vanguard Capital Markets Model® regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Distribution of return outcomes from the VCMM are derived from 10,000 simulations for each modeled asset class. Simulations are as of March 31, 2022. Results from the model may vary with each use and over time. For more information, please see below. Source: Vanguard Investment Strategy Group. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/574ab6d8-f719-4ccc-a747-180678703434/Vanguard-3.png The New Capital Journal - 4 Reasons to Embrace Global Investing - Make it stand out Notes: Non-U.S. equities are represented by MSCI World Index ex USA and U.S. stocks are represented by the MSCI USA Index from March 31, 1970, through March 31, 2020. Past performance is no guarantee of future results. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Sources: Derived from data provided by Vanguard and MSCI as of March 31, 2020. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/95a372d1-1884-4bdf-8d0c-d4e212c9cc0d/Vanguard-4.png The New Capital Journal - 4 Reasons to Embrace Global Investing - Make it stand out Sources: Vanguard and FactSet, as of May 31, 2022. U.S. equities are represented by MSCI USA Index and non-U.S. equities are represented by MSCI ACWI Ex-USA Index. https://www.newcapitalmgmt.com/news/does-investing-in-european-equities-still-make-sense monthly 0.5 2026-02-25 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8fa38b0f-308e-4035-802b-5e93756c3a67/Screen+Shot+2022-07-27+at+9.07.59+PM.png The New Capital Journal - Does Investing In European Equities Still Make Sense? - Make it stand out Source: FactSet, Federal Reserve, J.P. Morgan Investment Bank, J.P. Morgan Asset Management. At its peak, the balance sheet contained $5.8tn in Treasuries and $2.7tn in MBS. *The forecast assumes the Federal Reserve begins balance sheet runoff in June at an intial pace of $30bn in Treasuries and $17.5bn in MBS, then doubling in September. The forecast does not include the active selling of securities from the committee. **Loans include liquidity and credit extended through corporate credit facilities established in March 2020. Other includes primary, secondary and seasonal loans, repurchase agreements, foreign currency reserves and maiden lane securities. Forecasts are not a reliable indicator of future performance. Forecasts, projections and other forward-looking statements are based upon current beliefs and expectations. They are for illustrative purposes only and serve as an indication of what may occur. Given the inherent uncertainties and risks associated with forecasts, projections or other forward-looking statements, actual events, results or performance may differ materially from those reflected or contemplated. Guide to the Markets – U.S. Data are as of June 6, 2022. 1As of May 31, 2022. 2For more details on the mechanics and flow of capital, please see Cash Crusade: Part 1 and Part 2. 3In the Federal Reserve Overnight Reverse Repo Repurchase Facility (RRP), the Fed takes excess cash out of the system by lending out securities it has on its balance sheet, which it then takes back the next day. https://www.newcapitalmgmt.com/news/how-inflation-is-affecting-millennials monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/quarterly-market-review-dimensional2022q2 monthly 0.5 2026-02-11 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/73de6d11-cb9d-48c5-846d-26cf3ca46fcd/cover.png The New Capital Journal - Quarterly Market Review - Make it stand out Click to view/download PDF of Q2 Market Review 2022. https://www.newcapitalmgmt.com/news/irs-increases-standard-mileage-rates-for-last-half-of-2022 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/quarterly-report-access-on-ncm360 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6c641c9f-4423-4779-9d5e-acc91d0a2d2b/CB---1x1.gif The New Capital Journal - Quarterly Report Access on NCM360 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/fidelity-trusted-contact-persons-casey monthly 0.5 2025-04-08 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c82f9adf-414f-4e31-b9c8-9fc66fb37b67/CM--1x1.gif The New Capital Journal - Fidelity Trusted Contact Persons https://www.newcapitalmgmt.com/news/how-do-i-store-estate-planning-documents monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - How Do I Store Estate Planning Documents? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/bitcoins-big-chill monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ad5d972f-964a-4811-bd57-8e9875b62c30/morningstar-crypto-1.png The New Capital Journal - Bitcoin’s Big Chill - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ea71834b-b5bb-49b3-8ce7-6afd8702fc21/morningstar-crypto-2.png The New Capital Journal - Bitcoin’s Big Chill - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/601538e4-7b6b-4674-b889-79dab8415e1d/morningstar-crypto-3.png The New Capital Journal - Bitcoin’s Big Chill - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c9a02e31-c19a-4696-bcb4-1987cd8e9e76/morningstar-crypto-4.png The New Capital Journal - Bitcoin’s Big Chill - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1762229a-fe0b-4697-b51c-d284272cbe69/morningstar-crypto-5.png The New Capital Journal - Bitcoin’s Big Chill - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/014f35bf-c91e-4ec9-b867-66306e01885e/morningstar-crypto-6.png The New Capital Journal - Bitcoin’s Big Chill - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/chasing-high-flying-stocks-risks-meme-reversion monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/138d9e05-83da-4682-a4f6-498a870ca041/DFA-meme-1.png The New Capital Journal - Chasing High-Flying Stocks Risks Meme Reversion - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9c3dbed7-32fc-4d50-804b-fcaca8aebd2b/DFA-meme-2.png The New Capital Journal - Chasing High-Flying Stocks Risks Meme Reversion - Make it stand out Past performance is not a guarantee of future results. Source: Bloomberg. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ba64f211-7f2a-4f70-8612-72a4e0fb75c4/DFA-meme-3.png The New Capital Journal - Chasing High-Flying Stocks Risks Meme Reversion - Make it stand out Past performance is not a guarantee of future results. Performance results are hypothetical and achieved with the benefit of hindsight. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/abf7866b-1a62-44a8-b4cf-d4a2ffe3630d/DFA-meme-4.png The New Capital Journal - Chasing High-Flying Stocks Risks Meme Reversion - Make it stand out Past performance is not a guarantee of future results. Source: Bloomberg https://www.newcapitalmgmt.com/news/2022-survey-results monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/65fd3f58-c71c-40ea-a52f-6ebf1aefcd87/NCM---Survey-charities.png The New Capital Journal - 2022 Client Satisfaction Survey Results - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/571ad269-2c2c-43b2-b8c7-1864c47a199d/NCM---survey-page.png The New Capital Journal - 2022 Client Satisfaction Survey Results - Make it stand out Click image to view/download PDF https://www.newcapitalmgmt.com/news/are-we-already-in-a-recession monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ee16dd80-03b0-4811-931e-8f1367b34def/JPM---chart.png The New Capital Journal - Are We Already in a Recession? - Make it stand out Sources: Atlanta Fed, BEA, J.P. Morgan Asset Management. Data are as of July 6, 2022. https://www.newcapitalmgmt.com/news/mitigating-inflations-impact-on-savings-rates monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e88852d8-ad49-405d-91b0-cd5a898d9192/Strata---chart.png The New Capital Journal - Mitigating Inflation's Impact on Savings Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1a17294f-359d-488c-be90-797990c0f8e8/strata-chart1.png The New Capital Journal - Mitigating Inflation's Impact on Savings Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/the-health-of-social-security-some-good-news-and-some-bad-news monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/weekly-market-commentary monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/15951c13-efdb-41bb-a171-fb10585af4c2/Screen+Shot+2022-06-30+at+2.49.31+PM.png The New Capital Journal - Weekly Market Commentary - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/charitable-giving-in-a-volatile-market monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/how-to-set-your-estate-plan-up-for-success monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/are-we-headed-for-a-recession monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a7d847e8-9648-4bac-ae5f-36681c7c23bf/6-23---1.png The New Capital Journal - Are We Headed for a Recession? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/guideline-what-you-need-to-know-about-a-401k monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c3f272e6-445e-4ef1-9c50-026914fc8c5e/Guideline-chart.png The New Capital Journal - What you need to know about a 401(k) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/7-steps-to-estimating-your-in-retirement-cash-flow-needs monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/interest-rates-on-federal-student-loans-to-increase-for-2022-2023 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/29132934-acab-4860-ae9a-bc0178d820c3/interest-rates.png The New Capital Journal - Interest Rates on Federal Student Loans to Increase for 2022-2023 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/market-short-6-17-22 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/tech-sector-turmoil-and-the-bear-market monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/light-at-the-end-of-the-inflation-tunnel monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9a1ff9dd-9322-48e7-8908-cb56906d1ec6/Screen+Shot+2022-06-16+at+1.36.05+PM.png The New Capital Journal - Light at the End of the Inflation Tunnel? - Make it stand out Past performance is no guarantee of future results. Short-term performance results should be considered in connection with longer-term performance results. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. https://www.newcapitalmgmt.com/news/what-should-i-know-about-quantitative-tightening monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5aa183f0-eb78-4ffe-95d8-bbc03cd13d7d/Screen+Shot+2022-06-16+at+1.33.21+PM.png The New Capital Journal - What Should I Know About Quantitative Tightening? - Make it stand out Source: FactSet, Federal Reserve, J.P. Morgan Investment Bank, J.P. Morgan Asset Management. At its peak, the balance sheet contained $5.8tn in Treasuries and $2.7tn in MBS. *The forecast assumes the Federal Reserve begins balance sheet runoff in June at an intial pace of $30bn in Treasuries and $17.5bn in MBS, then doubling in September. The forecast does not include the active selling of securities from the committee. **Loans include liquidity and credit extended through corporate credit facilities established in March 2020. Other includes primary, secondary and seasonal loans, repurchase agreements, foreign currency reserves and maiden lane securities. Forecasts are not a reliable indicator of future performance. Forecasts, projections and other forward-looking statements are based upon current beliefs and expectations. They are for illustrative purposes only and serve as an indication of what may occur. Given the inherent uncertainties and risks associated with forecasts, projections or other forward-looking statements, actual events, results or performance may differ materially from those reflected or contemplated. Guide to the Markets – U.S. Data are as of June 6, 2022. 1As of May 31, 2022. 2For more details on the mechanics and flow of capital, please see Cash Crusade: Part 1 and Part 2. 3In the Federal Reserve Overnight Reverse Repo Repurchase Facility (RRP), the Fed takes excess cash out of the system by lending out securities it has on its balance sheet, which it then takes back the next day. https://www.newcapitalmgmt.com/news/webinar-mmm-elements monthly 0.5 2023-12-11 https://www.newcapitalmgmt.com/news/are-you-interested-in-investing-your-ira-in-alternatives-nr8n2 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/afebe7f6-a7f5-4f6a-85dd-1959bdeee2e6/Pontera-1.png The New Capital Journal - Let New Capital Manage Your 401(k), 403(b), or other Employer Sponsored Retirement Accounts - Make it stand out Source: Pontera. Hypothetical performance calculations are shown for illustrative purposes only. https://www.newcapitalmgmt.com/news/history-shows-that-stock-gains-can-add-up-after-big-declines monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d659c0fd-d3d6-4345-80e3-31271c200ce3/Screen+Shot+2022-06-10+at+3.11.25+PM.png The New Capital Journal - History Shows That Stock Gains Can Add Up after Big Declines - Make it stand out Past performance is no guarantee of future results. Short-term performance results should be considered in connection with longer-term performance results. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. https://www.newcapitalmgmt.com/news/rising-interest-rates-and-what-you-can-do monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b4c79abc-e91d-4dbf-b8b3-398a7ab79b2b/chart-6-22.png The New Capital Journal - Rising Interest Rates and What You Can Do - Make it stand out Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Notes: U.S. bonds as represented by IA SBBI U.S. Intermediate-Term Government Bond Index from January 1, 1970, to December 31, 1972; Bloomberg U.S. Government/Credit Intermediate-Term Index from January 1, 1973, to December 31, 1975; Bloomberg U.S. Aggregate Bond Index from January 1, 1976, to June 30, 2009; and Bloomberg U.S. Aggregate Bond Index Float Adjusted thereafter. U.S. equity as represented by the FT Wilshire 5000 Index from April 1, 1972, to June 30, 1994; MSCI USA Investable Market Index from July 1, 1994, to June 30, 2001; and CRSP US Total Market Index thereafter. Sources: Vanguard analysis of Morningstar Direct data, as of March 31, 2022. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/01a12ce3-12e1-481a-a88c-caa228eb2e55/2chart-6-22.png The New Capital Journal - Rising Interest Rates and What You Can Do - Make it stand out Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Notes: Portfolios comprise the Spliced US Bond and Spliced US Equity return series, weighted according to their respective stock and bond allocations. Bond portion of portfolios is composed of Spliced US Bonds, as represented by Bloomberg U.S. Aggregate Bond Index from January 1, 1990, to June 30, 2009; and Bloomberg U.S. Aggregate Bond Index Float Adjusted thereafter. Stock portion of portfolios is composed of Spliced US Equity as represented by the FT Wilshire 5000 Index from January 1, 1990, to June 30, 1994; MSCI USA Investable Market Index from July 1, 1994, to June 30, 2001; and CRSP US Total Market Index thereafter. Sources: Vanguard analysis of Morningstar Direct data, as of March 31, 2022. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a3155144-b494-4be8-919f-9dbb6f9dba7c/3chart-6-22.png The New Capital Journal - Rising Interest Rates and What You Can Do - Make it stand out This hypothetical example does not represent the return on any particular investment. Notes: "No change" yields are as of December 31, 2021, based on the Bloomberg U.S. Aggregate Bond Index and "End of Q1 2022" hypotheticals are as of March 31, 2022. For simplicity, duration was assumed to remain at 6.8 years for year end 2021 and 6.58 years for end of Q1 2022; but in practice, as yields change, duration also changes. Such a dramatic change in yields as this example assumes would likely constitute a rather significant adjustment to a fund's weighted average duration. For purposes of illustration, we assumed no change to yields in subsequent years. Source: Vanguard. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9e58e874-ed46-4666-b3a5-1d6eb9abe8a0/4chart-6-22.png The New Capital Journal - Rising Interest Rates and What You Can Do - Make it stand out Notes: Monthly data are from January 31, 2008, to February 28, 2022. The federal funds effective rate is annualized. Forward rates are based on futures contracts with tenor up to 2 years. Source: Bloomberg. https://www.newcapitalmgmt.com/news/rising-rates-join-long-list-of-housing-dilemmas monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/worried-about-stocks-why-long-term-investing-is-crucial monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/5c5c03a6-d11f-4d4e-96af-58d9de989d55/booth.png The New Capital Journal - Worried About Stocks? Why Long-Term Investing Is Crucial - Make it stand out By David Booth Executive Chairman and Founder https://www.newcapitalmgmt.com/news/are-you-interested-in-investing-your-ira-in-alternatives monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/the-feds-plan-to-shrink-its-balance-sheet-quickly monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/df5417c9-8664-4007-83b5-f6dd0fdfcd8f/Screen+Shot+2022-05-27+at+2.56.57+PM.png The New Capital Journal - The Fed's Plan To Shrink Its Balance Sheet, Quickly - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-if-you-dont-have-a-will monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - What If You Don’t have a Will? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/webinar-money-mindfulness-meditation monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e1ce43f6-ee8c-459f-b986-37ff1d8fbd4c/banner---clear-background.png The New Capital Journal - Money Mindfulness Meditation Webinar - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/economist-lars-christensen-assesses-the-war-in-ukraine-and-the-potential-for-a-remarkable-recovery monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c146f0da-cbea-4634-a22b-db8262a0ff54/RIA-Intel-Christensen.png The New Capital Journal - Economist Lars Christensen Assesses the War in Ukraine and the Potential for a Remarkable Recovery - Make it stand out Lars Christensen RIA Intel https://www.newcapitalmgmt.com/news/singled-out-historical-performance-of-individual-stocks monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b48c1d4f-adb4-49ec-9ebb-c933d12963c1/Screen+Shot+2022-05-20+at+10.35.44+AM.png The New Capital Journal - Singled Out: Historical Performance of Individual Stocks - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/43f4a9f2-7e55-4f0c-9995-f4e86bc68f98/Screen+Shot+2022-05-20+at+10.36.17+AM.png The New Capital Journal - Singled Out: Historical Performance of Individual Stocks - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/266e9dc2-65f5-4e17-b0fb-3b19a311e228/Screen+Shot+2022-05-20+at+10.36.48+AM.png The New Capital Journal - Singled Out: Historical Performance of Individual Stocks - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/the-market-just-turned-an-important-corner monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/44769089-cc06-4673-9ccd-5ae38b92cbb4/Screen+Shot+2022-05-20+at+10.25.15+AM.png The New Capital Journal - The Market Just Turned An important Corner - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0c6fa9e2-c8c2-4840-9688-007600ce2a56/Screen+Shot+2022-05-20+at+10.25.50+AM.png The New Capital Journal - The Market Just Turned An important Corner - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/70bcbe3f-1ebc-4368-89a8-1f1638f59560/Screen+Shot+2022-05-20+at+10.26.23+AM.png The New Capital Journal - The Market Just Turned An important Corner - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/21d397b6-d7f5-41aa-848b-a5d186ca01bf/chart-5-20.png The New Capital Journal - The Market Just Turned An important Corner - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/dimensional-2022-matrix-book monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/994cd4e2-0be6-4c98-8bd1-e13bb26c84d8/matrix-book-2022.jpg The New Capital Journal - Dimensional 2022 Matrix Book https://www.newcapitalmgmt.com/news/normal monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - Normal - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/54ce380c-66ab-41ae-9af9-e9539eec9750/LG---normal.jpg The New Capital Journal - Normal - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/LG-sig2.gif The New Capital Journal - Normal - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/is-cryptocurrency-really-a-portfolio-diversifier monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ed5cbcbf-dd36-4ea0-a357-760ff036ec52/Exhibit-1.png The New Capital Journal - Is Cryptocurrency Really a Portfolio Diversifier? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/65a95739-f36a-4665-a4e5-d9e31924c55d/Exhibit-2.png The New Capital Journal - Is Cryptocurrency Really a Portfolio Diversifier? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-to-claim-and-use-life-insurance monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - How to Claim and Use Life Insurance Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/3-trends-shaping-philanthropy-in-2022 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/high-inflation-how-long-will-it-last monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fd2831b4-9fbf-4dbf-bbfc-920315dd23b2/chart-1.png The New Capital Journal - High Inflation: How Long Will It Last? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/surprisingly-benign-how-stocks-respond-to-hikes-in-fed-funds-rate monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1ddb0441-a765-4212-8033-2e75991590df/chart-1.png The New Capital Journal - Surprisingly Benign: How Stocks Respond to Hikes in Fed Funds Rate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/dc3265ab-23d8-4b83-bb05-3f56bfb23106/chart-2.png The New Capital Journal - Surprisingly Benign: How Stocks Respond to Hikes in Fed Funds Rate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-aggressive-will-the-federal-reserve-fed-tighten-monetary-policy monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fc8f68f3-76ae-4beb-92c0-7a85f4b638b2/chart-1.png The New Capital Journal - How Aggressive Will the Federal Reserve (Fed) Tighten Monetary Policy? - Make it stand out https://www.fidelity.com/learning-center/investment-products/etf/understanding-etfs-replay https://www.newcapitalmgmt.com/news/central-banks-have-a-short-runway-for-a-soft-landing monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/71b159a4-65bb-45ea-9b3e-5029a52b047d/chart-1.png The New Capital Journal - Central Banks Have A Short Runway For A Soft Landing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/64284406-71f6-404b-be45-42cf04e75599/chart-2.png The New Capital Journal - Central Banks Have A Short Runway For A Soft Landing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/ukraine-russia-markets-3lhjr monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/the-resilience-of-markets-through-dark-times monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/51b5dc55-3fc7-4016-bad9-eb3092904d7f/Screen+Shot+2022-04-22+at+3.15.01+PM.png The New Capital Journal - The Resilience of Markets Through Dark Times - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-you-shouldnt-put-in-your-will monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - What You Shouldn’t Put in your Will Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/required-distributions-changes-you-need-to-know monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/are-you-approaching-medicare-enrollment-age-or-already-enrolled-and-have-questions-or-need-some-guidance monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2a39aa75-9814-4ab7-93ce-407b619afe25/Screen+Shot+2022-04-22+at+3.21.32+PM.png The New Capital Journal - Are You Approaching Medicare Enrollment Age (Or Already Enrolled) and Have Questions or Need Some Guidance? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/449f785d-8c78-4690-bd07-fa2c86662eda/turning65.png The New Capital Journal - Are You Approaching Medicare Enrollment Age (Or Already Enrolled) and Have Questions or Need Some Guidance? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/666275fd-891d-44fb-8f59-2754f9885d2d/medicare2.png The New Capital Journal - Are You Approaching Medicare Enrollment Age (Or Already Enrolled) and Have Questions or Need Some Guidance? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/262b5d94-5e86-4998-8005-42770eedb050/medicare3.png The New Capital Journal - Are You Approaching Medicare Enrollment Age (Or Already Enrolled) and Have Questions or Need Some Guidance? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/the-secs-proposed-climate-risk-rule-helps-all-investors monthly 0.5 2026-02-04 https://www.newcapitalmgmt.com/news/federal-student-loan-repayment-postponed-for-sixth-time monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/dont-get-hooked-by-these-financial-scams monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/q1-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1117bfa4-0c40-40d5-8e6e-2084f72ae6a2/DFA+-+Q1+-+Chart.jpg The New Capital Journal - Q1 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/should-you-chase-dividend-stocks-to-combat-inflation-and-rate-hikes monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6464cbeb-d9bd-4893-ad5c-d85c8d9fe436/Screen+Shot+2022-04-15+at+2.22.39+PM.png The New Capital Journal - Should You Chase Dividend Stocks to Combat Inflation and Rate Hikes? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/bf1046be-08db-4f68-a74f-a8bf52b8e439/Screen+Shot+2022-04-15+at+2.24.13+PM.png The New Capital Journal - Should You Chase Dividend Stocks to Combat Inflation and Rate Hikes? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4f6a0ac4-1454-4c51-aae6-3caa7a253bd4/Screen+Shot+2022-04-15+at+2.25.04+PM.png The New Capital Journal - Should You Chase Dividend Stocks to Combat Inflation and Rate Hikes? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/bf8f0da9-0454-4bd6-8ed4-66fa7d090822/Screen+Shot+2022-04-15+at+2.25.35+PM.png The New Capital Journal - Should You Chase Dividend Stocks to Combat Inflation and Rate Hikes? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1dcff7a5-a5a4-4524-b853-c935f6ff024a/Screen+Shot+2022-04-15+at+2.26.03+PM.png The New Capital Journal - Should You Chase Dividend Stocks to Combat Inflation and Rate Hikes? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9b0b12cd-c16c-4a9c-8173-f84d66f2be6d/Screen+Shot+2022-04-15+at+2.26.31+PM.png The New Capital Journal - Should You Chase Dividend Stocks to Combat Inflation and Rate Hikes? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/video-the-social-security-statement-gets-a-makeover monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4b647944-9c6d-4d81-a631-63b250269bca/Screen+Shot+2022-04-15+at+10.11.28+AM.png The New Capital Journal - VIDEO: The Social Security Statement Gets a Makeover - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-are-the-opportunities-in-sustainable-transportation monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2b39131a-e65a-49a9-886e-ee4d7dd42b21/Screen+Shot+2022-04-08+at+3.38.41+PM.png The New Capital Journal - What Are The Opportunities In Sustainable Transportation? - Make it stand out https://www.fidelity.com/learning-center/investment-products/etf/understanding-etfs-replay https://www.newcapitalmgmt.com/news/the-state-of-retirement-planning-for-small-businesses monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7473dd3d-8cb3-4c95-b30c-43f382179c75/guideline_covid_infographic.jpeg The New Capital Journal - Are You Satisfied With Your 401(k) Plan? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/a-welcome-end-to-a-low-rate-era monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/15b9087f-e701-4ddb-8b0e-7c9ed1af08de/Screen+Shot+2022-04-08+at+3.48.18+PM.png The New Capital Journal - A Welcome End to a Low-Rate Era - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/just-how-hot-is-the-labor-market monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6289cbe5-d208-42c6-89de-273bddaec5f8/Screen+Shot+2022-04-08+at+3.43.56+PM.png The New Capital Journal - Just How Hot Is The Labor Market? - Make it stand out https://www.fidelity.com/learning-center/investment-products/etf/understanding-etfs-replay https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1a101563-8cb8-4cca-90eb-588392007f2b/Screen+Shot+2022-04-08+at+3.44.15+PM.png The New Capital Journal - Just How Hot Is The Labor Market? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/is-the-russia-ukraine-war-a-threat-to-the-global-economy monthly 0.5 2026-02-25 https://www.newcapitalmgmt.com/news/cybersecurity-a-growing-risk monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/how-to-give-to-charity-with-your-equity-awards-in-a-tax-smart-way monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/managing-bond-risks-when-interest-rates-rise monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/watch-out-for-these-common-tax-scams monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/five-things-i-know-about-investing monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/theres-still-time-to-contribute-to-an-ira-for-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/db5b486b-30c5-4dbb-8422-5d0c0b94ee4e/Screen+Shot+2022-03-16+at+4.12.46+PM.png The New Capital Journal - There's Still Time to Contribute to an IRA for 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c3b0adba-2f61-4900-b58d-d7e9377e7669/Screen+Shot+2022-03-16+at+4.13.26+PM.png The New Capital Journal - There's Still Time to Contribute to an IRA for 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/should-you-tap-your-retirement-account-to-buy-a-home monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/federal-income-tax-returns-due-for-most-individuals monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/all-eyes-on-the-fed-a-look-at-federal-funds-rate-bond-return-and-term-premium monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fabb71d1-e83b-4158-aa01-77b910ea844b/Screen+Shot+2022-03-18+at+9.13.19+AM.png The New Capital Journal - All Eyes on the Fed? A Look at Federal Funds Rate, Bond Return, and Term Premium - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/590d8b7e-87dd-492c-b39e-fcf4d185e8b5/Screen+Shot+2022-03-18+at+9.13.41+AM.png The New Capital Journal - All Eyes on the Fed? A Look at Federal Funds Rate, Bond Return, and Term Premium - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0d74715f-ff2f-4e36-a2eb-0f7942789d0e/Screen+Shot+2022-03-18+at+9.14.14+AM.png The New Capital Journal - All Eyes on the Fed? A Look at Federal Funds Rate, Bond Return, and Term Premium - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/54db614b-37c5-4e37-b7a8-bfe5515a272c/Screen+Shot+2022-03-18+at+9.14.32+AM.png The New Capital Journal - All Eyes on the Fed? A Look at Federal Funds Rate, Bond Return, and Term Premium - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/20-ira-mistakes-to-avoid monthly 0.5 2026-02-02 https://www.newcapitalmgmt.com/news/common-estate-planning-terms monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Common Estate Planning Terms Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/colliding-forces-russia-oil-inflation-and-market-volatility monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/87076807-92f0-4c51-bc2f-ffa03f94392d/Screen+Shot+2022-03-04+at+9.20.55+AM.png The New Capital Journal - Colliding Forces: Russia, Oil, Inflation, and Market Volatility - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/no-to-war monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - No to War https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/Leonard+Golub+Financial+Advisor The New Capital Journal - No to War https://www.newcapitalmgmt.com/news/should-i-worry-about-russia/ukraine-tensions-impacting-markets monthly 0.5 2026-02-25 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9f70a211-c4d9-4fe3-a058-1ff2a24fd62b/Screen+Shot+2022-03-04+at+9.56.02+AM.png The New Capital Journal - Should I Worry About Russia/Ukraine Tensions Impacting Markets? - Make it stand out https://www.fidelity.com/learning-center/investment-products/etf/understanding-etfs-replay https://www.newcapitalmgmt.com/news/global-finance-kicking-russia-out-of-swift monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/ukraine-and-the-changing-market-environment monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3e46696a-bbc7-4587-a67f-8b8785e7ed9c/Screen+Shot+2022-03-04+at+9.53.00+AM.png The New Capital Journal - Ukraine and the Changing Market Environment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/ukraine-russia-markets monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/what-does-the-ukraine-crisis-mean-for-markets monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/ways-to-give-ukrainian-russian-conflict monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/my-guitar-gently-weeps monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - My Guitar Gently Weeps https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4db4c6cf-e734-4f52-835e-7adfba2831e6/Les-Paul-Firebrand---Leonard-Golub---Stolen-1-30-2022.png The New Capital Journal - My Guitar Gently Weeps - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/Leonard+Golub+Financial+Advisor The New Capital Journal - My Guitar Gently Weeps https://www.newcapitalmgmt.com/news/fidelity-charitable-2022-giving-report monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b48fe360-04bc-469f-9d1c-31d0cc843f97/1.gif The New Capital Journal - Fidelity Charitable 2022 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/64145738-8e5e-4eef-842f-c262c58f31c2/Screen+Shot+2022-02-18+at+11.02.15+AM.png The New Capital Journal - Fidelity Charitable 2022 Giving Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ee80a71f-a6b6-4f9f-930f-c8862f518037/2.gif The New Capital Journal - Fidelity Charitable 2022 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/903c85fa-eab2-483a-af24-40ade3f80ed3/3.gif The New Capital Journal - Fidelity Charitable 2022 Giving Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e1514520-cf8a-445a-bd5f-f160862da820/4.gif The New Capital Journal - Fidelity Charitable 2022 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1645216840614-OFMARGK87UP766WR7AQN/5.gif The New Capital Journal - Fidelity Charitable 2022 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1645216840588-JI63Q4HM1880N75LGSS2/6.gif The New Capital Journal - Fidelity Charitable 2022 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1645216841113-V1IFSJFQU9XJU4OIJ2HI/7.gif The New Capital Journal - Fidelity Charitable 2022 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1645216841231-CWFHH591AWEZV5YMLFJ1/8.gif The New Capital Journal - Fidelity Charitable 2022 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/906cbee3-52b3-4134-9881-580cbbd07a26/9.gif The New Capital Journal - Fidelity Charitable 2022 Giving Report - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/common-mistakes-with-living-trusts monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Common Mistakes with Living Trusts Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/warning-inflation-may-cause-investors-to-freeze monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9f520e78-ceff-4cac-8987-d49c68baf22c/Screen+Shot+2022-02-18+at+11.21.46+AM.png The New Capital Journal - Warning: Inflation May Cause Investors To Freeze - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e384db71-1de3-44a6-97f2-b9b21a03a084/Screen+Shot+2022-02-18+at+11.22.20+AM.png The New Capital Journal - Warning: Inflation May Cause Investors To Freeze - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/d5c2e4d2-d8e0-4d1a-a889-07fbe23d7dd7/Screen+Shot+2022-02-18+at+11.22.56+AM.png The New Capital Journal - Warning: Inflation May Cause Investors To Freeze - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/4-strategies-for-an-organized-tax-season monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/you-want-the-size-value-and-profitability-premiums-but-how monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/help-wanted-why-cant-businesses-find-enough-workers monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/update-on-estate-and-gift-taxes-for-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Update on Estate and Gift Taxes for 2022 Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/we-moved monthly 0.5 2026-02-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8d4bbb34-6cb0-499d-8968-8f84fc522b34/building+1.jpg The New Capital Journal - We Have Moved! 3355 West Alabama Street https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2b45eb61-4824-4172-885a-fb6331f95da5/building+2.jpg The New Capital Journal - We Have Moved! - Make it stand out Circle drive at 3355 West Alabama Street https://www.newcapitalmgmt.com/news/are-we-out-of-the-woods-yet monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b504696b-d282-42d0-aae2-6b206b34e260/Screen+Shot+2022-02-04+at+6.00.34+PM.png The New Capital Journal - Are We Out of the Woods Yet? - Make it stand out https://www.fidelity.com/learning-center/investment-products/etf/understanding-etfs-replay https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/6fbb1155-3ed4-46a0-a182-d91efc8819e9/Screen+Shot+2022-02-04+at+6.01.21+PM.png The New Capital Journal - Are We Out of the Woods Yet? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/us-equity-markets-are-in-or-near-correction-now-what monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/516f8442-c904-48f2-8e29-88356bd69cf6/JPM1.png The New Capital Journal - U.S. Equity Markets are in or Near Correction: Now What? - Make it stand out Source: Compustat, FactSet, Standard & Poor’s, J.P. Morgan Asset Management. Dispersion is calculated using the index's constituents as of 6/30/2021 and based on quarterly next twelve month price-to-earnings ratios. Guide to the Markets – U.S. Data are as of January 24, 2022. https://www.newcapitalmgmt.com/news/federal-tax-filing-season-has-started monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/casey-moss monthly 0.5 2026-02-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b87a65ad-02ee-41e4-88b8-e40ec206e5e1/BDFA2208-0A85-4DFE-8EBB-11365147F913.png The New Capital Journal - Welcome Casey Moss https://www.newcapitalmgmt.com/news/volatile-markets-underscore-importance-of-discipline monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/dbf3c0ef-628b-4077-922c-d7eefd0fdc9d/Screen+Shot+2022-01-28+at+10.59.12+AM.png The New Capital Journal - Volatile Markets Underscore Importance of Discipline - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/will-infrastructure-investment-pave-the-way-to-a-stronger-economy monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f6bc0d0c-f68d-4319-95a0-cdde8dda5ac8/chart-1-6-22.png The New Capital Journal - Will Infrastructure Investment Pave the Way to a Stronger Economy? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-is-an-estate-asset monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - What is an Estate Asset? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/ncm360-access-xptp6-x2d45 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572619591700-CYL1P3UFEPQESL0PA04S/CB+-+1x1+-+NEW.jpg The New Capital Journal - Annual Reports Are Now Available - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/market-review-2021-a-recovery-amid-challenges monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9a925654-5e41-44fb-8665-fe19959d7aab/DFA---1-21---1.png The New Capital Journal - Market Review 2021: A Recovery Amid Challenges - Make it stand out Past performance is no guarantee of future results. In USD. MSCI All Country World Index, net dividends. MSCI data © MSCI 2022, all rights reserved. Indices are not available for direct investment. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. Headlines are sourced from various publicly available news outlets and are provided for context, not to explain the market's behavior.2Dimensional Fund AdvisorsPlease see the end of this document for important disclosures. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2255bbbf-2a53-43c6-9116-53a7b962cbd6/DFA---1-21---2.png The New Capital Journal - Market Review 2021: A Recovery Amid Challenges - Make it stand out Past performance is no guarantee of future results. In USD. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. Copyright 2022 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8742c577-7ea1-4e22-8f12-8696a4b1e310/DFA---1-21---3.png The New Capital Journal - Market Review 2021: A Recovery Amid Challenges - Make it stand out Past performance is no guarantee of future results. In USD. Stock price data from Bloomberg L.P. https://www.newcapitalmgmt.com/news/celebrating-martin-luther-king-day monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/markets-hit-the-rate-reset-button monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c09cfb07-f63f-4813-80f3-0609ed1210ef/Screen+Shot+2022-01-14+at+6.49.48+PM.png The New Capital Journal - Markets Hit the Rate Reset Button - Make it stand out https://www.fidelity.com/learning-center/investment-products/etf/understanding-etfs-replay https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1c5aa647-4bea-4fb6-9387-68b9e095776d/Screen+Shot+2022-01-14+at+6.50.45+PM.png The New Capital Journal - Markets Hit the Rate Reset Button - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4b79691a-0327-43e2-99f0-42fcf32f315d/Screen+Shot+2022-01-14+at+6.51.16+PM.png The New Capital Journal - Markets Hit the Rate Reset Button - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/inflation-whats-next monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/cef0a1d6-a189-4312-a98a-6fef87778f1a/FF+-+Inflation+video.png The New Capital Journal - Inflation: What's Next? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/will-2022-be-the-year-of-tax-change monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/ncm360-access-xptp6 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572619591700-CYL1P3UFEPQESL0PA04S/CB+-+1x1+-+NEW.jpg The New Capital Journal - Year End Report Access on NCM360 - Schedule your Session - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/dimensionals-takes-on-the-biggest-topics-of-2021 monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/how-climate-change-is-changing-homeownership monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/can-you-refuse-an-inheritance monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Can You Refuse an Inheritance? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/the-fed-pivots-to-fight-inflation monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f6bc0d0c-f68d-4319-95a0-cdde8dda5ac8/chart-1-6-22.png The New Capital Journal - The Fed Pivots to Fight Inflation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/year-end-planning monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572888951184-W00CO72PX5X870FO7QX2/JC+-+1x1.jpg The New Capital Journal - Year End Planning https://www.newcapitalmgmt.com/news/year-end-market-review-planning-webinar-recording monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/commodities-inflation-hedge-or-fools-gold monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c63872e5-e025-420d-b8c8-a6b4e8bf23e4/Screen+Shot+2021-12-17+at+7.06.05+PM.png The New Capital Journal - Commodities: Inflation Hedge or Fool's Gold? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7dcb07e5-bcbd-4a2b-9066-c39f5f4512c2/Screen+Shot+2021-12-17+at+7.06.43+PM.png The New Capital Journal - Commodities: Inflation Hedge or Fool's Gold? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/b7507a1c-2cd3-49e6-86f5-c92bf6599873/Screen+Shot+2021-12-17+at+7.07.26+PM.png The New Capital Journal - Commodities: Inflation Hedge or Fool's Gold? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/what-will-you-pay-for-medicare-in-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4923579f-a674-4fb9-9ca9-f8b4b6f4fe73/Screen+Shot+2021-12-21+at+5.51.29+PM.png The New Capital Journal - What Will You Pay for Medicare in 2022? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/why-the-fed-changed-its-tune-on-rates monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9835ed27-2cfc-4d4d-b188-8c2e2d0441aa/Screen+Shot+2021-12-17+at+6.55.03+PM.png The New Capital Journal - Why the Fed Changed Its Tune On Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ec19f9d0-9ad0-4bfb-b82c-86dce10380c3/Screen+Shot+2021-12-17+at+6.56.33+PM.png The New Capital Journal - Why the Fed Changed Its Tune On Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/80f5025b-4c41-45ef-87e4-f3d4dc722a19/Screen+Shot+2021-12-17+at+6.57.21+PM.png The New Capital Journal - Why the Fed Changed Its Tune On Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4c0992f4-53f6-4876-a3ff-367abddca7bb/Screen+Shot+2021-12-17+at+6.57.59+PM.png The New Capital Journal - Why the Fed Changed Its Tune On Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/49a19a0c-139a-4935-838d-af1846aa2a22/Screen+Shot+2021-12-17+at+6.58.41+PM.png The New Capital Journal - Why the Fed Changed Its Tune On Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/20b23508-669c-46b7-a3e3-2ffd19b428fc/Screen+Shot+2021-12-17+at+6.59.13+PM.png The New Capital Journal - Why the Fed Changed Its Tune On Rates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/ncm360-access monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572619591700-CYL1P3UFEPQESL0PA04S/CB+-+1x1+-+NEW.jpg The New Capital Journal - NCM360 Access - Schedule Your Session - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/retirement-plan-limits-on-the-rise-in-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c83d1b42-2383-45c7-a0fe-1e8b15e7a5ba/Screen+Shot+2021-12-14+at+3.53.09+PM.png The New Capital Journal - Retirement Plan Limits on the Rise in 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0fae7583-e7de-42e1-94ff-f2e657b2c986/Screen+Shot+2021-12-14+at+3.53.46+PM.png The New Capital Journal - Retirement Plan Limits on the Rise in 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/bf55b50a-5109-4ee7-abf5-9a11157bcdf7/Screen+Shot+2021-12-14+at+3.55.13+PM.png The New Capital Journal - Retirement Plan Limits on the Rise in 2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/build-back-better-tax-changes-look-to-be-muted monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/bigger-gifts-to-charities-bigger-tax-deductions-in-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/aa70a48d-80b1-498a-9724-2d535512eeab/Screen+Shot+2021-12-09+at+2.02.49+PM.png The New Capital Journal - Bigger Gifts to Charities, Bigger Tax Deductions in 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/are-all-global-central-banks-on-the-move monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a1b9b20a-ff24-413c-8994-09016793f129/Screen+Shot+2021-12-05+at+9.52.47+AM.png The New Capital Journal - Are All Global Central Banks on the Move? - Make it stand out Source: Bureau of Labor Statistics, J.P. Morgan Asset Management. Data are as of October 14, 2021. https://www.newcapitalmgmt.com/news/market-perspectives-december-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/437cd501-16f6-421d-bd07-df268b603454/Screen+Shot+2021-12-09+at+1.57.01+PM.png The New Capital Journal - Market Perspectives: December 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e7883321-c456-4098-b7c9-4e523c1cc3b0/Screen+Shot+2021-12-09+at+1.57.44+PM.png The New Capital Journal - Market Perspectives: December 2021 Notes: Lift-off date is the projected date of increase in the short-term policy interest rate target for each central bank from its current low. Rates for 2025 and 2030 are Vanguard projections for each central bank’s policy rate. Source: Vanguard forecasts as of May 13, 2021. https://www.newcapitalmgmt.com/news/new-college-cost-data-for-2021-2022-academic-year monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/missing-the-markets-best-days monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3a0c8a12-7a24-44f8-980d-ed51d266b97f/Screen+Shot+2021-12-05+at+9.49.15+AM.png The New Capital Journal - Missing the Market’s Best Days - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/social-security-announces-biggest-cola-in-decades monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1a175a5e-a62d-4a4d-88c4-2c39bf57479c/Screen+Shot+2021-12-03+at+9.02.38+AM.png The New Capital Journal - Social Security Announces Biggest COLA in Decades - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/supply-chain-chaos-holiday-edition monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/why-are-rates-moving-just-not-higher monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1ce2e646-c8cc-4d15-abde-a006c78fe733/Screen+Shot+2021-12-05+at+9.45.03+AM.png The New Capital Journal - Why Are Rates Moving, Just Not Higher? - Make it stand out Source: Bureau of Labor Statistics, J.P. Morgan Asset Management. Data are as of October 14, 2021. https://www.newcapitalmgmt.com/news/top-investment-myths-busted-webinar-recording monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/5-tips-to-maximize-your-impact-for-giving-tuesday monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/32b8c49e-075d-4093-9da2-eb7a49b1dd04/Screen+Shot+2021-11-23+at+3.31.28+PM.png The New Capital Journal - 5 Tips to Maximize Your Impact for GivingTuesday - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e7e96581-9b50-468b-ad35-006fc454c2dc/Screen+Shot+2021-11-23+at+3.33.23+PM.png The New Capital Journal - 5 Tips to Maximize Your Impact for GivingTuesday - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/mutual-fund-distribution-calculations monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572888951184-W00CO72PX5X870FO7QX2/JC+-+1x1.jpg The New Capital Journal - Mutual Fund Distribution Calculations https://www.newcapitalmgmt.com/news/year-end-tax-planning-during-uncertain-times monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/88b01281-fa53-4661-888c-cb43121b3893/18113.png The New Capital Journal - Year-End Tax Planning During Uncertain Times - Make it stand out In general, these clients should not be materially affected by new tax laws, unless the SALT limitation is eased or eliminated. This chart is for clients with income over $400,000--generally your higher-income clients. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/470903e9-489e-4bd3-84c1-fd259680b861/18114.png The New Capital Journal - Year-End Tax Planning During Uncertain Times - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/year-end-charitable-giving21 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/back-to-basics-understanding-etfs monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3b89f32f-4d47-43a4-af55-067fa6b6e9d3/Fidelity-ETF-video.png The New Capital Journal - Back to basics: Understanding ETFs - Make it stand out https://www.fidelity.com/learning-center/investment-products/etf/understanding-etfs-replay https://www.newcapitalmgmt.com/news/the-great-disappointment-of-active-share monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/714d785c-89cd-49f9-a461-92c5aa456f31/18121.png The New Capital Journal - The Great Disappointment of Active Share - Make it stand out In general, these clients should not be materially affected by new tax laws, unless the SALT limitation is eased or eliminated. This chart is for clients with income over $400,000--generally your higher-income clients. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/729fe3cc-559c-4bb8-8f83-cf51d99542c2/18124.png The New Capital Journal - The Great Disappointment of Active Share - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/tax-savvy-choices-for-equity-investors monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9b087421-21e0-4a12-a2ab-1ae7b488fe8c/Screen+Shot+2021-11-11+at+3.15.17+PM.png The New Capital Journal - Tax-Savvy Choices for Equity Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2d045eac-b4f0-49bd-bfad-514881cb20a8/Screen+Shot+2021-11-11+at+3.16.05+PM.png The New Capital Journal - Tax-Savvy Choices for Equity Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/cryptocurrency-and-philanthropy monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/61befb59-4aec-4396-9395-8840ddcfa6bd/crypto-1.png The New Capital Journal - Cryptocurrency and Philanthropy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7b2bf2d6-5452-46be-ba90-05228ee98aee/crypto-2.png The New Capital Journal - Cryptocurrency and Philanthropy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/725edab8-2979-44d8-a2b9-b668737c88d2/crypto-3.png The New Capital Journal - Cryptocurrency and Philanthropy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c9158f14-f600-48f3-a596-b3f12d95d377/crypto-4.png The New Capital Journal - Cryptocurrency and Philanthropy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/revenge-of-the-suburbs-or-return-to-the-city monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/474aff02-40da-4be6-b5a7-87a03bdd04fb/Screen+Shot+2021-11-12+at+12.25.01+PM.png The New Capital Journal - Revenge of the Suburbs or Return to the City? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e74c24e7-27cf-433d-b1f1-b318d9a9c121/Screen+Shot+2021-11-12+at+12.25.29+PM.png The New Capital Journal - Revenge of the Suburbs or Return to the City? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/2021-conference-afternoon-presentations monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/year-end-guidelines-for-making-a-contribution-to-fidelity-charitable monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/266f55a7-933c-454d-82d4-970fac4b46ba/Year+End+donation+table.jpg The New Capital Journal - Year-End Guidelines For Making A Contribution to Fidelity Charitable - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/market-perspectives-october-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1c797dbd-d15e-4658-84d6-275cf4e7e670/Screen+Shot+2021-11-03+at+12.47.16+PM.png The New Capital Journal - Market Perspectives October 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/950908d8-3128-4059-b9b2-42e678b8705c/Screen+Shot+2021-11-03+at+12.48.29+PM.png The New Capital Journal - Market Perspectives October 2021 Notes: Lift-off date is the projected date of increase in the short-term policy interest rate target for each central bank from its current low. Rates for 2025 and 2030 are Vanguard projections for each central bank’s policy rate. Source: Vanguard forecasts as of May 13, 2021. https://www.newcapitalmgmt.com/news/inflation-beyond-the-current-spike monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/83048227-0c34-49af-9177-96a0126469a3/Screen+Shot+2021-11-03+at+12.54.51+PM.png The New Capital Journal - Inflation Beyond the Current Spike - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/0b44234e-ec8c-4759-a86b-bad2e548bf1e/Screen+Shot+2021-11-03+at+12.55.34+PM.png The New Capital Journal - Inflation Beyond the Current Spike Notes: Lift-off date is the projected date of increase in the short-term policy interest rate target for each central bank from its current low. Rates for 2025 and 2030 are Vanguard projections for each central bank’s policy rate. Source: Vanguard forecasts as of May 13, 2021. https://www.newcapitalmgmt.com/news/the-budget-and-the-debt-ceiling-round-2 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ff8d83c7-ff4d-4738-b944-0b7ff706a38c/Screen+Shot+2021-11-02+at+6.13.50+PM.png The New Capital Journal - The Budget and the Debt Ceiling: Round 2 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/employer-open-enrollment-make-benefit-choices-that-work-for-you monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/invite-new-capital-2021-annual-conference monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/is-inflation-still-transitory monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1634916227140-QF32LPG1JN3P7TI0IUQM/JPM---chart.png The New Capital Journal - Is Inflation Still Transitory? - Make it stand out Source: Bureau of Labor Statistics, J.P. Morgan Asset Management. Data are as of October 14, 2021. https://www.newcapitalmgmt.com/news/all-time-high-anxiety monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1634916377769-HSAU47H1DQWC4X9JJJY4/Screen+Shot+2021-10-22+at+9.53.01+AM.png The New Capital Journal - All-Time-High Anxiety - Make it stand out For illustrative purposes only. Index is not available for direct investment. Performance does not reflect the expenses associated with the management of an actual portfolio. S&P data © 2021 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. https://www.newcapitalmgmt.com/news/retirement-investors-this-back-door-may-be-closing-for-good monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1634763725704-1EGMQ84PRW3KLTKYSSTP/Screen+Shot+2021-10-20+at+4.01.52+PM.png The New Capital Journal - Retirement Investors: This Back Door May Be Closing for Good - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/could-you-be-a-target-for-cybercrime monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1634301162682-5OPP67IAZARLMY3CMPKT/Screen+Shot+2021-10-15+at+7.31.32+AM.png The New Capital Journal - Could You Be A Target For Cybercrime? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1634301212108-KKMLTHKCBDQX1QRWHVL6/Screen+Shot+2021-10-15+at+7.33.21+AM.png The New Capital Journal - Could You Be A Target For Cybercrime? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-second-home-mortgages-work monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/medicare-open-enrollment-for-2022-begins-october-15 monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/why-market-forecasts-matter-to-long-term-investors monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1633036280005-DNSGYV68YVQJHN0MNSOI/Screen+Shot+2021-09-30+at+4.11.05+PM.png The New Capital Journal - Why Market Forecasts Matter To Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/the-tesla-bubble-or-not-debate monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/social-securitys-uncertain-future-what-you-should-know monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1633621975205-KM28AQ6QYBEEXZ2G5R74/Screen+Shot+2021-10-07+at+10.52.42+AM.png The New Capital Journal - Social Security's Uncertain Future: What You Should Know - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/why-we-stay-pro-risk monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1633036587008-637R4AVKI3ANJW6J5XCC/Screen+Shot+2021-09-30+at+4.16.18+PM.png The New Capital Journal - Why We Stay Pro-risk Forward looking estimates may not come to pass. Sources: BlackRock Investment Institute, Federal Reserve, with data from Refinitiv Datastream , September 2021. Notes: The red dot show the median federal funds rate expectation published by the Federal Open Market Committee, a committee within the Fed that sets the federal funds rate. The lines show past rate hiking cycles since 1994 and our estimates for the path of U.S. interest rates. The paths are shown relative to the point at which the first hike took place, which is indicated by quarter 0. The Fed median dot plot comes from the September 2021 Summary of Economic Projections (SEP). Since the SEP projections show only the end of year forecast for the federal funds rate we reflect the uncertainty by showing end of year dots rather than a continuous line. We believe the Fed will start its next hiking cycle in the first half of 2023. https://www.newcapitalmgmt.com/news/the-budget-and-the-debt-ceiling-federal-spending-in-the-crosshairs monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/fidelity-charitable-webinar-opportunities-to-transform-education-in-a-post-covid-world monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1633104777228-IWI2ULU4PYJCR9JE3IWJ/banner.png The New Capital Journal - Webinar: Opportunities to Transform Education in a Post-COVID World - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1633103953629-YIN0OWBXH5DPSSXQ92SK/speakers.png The New Capital Journal - Webinar: Opportunities to Transform Education in a Post-COVID World - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/advancing-tax-proposals-put-corporations-and-high-income-individuals-in-spotlight monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/key-questions-for-long-term-investors monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1632344490589-7CUYQR3EXY7SC4CN18Z7/Screen+Shot+2021-09-22+at+3.53.25+PM.png The New Capital Journal - Key Questions for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1632344079720-6EACZEJA2NJPOQA1DYSE/Screen+Shot+2021-09-22+at+3.54.22+PM.png The New Capital Journal - Key Questions for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1632344125358-LOUM0DMTW56DUBTV529P/Screen+Shot+2021-09-22+at+3.55.09+PM.png The New Capital Journal - Key Questions for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1632344168713-C6YVO63GPJSE780OP0WH/Screen+Shot+2021-09-22+at+3.55.52+PM.png The New Capital Journal - Key Questions for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1632344203649-9T6XU7DUXYT3KMYD85TX/Screen+Shot+2021-09-22+at+3.56.27+PM.png The New Capital Journal - Key Questions for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1632344241585-JB7XT09F8TXJTI428ZLY/Screen+Shot+2021-09-22+at+3.57.05+PM.png The New Capital Journal - Key Questions for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1632344281109-YJFZ0FKXO0UWZBOR6JFU/Screen+Shot+2021-09-22+at+3.57.44+PM.png The New Capital Journal - Key Questions for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1632344324843-2CGB9TT4AHCOBTGK8EK7/Screen+Shot+2021-09-22+at+3.58.28+PM.png The New Capital Journal - Key Questions for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1632344390711-EF1CBDFXFI7YXV2RC56Z/Screen+Shot+2021-09-22+at+3.59.35+PM.png The New Capital Journal - Key Questions for Long-Term Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/benefits-of-529-plans monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Benefits of 529 Plans Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/greece monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979779535-DI6RCZNJO7G8DLU55D9X/IMG_4883.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979778291-650ZKJGEY4I71815SD54/IMG_4957.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979782731-DQHBXRF90IZXWLG0ZTAG/IMG_4945.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979785134-1Z1CKUHW5407KL5T4WDK/IMG_4897.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979786686-E5H40NAG29K3DMC78P6F/IMG_4831.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979791155-E2SLK2HNLT1TOYYKWRBO/IMG_4806.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979791264-XV26ALPJKOWG2ZL7RVHZ/IMG_4676.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979796334-I58SF86O2450I43YYXEJ/IMG_4668.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979796944-4IPY2Q4ZNCFQ6BX4AH1L/IMG_4498.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979799965-YUVXP6P8BWFFZBAHY6G9/IMG_4470.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979800507-EIZNFJS0T5GKH3PGXFUD/IMG_4457.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979805490-UIPTDCQVYM6NLAFUBTCT/IMG_4404.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979807584-Y3I2YPAHY9NHKJWWEMYF/IMG_4309.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631979809078-7HVHTY6WZ4YA23EYHGUV/IMG_4285.jpg The New Capital Journal - Greece 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/Leonard+Golub+Financial+Advisor The New Capital Journal - Greece 2021 https://www.newcapitalmgmt.com/news/cash-crusade-where-does-money-created-via-quantitative-easing-actually-go monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631888922315-CGQ46X10O2WHX527UL21/Screen+Shot+2021-09-17+at+9.28.31+AM.png The New Capital Journal - Cash Crusade: Where Does Money Created Via Quantitative Easing Actually Go? - Make it stand out 1. Balance sheet growth from March 11, 2020 to August 26, 2021. 2. Assumes continued pace of $120bn in asset purchases through November 2021. Thereafter, purchases will be reduced by $15bn per month, beginning in December 2021 and concluding by July 2022. 3. As of August 31, 2021, the Interest paid on excess reserves is 0.15%. https://www.newcapitalmgmt.com/news/the-rise-of-fintech-2-trends-shaping-the-world monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1630560477830-WEVD3PECQQN3QIGOXM78/fintech-chart-2.png The New Capital Journal - The Rise of Fintech: 2 Trends Shaping the World - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-capital-gains-tax-on-real-estate-works monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/too-hot-to-handle-whats-ahead-for-the-us-housing-market monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631132945775-8Y1HI8S7IYEY6MAB0BIE/Screen+Shot+2021-09-08+at+3.28.45+PM.png The New Capital Journal - Too Hot to Handle: What's Ahead for the U.S. Housing Market? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/the-rise-of-green-muni-bonds monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1630558827275-6IB7XIYR0WDPIKVCLDBM/Screen+Shot+2021-09-01+at+11.59.54+PM.png The New Capital Journal - The Rise of Green Muni Bonds - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1630559035350-HOMSJSZ90SSEPBHMU9VK/Screen+Shot+2021-09-02+at+12.03.28+AM.png The New Capital Journal - The Rise of Green Muni Bonds - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1630559101845-P9URDXIL4ZXBDXGV8MID/Screen+Shot+2021-09-02+at+12.04.35+AM.png The New Capital Journal - The Rise of Green Muni Bonds - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1630559153783-EB3J6FFZ9IQYS6G5YSFO/Screen+Shot+2021-09-02+at+12.05.40+AM.png The New Capital Journal - The Rise of Green Muni Bonds - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/dont-neglect-the-softer-side-of-your-estate-plan monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/do-you-qualify-for-a-mortgage-interest-deduction monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/infrastructure-legislation-advances-but-still-has-a-ways-to-go monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/ways-to-give-afghanistan monthly 0.5 2026-02-04 https://www.newcapitalmgmt.com/news/8-financial-dos-and-donts-for-the-7-figure-retirement monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1630032604038-281X7R5VWEV5HPOI8VW8/Screen+Shot+2021-08-26+at+9.49.47+PM.png The New Capital Journal - 8 Financial Do's and Don'ts for the 7-Figure Retirement - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1630032649100-AZZQS5FGL6ZCZE3IDP05/Screen+Shot+2021-08-26+at+9.50.38+PM.png The New Capital Journal - 8 Financial Do's and Don'ts for the 7-Figure Retirement - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1630032689410-4A27PA5VDGHM4TVREUOR/Screen+Shot+2021-08-26+at+9.51.19+PM.png The New Capital Journal - 8 Financial Do's and Don'ts for the 7-Figure Retirement - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/which-powers-should-a-power-of-attorney-include monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Which Powers Should A Power of Attorney Include? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/us-census-2020-results-takeaways monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1630092598471-0N56OVCXLW4EC8L8O2TI/US-Census---video.png The New Capital Journal - VIDEO: U.S. Census 2020 Results: Takeaways - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/market-perspectives-august-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1629384940800-Y1DT0H6WL8C4BJTSHGQZ/Screen+Shot+2021-08-19+at+9.55.13+AM.png The New Capital Journal - Market Perspectives August 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1629384998640-0MY3ZSVZ1CYCYG89TEYD/Screen+Shot+2021-08-19+at+9.56.15+AM.png The New Capital Journal - Market Perspectives August 2021 Notes: Lift-off date is the projected date of increase in the short-term policy interest rate target for each central bank from its current low. Rates for 2025 and 2030 are Vanguard projections for each central bank’s policy rate. Source: Vanguard forecasts as of May 13, 2021. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1629385051865-03REGZXBT8BT40LVBJAI/Screen+Shot+2021-08-19+at+9.57.17+AM.png The New Capital Journal - Market Perspectives August 2021 Sources: Historical government bond yield data sourced from Bloomberg. Vanguard forecasts, as of May 13, 2021, generated from Vanguard’s proprietary vector error correction model. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1629385105179-O2DI5K4WVVP2DXXMQVNE/Screen+Shot+2021-08-19+at+9.58.10+AM.png The New Capital Journal - Market Perspectives August 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/how-to-help-2021-haiti-earthquake monthly 0.5 2026-02-24 https://www.newcapitalmgmt.com/news/what-is-the-cost-of-extreme-weather monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1629384578710-ZJ9LV0ZWNWBS5V9M474W/Screen+Shot+2021-08-19+at+9.49.26+AM.png The New Capital Journal - What is the Cost of Extreme Weather? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/student-loan-payment-pause-extended-through-january-2022 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/everything-screams-inflation-how-to-interpret-the-headlines monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1628865231547-SODAQXF1A03DJGD4MGFU/Screen+Shot+2021-08-13+at+9.33.37+AM.png The New Capital Journal - 'Everything Screams Inflation.’ How to Interpret the Headlines - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1628865289804-VVYYVNXBBQIVYGO1YOKX/Screen+Shot+2021-08-13+at+9.34.36+AM.png The New Capital Journal - 'Everything Screams Inflation.’ How to Interpret the Headlines - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/why-we-fight-about-money monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/health-mistakes-to-avoid-after-50 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Health Mistakes to Avoid After 50 Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/an-action-plan-for-long-term-care monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/how-potential-tax-reform-in-2021-could-affect-your-charitable-giving monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/antitrust-crackdown-aims-to-increase-competition monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/student-of-the-market-july-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627654678152-AVAEI4V5YG4K2VFBWWTZ/1.png The New Capital Journal - Student of the Market - July 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627654897895-IEZHC8ELIGBW3MQ0KWPV/2.png The New Capital Journal - Student of the Market - July 2021 Source: Morningstar as of 6/30/21. Stocks represented by S&P 500 and U.S. Bonds by the BbgBarc US Aggregate Bond Index. Past performance does not guarantee or indicate future results. Index performance is for illustrative purposes only. You cannot invest directly in the index. Average returns following those 4 periods was 4.1% for bonds and 6.4% for stocks. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627655069185-37O15X3R8JCIGWWXEAPD/3.png The New Capital Journal - Student of the Market - July 2021 Source: Morningstar as of 6/30/21. U.S. stocks are represented by the S&P 500 PR Index from 3/4/57 to 6/30/21 and the IA SBBI U.S. Lrg Stock PR USD Index from 1/1/50 to 3/4/57, unmanaged indexes that are generally considered representative of the U.S. stock market during each given time period. Past performance does not guarantee or indicate future results. Index performance is for illustrative purposes only. You cannot invest directly in the index. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627655881376-ZSNQXZ743LTOOZCI1UB9/4.png The New Capital Journal - Student of the Market - July 2021 Source: Morningstar as of 6/30/21. U.S. stocks are represented by the S&P 500 PR Index from 3/4/57 to 6/30/21 and the IA SBBI U.S. Lrg Stock PR USD Index from 1/1/50 to 3/4/57, unmanaged indexes that are generally considered representative of the U.S. stock market during each given time period. Past performance does not guarantee or indicate future results. Index performance is for illustrative purposes only. You cannot invest directly in the index. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627655934800-8IMTUR171Y99T12JD0DE/5.png The New Capital Journal - Student of the Market - July 2021 Source: Morningstar as of 6/30/21. Taxable bonds are represented by the Taxable bond fund category as defined by Morningstar. Past performance does not guarantee or indicate future results. Index performance is for illustrative purposes only. You cannot invest directly in the index https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627656167858-5BWNKZCQF5RU1OKWQNMP/6.png The New Capital Journal - Student of the Market - July 2021 Source: St. Louis Federal Reserve as of 6/30/21. Past performance does not guarantee or indicate future results. Index performance is for illustrative purposes only. You cannot invest directly in the index. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627656409063-AMUBBJ1AVQWBL4SYOTXC/7.png The New Capital Journal - Student of the Market - July 2021 Source: Bureau of Labor Statistics and Standard and Poors, as of 5/31/21. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627657153852-YB9KTBWJ6ZS7VG317AJ0/8.png The New Capital Journal - Student of the Market - July 2021 Source: Bureau of Labor Statistics, as of 5/31/21. Actual example from the .U.S. Bureau of Labor Statistics website. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627657186255-SGNYA1Y747CEC22IR21J/9.png The New Capital Journal - Student of the Market - July 2021 Source: Morningstar. Performance data quoted represents past performance and is no guarantee of future results. Current performance may be lower or higher than that shown. This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The opinions expressed are as of 6/30/21 and may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by BlackRock to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Past performance is no guarantee of future results. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. Past performance is no guarantee of future results. Index performance is shown for illustrative purposes only. It is not possible to invest directly in an index. Investing involves risks, including possible loss of principal. This information should not be relied upon as research, investment advice, or a recommendation regarding any products, strategies, or any security in particular. This material is strictly for illustrative, educational, or informational purposes and is subject to change. © 2021 BlackRock, Inc. BlackRock is a trademark of BlackRock, Inc. All other trademarks are the property of their respective owners. NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE Prepared by BlackRock Investments, LLC. Member FINRA. This material is provided for educational purposes only. BlackRock is not affiliated with any third party distributing this material. https://www.newcapitalmgmt.com/news/what-do-higher-wages-mean-for-corporate-profits monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1626963234393-SUXGNO10CYT95U39U604/Screen+Shot+2021-07-22+at+9.13.33+AM.png The New Capital Journal - What Do Higher Wages Mean for Corporate Profits? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/mid-year-is-a-good-time-for-a-financial-checkup monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/the-middle-way monthly 0.5 2026-03-20 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - The Middle Way https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1627137732290-EPXDPUH2FPDGSDX4CRC9/Screen+Shot+2021-07-24+at+9.41.53+AM.png The New Capital Journal - The Middle Way - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/Leonard+Golub+Financial+Advisor The New Capital Journal - The Middle Way https://www.newcapitalmgmt.com/news/a-midyear-update-on-our-economic-and-market-outlook monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1626963459790-8STZT9N7KKAROIXK3GKM/Screen+Shot+2021-07-22+at+9.17.29+AM.png The New Capital Journal - A Midyear Update on our Economic and Market Outlook Notes: Lift-off date is the projected date of increase in the short-term policy interest rate target for each central bank from its current low. Rates for 2025 and 2030 are Vanguard projections for each central bank’s policy rate. Source: Vanguard forecasts as of May 13, 2021. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1626963531960-IPEWXQYYEB201PPA2PR1/Screen+Shot+2021-07-22+at+9.18.39+AM.png The New Capital Journal - A Midyear Update on our Economic and Market Outlook Sources: Historical government bond yield data sourced from Bloomberg. Vanguard forecasts, as of May 13, 2021, generated from Vanguard’s proprietary vector error correction model. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1626963579214-0WO0PLBGOPBYUD5CXR1O/Screen+Shot+2021-07-22+at+9.19.30+AM.png The New Capital Journal - A Midyear Update on our Economic and Market Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/whats-boosting-value-stocks monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1626962673631-GQX6BNVH2UQJIYHNHGKO/Screen+Shot+2021-07-22+at+9.04.23+AM.png The New Capital Journal - What's Boosting Value Stocks? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1626962719385-GJ3231N5Z355FP3TVENF/Screen+Shot+2021-07-22+at+9.05.09+AM.png The New Capital Journal - What's Boosting Value Stocks? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/new-global-tax-accord-takes-shape monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/are-concerns-about-inflation-inflated monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1626444712007-5YZALSTZRG1EAOZ9A0GI/Screen+Shot+2021-07-16+at+9.11.41+AM.png The New Capital Journal - Are Concerns About Inflation Inflated? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1626448556988-2GNO10UBB8O9WQWE3R56/inflation2.png The New Capital Journal - Are Concerns About Inflation Inflated? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/types-of-home-improvement-loans monthly 0.5 2026-02-04 https://www.newcapitalmgmt.com/news/janelle-saunders monthly 0.5 2026-02-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1625756417416-D1V1TMU18LL18DYR8ARD/JS+-+5x7.jpg The New Capital Journal - Welcome Janelle Saunders https://www.newcapitalmgmt.com/news/dont-be-dogmatic-about-retirement-portfolio-withdrawals monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/should-you-be-concerned-about-inflation monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/hostage-data-ransomware-and-protecting-your-digital-information monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/re-growth-summer-2021-road-trip monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - Re-Growth: Summer 2021 Road Trip https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1625342134719-8I1KGQJQEJQRLHKRRX46/IMG_3274.jpg The New Capital Journal - Re-Growth: Summer 2021 Road Trip - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1625342948073-SEWHU393DWH4RQFAJFXY/IMG_3407.jpg The New Capital Journal - Re-Growth: Summer 2021 Road Trip - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1625342009607-5CFOQBE2DZGWYP6KC2TV/IMG_3394.jpg The New Capital Journal - Re-Growth: Summer 2021 Road Trip - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1625342037846-9CZAPRHRBJ9SQ76OOYDS/IMG_3434.jpg The New Capital Journal - Re-Growth: Summer 2021 Road Trip - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/Leonard+Golub+Financial+Advisor The New Capital Journal - Re-Growth: Summer 2021 Road Trip https://www.newcapitalmgmt.com/news/how-to-not-leave-behind-a-smaller-legacy-and-pay-more-taxes monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/charitable-remainder-trusts-charitable-giving-while-generating-income monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1624651007333-75L6F3Z7I3I6DLEEDOD1/Screen+Shot+2021-06-25+at+2.56.02+PM.png The New Capital Journal - Charitable Remainder Trusts: Charitable Giving While Generating Income - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1624651050914-AJ0WF8SKX5TS6JJLZCF5/Screen+Shot+2021-06-25+at+2.57.20+PM.png The New Capital Journal - Charitable Remainder Trusts: Charitable Giving While Generating Income - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1624651092817-JEYCLV4Y9IUXIZWCCITB/Screen+Shot+2021-06-25+at+2.58.03+PM.png The New Capital Journal - Charitable Remainder Trusts: Charitable Giving While Generating Income - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/federal-student-loan-interest-rates-set-to-increase-for-2021-2022 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1624418331679-FXHD63I9S91XX3A76GYG/Screen+Shot+2021-06-22+at+10.18.33+PM.png The New Capital Journal - Federal Student Loan Interest Rates Set to Increase for 2021-2022 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/making-medical-decisions-during-incapacity monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Making Medical Decisions during Incapacity Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/whats-the-federal-reserves-outlook-for-monetary-policy monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1624032255696-HAJ5V77BCU1TRWPC1N75/Screen+Shot+2021-06-18+at+11.03.34+AM.png The New Capital Journal - What’s the Federal Reserve’s Outlook for Monetary Policy? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/as-policy-tightens-expect-only-modest-yield-rises monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623957568413-XEZJXJ6BDQSEPLZUX1JO/Screen+Shot+2021-06-17+at+2.19.18+PM.png The New Capital Journal - As Policy Tightens, Expect Only Modest Yield Rises Notes: Lift-off date is the projected date of increase in the short-term policy interest rate target for each central bank from its current low. Rates for 2025 and 2030 are Vanguard projections for each central bank’s policy rate. Source: Vanguard forecasts as of May 13, 2021. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1624032125450-POL0QNT4RXU3Y12JDOMB/Screen+Shot+2021-06-18+at+11.01.27+AM.png The New Capital Journal - As Policy Tightens, Expect Only Modest Yield Rises Sources: Historical government bond yield data sourced from Bloomberg. Vanguard forecasts, as of May 13, 2021, generated from Vanguard’s proprietary vector error correction model. https://www.newcapitalmgmt.com/news/retaining-assets-while-being-medicaid-eligible monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Retaining Assets While Being Medicaid Eligible Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/how-are-workers-preparing-for-retirement monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/new-capital-2021-intern-ashley-yen monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623268422689-9045PT6MRB212GQCSAF2/ashleyspicture.jpg The New Capital Journal - New Capital 2021 Intern: Ashley Yen https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623268473815-COZ9XX8AT5581U72TJK2/image1.jpeg The New Capital Journal - New Capital 2021 Intern: Ashley Yen https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623268471611-PKKZYXGQQ52C5OV94OQV/IMG_6814.jpg The New Capital Journal - New Capital 2021 Intern: Ashley Yen https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623268473809-EY5M67UUY15MQM00L8CE/IMG_8083.jpg The New Capital Journal - New Capital 2021 Intern: Ashley Yen https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623268610580-M3V6H6PB2U0X1B8VVUDO/Wealth-Inequality-Main.jpeg The New Capital Journal - New Capital 2021 Intern: Ashley Yen https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623268675048-6MK56C7H7I36OI7L0WPU/Path-to-Progress-MSCI-The-Rise-of-Women-on-Boards.jpeg The New Capital Journal - New Capital 2021 Intern: Ashley Yen https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623268726517-1DE9TGZC6A3SNMGD88N3/Unemployment-Rate-in-Perspective-1-768x913.jpeg The New Capital Journal - New Capital 2021 Intern: Ashley Yen https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623268782356-TEUQ9JILB3F0BUDQDRVN/Five-Sustainable-Investing-Drivers-1200px.png The New Capital Journal - New Capital 2021 Intern: Ashley Yen https://www.newcapitalmgmt.com/news/inflation-an-exchange-between-eugene-fama-and-david-booth monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/should-i-refinance-now monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/d-day-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - D-Day 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623036482443-BHM1DZ9TTV6JWNIW3KL9/dday.jpg The New Capital Journal - D-Day 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623034467183-02ZLHS2Z9ABB0UZLW1EQ/Leonard+Golub%2C+CFA The New Capital Journal - D-Day 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1623034699443-VX482AIIGTVL68GCHH7I/LG---halftime-chart2.png The New Capital Journal - D-Day 2021 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/Leonard+Golub+Financial+Advisor The New Capital Journal - D-Day 2021 https://www.newcapitalmgmt.com/news/clearing-up-qcd-confusion monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/is-it-better-to-give-or-let-kids-inherit monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Is It Better To Give Or Let Kids Inherit? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/shortages-and-bottlenecks-expose-weak-links-in-us-supply-chains monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/why-bother-with-international-investing-now monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1622212963355-FZQ7IMDZ4QG5WTUXX1KS/Screen+Shot+2021-05-28+at+9.42.32+AM.png The New Capital Journal - Why Bother With International Investing Now? https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1622213028321-7H69WYQ1JJHNAPPM66ZG/Screen+Shot+2021-05-28+at+9.43.36+AM.png The New Capital Journal - Why Bother With International Investing Now? Source: BlackRock, Aladdin as of 12/31/2020. Typical advisor equity allocation represented by an index-based portfolio with allocations that match the average geographic allocation of the equity sleeves of 17,795 portfolios collected in the trailing 12 months. It is 75.40% S&P Total US Stock Market Index, 17.10% MSCI International Developed Markets Index and 7.50% MSCI Emerging Markets Index. The “…minus emerging markets portfolio” consists of 81.50% S&P Total US Stock Market Index and 19.57% MSCI International Developed Markets Index. Risk figures are factor-based estimates of annualized standard deviation from the risk model in Aladdin. https://www.newcapitalmgmt.com/news/donors-bet-on-multifaceted-solutions-to-the-worlds-great-challenges monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1622213322677-0MVH4OFCDN4W1DOOCE3M/Screen+Shot+2021-05-28+at+9.48.32+AM.png The New Capital Journal - Donors Bet On Multifaceted Solutions to the World’s Great Challenges - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1622213370538-7UB9X96OS6Y55B9JW6Y5/Screen+Shot+2021-05-28+at+9.49.20+AM.png The New Capital Journal - Donors Bet On Multifaceted Solutions to the World’s Great Challenges - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1622213458262-HR24IE6XO2YC905KS3PO/Screen+Shot+2021-05-28+at+9.50.47+AM.png The New Capital Journal - Donors Bet On Multifaceted Solutions to the World’s Great Challenges - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1622213514069-K5VBKS0I1LUFEI8A8WLG/Screen+Shot+2021-05-28+at+9.51.40+AM.png The New Capital Journal - Donors Bet On Multifaceted Solutions to the World’s Great Challenges - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1622213583295-NL21RCTY87EA3Z6BBQ68/Screen+Shot+2021-05-28+at+9.52.51+AM.png The New Capital Journal - Donors Bet On Multifaceted Solutions to the World’s Great Challenges - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1622213629479-T2BWUI1ATXKO2MLWLIYU/Screen+Shot+2021-05-28+at+9.53.39+AM.png The New Capital Journal - Donors Bet On Multifaceted Solutions to the World’s Great Challenges - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.newcapitalmgmt.com/news/crisis-averted-financial-help-for-struggling-renters-and-landlords monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/the-coming-drivers-of-inflation monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1620922806285-VBWR2KQDNN4ID5JS2LV8/Screen+Shot+2021-05-13+at+11.19.49+AM.png The New Capital Journal - The Coming Drivers of Inflation Sources: Vanguard assessment as of April 13, 2021, using data from the U.S. Bureau of Labor Statistics, Federal Reserve Economic Data, Federal Reserve Bank of Atlanta, Federal Reserve Bank of New York, and the U.S. Congressional Budget Office. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1620922876138-24YI0UD83BD6M5WHJ1QU/Screen+Shot+2021-05-13+at+11.21.05+AM.png The New Capital Journal - The Coming Drivers of Inflation Notes: Our scenarios are based on the following assumptions: Downside—net neutral additional spending (any additional spending offset by revenues), marginal increase in inflation expectations; Baseline—$500 billion in fiscal spending above what has already been approved, a 10-basis-point increase in inflation expectations, and 7% GDP growth in 2021; Upside—$1.5 trillion in fiscal spending above what has already been approved, a 20-basis-point increase in inflation expectations, and 7% GDP growth in 2021; “go big”—$3 trillion in fiscal spending above what has already been approved, a 50-basis-point increase in inflation expectations, and GDP growth above 7% in 2021. The “go big” scenario forecast dips below the upside forecast early in 2022 because of stronger base effects associated with the “go big” scenario in 2021. Sources: Vanguard assessment as of April 30, 2021, using data from the U.S. Bureau of Labor Statistics, Federal Reserve Economic Data, Federal Reserve Bank of Atlanta, Federal Reserve Bank of New York, and the U.S. Congressional Budget Office. https://www.newcapitalmgmt.com/news/getting-hot-in-here-2021-summer-market-preview monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619792944340-Z5PQSI1R7ETRUJSM4B63/holmes%2C-kevin.jpg The New Capital Journal - Getting Hot in Here: 2021 Summer Market Preview Kevin Holmes, Guaranteed Rate https://www.newcapitalmgmt.com/news/retirement-confidence-remains-strong-despite-pandemic monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/how-might-the-american-jobs-plan-impact-the-municipal-bond-market monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/what-is-an-advance-directive-and-why-do-i-need-one monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/american-families-plan-would-provide-benefits-for-some-more-taxes-for-others monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-perspectives-may-2021 monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1620923671617-3WQH387VHOQZ2JND9KFK/Screen+Shot+2021-05-13+at+11.34.22+AM.png The New Capital Journal - Market Perspectives: May 2021 The following indexes were used for U.S. stock market returns: the Standard & Poor’s 90 from 1926 through March 3, 1957; the Standard & Poor’s 500 Index from March 4, 1957, through 1974; the Wilshire 5000 Index from 1975 through April 22, 2005; the MSCI US Broad Market Index from April 23, 2005, through June 2, 2013; and the CRSP US Total Market Index thereafter. U.S. bond market returns: the Standard & Poor’s High Grade Corporate Index from 1926 to 1968, the Citigroup High Grade Index from 1969 to 1972, the Lehman Brothers U.S. Long Credit AA Index from 1973 to 1975, the Barclays Capital U.S. Aggregate Bond Index from 1976 to 2009, and the Bloomberg Barclays U.S. Aggregate Float Adjusted Index thereafter. Source: Vanguard calculations using data from S&P, MSCI, Citigroup, and Barclays as of December 31, 2020. Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. https://www.newcapitalmgmt.com/news/why-investors-might-think-twice-about-chasing-the-biggest-stocks monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1620315705357-MS90ONL8MZ1H06I4SBOH/Screen+Shot+2021-05-06+at+10.33.10+AM.png The New Capital Journal - Why Investors Might Think Twice About Chasing the Biggest Stocks https://www.newcapitalmgmt.com/news/rising-inflation-where-will-it-go-from-here monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1620242251525-JL75GUXTR6TKFCQFNXXR/Screen+Shot+2021-05-05+at+2.17.17+PM.png The New Capital Journal - Rising Inflation: Where Will It Go from Here? https://www.newcapitalmgmt.com/news/common-mistakes-when-making-beneficiary-designations monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Common Mistakes when Making Beneficiary Designations Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/why-wall-street-issues-so-many-buy-recommendations monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/what-the-cares-act-means-for-your-charitable-giving-in-2021 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/green-mortgages-for-a-green-home monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619792944340-Z5PQSI1R7ETRUJSM4B63/holmes%2C-kevin.jpg The New Capital Journal - Green Mortgages For A Green Home Kevin Holmes, Guaranteed Rate https://www.newcapitalmgmt.com/news/what-a-difference-a-year-makes-markets-in-review monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/how-green-is-bidens-infrastructure-plan monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619201703514-TYK4RB46PNLYYSM68O81/Screen+Shot+2021-04-23+at+1.13.38+PM.png The New Capital Journal - How Green is Biden's Infrastructure Plan? https://www.newcapitalmgmt.com/news/enhanced-child-tax-credit-for-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619189739730-ZESLJGJOK3LD3LBUK3CQ/NCM+Journal+Thumbnail.jpg The New Capital Journal - Enhanced Child Tax Credit for 2021 https://www.newcapitalmgmt.com/news/why-bother-with-international-investing monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1618592661550-Z0WQMZNYLX0OP7SFW8L6/Screen+Shot+2021-04-16+at+12.03.59+PM.png The New Capital Journal - Why Bother With International Investing? https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1618592720722-JWCH6M8TMBX8IKZH9YCR/Screen+Shot+2021-04-16+at+12.05.10+PM.png The New Capital Journal - Why Bother With International Investing? Source: BlackRock, Aladdin as of 12/31/2020. Typical advisor equity allocation represented by an index-based portfolio with allocations that match the average geographic allocation of the equity sleeves of 17,795 portfolios collected in the trailing 12 months. It is 75.40% S&P Total US Stock Market Index, 17.10% MSCI International Developed Markets Index and 7.50% MSCI Emerging Markets Index. The “…minus emerging markets portfolio” consists of 81.50% S&P Total US Stock Market Index and 19.57% MSCI International Developed Markets Index. Risk figures are factor-based estimates of annualized standard deviation from the risk model in Aladdin. https://www.newcapitalmgmt.com/news/q1-2021-market-review monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1618536990999-AIWQGFGC2SPVWK2ERYGB/DFA---Q1-Market.png The New Capital Journal - Q1 2021 Market Review https://www.newcapitalmgmt.com/news/bernard-madoff-1938-2021 monthly 0.5 2026-02-25 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - Bernard Madoff (1938 - 2021) https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/Leonard+Golub+Financial+Advisor The New Capital Journal - Bernard Madoff (1938 - 2021) https://www.newcapitalmgmt.com/news/why-wont-my-power-of-attorney-work monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Why Won’t My Power of Attorney Work? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/2020-client-satisfaction-survey-results-m5bey monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/the-next-normal monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1617892669042-9J0JR3ITB85OCE0K9TC9/Screen+Shot+2021-04-08+at+9.37.16+AM.png The New Capital Journal - The Next Normal https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1617892738540-8MLWNAGN3OEF0PT4CX5R/Screen+Shot+2021-04-08+at+9.38.49+AM.png The New Capital Journal - The Next Normal https://www.newcapitalmgmt.com/news/will-the-senate-estate-tax-bill-impact-my-estate-plan monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/high-frequency-indicators-where-to-look-for-signs-of-recovery monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1617824592374-R37PH4KTDHIT4L29EP4R/NCM+Journal+Thumbnail+%282%29.jpg The New Capital Journal - High-Frequency Indicators: Where to Look for Signs of Recovery https://www.newcapitalmgmt.com/news/2020-tax-reporting-of-suspended-rmds-2 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572888951184-W00CO72PX5X870FO7QX2/JC+-+1x1.jpg The New Capital Journal - 2020 Tax Reporting of Suspended & Rollback RMDs https://www.newcapitalmgmt.com/news/why-we-dont-expect-fed-rate-hikes-anytime-soon monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1617037068633-NF3A3K1EDLYOPUIBC6UF/Screen+Shot+2021-03-29+at+11.57.36+AM.png The New Capital Journal - Why We Don't Expect Fed Rate Hikes Anytime Soon https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1617038170934-QLJR1ICJVNAE6R98FZ9U/Screen+Shot+2021-03-29+at+12.16.01+PM.png The New Capital Journal - Why We Don't Expect Fed Rate Hikes Anytime Soon https://www.newcapitalmgmt.com/news/us-credit-card-debt-levels-see-record-drop-in-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1617207912048-SFQ0MNOY7HS5XKQSARSZ/NCM+Journal+Thumbnail+%281%29.jpg The New Capital Journal - U.S. Credit-Card Debt Levels See Record Drop in 2020 https://www.newcapitalmgmt.com/news/what-is-the-dimensional-receives-climate-neutral-operations-certification-cost-of-carbon-jmgma monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/what-has-covid-19-meant-for-working-women monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1616775146995-84ESA8MT1W03KSMKEH1Z/Screen+Shot+2021-03-26+at+11.12.13+AM.png The New Capital Journal - What has COVID-19 meant for working women? https://www.newcapitalmgmt.com/news/due-date-for-federal-income-tax-returns-and-payments-postponed-to-may-17 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/protect-assets-from-medicaid-recovery monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Protect Assets from Medicaid Recovery Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/american-rescue-plan-act-provides-relief-to-individuals-and-businesses monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1615823059311-0AMHX1Y53LCMD7OG1HUF/NCM+Journal+Thumbnail+%281%29.jpg The New Capital Journal - American Rescue Plan Act Provides Relief to Individuals and Businesses https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1615822424517-8ZK9Y91M996RKYUEFQPD/Screen+Shot+2021-03-15+at+10.33.32+AM.png The New Capital Journal - American Rescue Plan Act Provides Relief to Individuals and Businesses https://www.newcapitalmgmt.com/news/irs-provides-tax-relief-to-texas-residents monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1615913083559-3A2Y9R3LVDAFUZR6ULDC/winter-freeze-taxes.png The New Capital Journal - IRS Provides Tax Relief to Texas Residents https://www.newcapitalmgmt.com/news/biden-administration-will-improve-regulatory-climate-for-sustainable-investing monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/the-unwinding-of-pandemic-debt monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614992306197-1L0YO8Y86APT1DM0F2WW/Screen+Shot+2021-03-05+at+6.58.01+PM.png The New Capital Journal - The Unwinding of Pandemic Debt https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614992323851-RP88MXD64YDUHQQUCFHM/Screen+Shot+2021-03-05+at+6.57.46+PM.png The New Capital Journal - The Unwinding of Pandemic Debt https://www.newcapitalmgmt.com/news/rias-proved-their-worth-during-march-2020-meltdown-study-says monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/what-is-the-social-cost-of-carbon monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/immigrants-with-temporary-protected-status-could-be-offered-a-path-to-us-citizenship monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/leaving-stock-through-a-texas-estate-plan monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/beware-of-pandemic-scams monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614966208465-7H602M3YPF5HLBDY9XVR/FF---Pandemic-Scams.png The New Capital Journal - Beware of Pandemic Scams https://www.newcapitalmgmt.com/news/fidelity-charitable-2021-giving-report monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614361068166-BJBKM1HJZPPH5QZV1DR5/1.png The New Capital Journal - Fidelity Charitable 2021 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614361162610-EFYFIO60WZPQYLNHMQ6Z/2.png The New Capital Journal - Fidelity Charitable 2021 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614361339700-K3TJZCRPDBDG8RF520U9/3.png The New Capital Journal - Fidelity Charitable 2021 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614362602089-T1EZ3SG9QCE8V3HGBCRA/racial-equity2.png The New Capital Journal - Fidelity Charitable 2021 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614362602028-N8TM57HCFGBB45BVDQSF/unemployment2.png The New Capital Journal - Fidelity Charitable 2021 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614362603216-7SPQJQT13LOPGWYE5ROX/food2.png The New Capital Journal - Fidelity Charitable 2021 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614362603120-80WZ9LARM3PKD4IGJIXO/medical2.png The New Capital Journal - Fidelity Charitable 2021 Giving Report https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614362772531-J6U47KB83W90YQJ4XAOL/8.png The New Capital Journal - Fidelity Charitable 2021 Giving Report https://www.newcapitalmgmt.com/news/energy-ogre monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/protecting-money-from-a-childs-divorce monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Protecting Money from a Child’s Divorce Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/theres-still-time-to-contribute-to-an-ira-for-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614276942691-6C3J549MRJU6FT8KDUTY/NCM+Journal+Thumbnail.jpg The New Capital Journal - There's Still Time to Contribute to an IRA for 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614276612532-6LVSNDXYCKOY487XAJCT/Screen+Shot+2021-02-25+at+12.09.55+PM.png The New Capital Journal - There's Still Time to Contribute to an IRA for 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614276660879-HRAKIQJJV2WDR97A89Y5/Screen+Shot+2021-02-25+at+12.10.52+PM.png The New Capital Journal - There's Still Time to Contribute to an IRA for 2020 https://www.newcapitalmgmt.com/news/market-week-february-22-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1614007041331-ML51KS23KPKVTYYCRYF7/Screen+Shot+2021-02-22+at+9.17.02+AM.png The New Capital Journal - Market Week: February 22, 2021 https://www.newcapitalmgmt.com/news/stress-tests monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1613934448070-C3MQU0Q4607JEPZKQ6V7/IMG_1519.jpg The New Capital Journal - Stress Tests https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1613934449683-88K2C7U7NP2RW7ISGDU5/IMG_1527.jpg The New Capital Journal - Stress Tests https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1613934454033-0TPTRSE9KM8ZXT04UZOL/IMG_1534.jpg The New Capital Journal - Stress Tests https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1613934453527-QTB3WJKMLADS2L0SVONM/IMG_1549.jpg The New Capital Journal - Stress Tests https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1613934456885-BH0KIAJQ1QZZPWS6TZC7/IMG_1556.jpg The New Capital Journal - Stress Tests https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1613934463572-7FTQWL0HEZKGAJDR2IU3/IMG_1562.jpg The New Capital Journal - Stress Tests https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1613934465150-PT36U5BFDRFECXYKHUOA/IMG_1576.jpg The New Capital Journal - Stress Tests https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1613934473604-B4NTW3DPHWEWD8B1AZKO/IMG_1579.jpg The New Capital Journal - 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The 5 Big Forces in 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1609533032844-234M25XONWXLVYIP5MA6/JPM8 The New Capital Journal - The 5 Big Forces in 2021 https://www.newcapitalmgmt.com/news/market-week-december-28-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1609168266428-B4EF0I7UJ0YFGRS97M9L/Market+Week%3A+December+28%2C+2020 The New Capital Journal - Market Week: December 28, 2020 https://www.newcapitalmgmt.com/news/happy-holidays-from-new-capital monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608694479182-HCUWSO83UCA8LD81F81I/Happy%2BHolidays%2Bfrom%2BNew%2BCapital The New Capital Journal - Happy Holidays from New Capital https://www.newcapitalmgmt.com/news/3-momentous-events-highlight-the-impact-of-investing-in-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608674614743-UIXIIV0AJZ2E3YPZCO04/3+Momentous+Events+Highlight+the+Impact+of+Investing+in+2020 The New Capital Journal - 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Market Week: December 21, 2020 https://www.newcapitalmgmt.com/news/year-end-planning-2020-in-review-a-look-ahead-2021 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/student-of-the-market-december-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608325592832-5NDMOLFIIU7UKIE1M18W/Student+of+the+Market The New Capital Journal - Student of the Market - December 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608325636880-OQN1IQUVA302JHPQKUU8/Student%2Bof%2Bthe%2BMarket%2B1 The New Capital Journal - Student of the Market - December 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608325719914-GU2XAR8D3UOKB8JPZV8O/Student%2Bof%2Bthe%2BMarket2 The New Capital Journal - Student of the Market - December 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608325789051-8VC8GSS5IMUGYFY1D5UG/Student%2Bof%2Bthe%2BMarket3 The New Capital Journal - Student of the Market - December 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608325872094-79FD7UUYAK4FE9TT93CQ/Student%252Bof%252Bthe%252BMarket3 The New Capital Journal - Student of the Market - December 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608325918774-LY93OQ5I0MPJQ509JRH4/Student%2Bof%2Bthe%2BMarket4 The New Capital Journal - Student of the Market - December 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608325967997-RISYGX4KWCELY6LE4LOJ/Student%2Bof%2Bthe%2BMarket5 The New Capital Journal - Student of the Market - December 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608326016217-G7O2MLTJ23CYPVQGCEKQ/Student%2Bof%2Bthe%2BMarket6 The New Capital Journal - Student of the Market - December 2020 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1608236468924-FDU547K70Y28HQ47RVHE/Student+of+the+Market7 The New Capital Journal - Student of the Market - December 2020 https://www.newcapitalmgmt.com/news/2020-year-end-tax-tips monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607972206788-1BOS48V0QNWJQGQ4NL09/2020+Year-End+Tax+Tips The New Capital Journal - 2020 Year-End Tax Tips https://www.newcapitalmgmt.com/news/market-week-december-14-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607971581144-GF8VQF7NSRHMWOQBCAHG/Market+Week%3A+December+14%2C+2020 The New Capital Journal - Market Week: December 14, 2020 https://www.newcapitalmgmt.com/news/light-and-warmth monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - Light and Warmth https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607817422750-7YR4MN6O52YZS5CA6MOF/district.png The New Capital Journal - Light and Warmth Texas 2nd Congressional District https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607818209816-4YJS6VBF07PHRNOQSJXN/medical+workers.jpg The New Capital Journal - Light and Warmth https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607826915140-1Z6SXIRGTAGCQC60RCWZ/Leonard+Golub+Financial+Advisor The New Capital Journal - 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Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/drafting-your-family-mission-statement monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607537689319-JGZZV11CSZG6EXQQCTR1/Drafting+your+Family+Mission+Statement The New Capital Journal - Drafting your Family Mission Statement https://www.newcapitalmgmt.com/news/market-week-december-7-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607353539991-C9QXHXPXEX1I8MFVFGV2/Market+Week%3A+December+7%2C+2020 The New Capital Journal - Market Week: December 7, 2020 https://www.newcapitalmgmt.com/news/invite-new-capital-2020-year-review monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607104733336-JJ1L1XXP1SNDBD6C1UY5/banner-with-white-logo.png The New Capital Journal - Webinar: Year-End Planning, 2020 In Review & A Look Ahead at 2021 https://www.newcapitalmgmt.com/news/what-can-covid-19-vaccines-tell-us-about-the-opportunity-in-small-caps monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607110484445-C6XQ86S426NAERNANGIV/Screen+Shot+2020-12-04+at+1.34.29+PM.png The New Capital Journal - What can COVID-19 vaccines tell us about the opportunity in small caps? https://www.newcapitalmgmt.com/news/year-end-charitable-giving-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1607104958944-LQKAYVH7BLT09PERFXS9/Year-End+Charitable+Giving+2020 The New Capital Journal - 2020 Year-End Charitable Giving https://www.newcapitalmgmt.com/news/the-jobs-recovery-more-work-to-be-done monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606935708269-58O3PO3HOF12FGRYGAMY/Jobs+Recovery The New Capital Journal - The Jobs Recovery: More Work to Be Done https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606935280940-45DMUSG1572UE6ZVFJ7N/The+Jobs+Recovery%3A+More+Work+to+Be+Done The New Capital Journal - The Jobs Recovery: More Work to Be Done https://www.newcapitalmgmt.com/news/market-week-november-30-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606754995346-A44FOVI8ECCXYZFTESNB/Market+Week%3A+November+30%2C+2020 The New Capital Journal - Market Week: November 30, 2020 https://www.newcapitalmgmt.com/news/the-role-of-volunteering-in-philanthropy monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606242861592-WCUX8DUWUV024WFHT0UY/Volunteering1 The New Capital Journal - The role of volunteering in philanthropy https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606242886366-JZ36RA7WIO4S1TWWOR4G/Volunteering2 The New Capital Journal - The role of volunteering in philanthropy https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606243514169-M5IPSTD9OAX6Z85Q976S/philanthropy The New Capital Journal - The role of volunteering in philanthropy https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606243541613-XSHH36XYQ1J5A3AQ2YST/philanthropy2 The New Capital Journal - The role of volunteering in philanthropy https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606243583234-1PVLRW4EP6S6KCOVOBD0/philanthropy3 The New Capital Journal - The role of volunteering in philanthropy https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606243910886-561JLCD4LE8LHIILRE2I/Volunteer1 The New Capital Journal - The role of volunteering in philanthropy https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606243935442-4N5YQKAD0AB3B16KTSPH/Volunteer2 The New Capital Journal - The role of volunteering in philanthropy https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606243993730-Z2LRRK0RZO2F2TSEQ9Z6/Volunteer3 The New Capital Journal - The role of volunteering in philanthropy https://www.newcapitalmgmt.com/news/market-week-november-23-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1606153972851-DVSOS82IIWJ8BVV7AJXP/Market+Week%3A+November+23%2C+2020 The New Capital Journal - Market Week: November 23, 2020 https://www.newcapitalmgmt.com/news/the-right-thing-not-the-easy-thing monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1605721586922-2NTC5YGS8YHZ773A3FI8/The+Right+Thing The New Capital Journal - The Right Thing, Not the Easy Thing https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1605721788614-B6Q6XIWKO8HMAOBV9A9L/Not+the+Easy+Thing The New Capital Journal - The Right Thing, Not the Easy Thing https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1605721842058-KN5JJEK19D1DYTQUMSUT/Right+Thing%2C+Not+the+Easy+Thing The New Capital Journal - The Right Thing, Not the Easy Thing https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1605721925264-8N0ADKJ0PQOUD6211O7V/the+Easy+Thing The New Capital Journal - The Right Thing, Not the Easy Thing https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1605722072208-4AJJFS42CGJA0SH3ETG5/Right+Thing The New Capital Journal - The Right Thing, Not the Easy Thing https://www.newcapitalmgmt.com/news/what-will-you-pay-for-medicare-in-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1605732314863-PAAZNYFUBPABDX7VRU99/What+Will+You+Pay+for+Medicare+in+2021%3F The New Capital Journal - What Will You Pay for Medicare in 2021? https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1605731806555-ZTD06ZVN0NMRUH49GMM8/What+Will+You+Pay+for+Medicare+in+2021%3F The New Capital Journal - What Will You Pay for Medicare in 2021? https://www.newcapitalmgmt.com/news/market-week-november-16-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1605540371328-W9U6RN2NL5CYDQZ2Y2KY/Market+Week%3A+November+16%2C+2020 The New Capital Journal - Market Week: November 16, 2020 https://www.newcapitalmgmt.com/news/energy-stocks-surge-on-positive-vaccine-news monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/new-college-cost-data-for-2020-2021-school-year monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1605130007444-5X9N6XLKZ4S1A9SWNQ2R/New+College+Cost+Data+for+2020-2021+School+Year The New Capital Journal - New College Cost Data for 2020-2021 School Year https://www.newcapitalmgmt.com/news/market-week-november-9-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1604936992549-50SOG9O9AALXGI0P68LX/Screen+Shot+2020-11-09+at+9.49.35+AM.png The New Capital Journal - Market Week: November 9, 2020 https://www.newcapitalmgmt.com/news/the-people-have-spoken monthly 0.5 2026-02-25 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - The People Have Spoken https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1604771047244-0JHDIYRQEPL1EMAIFYSD/The+People+Have+Spoken The New Capital Journal - The People Have Spoken https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1604841892465-XRXRT8WL0BSDHPBZQD2B/Capture+nyt.JPG The New Capital Journal - The People Have Spoken https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578691231494-UNKZ2S9NSWXGCV3U3BLV/Leonard+Golub+Financial+Advisor The New Capital Journal - The People Have Spoken https://www.newcapitalmgmt.com/news/conference-recordings monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/how-charitable-donors-can-support-the-arts monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1604723813517-2IAFX4FQQ40U3IGSJQ3P/How+Charitable+Donors+Can+Support+the+Arts The New Capital Journal - How Charitable Donors Can Support the Arts https://www.newcapitalmgmt.com/news/long-distance-caregiving-during-these-difficult-times monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593624873715-6I9B1BOV6BDI1LGL3UNO/galligan.m.jpg The New Capital Journal - Long Distance Caregiving During These Difficult Times Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/ira-and-retirement-plan-limits-for-2021 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1604691915617-XIPDT8XBH2REI9Y3R853/IRA+and+Retirement+Plan+Limits+for+2021 The New Capital Journal - IRA and Retirement Plan Limits for 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1604690722681-V61OQJWLDHNWMJ4ZAHX0/Plan+Limits+for+2021 The New Capital Journal - IRA and Retirement Plan Limits for 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1604690781885-0JHJB93ZFPO6FUPBH37M/Plan+Limits+for+2021.1 The New Capital Journal - IRA and Retirement Plan Limits for 2021 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1604690841055-BON9C3CIK5541DNIQW28/Plan+Limits+for+2021.2 The New Capital Journal - IRA and Retirement Plan Limits for 2021 https://www.newcapitalmgmt.com/news/market-week-november-2-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1604332884111-3HDY3Q5C92ND57HOIHOG/Market+Week%3A+November+2%2C+2020 The New Capital Journal - Market Week: November 2, 2020 https://www.newcapitalmgmt.com/news/november-1-2020-begins-open-enrollment-for-health-insurance-marketplaces monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1603938774728-FNWF8ANT7KT0NMB7YZ06/November+1+Begins+Open+Enrollment The New Capital Journal - November 1 Begins Open Enrollment for Health Insurance Marketplaces https://www.newcapitalmgmt.com/news/market-week-october-26-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1603728332464-5WP22DTLHK2QLSNQN16S/Market+Week%3A+October+26%2C+2020 The New Capital Journal - Market Week: October 26, 2020 https://www.newcapitalmgmt.com/news/new-capital-2020-annual-conference-next-friday monthly 0.5 2026-02-02 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1600721076098-E1OHSS13KS729EB4C2TY/header.png The New Capital Journal - Join us NEXT FRIDAY for the New Capital 2020 VIRTUAL Annual Conference https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1692125084387-16GU9K1X4S684PKUXY0J/LG%2B-%2B5x7.jpg The New Capital Journal - Join us NEXT FRIDAY for the New Capital 2020 VIRTUAL Annual Conference - Leonard M. Golub, CFA New Capital Management Leonard Golub is the founder of New Capital Management, a 20-year industry veteran and independent practice pioneer. He is a highly accomplished advisor who works closely with New Capital’s clients in all aspects of their financial planning and lives. He is a CFA (Chartered Financial Analyst) charterholder, a professional member of the Financial Therapy Association, and completed training with the Kinder Institute of Life Planning. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1692125208641-30853VZUXV3G5A2JHIJD/pandit.png The New Capital Journal - Join us NEXT FRIDAY for the New Capital 2020 VIRTUAL Annual Conference - Meera Pandit, CFA JP Morgan Chase & Co. Meera Pandit, Executive Director, is a Global Market Strategist on the J.P. Morgan Asset Management Global Market Insights Strategy Team. Meera is responsible for delivering timely market and economic insights to institutional and retail clients, conducting research on the global economy and capital markets, and running economic forecasts. She is also responsible for publications such as the Guide to the Markets, and is a contributor to the J.P. Morgan Long-Term Capital Market Assumptions. Meera is also a frequent guest on Bloomberg, Yahoo! Finance, CNN, and other financial news outlets and is often quoted in the financial press. Meera joined the firm in 2011 as an analyst in J.P. Morgan’s Private Bank in New York, where she served ultra-high and high-net worth clients. She has also held business strategy roles in Asset Management in New York and London. Meera earned a B.A. in English from Tufts University and holds Series 7 and 63 licenses. She is a CFA charterholder. Meera was featured as Market Watch’s “Forecaster of the Month” in February 2020. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631888996395-R2HGU8M88C3KM8GTQMGK/Kevin+%281%29.jpg The New Capital Journal - Join us NEXT FRIDAY for the New Capital 2020 VIRTUAL Annual Conference - Kevin T. Horner The Galligan Law Firm Kevin Horner has a wealth of estate planning, elder law, and estate administration experience, having practiced in these areas for over fifteen years. Kevin works closely with clients to craft estate plans that address concerns such as probate avoidance, tax planning, asset protection, and elder law planning. Kevin’s broad experience also enables him to advise a client with regard to Medicaid and access to long-term care and nursing home benefits. Prior to joining The Galligan Law Firm, Kevin served as Of Counsel and an associate attorney to Pierro, Connor & Strauss, LLC, a New York law firm focusing on estate planning, elder law and estate administration. Before his time at Pierro, Connor & Strauss, Kevin was the principal attorney at the Horner Law Firm, P.C., a suburban law practice in the Pittsburgh area handling estate planning for a variety of clients, including those requiring special needs planning, long-term care and Medicaid planning, asset protection planning, and business succession planning. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1692124872072-6TBYHE9BCWWFUXDBMW1C/image-asset.jpeg The New Capital Journal - Join us NEXT FRIDAY for the New Capital 2020 VIRTUAL Annual Conference - Tonya L. Knauth Tonya L. Knauth, Attorney PLLC Licensed as an attorney in 1996, Tonya started her legal practice working in commercial litigation, while also forging a lifelong commitment to serve many underprivileged clients through pro bono volunteer legal work. In 2012, Tonya started her own solo law practice, focusing on estate planning, probate and guardianships. Tonya earned her Bachelor’s of Business Administration at the University of Texas at Austin, making the Dean’s List and joining Phi Beta Chi women’s business fraternity. She then pursued a Juris Doctorate at the University of Houston Law Center, distinguishing herself in mock trial, moot court, and mediation competitions; receiving awards for her work in evidence and legal research; and being selected as a judicial intern in Harris County District Court. https://www.newcapitalmgmt.com/news/social-security-retirement-benefits-frequently-asked-questions monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/video-fed-forecast-low-rates-ahead monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1603381908901-AEPVENK1VH5356I2GVWL/VIDEO%3A+Fed+Forecast%3A+Low+Rates+Ahead The New Capital Journal - VIDEO: Fed Forecast: Low Rates Ahead https://www.newcapitalmgmt.com/news/market-week-october-19-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1603121551232-XSXTUM7OBBP1CAXH3E0G/Market+Week%3A+October+19%2C+2020 The New Capital Journal - Market Week: October 19, 2020 https://www.newcapitalmgmt.com/news/early-voting-has-begun monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/which-sectors-perform-best-around-an-election-tdazr monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1602779302511-E999IMQ6VXMJ4HLMNB1I/Which+sectors+perform+best+around+an+election%3F The New Capital Journal - Which Sectors Perform Best Around an Election? 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Golub, CFA New Capital Management Leonard Golub is the founder of New Capital Management, a 20-year industry veteran and independent practice pioneer. He is a highly accomplished advisor who works closely with New Capital’s clients in all aspects of their financial planning and lives. He is a CFA (Chartered Financial Analyst) charterholder, a professional member of the Financial Therapy Association, and completed training with the Kinder Institute of Life Planning. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1692125208641-30853VZUXV3G5A2JHIJD/pandit.png The New Capital Journal - Join us for the New Capital 2020 VIRTUAL Annual Conference - Meera Pandit, CFA JP Morgan Chase & Co. Meera Pandit, Executive Director, is a Global Market Strategist on the J.P. Morgan Asset Management Global Market Insights Strategy Team. Meera is responsible for delivering timely market and economic insights to institutional and retail clients, conducting research on the global economy and capital markets, and running economic forecasts. She is also responsible for publications such as the Guide to the Markets, and is a contributor to the J.P. Morgan Long-Term Capital Market Assumptions. Meera is also a frequent guest on Bloomberg, Yahoo! Finance, CNN, and other financial news outlets and is often quoted in the financial press. Meera joined the firm in 2011 as an analyst in J.P. Morgan’s Private Bank in New York, where she served ultra-high and high-net worth clients. She has also held business strategy roles in Asset Management in New York and London. Meera earned a B.A. in English from Tufts University and holds Series 7 and 63 licenses. She is a CFA charterholder. Meera was featured as Market Watch’s “Forecaster of the Month” in February 2020. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631888996395-R2HGU8M88C3KM8GTQMGK/Kevin+%281%29.jpg The New Capital Journal - Join us for the New Capital 2020 VIRTUAL Annual Conference - Kevin T. Horner The Galligan Law Firm Kevin Horner has a wealth of estate planning, elder law, and estate administration experience, having practiced in these areas for over fifteen years. Kevin works closely with clients to craft estate plans that address concerns such as probate avoidance, tax planning, asset protection, and elder law planning. Kevin’s broad experience also enables him to advise a client with regard to Medicaid and access to long-term care and nursing home benefits. Prior to joining The Galligan Law Firm, Kevin served as Of Counsel and an associate attorney to Pierro, Connor & Strauss, LLC, a New York law firm focusing on estate planning, elder law and estate administration. Before his time at Pierro, Connor & Strauss, Kevin was the principal attorney at the Horner Law Firm, P.C., a suburban law practice in the Pittsburgh area handling estate planning for a variety of clients, including those requiring special needs planning, long-term care and Medicaid planning, asset protection planning, and business succession planning. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1692124872072-6TBYHE9BCWWFUXDBMW1C/image-asset.jpeg The New Capital Journal - Join us for the New Capital 2020 VIRTUAL Annual Conference - Tonya L. Knauth Tonya L. Knauth, Attorney PLLC Licensed as an attorney in 1996, Tonya started her legal practice working in commercial litigation, while also forging a lifelong commitment to serve many underprivileged clients through pro bono volunteer legal work. In 2012, Tonya started her own solo law practice, focusing on estate planning, probate and guardianships. Tonya earned her Bachelor’s of Business Administration at the University of Texas at Austin, making the Dean’s List and joining Phi Beta Chi women’s business fraternity. She then pursued a Juris Doctorate at the University of Houston Law Center, distinguishing herself in mock trial, moot court, and mediation competitions; receiving awards for her work in evidence and legal research; and being selected as a judicial intern in Harris County District Court. https://www.newcapitalmgmt.com/news/the-current-food-crisis-in-america monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1601048812457-ZJVBXQ688QTNWUDCWUVP/Current+Food+Crisis+in+America The New Capital Journal - The Current Food Crisis in America: Helping for Short and Long-Term Needs https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1601048746656-3A5TMTP1A0BZNKRX1MFJ/The+Current+Food+Crisis+in+America The New Capital Journal - The Current Food Crisis in America: Helping for Short and Long-Term Needs https://www.newcapitalmgmt.com/news/market-week-september-21-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1600698319516-PUQ0QDX88GKKH998SXCS/Market+Week%3A+September+21%2C+2020 The New Capital Journal - Market Week: September 21, 2020 https://www.newcapitalmgmt.com/news/is-the-stock-market-divorced-from-reality monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1600228248618-VHKWKFW9DVCRHRPJZETM/Is+the+Stock+Market+Divorced+From+Reality1 The New Capital Journal - Is the Stock Market Divorced From Reality? https://www.newcapitalmgmt.com/news/temporary-payroll-tax-deferral-what-you-need-to-know monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-week-september-14-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1600093571905-22OI477HUL478QOQWE8K/Market+Week%3A+September+14%2C+2020 The New Capital Journal - Market Week: September 14, 2020 https://www.newcapitalmgmt.com/news/envisioning-a-post-pandemic-future monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599755098732-3LBHMBLAPRWASN352HKW/Envisioning+a+Post-Pandemic+Future The New Capital Journal - Envisioning a Post-Pandemic Future https://www.newcapitalmgmt.com/news/when-to-update-your-estate-plan monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - When to Update your Estate Plan? Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/foreign-stocks-lost-decade monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599839547078-FC1L79W8BEZL13W4XYV9/Exhibit+1.png The New Capital Journal - Foreign Stocks' Lost Decade https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599839560514-GDRO98P6QX2T19IA6BNS/Exhibit-2.png The New Capital Journal - Foreign Stocks' Lost Decade https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599839639382-U3JMDRJDZTHEFYMG04MW/Exhibit-3.png The New Capital Journal - Foreign Stocks' Lost Decade https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599839797363-VC2HIM56QHL7G2OP3JVI/Exhibit-4.png The New Capital Journal - Foreign Stocks' Lost Decade https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599839933022-YM8WD4E8RWDGOHATC1EP/Exhibit-5.png The New Capital Journal - Foreign Stocks' Lost Decade https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599840022685-37EBBW1P3OXMTNG1Q194/Exhibit-6.png The New Capital Journal - Foreign Stocks' Lost Decade https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599840177495-72XYGLOFO972NS62GJ4L/Exhibit-7.png The New Capital Journal - Foreign Stocks' Lost Decade https://www.newcapitalmgmt.com/news/market-week-september-8-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599575708409-O7RDN36KUYFVO1J9FVLN/Market+Week%3A+September+8%2C+2020 The New Capital Journal - Market Week: September 8, 2020 https://www.newcapitalmgmt.com/news/webinar-current-market-update monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/avoiding-a-long-term-financial-crisis-after-covid-19 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599147800664-Y5TK5J17OY8MAXSEWQI4/Avoiding+a+Long-Term+Financial+Crisis+After+COVID-19 The New Capital Journal - Avoiding a Long-Term Financial Crisis After COVID-19 https://www.newcapitalmgmt.com/news/the-bull-is-back-will-it-keep-charging monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1599076958492-YNVHXZR86TP01OGK4NGO/The+Bull+Is+Back+Will+It+Keep+Charging%3F The New Capital Journal - The Bull Is Back... Will It Keep Charging? https://www.newcapitalmgmt.com/news/market-week-august-31-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598885830947-U7X1KF750EXJUKK99VOZ/Market+Week%3A+August+31%2C+2020 The New Capital Journal - Market Week: August 31, 2020 https://www.newcapitalmgmt.com/news/mortgage-rates monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598627835700-B9ICN5R4JY2AQ0LTDZSE/LG+-+1x1.jpg The New Capital Journal - Mortgage Rates https://www.newcapitalmgmt.com/news/where-do-we-stand-in-the-economic-recovery monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1598542534933-4GYU66ILG3HMFWCU2K0Z/Where+do+we+stand+in+the+economic+recovery%3F The New Capital Journal - Where do we stand in the economic recovery? https://www.newcapitalmgmt.com/news/estate-planning-with-a-business monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - 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Plan Sponsors: Coronavirus Relief Measures https://www.newcapitalmgmt.com/news/medicare-basics-what-to-know monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Medicare Basics: What to Know Kevin Horner Galligan & Manning https://www.newcapitalmgmt.com/news/market-week-august-17-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597673849568-UAJOFJKGNZXUPNPSO3YU/Market+Week%3A+August+17%2C+2020 The New Capital Journal - Market Week: August 17, 2020 https://www.newcapitalmgmt.com/news/summer-road-trip-2020-part-3-telluride-to-columbus monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509871617-KOHEU3ZTVCBLMZQ6PM35/IMG_2135.JPG The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509946811-K6AXERBEJ74Z0HHAG4DT/IMG_2080.JPG The New Capital Journal - 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Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509111789-BC4EVUYKSIGL8AP6XH9T/IMG_2166.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509112584-T5371RY1129WT67PNL5N/IMG_2204.JPG The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509113278-VK00B7T0IJX0TM9EXY03/IMG_2159.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509115721-50W6IKQ94L896RCBBPN9/IMG_2116.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509118439-BUV8AFPYYFHXSFQ10Q37/IMG_2156.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509119610-BT00YSQ9RM5CEMQENRMP/IMG_2150.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509120464-BFPWUKTYYXE0F2RJ257Z/IMG_2182.JPG The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509120256-HEOL7PX0FWAOWF2D6B4D/IMG_2188.JPG The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509122253-BV2GE0YN2TXHPDDKRB3I/IMG_2168.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509122720-RQSENDSQA458XPJHN2F4/IMG_2040.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509123081-UTQ8SEZ7UY239BJ4PKNF/IMG_2058.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509124983-HJJ0HGUC53WTVO20VQG1/IMG_2096.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597509124693-ZHM2W7V0ZBKZTVM3GCX0/IMG_2038.jpg The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578691231494-UNKZ2S9NSWXGCV3U3BLV/Leonard+Golub+Financial+Advisor The New Capital Journal - Summer Road Trip 2020 Part 3: Telluride to Columbus TX https://www.newcapitalmgmt.com/news/supporting-racial-equity monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597155858679-PVKZZHP3YR13N5QYWKNW/Racial-Equity---thumbnail.gif The New Capital Journal - Supporting Racial Equity https://www.newcapitalmgmt.com/news/fidelity-debit-card-text-alerts monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1547148307919-9XQYL0TSZTOML6B2C79G/JC+-+1x1.jpg The New Capital Journal - Fidelity Debit Card Text Alerts https://www.newcapitalmgmt.com/news/david-booth-on-value-and-values monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-week-august-10-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1597079020041-HT09FGXOAEDTHJGGLT5Q/Market+Week%3A+August+10%2C+2020 The New Capital Journal - Market Week: August 10, 2020 https://www.newcapitalmgmt.com/news/ways-to-give-beirut-explosion monthly 0.5 2026-02-04 https://www.newcapitalmgmt.com/news/understanding-the-4-key-annuities-types monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1596739032582-N9SYX6P5Z54QF5Y72XVR/Understanding+the+4+Key+Annuities+Types The New Capital Journal - Understanding the 4 Key Annuities Types https://www.newcapitalmgmt.com/news/market-week-august-3-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1596559637873-JGGPHPELCHDN0CTGVUKH/Market+Week%3A+August+3%2C+2020 The New Capital Journal - Market Week: August 3, 2020 https://www.newcapitalmgmt.com/news/dynamic-spending-a-better-way-to-budget-in-retirement monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1596726089857-MT1RIHGPFX864CNQL0YV/Dynamic+Spending.png The New Capital Journal - Dynamic spending: A better way to budget in retirement https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1596727248549-YV7HWDHLLO00V8H3MMSL/image-asset.png The New Capital Journal - Dynamic spending: A better way to budget in retirement https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1596727339741-ISNP70EYX8QOL837E4TV/Dynamic+Spending3.png The New Capital Journal - Dynamic spending: A better way to budget in retirement Notes: This illustration does not represent the investment results of any particular portfolio. The figure shows a hypothetical three-year example of a spending strategy using the "percentage of portfolio with ceiling and floor" method. Here, the Year 2 spending amount is constrained by the ceiling rule, while Year 3's spending amount is constrained by neither the ceiling nor the floor. The blue lines emphasize which of the three calculated amounts should be used as each year's spending withdrawal. Source: From assets to income: A goals-based approach to retirement spending. (Jaconetti, DiJoseph, Kinniry Jr.,Pakula, and Lobel, 2020.) https://www.newcapitalmgmt.com/news/social-security-from-a-divorced-spouse monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593624873715-6I9B1BOV6BDI1LGL3UNO/galligan.m.jpg The New Capital Journal - Social Security From a Divorced Spouse Mary Galligan Gallican & Manning https://www.newcapitalmgmt.com/news/irs-clarifies-covid-19-relief-measures-for-retirement-saversx monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595988064576-VNG46QI2N0A5UWPBIVBD/IRS+Clarifies+COVID-19+Relief+Measures+for+Retirement+Savers The New Capital Journal - IRS Clarifies COVID-19 Relief Measures for Retirement Savers https://www.newcapitalmgmt.com/news/market-week-july-27-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595881671623-KHW74USS2C73UFM8ZLD9/Market+Week%3A+July+27%2C+2020 The New Capital Journal - Market Week: July 27, 2020 https://www.newcapitalmgmt.com/news/summer-road-trip-2020-part-2-breckenridge-to-mesa-verde monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816468848-PM4L2FVE65YYHW62DMM4/IMG_1824.JPG The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816468708-M61EXWDWQTB3WZPZD61W/IMG_1840.JPG The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816471862-T9DPGIPV7M2J4V70KR25/IMG_1925.JPG The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816472419-T0TOOGT1JG1VY1R9T13B/IMG_1974.JPG The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816473839-9NFX7S7B5U2K2FHVIMUW/IMG_2003.JPG The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816590894-06BVRAN6DDCW2OOTXFQ9/IMG_2010.jpg The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816590613-3XMSCO9AQCCGYVJHE2H1/IMG_2025.JPG The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816592774-LKX93QZNLJK6I96B8TAV/IMG_1776.JPG The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816593053-G07H949ATZ5TZ1TX51QR/IMG_1803.jpg The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816595456-XUED2Q0YVC0W5J0YPH2S/IMG_1874.jpg The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816595295-AY4HO7M9TECYQGCSAQ02/IMG_1877.JPG The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595816596137-IIAW3JO1PT997KHNPWLI/IMG_1902.jpg The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578691231494-UNKZ2S9NSWXGCV3U3BLV/Leonard+Golub+Financial+Advisor The New Capital Journal - Summer Road Trip 2020 Part 2: Breckenridge to Mesa Verde https://www.newcapitalmgmt.com/news/is-the-us-recession-over monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595611914964-C0S4MB1LSR4XTT7IEYNV/Is+the+U.S.+recession+over%3F The New Capital Journal - Is the U.S. recession over? https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595611641712-QV707X07TV8N4CVQ4O9R/Is+the+U.S.+recession+over%3F The New Capital Journal - Is the U.S. recession over? https://www.newcapitalmgmt.com/news/irs-outlines-changes-to-health-care-spending-rules-under-cares-act monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595392255627-T4NWURQW7KMEGASV19KL/IRS+Outlines+Changes+to+Health-Care+Spending+Rules+Under+CARES+Act The New Capital Journal - IRS Outlines Changes to Health-Care Spending Rules Under CARES Act https://www.newcapitalmgmt.com/news/market-week-july-20-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595258059888-GL3UZM2J15BF386HBESC/Market+Week%3A+July+20%2C+2020 The New Capital Journal - Market Week: July 20, 2020 https://www.newcapitalmgmt.com/news/2020-midyear-outlook monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1595008868338-ATZXX06C3ZXU980KV9F2/2020+Midyear+Outlook The New Capital Journal - 2020 Midyear Outlook https://www.newcapitalmgmt.com/news/the-shape-of-economic-recovery monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594758468238-135BL7H89LSAKHYCJZ1G/The+Shape+of+Economic+Recovery The New Capital Journal - The Shape of Economic Recovery https://www.newcapitalmgmt.com/news/market-week-july-13-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594661894425-LNLCZL1F8R29KM2TN3N9/Market+Week%3A+July+13%2C+2020 The New Capital Journal - Market Week: July 13, 2020 https://www.newcapitalmgmt.com/news/summer-2020-roadtrip-part-1 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594560586375-WNBYVWEO11FS7J5JKQYP/IMG_5573.JPG The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594560486967-AXCG0Q9PIMFG3UDE5110/IMG_5566.JPG The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594560483933-EREW0PMM4VKAFJV0PIDT/IMG_5567.JPG The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594560487325-YQC5KBXOSJQVOYS0OWUB/IMG_5568+-+resize.jpg The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594560496269-8YZVM2DCUTPBVY7HWZ1I/IMG_5569.JPG The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594560499291-4V4II359OAFCAB1TLPJY/IMG_5570.JPG The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594560505516-IF68GNSA497K91RTTE61/IMG_5571.JPG The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594560506723-KL10AYYDRMCFCRFZ2SNK/IMG_5572.JPG The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594562456245-FDYWC1NDNXTSLFNV2M5A/IMG_1339.jpg The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594562455973-3JTIARDRM4Q67WHMQL2J/IMG_1531.jpg The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594562466966-OY1NYVS0VIAG6OHF0Y0V/IMG_1580.jpg The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594562470470-GE718Q0UDCPOOZR71OX9/IMG_1589.jpg The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594562481554-2LM6E9XI4UQ277MUC3FX/IMG_1610.JPG The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578691231494-UNKZ2S9NSWXGCV3U3BLV/Leonard+Golub+Financial+Advisor The New Capital Journal - Summer 2020 Roadtrip - Part 1: Columbus, TX to Breckenridge, CO https://www.newcapitalmgmt.com/news/q2-market-review monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594559190718-NRKWQ07IUE6O4M86DP9U/Q2+Thumbnail.png The New Capital Journal - Q2 Market Review https://www.newcapitalmgmt.com/news/long-term-care-costs-going-up-due-to-covid-19 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594427772546-X9ATTZW2OPYR0M9XEZW0/picKevin-Horner.jpg The New Capital Journal - Long Term Care Costs Going Up Due to COVID-19? Kevin Horner, Galligan & Manning https://www.newcapitalmgmt.com/news/july-15-due-date-approaches-for-federal-income-tax-returns-and-payments monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594347342930-D437OIWU64XAQGXBQ80S/July+15+Due+Date+Approaches+for+Federal+Income+Tax+Returns+and+Payments The New Capital Journal - July 15 Due Date Approaches for Federal Income Tax Returns and Payments https://www.newcapitalmgmt.com/news/market-week-july-6-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1594135501094-U2F6TZY5FSLT03S3RNZP/Market+Week%3A+July+6%2C+2020 The New Capital Journal - Market Week: July 6, 2020 https://www.newcapitalmgmt.com/news/esg-funds-setting-a-record-pace-for-launches-in-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593799172455-H6VNAFNWCUM5SFW6GNB8/ESG+Funds+2020.png The New Capital Journal - ESG Funds Setting a Record Pace for Launches in 2020 Source: Morningstar Direct. Data as of 6/23/20. Note 38 open-end funds were launched between 1971 and 2004. The earliest ETF launch was in 2005. *Counts the Natixis Sustainable Future target-date series as one fund rather than 10. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593799536004-OGED62ZH7R1MAC7PQ8F5/ESG-Funds---2.gif The New Capital Journal - ESG Funds Setting a Record Pace for Launches in 2020 Source: Morningstar Direct https://www.newcapitalmgmt.com/news/things-you-should-not-keep-in-your-safe-deposit-box monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593624873715-6I9B1BOV6BDI1LGL3UNO/galligan.m.jpg The New Capital Journal - Things You Should Not Keep in Your Safe Deposit Box Mary Galligan, Galligan & Manning https://www.newcapitalmgmt.com/news/form-crs monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593750043548-4C0BVLX0D1A2BRKQDK6K/LG+-+1x1.jpg The New Capital Journal - Form CRS https://www.newcapitalmgmt.com/news/market-week-june-29-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593451746572-K8I86V5B4FQUFBKEK68N/Market+Week%3A+June+29%2C+2020 The New Capital Journal - Market Week: June 29, 2020 https://www.newcapitalmgmt.com/news/additional-guidelines-for-unwanted-rmds-under-the-cares-act monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1547148307919-9XQYL0TSZTOML6B2C79G/JC+-+1x1.jpg The New Capital Journal - Additional Guidelines for Unwanted RMD's under the CARES Act https://www.newcapitalmgmt.com/news/large-and-in-charge-giant-firms-atop-market-is-nothing-new monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593033673379-MNZSZKEUJ5KSU1VI7PS6/Large+and+In+Charge%3F+Giant+Firms+atop+Market+Is+Nothing+New. The New Capital Journal - Large and In Charge? Giant Firms atop Market Is Nothing New. Past performance, including hypothetical performance, is not a guarantee of future results. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593034779419-0U6SF0X1ILG5YXEZ4QC7/Large+and+In+Charge%3F The New Capital Journal - Large and In Charge? Giant Firms atop Market Is Nothing New. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593033833053-WBXQBBIA604FPYQR4GZL/Giant+Firms The New Capital Journal - Large and In Charge? Giant Firms atop Market Is Nothing New. https://www.newcapitalmgmt.com/news/social-security-and-medicare-face-financial-challenges monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1593015337909-RQT6F7PMQ6QJQ5R3VI08/Social+Security+and+Medicare+Face+Financial+Challenges The New Capital Journal - Social Security and Medicare Face Financial Challenges https://www.newcapitalmgmt.com/news/market-week-june-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1592835865188-RBUPP997UA63IYGYBE5Y/June+22%2C+2020 The New Capital Journal - Market Week: June 22, 2020 https://www.newcapitalmgmt.com/news/home-bias-overcoming-biases-against-global-stock-investing monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1592838913194-3J0RKY9X8RQ7N335MWP6/Screen+Shot+2020-06-22+at+10.15.03+AM.png The New Capital Journal - Home Bias: Overcoming Biases Against Global Stock Investing Notes: The U.S. portion of the global stock market is represented by the MSCI USA Index; the non-U.S. portion of the market is represented by the MSCI World ex USA Index from 1969 through 1987 and the MSCI All Country World Index ex USA thereafter. Last observation: December 31, 2018. Sources: Vanguard, MSCI, and Thomas Reuters Datastream https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1592839074866-MZ14OX8JTZ4KK92N08JF/Screen+Shot+2020-06-22+at+10.17.45+AM.png The New Capital Journal - Home Bias: Overcoming Biases Against Global Stock Investing Notes: U.S. and international stock market sector mixes are represented by the CRSP US Total Market Index and the FTSE Global All Cap ex US Index, respectively. Data as of December 31, 2018. https://www.newcapitalmgmt.com/news/market-week-june-15-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1592241362007-04JQ46VKBTGF0SA3CRZZ/Market+Week%3A+June+15%2C+2020 The New Capital Journal - Market Week: June 15, 2020 https://www.newcapitalmgmt.com/news/new-capital-2020-intern-jeffrey-li monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591974038962-JAU7WT0O8EFLJM2JQCJS/IMG_5418.jpg The New Capital Journal - New Capital 2020 Intern: Jeffrey Li https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591972571310-SFK82FLR0IRPDDZF2X1O/Global-Energy-Mix.gif The New Capital Journal - New Capital 2020 Intern: Jeffrey Li https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591990265273-3LPNLZYXYB50R9IXFFGY/Wealthtech.jpg The New Capital Journal - New Capital 2020 Intern: Jeffrey Li https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591990616924-V0VN80OO24M67MA5EK9M/life+expectancy.png The New Capital Journal - New Capital 2020 Intern: Jeffrey Li https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591990928301-KU9NTOYLADR00EY5JV9I/tax-burdens.gif The New Capital Journal - New Capital 2020 Intern: Jeffrey Li https://www.newcapitalmgmt.com/news/will-the-fed-cause-inflation monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591814773552-UXBNATH70N7ZK44F3K9V/Fed+Inflation.png The New Capital Journal - Will the Fed cause inflation? Source: BEA, FactSet, Federal Reserve System, J.P. Morgan Asset Management. Data are as of May 19, 2020. https://www.newcapitalmgmt.com/news/dimensional-2020-matrix-book monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591806964170-6PXSVDQKK7ZBNNAHQ3MK/Matrix+Book+2020.png The New Capital Journal - Dimensional 2020 Matrix Book https://www.newcapitalmgmt.com/news/us-government-sends-millions-of-economic-impact-payments-by-prepaid-debit-card monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591768220133-AM981YZ76CJIAEMITS4J/Economic+Impact+Payments The New Capital Journal - U.S. Government Sends Millions of Economic Impact Payments by Prepaid Debit Card https://www.newcapitalmgmt.com/news/market-week-may-18-7tjfb monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591626447368-7PSCMN9VRXST178LKROJ/Screen+Shot+2020-06-08+at+9.27.10+AM.png The New Capital Journal - Market Week: June 8, 2020 https://www.newcapitalmgmt.com/news/affliction monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Affliction https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591407700203-XWUQ3BLCO46PQ1UW972H/Abby+Protest.png The New Capital Journal - Affliction Abby Golub (15), demonstrating for equal justice under law. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578691231494-UNKZ2S9NSWXGCV3U3BLV/Leonard+Golub+Financial+Advisor The New Capital Journal - Affliction https://www.newcapitalmgmt.com/news/diversification-can-feel-disappointing monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591292588325-QW715AXIQVSLJFG49T5U/Diversification+Can+Feel+Disappointing The New Capital Journal - Diversification Can Feel Disappointing https://www.newcapitalmgmt.com/news/speculating-on-a-covid-19-cure monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591290864273-QDZ5LGVM80ZGMN16BT3V/cdc-5gUNHmQ0xE8-unsplash.jpg The New Capital Journal - Think Twice Before Speculating on a COVID-19 Cure https://www.newcapitalmgmt.com/news/webinar-recording-fixed-income-bonds-in-a-covid-world-may-29-2020 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-week-may-11-2020-rzn4n monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1591024087614-8FG46P80FMM6GGRL3G12/Market+Week%3A+June+1%2C+2020 The New Capital Journal - Market Week: June 1, 2020 https://www.newcapitalmgmt.com/news/david-booth-on-righting-the-ship monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/2019-ira-contribution-deadline-has-been-extended monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590599057605-OKSD1JA1IC35S8DAIBG2/2019+IRA+Contribution+Deadline+Has+Been+Extended The New Capital Journal - 2019 IRA Contribution Deadline Has Been Extended https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590598810808-49XODRAEWGW7G1R9ZFWQ/2019+IRA+Contribution+Deadline+Has+Been+Extended The New Capital Journal - 2019 IRA Contribution Deadline Has Been Extended https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590598874306-SOG8K60URGIKFJ65M39Q/2019+IRA+Contribution+Deadline+Has+Been+Extended2 The New Capital Journal - 2019 IRA Contribution Deadline Has Been Extended https://www.newcapitalmgmt.com/news/market-week-may-26-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590513678971-21EHHC2AUV1EB3I1EKVX/Market+Week%2C+May+22%2C+2020 The New Capital Journal - Market Week: May 26, 2020 https://www.newcapitalmgmt.com/news/life-changes monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Life Changes https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Life Changes https://www.newcapitalmgmt.com/news/retiree-confidence-drops-in-2020-as-some-workers-worry monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590091586013-0ZOBG8WFSMMXL7E3IFNT/Retiree+Confidence+Drops+in+2020%2C+As+Some+Workers+Worry The New Capital Journal - Retiree Confidence Drops in 2020, As Some Workers Worry https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590091228607-4OSSQ2JHSYLMIKMM86U9/Retiree+Confidence+Drops+in+2020%2C+As+Some+Workers+Worry The New Capital Journal - Retiree Confidence Drops in 2020, As Some Workers Worry https://www.newcapitalmgmt.com/news/spread-the-word-whats-new-with-valuation-ratios monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590070388832-KIXDVJXJXWSPTGVXGHEQ/valuation-ratios-1.gif The New Capital Journal - Spread the Word: What’s New with Valuation Ratios Past performance, including hypothetical performance, is not a guarantee of future results. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590070405569-LERJU1TYGUZG68P1047F/valuation-ratios-2.gif The New Capital Journal - Spread the Word: What’s New with Valuation Ratios https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590070421078-1M0AFCRTXIIWLRK8MRPO/valuation-ratios-3.gif The New Capital Journal - Spread the Word: What’s New with Valuation Ratios https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1590070435696-IZWUL7Y73QU3EU6IZC1L/valuation-ratios-4.gif The New Capital Journal - Spread the Word: What’s New with Valuation Ratios Source: CRSP, Compustat, and Bloomberg. Aggregate price-to-book value computed as the inverse of the weighted average book-to-current month to date market value. Size definitions: Stocks sorted using market equity as of each June. In the US, small caps and large caps are defined relative to the median market capitalization of stocks listed on the NYSE. In non-US developed markets, large cap and small cap represent the top 90% and bottom 10%, respectively, of aggregate market capitalization. In emerging markets, large cap and small cap represent the top 90% and bottom 10%, respectively, of aggregate market capitalization within each country. Value definitions: Stocks are sorted on book-to-market ratio each June, where book-to-market for year t is computed using the book equity for the last fiscal year-end in t-1, divided by market equity for December of t-1. In the US, value and growth are stocks with book-to-market ratios above and below the 70th and 30th percentiles for NYSE stocks, respectively. In non- US developed markets, value and growth are stocks with book-to-market ratios above and below the 70th and 30th percentiles for large cap stocks in each region (Japan, Asia Pacific ex Japan, Canada, and Europe). In emerging markets, value and growth are stocks with book-to-market ratios above and below the 70th and 30th percentiles for large cap stocks in each country. https://www.newcapitalmgmt.com/news/market-week-may-18 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1589811644207-LR9X9BG9QNY7733ETGZA/Screen+Shot+2020-05-18+at+9.20.22+AM.png The New Capital Journal - Market Week: May 18, 2020 https://www.newcapitalmgmt.com/news/coronavirus-affects-federal-state-and-local-deadlines monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1589476725456-J1SNFX8436938NH26F92/Coronavirus+Affects+Federal%2C+State%2C+and+Local+Deadlines The New Capital Journal - Coronavirus Affects Federal, State, and Local Deadlines https://www.newcapitalmgmt.com/news/the-bumpy-road-to-the-markets-long-term-average monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1589390728435-ARRK3RXMP6WAVVIPG8NM/The+Bumpy+Road The New Capital Journal - The Bumpy Road to the Market’s Long-Term Average Past performance, including hypothetical performance, is not a guarantee of future results. https://www.newcapitalmgmt.com/news/too-much-oil-with-nowhere-to-go monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1589389979665-5K8WO64Y4V1SQ57V6K7S/Too+Much+Oil+With+Nowhere++To+Go The New Capital Journal - Too Much Oil with Nowhere to Go https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1589389818076-38ZBLY4M00BMZXPMFPCR/Too+Much+Oil+With+Nowhere+To+Go The New Capital Journal - Too Much Oil with Nowhere to Go https://www.newcapitalmgmt.com/news/market-week-may-11-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1589209301321-IG2YJJWKGSKGHDA2LZ38/Screen+Shot+2020-05-11+at+10.01.06+AM.png The New Capital Journal - Market Week: May 11, 2020 https://www.newcapitalmgmt.com/news/market-week-may-4-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1588605246462-ICHMMBIRQ5M8UPL1S92R/Market+Week%2C+May+4%2C+2020 The New Capital Journal - Market Week: May 4, 2020 https://www.newcapitalmgmt.com/news/small-businesses-eligible-for-numerous-relief-programs-during-covid-19-crisis monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1588183788735-N8VXI2YNGGNTNJFTBHX9/Small+Businesses+Eligible+for+Numerous+Relief+Programs+During+COVID-19+Crisis The New Capital Journal - Small Businesses Eligible for Numerous Relief Programs During COVID-19 Crisis https://www.newcapitalmgmt.com/news/webinar-recording-special-markets-update-2020-7 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/april-27-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1588010272677-OZ4S1QS1NO0LOOBN3U26/Screen+Shot+2020-04-27+at+12.57.32+PM.png The New Capital Journal - Market Week: April 27, 2020 https://www.newcapitalmgmt.com/news/long-term-investors-dont-let-a-recession-faze-you monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1587665027250-VQYL6T4OAJ8FM76PCCSG/Downturns+Then+Upturns.png The New Capital Journal - Long-Term Investors, Don’t Let a Recession Faze You Past performance, including hypothetical performance, is not a guarantee of future results. https://www.newcapitalmgmt.com/news/giving-guidance-for-coronavirus monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-week-april-20-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1587403239145-DYLPO9HISHQ7JA26S1HD/Screen+Shot+2020-04-20+at+12.20.24+PM.png The New Capital Journal - Market Week: April 20, 2020 https://www.newcapitalmgmt.com/news/scammers-on-the-rise monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1547148307919-9XQYL0TSZTOML6B2C79G/JC+-+1x1.jpg The New Capital Journal - Scammers on the Rise https://www.newcapitalmgmt.com/news/cares-act-retirement-plan-relief-provisions monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1586982529520-0AMC89UVINDH13AKSRLQ/CARES+Act%3A+Retirement+Plan+Relief+Provisions The New Capital Journal - CARES Act: Retirement Plan Relief Provisions https://www.newcapitalmgmt.com/news/webinar-recording-special-markets-update-2020-6 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-week-april-13-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1586802183975-YVJUKSEAUCK2DC7DZLTO/MARKET+WEEK%3A+APRIL+13%2C+2020 The New Capital Journal - Market Week: April 13, 2020 https://www.newcapitalmgmt.com/news/q1-market-review monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1586539894904-LQXC4L6SYNXYUH8K3HHQ/Q1+-+thumbnail.jpg The New Capital Journal - Q1 Market Review https://www.newcapitalmgmt.com/news/government-acts-to-blunt-financial-impact-of-global-pandemic monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1586450423547-05Y90LC0GVLV9IJH4ZUB/Government+Acts+to+Blunt+Financial+Impact+of+Global+Pandemic The New Capital Journal - Government Acts to Blunt Financial Impact of Global Pandemic https://www.newcapitalmgmt.com/news/coping-with-market-volatility-continuing-to-invest-may-help-you-stay-on-course monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1586293468064-QSC8DNR02KHL2H8SXOM5/Coping+with+Market+Volatility%3A+Continuing+to+Invest+May+Help+You+Stay+on+Course The New Capital Journal - Coping with Market Volatility: Continuing to Invest May Help You Stay on Course https://www.newcapitalmgmt.com/news/webinar-recording-special-markets-update-2020-5 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-week-april-6-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1586196035152-E1CZOUK77HCB1NOAKVA1/Screen+Shot+2020-04-06+at+1.00.19+PM.png The New Capital Journal - Market Week: April 6, 2020 https://www.newcapitalmgmt.com/news/cares-act-provides-relief-to-individuals-and-businesses monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1585760926768-8PVV7AKFWHVCLR6E13Y7/CARES+Act+Provides+Relief+to+Individuals+and+Businesses The New Capital Journal - CARES Act Provides Relief to Individuals and Businesses https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1585760787468-KFY8VFQPNHQW6SVBTNZA/CARES+Act+Provides+Relief+to+Individuals+and+Businesses The New Capital Journal - CARES Act Provides Relief to Individuals and Businesses https://www.newcapitalmgmt.com/news/irs-has-extended-2019-ira-and-hsa-contributions monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1547148307919-9XQYL0TSZTOML6B2C79G/JC+-+1x1.jpg The New Capital Journal - IRS has extended 2019 IRA and HSA Contributions https://www.newcapitalmgmt.com/news/webinar-recording-special-markets-update-2020-4 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-week-march-30-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1585589493377-ZAF2H78KAZAHMWXS349U/MARKET+WEEK%3A+MARCH+30%2C+2020 The New Capital Journal - Market Week: March 30, 2020 https://www.newcapitalmgmt.com/news/coping-with-market-volatility-avoid-rash-decisions monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1585589221905-A4B1NCHRV75I3404SG5J/Coping+with+Market+Volatility%3A+Avoid+Rash+Decisions The New Capital Journal - Coping with Market Volatility: Avoid Rash Decisions https://www.newcapitalmgmt.com/news/personal-loans-avoiding-financial-complications monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1585158658735-ISUBA23JDAK328HNRXGO/alexander-mils-lCPhGxs7pww-unsplash.jpg The New Capital Journal - Personal Loans: Avoiding Financial Complications https://www.newcapitalmgmt.com/news/due-date-for-federal-income-tax-returns-and-payments-postponed-to-july-15 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1585185620252-IESKSUV4767C44R5K5CR/Due+Date+for+Federal+Income+Tax+Returns+and+Payments+Postponed+to+July+15 The New Capital Journal - Due Date for Federal Income Tax Returns and Payments Postponed to July 15 https://www.newcapitalmgmt.com/news/federal-student-loan-borrowers-get-some-relief-due-to-covid-19 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1585068849364-GA2XETT0CDZSJONIQM1Y/Federal+Student+Loan+Borrowers+Get+Some+Relief+Due+to+COVID-19 The New Capital Journal - Federal Student Loan Borrowers Get Some Relief Due to COVID-19 https://www.newcapitalmgmt.com/news/fidelity-mobile-deposit-limits-increased monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1547148307919-9XQYL0TSZTOML6B2C79G/JC+-+1x1.jpg The New Capital Journal - Fidelity Mobile Deposit Limits Increased https://www.newcapitalmgmt.com/news/webinar-recording-special-markets-update-2020-3 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/bear-markets-come-and-go monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1584987584711-BMJ48JVW48O3EJPTRB61/Bear%2BMarkets%2BCome%2Band%2BGo The New Capital Journal - Bear Markets Come and Go https://www.newcapitalmgmt.com/news/market-week-march-23-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1584986384433-81Q1Z7Q7LL391MMT9J6G/MARKET+WEEK%3A+MARCH+23%2C+2020 The New Capital Journal - Market Week: March 23, 2020 https://www.newcapitalmgmt.com/news/webinar-recording-special-markets-update-2020-2 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/money-markets-and-the-low-rate-environment monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1547148307919-9XQYL0TSZTOML6B2C79G/JC+-+1x1.jpg The New Capital Journal - Money Markets and the Low Rate Environment https://www.newcapitalmgmt.com/news/market-week-march-16-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1584386857227-OFBY6WVJTQNU4U1X9QCD/MARKET+WEEK%3A+MARCH+16%2C+2020 The New Capital Journal - Market Week: March 16, 2020 https://www.newcapitalmgmt.com/news/webinar-recording-special-markets-update monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/market-week-march-9-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1583773625909-DF5JN0EXUVZNSLBRAA8L/MARKET+WEEK%3A+MARCH+9%2C+2020 The New Capital Journal - Market Week: March 9, 2020 https://www.newcapitalmgmt.com/news/coronavirus-concerns-consider-past-health-crises monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1583426696195-O1NYX7EMP02CJB7FBZPB/Coronavirus+Concerns%3F+Consider+Past+Health+Crises The New Capital Journal - Coronavirus Concerns? Consider Past Health Crises https://www.newcapitalmgmt.com/news/keeping-your-business-in-the-family monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/market-week-march-2-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1583174871006-31LPM3XO8IZXKNGVXQNE/Market+Week%3A+March+2%2C+2020 The New Capital Journal - Market Week: March 2, 2020 https://www.newcapitalmgmt.com/news/coronavirus-thoughts monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Coronavirus Thoughts https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1582918442918-3X06LYYDYQPZRKFIVUW4/Coronavirus+stats.jpg The New Capital Journal - Coronavirus Thoughts https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578691231494-UNKZ2S9NSWXGCV3U3BLV/Leonard+Golub+Financial+Advisor The New Capital Journal - Coronavirus Thoughts https://www.newcapitalmgmt.com/news/the-coronavirus-and-the-global-economy monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1582764638063-94FGQZSPYRZQEBT787FW/The+Coronavirus+and+the+Global+Economy The New Capital Journal - The Coronavirus and the Global Economy https://www.newcapitalmgmt.com/news/market-week-february-24-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1582572325878-E8YBNPMYHV74PFHQAYLX/MARKET+WEEK%3A+FEBRUARY+24%2C+2020 The New Capital Journal - Market Week: February 24, 2020 https://www.newcapitalmgmt.com/news/2019-client-satisfaction-survey monthly 0.5 2026-02-02 https://www.newcapitalmgmt.com/news/bond-study-confirms-investment-approach-and-offers-new-insight monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1581707047676-8A5JTKKRH0RR2316L2TS/Bond+Study+Confirms+Investment+Approach+and+Offers+New+Insight The New Capital Journal - Bond Study Confirms Investment Approach and Offers New Insight https://www.newcapitalmgmt.com/news/market-week-february-18-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1582057640011-L99MK11C9LQ67W4AG492/Market+Week%3A+February+18%2C+2020 The New Capital Journal - Market Week: February 18, 2020 https://www.newcapitalmgmt.com/news/market-week-february-10-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1581707899534-2QRHRGVR0E0AXQHXT5JG/Market+Week%3A+February+10%2C+2020 The New Capital Journal - Market Week: February 10, 2020 https://www.newcapitalmgmt.com/news/webinar-recording-looking-back-at-2019-ahead-to-2020 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/yields-of-dreams-a-closer-look-at-dividends monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1581010809884-9D5BVGOPJTYY4N1WGWR9/Yields+of+Dreams%3A+A+Closer+Look+at+Dividends The New Capital Journal - Yields of Dreams: A Closer Look at Dividends https://www.newcapitalmgmt.com/news/the-secure-act-and-your-retirement-savings monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1580864480670-24RXEWSFGZCWY9N63Z6W/The+SECURE+Act+and+Your+Retirement+Savings The New Capital Journal - The SECURE Act and Your Retirement Savings https://www.newcapitalmgmt.com/news/market-month-january-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1580764964838-6G9KUA5U8WGJIZMQVYJI/Screen+Shot+2020-02-03+at+3.22.30+PM.png The New Capital Journal - Market Month: January 2020 https://www.newcapitalmgmt.com/news/market-week-january-27-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1580156260903-8FKJLB90TG5JUCFYJGR0/Screen+Shot+2020-01-27+at+2.17.24+PM.png The New Capital Journal - Market Week: January 27, 2020 https://www.newcapitalmgmt.com/news/blindsided monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Blindsided https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578691231494-UNKZ2S9NSWXGCV3U3BLV/Leonard+Golub+Financial+Advisor The New Capital Journal - Blindsided https://www.newcapitalmgmt.com/news/2010s-a-decade-in-review monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1579883515836-YQUZXRNM8OCUHM21LURS/DFA2.gif The New Capital Journal - The 2010s: A Decade in Review https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1579882253729-PCRB25YXZ9CZ0DDGGNN2/2010s+1.png The New Capital Journal - The 2010s: A Decade in Review Past performance is not a guarantee of future results. Source: MSCI. In US dollars, net dividends. MSCI data © MSCI 2020, all rights reserved. Index is not available for direct investment. Performance does not reflect the expenses associated with management of an actual portfolio https://www.newcapitalmgmt.com/news/market-week-january-21-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1579843602461-ARA14E7O0EYG17BJGNPD/Screen+Shot+2020-01-23+at+11.26.20+PM.png The New Capital Journal - Market Week: January 21, 2020 https://www.newcapitalmgmt.com/news/responsibility monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Responsibility https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578691231494-UNKZ2S9NSWXGCV3U3BLV/Leonard+Golub+Financial+Advisor The New Capital Journal - Responsibility https://www.newcapitalmgmt.com/news/sustainability-blackrocks-new-standard-for-investing monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/traced-act-offers-consumers-additional-protections-against-robocalls monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1579125889773-TL85J6Y9TEYV6NH42RPP/TRACED+Act+Offers+Consumers+Additional+Protections+Against+Robocalls The New Capital Journal - TRACED Act Offers Consumers Additional Protections Against Robocalls https://www.newcapitalmgmt.com/news/market-week-january-13-2020 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1579126359022-ELPJPLML6CMCQKKFC1SB/Screen+Shot+2020-01-15+at+4.12.26+PM.png The New Capital Journal - Market Week: January 13, 2020 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/happy monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Happy https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578691231494-UNKZ2S9NSWXGCV3U3BLV/Leonard+Golub+Financial+Advisor The New Capital Journal - Happy https://www.newcapitalmgmt.com/news/2019annualreports monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - 2019 Annual Reports https://www.newcapitalmgmt.com/news/two-trade-agreements-offer-optimism-but-uncertainty-remains monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578513049439-C2KZMTZM91GI9GCZ12ES/Two+Trade+Agreements+Offer+Optimism%2C+But+Uncertainty+Remains%22 The New Capital Journal - Trade Agreements Offer Optimism, But Uncertainty Remains https://www.newcapitalmgmt.com/news/dimensional-reduces-us-mutual-fund-management-fees monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578337622919-36Y6K8J7MR1KKHM0PJOA/Dimensional+Reduces+US+Mutual+Fund+Management+Fees The New Capital Journal - Dimensional Reduces US Mutual Fund Management Fees https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578337399244-FOERWDK0B4J02H2FPRJS/Screen+Shot+2020-01-06+at+1.03.06+PM.png The New Capital Journal - Dimensional Reduces US Mutual Fund Management Fees https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578337354009-3E0O6KOO8141ELK6R1GX/Dimensional+Reduces+US+Mutual+Fund+Management+Fees The New Capital Journal - Dimensional Reduces US Mutual Fund Management Fees https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578337431729-4ABIRJBLYDPGRMPPOQ0X/Screen+Shot+2020-01-06+at+1.03.42+PM.png The New Capital Journal - Dimensional Reduces US Mutual Fund Management Fees https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578337457386-17IQMM40W11UG54CLCNI/Screen+Shot+2020-01-06+at+1.03.59+PM.png The New Capital Journal - Dimensional Reduces US Mutual Fund Management Fees https://www.newcapitalmgmt.com/news/fishinabarrel monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Fish In A Barrel https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578282658023-FL9AC9QCU2APOO0U2EKC/Fish+in+a+Barrel+chart.png The New Capital Journal - Fish In A Barrel https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Fish In A Barrel https://www.newcapitalmgmt.com/news/annual-market-review-2019 monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1578114854060-5JQXITMU21PFACHL4NVJ/Annual+Market+Review+2019 The New Capital Journal - Annual Market Review 2019 https://www.newcapitalmgmt.com/news/hindsight-is-20/20-foresight-isnt monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1577734871667-2EEAUTB6NZARJ5EYSD35/Hindsight+Is+20%2F20.+Foresight+Isn%E2%80%99t. The New Capital Journal - Hindsight Is 20/20. Foresight Isn’t. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1577734601309-C0N1C7L4NL5F02ZP248X/Hindsight+Is+20%2F20.+Foresight+Isn%E2%80%99t. The New Capital Journal - Hindsight Is 20/20. Foresight Isn’t. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1577734662006-BXWNYME1OFT502U8P9U7/Hindsight+Is+20%2F20.+Foresight+Isn%E2%80%99t2 The New Capital Journal - Hindsight Is 20/20. Foresight Isn’t. https://www.newcapitalmgmt.com/news/new-spending-package-includes-sweeping-retirement-plan-changes monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1577734128113-1PLTVVG2AYMHL54YMBRO/New+Spending+Package+Includes+Sweeping+Retirement+Plan+Changes The New Capital Journal - New Spending Package Includes Sweeping Retirement Plan Changes https://www.newcapitalmgmt.com/news/market-week-december-30-2019 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1577733345110-IHPIHVMLUIXJNCAFUPDJ/Screen+Shot+2019-12-30+at+1.15.31+PM.png The New Capital Journal - Market Week: December 30, 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/market-week-december-23-2019 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1577200846511-OI4A79AL2NBC9CXWJ2O2/Screen+Shot+2019-12-24+at+9.20.26+AM.png The New Capital Journal - Market Week: December 23, 2019 https://www.newcapitalmgmt.com/news/trial monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Trial https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Trial https://www.newcapitalmgmt.com/news/market-week-december-16-2019 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1576615361531-5PPWPPJB3TIOCUGGSGGA/Screen+Shot+2019-12-17+at+2.42.26+PM.png The New Capital Journal - Market Week: December 16, 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/aye monthly 0.5 2026-02-25 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Aye https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Aye https://www.newcapitalmgmt.com/news/the-ag-economy-tough-times-for-farmers-in-2019 monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1576090323132-BYWBDXXS18FIBJUIQJ1P/tim-mossholder-KDlLiCL7XPk-unsplash.jpg The New Capital Journal - The Ag Economy: Tough Times for Farmers in 2019 https://www.newcapitalmgmt.com/news/market-week-december-9-2019 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1575917545971-24I307O1UHGYU2K0FZ85/Screen+Shot+2019-12-09+at+12.52.09+PM.png The New Capital Journal - Market Week: December 9, 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/what-does-high-asset-growth-say-about-a-companys-expected-return monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1575318088640-Y51OAPDBFF62GT3P0GLU/austin-distel-EMPZ7yRZoGw-unsplash.jpg The New Capital Journal - What Does High Asset Growth Say About a Company's Expected Return? https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1575317606540-WIAKOVSUV0SGC02CSEX2/Screen+Shot+2019-12-02+at+2.13.03+PM.png The New Capital Journal - What Does High Asset Growth Say About a Company's Expected Return? https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1575317663440-PTKCNVC5Y2ULS385MO63/Screen+Shot+2019-12-02+at+2.13.43+PM.png The New Capital Journal - What Does High Asset Growth Say About a Company's Expected Return? https://www.newcapitalmgmt.com/news/what-will-you-pay-for-medicare-in-2020 monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1575484632315-U9JBWY5Z503R51N2RHI2/hush-naidoo-yo01Z-9HQAw-unsplash.jpg The New Capital Journal - What Will You Pay for Medicare in 2020? https://www.newcapitalmgmt.com/news/year-end-charitable-giving19 monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1575395572562-9DIGYRAMIGF5CSB3V8GQ/image-asset.jpeg The New Capital Journal - Year-End Charitable Giving https://www.newcapitalmgmt.com/news/market-month-november-2019 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1575318290467-0FMP5Z7VH1MDPE9IYCM1/Screen+Shot+2019-12-02+at+2.24.31+PM.png The New Capital Journal - Market Month: November 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/market-week-november-25-2019b monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1574888032824-2Q03T6UD9G5LRS2KC3I9/Screen+Shot+2019-11-27+at+2.53.32+PM.png The New Capital Journal - Market Week: November 25, 2019 https://www.newcapitalmgmt.com/news/fidelity-to-begin-offering-health-savings-accounts monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1547148307919-9XQYL0TSZTOML6B2C79G/JC+-+1x1.jpg The New Capital Journal - Fidelity to begin offering Health Savings Accounts (HSA) https://www.newcapitalmgmt.com/news/college-cost-data-for-2019-2020-school-year monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1574296431597-JWNWN46758DCDTJ6U3E2/Square_wooden_college_figures_picture-id1172918115.jpg The New Capital Journal - College Cost Data for 2019-2020 School Year https://www.newcapitalmgmt.com/news/fidelity-charitable-2019-giving-report monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1574113420282-TOA4OH8QCM5UA552B2K3/Screen+Shot+2019-11-18+at+3.43.20+PM.png The New Capital Journal - Fidelity Charitable 2019 Giving Report https://www.newcapitalmgmt.com/news/ira-and-retirement-plan-limits-for-2020 monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1573670002766-R5FRKPVGUNQD1JQFICJN/IRA+and+Retirement+Plan+Limits+for+2020 The New Capital Journal - IRA and Retirement Plan Limits for 2020 https://www.newcapitalmgmt.com/news/market-week-november-11-2019 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1573616182734-0UTYASNXT1XSHUXHO15V/11-11-19-table.png The New Capital Journal - Market Week: November 11, 2019 https://www.newcapitalmgmt.com/news/preliminary-capital-gains-estimates monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1574197051252-50IYTIG5JDXW3H2C8TN6/vanguard.gif The New Capital Journal - Preliminary capital gains estimates https://www.newcapitalmgmt.com/news/appropriate-checklists-for-year-end-tax-planning monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/manufacturing-slowdown-what-does-it-mean-for-the-economy monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1573234096231-UE1J3N7OWKKQROMH3OHB/Manufacturing+Slowdown%3A+What+Does+It+Mean+for+the+Economy%3F The New Capital Journal - Manufacturing Slowdown: What Does It Mean for the Economy? https://www.newcapitalmgmt.com/news/zero-commissions-for-trades monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572888951184-W00CO72PX5X870FO7QX2/JC+-+1x1.jpg The New Capital Journal - Introducing Zero Commissions for Trades—Delivering Even More Value from Fidelity https://www.newcapitalmgmt.com/news/marketweek-11-1-19 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572888559157-QX57TCLMOXSE4LWJCNKH/11-1-19-table.png The New Capital Journal - Market Week: November 1, 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/annual-conference-2019 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572619591700-CYL1P3UFEPQESL0PA04S/CB+-+1x1+-+NEW.jpg The New Capital Journal - The 2019 Annual Conference https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572619639978-6OBOPTUNKZ160SQQTN9P/cb+sig.jpg The New Capital Journal - The 2019 Annual Conference https://www.newcapitalmgmt.com/news/could-a-health-savings-account-help-strengthen-your-retirement-plan monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572535655381-5C1RSTVA7JEXKXOA4ML8/Could+a+Health+Savings+Account.jpg The New Capital Journal - Could a Health Savings Account Help Strengthen Your Retirement Plan? https://www.newcapitalmgmt.com/news/marketweek-10-28-19 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572533720915-4MAYYFT01CK8T6LWMS4Z/10-28-19-table.png The New Capital Journal - Market Week: October 28, 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/open-enrollment-for-health-insurance-marketplaces-2019 monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572535313149-M9WRHWOB25KEVZL2W0TR/November+1+Begins+Open+Enrollment+for+Health+Insurance+Marketplaces.jpg The New Capital Journal - November 1 Begins Open Enrollment for Health Insurance Marketplaces https://www.newcapitalmgmt.com/news/employer-plans-can-offer-the-foundation-of-a-comfortable-retirement monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572534802528-XUI1J3F7Y463A4FO9FVC/Employer+Plans+Can+Offer+the+Foundation+of+a+Comfortable+Retirement.jpg The New Capital Journal - Employer Plans Can Offer the Foundation of a Comfortable Retirement https://www.newcapitalmgmt.com/news/marketweek-10-14-19 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1571064893409-3RNWSD70OITPX8KPT0NI/10-1419-table.png The New Capital Journal - Market Week: October 14, 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/on-tax-reform monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - On Tax Reform https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - On Tax Reform https://www.newcapitalmgmt.com/news/medicare-open-enrollment-begins monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572534561019-U909EM8WFKBKZQDG0WAF/medicare+open+enrollment+-+2019.jpg The New Capital Journal - Medicare Open Enrollment Begins October 15 https://www.newcapitalmgmt.com/news/marketweek-10-7-19 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1570806067233-JTKEM83Z9E8U7Q5AU7D4/10-7-19+table.png The New Capital Journal - Market Week: October 7, 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/guildeline-key-benefits monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1573846576594-PRLYUGWT2MYCONK3XHIZ/Guildeline%3A+Key+Benefits The New Capital Journal - Guildeline: Key Benefits https://www.newcapitalmgmt.com/news/how-much-can-you-save-with-a-guideline-401k monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1573846988873-AT2RRUXX3PIJ4XDM6PZB/How+Much+Can+you+Save+with+a+Guideline+401%28k%29%3F The New Capital Journal - How Much Can you Save with a Guideline 401(k)? https://www.newcapitalmgmt.com/news/guideline-the-easy-affordable-401k-employees-deserve monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1573846292023-WHPBOMNWL3IKB8YEDSJU/Guideline%3A+The+Easy%2C+Affordable+401%28k%29+Employees+Deserve The New Capital Journal - Guideline: The Easy, Affordable 401(k) Employees Deserve https://www.newcapitalmgmt.com/news/marketweek-9-30-19 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1569863161203-ITMXP2MKBC6J8RKD1WVW/9-30-19+table.png The New Capital Journal - Market Week: September 30, 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/russia monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - On Russia https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1569532427006-BJKFS60G8PIJK3I1MLIU/5.49.png The New Capital Journal - On Russia https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1569532317982-KR5YEGDA6VGHRMMLA76H/20.83.png The New Capital Journal - On Russia https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - On Russia https://www.newcapitalmgmt.com/news/marketweek-9-25-19 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1569424097709-FEM4258QXZXN00BXBM58/9-25-19+table.png The New Capital Journal - Market Week: September 23, 2019 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark the performance of specific investments. https://www.newcapitalmgmt.com/news/taxation-and-property-casualty-and-liability-insurance monthly 0.5 2026-02-04 https://www.newcapitalmgmt.com/news/capital monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - On Capital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1569026722086-P5D9L8ISU1U0MLNR29KC/image-asset.jpeg The New Capital Journal - On Capital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - On Capital https://www.newcapitalmgmt.com/news/planning-for-earned-income-in-retirement monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/five-questions-about-long-term-care monthly 0.5 2026-02-03 https://www.newcapitalmgmt.com/news/trade-wars monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Trade Wars https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1568047467492-9RB27GJVDPFPZXZI4GED/Chinese+Trade+Routes.png The New Capital Journal - Trade Wars China is the world’s #1 trade partner https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Trade Wars https://www.newcapitalmgmt.com/news/what-does-the-yield-curve-suggest-about-growth monthly 0.5 2026-02-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1567781467543-OC86R467TYAAXBV7YUH3/Yield-Curve The New Capital Journal - Upside Down: What Does the Yield Curve Suggest About Growth? 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Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1560288063789-ZJ6UX146Y4MBIJVIAZBD/Randomness+4.png The New Capital Journal - The Randomness of Global Equity Returns Past performance is no guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. Data presented in the Growth of $1 chart is hypothetical and assumes reinvestment of income and no transaction costs or taxes. The charts are for illustrative purposes only and are not indicative of any investment. 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As of December 31, 2017. Data provided by Bloomberg. Market cap data is free-float adjusted and meets minimum liquidity and listing requirements. China market capitalization excludes A-shares, which are generally only available to mainland China investors. For educational purposes; should not be used as investment advice. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1547149675803-0QN8TN1ELSI5VFGR54SA/Exhibit+2.png The New Capital Journal - Why Should You Diversify? S&P data © 2018 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI data © MSCI 2018, all rights reserved. Indices are not available for direct investment. Index performance does not reflect expenses associated with the management of an actual portfolio. 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After Rocky Year-End, Risks Follow Investors into New Year https://www.newcapitalmgmt.com/news/ownership monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Ownership https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Ownership https://www.newcapitalmgmt.com/news/principles monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Principles https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1544633564918-8YMBZNOHGAOKUOC9AHPO/Image_1+2018-12-11_11-48-48.jpeg The New Capital Journal - Principles https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Principles https://www.newcapitalmgmt.com/news/marketreview/december-2018 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539142047238-LFOXTPX78MPGQS38UGAW/todd+-+1x1.jpg The New Capital Journal - Portfolio & Market Review: November 2018 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1544470932081-C7ZSJ2R01U1Q1Q7I7U4U/Todd+-+tax+table.png The New Capital Journal - Portfolio & Market Review: November 2018 https://www.newcapitalmgmt.com/news/more monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - More https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - More https://www.newcapitalmgmt.com/news/marketreview/november-2018 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539142047238-LFOXTPX78MPGQS38UGAW/todd+-+1x1.jpg The New Capital Journal - Portfolio & Market Review: October 2018 https://www.newcapitalmgmt.com/news/november-1-begins-open-enrollment-for-health-insurance-marketplaces monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1540930652820-B3H6JYVQ9TIAB9O1UAJY/Affordable+care+act.jpg The New Capital Journal - November 1 Begins Open Enrollment for Health Insurance Marketplaces https://www.newcapitalmgmt.com/news/bear-in-the-woods-emerging-markets-credit-crisis monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1540930181911-N4PPE4I7KZF0IK0JMD64/Emerging+Markets.jpg The New Capital Journal - Bear in the Woods: Emerging Markets Credit Crisis https://www.newcapitalmgmt.com/news/a-better-approach-to-roth-conversions monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/any-given-year monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539279345501-06LDDVNHS0FVJAG24FZP/Leonard+Golub+Financial+Advisor The New Capital Journal - Any Given Year https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539355123461-H5YMHU11LQC6SUKOR1LR/2017+Conference.jpg The New Capital Journal - Any Given Year The 2017 New Capital Annual Conference https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Any Given Year https://www.newcapitalmgmt.com/news/marketreview/october-2018 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539142047238-LFOXTPX78MPGQS38UGAW/todd+-+1x1.jpg The New Capital Journal - Portfolio & Market Review: Q3 2018 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539142416013-9LYQGC0EGPZ952ITCB26/table.gif The New Capital Journal - Portfolio & Market Review: Q3 2018 https://www.newcapitalmgmt.com/news/new-credit-legislation monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539213588265-SKTJOLRWCWXJM0RHBL61/New+Credit+Legislation.jpg The New Capital Journal - New Credit Legislation https://www.newcapitalmgmt.com/news/medicare-open-enrollment monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539207185664-P87784FJ2AR3ZPUW5W7W/Medicare+Open+Enrollment+Begins+October+15.jpg The New Capital Journal - Medicare Open Enrollment Begins October 15 https://www.newcapitalmgmt.com/news/roths-beyond-retirement monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/tackling-tuition monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/blockchain-buzz monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539214155408-EFG8D531UFFMSZRO2M50/Blockchain+Buzz.jpg The New Capital Journal - Blockchain Buzz: Emerging Tech Offers Potential, Not Promises https://www.newcapitalmgmt.com/news/undo-2017-roth-conversion monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539214362856-IT13PBSHRLWBZ0TDV1IU/Final+Chance+to+Undo+a+2017+Roth+IRA+Conversion.jpg The New Capital Journal - Final Chance to Undo a 2017 Roth IRA Conversion https://www.newcapitalmgmt.com/news/irs-shuts-down-state-tax-workaround monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539222187912-XUJZ1Y6RU7HXEBDPLY99/IRS+Shuts+Down+State+Tax+Workaround.jpg The New Capital Journal - IRS Shuts Down State Tax Workaround https://www.newcapitalmgmt.com/news/natural-capital monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Natural Capital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536421372536-HBAZ8ISPVRUERF8AJCM1/ranch+tree+fort.jpg The New Capital Journal - Natural Capital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536421462500-ZBZLJESVLM8U5FRF3HN3/bastrop+fire.jpg The New Capital Journal - Natural Capital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536421790798-TRZ4KBX1VTFQBAEH1V57/Augie+on+trees.JPG The New Capital Journal - Natural Capital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Natural Capital https://www.newcapitalmgmt.com/news/pursuing-better-investment-experience monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527175360676-BSOZ79V6BRMI1IS9HM42/BETTER+INVESTMENT+EXPERIENCE The New Capital Journal - Pursuing a Better Investment Experience https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527175389181-7K5T80X5IC6U3ID2EYMJ/pursuing-2.png The New Capital Journal - Pursuing a Better Investment Experience https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527175442956-8A2IJS1G6SDRD9I5A3U5/image-asset.png The New Capital Journal - Pursuing a Better Investment Experience https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527175481505-Y9M3AO9505SDMS7KF5NH/image-asset.png The New Capital Journal - Pursuing a Better Investment Experience https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527175568180-9TSCZI2L6DSU0RP1CE53/image-asset.png The New Capital Journal - Pursuing a Better Investment Experience https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527175645687-WJ2XKGMCBULE6B3R5EET/pursuing-6.png The New Capital Journal - Pursuing a Better Investment Experience https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527175711493-K2UFCSTT921J85O3IQEO/pursuing-7.png The New Capital Journal - Pursuing a Better Investment Experience https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527175899473-1FO58B5V0IKAQID5K74R/pursuing-8.png The New Capital Journal - Pursuing a Better Investment Experience https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527175946610-BNAD2HGBAAAHL3TKAKPF/image-asset.png The New Capital Journal - Pursuing a Better Investment Experience https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527176023610-401P89L73IYW1604TMSC/pursuing-10.png The New Capital Journal - Pursuing a Better Investment Experience https://www.newcapitalmgmt.com/news/abcs-of-education-investing monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536178121653-AECIKHZW5FFA2572MB8C/Education-Investing-1.gif The New Capital Journal - The ABC's of Education Investing Source: The College Board, "Trends in College Pricing 2017" https://www.newcapitalmgmt.com/news/vanguard-long-term-care monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/esg-sri-impact-investing monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/viva-mexico monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534825979129-UNK5EX6K7ADL3Z3AGU9W/mex-landscape.jpg The New Capital Journal - Viva Mexico https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Viva Mexico https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534826067013-TXD36NR9QCC6CVMF6W57/mex-horse-art.JPG The New Capital Journal - Viva Mexico https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534827051548-OXSSP6WYUX512W3DN6CF/mex-abby-ruins.JPG The New Capital Journal - Viva Mexico https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534826835417-J7YEZEZEMSHRN9SCPFDE/mex-lg-caves.JPG The New Capital Journal - Viva Mexico https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534826760643-CYYDFW7SSRBDKQP08JPR/mex-mural.JPG The New Capital Journal - Viva Mexico https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Viva Mexico https://www.newcapitalmgmt.com/news/larger-deficits-driving-debt monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534861597924-5MCE9ZDIKBEKXV9K695B/US+Fiscal+Issues.jpg The New Capital Journal - U.S. Fiscal Issues: Larger Deficits Are Driving Up Debt https://www.newcapitalmgmt.com/news/health-care-costs-in-retirement monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/alternative-reality monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536951104889-2DHNIAMGY8U7A6DG8EH1/Alternative+Reality.jpg The New Capital Journal - Alternative Reality Sample includes absolute return, long/short equity, managed futures, and market neutral equity mutual funds from the CRSP Mutual Fund Database after they have reached $50 million in AUM and have at least 36 months of return history. Multiple share classes are aggregated to the fund level. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536951231742-UF1MPH897U1CSJOGC2SO/Alternative+Reality-2.jpg The New Capital Journal - Alternative Reality Past performance is no guarantee of future results. Results could vary for different time periods and if the liquid alternative fund universe, calculated by Dimensional using CRSP data, differed. This is for illustrative purposes only and doesn’t represent any specific investment product or account. Indices cannot be invested into directly and do not reflect fees and expenses associated with an actual investment. The fund returns included in the liquid alternative funds average are net of expenses. Please see a fund’s annual report and prospectus for additional information on a specific portfolio’s turnover and the expenses it incurs. Liquid Alternative Funds Sample includes absolute return, long/short equity, managed futures, and market neutral equity mutual funds from the CRSP Mutual Fund Database after they have reached $50 million in AUM and have at least 36 months of return history. Dimensional calculated annualized return, annualized standard deviation, expense ratio, and annual turnover as an asset-weighted average of the Liquid Alternative Funds Sample. It is not possible to invest directly in an index. Past performance is not a guarantee of future results. Source of one-month US Treasury bills: © 2018 Morningstar. Former source of one-month US Treasury bills: Stocks, Bonds, Bills, and Inflation, Chicago: Ibbotson And Sinquefield, 1986. Bloomberg Barclays data provided by Bloomberg Finance L.P. Frank Russell Company is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Standard deviation is a measure of the variation or dispersion of a set of data points. Standard deviations are often used to quantify the historical return volatility of a security or a portfolio. Turnover measures the portion of securities in a portfolio that are bought and sold over a period of time. https://www.newcapitalmgmt.com/news/tao-of-wealth-management monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/declarations monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Declarations https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534824496186-PP6B4L7ONCRM7BMMY4Q7/immigration+march.jpg The New Capital Journal - Declarations https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534824623437-4VR7I0QEOKARSZEMYVAT/declaration.jpg The New Capital Journal - Declarations https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Declarations https://www.newcapitalmgmt.com/news/pain-at-the-pump monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534869061894-3HIODF7PAFD7CRL16I8N/Pain+at+the+Pump.jpg The New Capital Journal - Pain at the Pump: Why Does It Cost More to Fill Your Tank? https://www.newcapitalmgmt.com/news/wheres-the-value monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537288507026-1N6VRL80363U4IIQN0QR/Where%27s+the+Value+-+1.png The New Capital Journal - Where's the Value? In US dollars. The one-year relative price premium is computed as the one-year compound return on the Fama/French US Value Research Index minus the one-year compound return on the Fama/French US Growth Research Index. Fama/French indices provided by Ken French. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537288882768-77IL7D1720HDR1YMSU7V/Where%27s+the+Value+-+2.png The New Capital Journal - Where's the Value? In US dollars. The 10-year rolling relative price premium is computed as the 10-year annualized compound return on the Fama/French US Value Research Index minus the 10-year annualized compound return on the Fama/French US Growth Research Index. Fama/French indices provided by Ken French. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537289354413-T8DAWBHNK00JHOQZRQJV/Where%27s+the+Value+-+3.png The New Capital Journal - Where's the Value? In US dollars. Based on rolling annualized returns using monthly data. Rolling multiyear periods overlap and are not independent. Fama/French indices provided by Ken French. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results. https://www.newcapitalmgmt.com/news/student-loan-interest-rates-rise monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534860978431-1M5YHEODYSAIAH9DU1SP/Interest+Rates+Rise+on+Federal+Student+Loans+for+2018-2019.jpg The New Capital Journal - Interest Rates Rise on Federal Student Loans for 2018-2019 https://www.newcapitalmgmt.com/news/challenges-social-security-medicare monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534880889182-6ONN5750M2LKIZXDQ2NI/Challenges+Social+Security+Medicare.jpg The New Capital Journal - New Reports Highlight Continuing Challenges for Social Security and Medicare https://www.newcapitalmgmt.com/news/what-you-pay-what-you-get monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/planning-for-health-care-costs-in-retirement monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/the-right-track monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - The Right Track https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529987096583-WYVIUMY2ZGLVJ6FIKKYE/starbucks.png The New Capital Journal - The Right Track https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529987145919-9NNO8AOW1GJMGQ45QGEG/image-asset.jpeg The New Capital Journal - The Right Track https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - The Right Track https://www.newcapitalmgmt.com/news/impact-of-inflation monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536943245553-IOI4DDOBRJTKXII8MTJY/Impact+of+Inflation+-+1.jpg The New Capital Journal - The Impact of Inflation In US dollars. Source for 1916 and 1966: Historical Statistics of the United States, Colonial Times to 1970/US Department of Commerce. Source for 2017: US Department of Labor, Bureau of Labor Statistics, Economic Statistics, Consumer Price Index—US City Average Price Data. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536943316785-AGO1J40MSWBVBUQS5S1L/Impact+of+Inflation+-+2.jpg The New Capital Journal - The Impact of Inflation S&P and Dow Jones data © 2018 Dow Jones Indices LLC, a division of S&P Global. All rights reserved. Past performance is no guarantee of future results. Actual returns may be lower. Inflation is measured as changes in the US Consumer Price Index. https://www.newcapitalmgmt.com/news/retirement-confidence-improves monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534881860100-4AJ8NNBTF23VEDVK7J2M/Retirement+Confidence+Improves.jpg The New Capital Journal - Retirement Confidence Improves for Workers, Declines for Retirees in Critical Areas https://www.newcapitalmgmt.com/news/honor monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Honor https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529960499422-NCOEZ1WGJRQ0MPNYSCK1/image-asset.jpeg The New Capital Journal - Honor National Honor Society Induction Ceremony https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529960528484-394W4MYCST40IDCPF49F/image-asset.jpeg The New Capital Journal - Honor https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529950709149-CBE7VIYFFNVQLJGJPW4N/Leonard+Golub+Financial+Advisor The New Capital Journal - Honor https://www.newcapitalmgmt.com/news/changing-market-municipal-bonds monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536613243153-54QOZ66M6IKH0PDF0B4V/Changing+Market+-+Municipal+Bonds+After+Tax+Reform.jpg The New Capital Journal - Changing Market: Municipal Bonds After Tax Reform https://www.newcapitalmgmt.com/news/relative-performance-of-flagship-equity-funds monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537756888556-OPIGEGW9IO5CS44R791A/Relative+Performance-1.jpg The New Capital Journal - Relative Performance of Flagship Equity Funds https://www.newcapitalmgmt.com/news/dimensionals-investment-portfolios monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/mutual-fund-landscape-2018 monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/webinar/q2-2018-marketupdate monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/dimensional-overview monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/new-medicare-cards-are-coming monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536612960415-14V25JGIM2IVMW69W6JE/New+Medicare+Cards+Are+Coming.jpg The New Capital Journal - New Medicare Cards Are Coming https://www.newcapitalmgmt.com/news/independence monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Independence https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529970191922-8EQXRMG9PS3JMS5PB98L/image-asset.jpeg The New Capital Journal - Independence Abby with the Torah https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1529960866676-C1ND7QIH7QK4AOB5F6J1/Leonard+Golub+Financial+Advisor The New Capital Journal - Independence https://www.newcapitalmgmt.com/news/trade-tactics-new-metals-tarriffs monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536611477241-5I6IMTCJKY5L0TFDH853/Trade+Tactics+-+New+Metals+Tariffs+Reflect+U.S.+Policy+Shift.jpg The New Capital Journal - Trade Tactics: New Metals Tariffs Reflect U.S. Policy Shift https://www.newcapitalmgmt.com/news/irs-releases-updated-w4-calculator monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536610499843-7LOZ3MDE3EDZNMLC0S76/IRS+Releases+Updated+Form+W-4+and+Withholding+Calculator.jpg The New Capital Journal - IRS Releases Updated Form W-4 and Withholding Calculator https://www.newcapitalmgmt.com/news/federal-income-tax-returns-due monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536610253937-QOD3X5X09X60486MP6IV/Federal+Income+Tax+Returns+Due+for+Most+Individuals.jpg The New Capital Journal - Federal Income Tax Returns Due for Most Individuals https://www.newcapitalmgmt.com/news/still-time-to-contribute-2017 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536609928511-0JV3Y60KF655GVJOAVK1/There%27s+Still+Time+to+Contribute+to+an+IRA+for+2017.jpg The New Capital Journal - There's Still Time to Contribute to an IRA for 2017 https://www.newcapitalmgmt.com/news/evils-that-never-happen monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Evils That Never Happen https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534822104052-BY1V7PEK6OOPMUKCS4HN/ThomasJefferson.jpg The New Capital Journal - Evils That Never Happen Thomas Jefferson https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534815642809-CU7Z1U17ULOONBG936BW/Leonard+Golub+Financial+Advisor The New Capital Journal - Evils That Never Happen https://www.newcapitalmgmt.com/news/correction-time-market-takes-a-hit monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536609604335-A1JM2MCHPED94HRAM6GO/Correction+Time+-+The+Market+Takes+a+Hit.jpg The New Capital Journal - Correction Time: The Market Takes a Hit https://www.newcapitalmgmt.com/news/fiduciary-obligations-down-markets monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Fiduciary Obligations and Down Markets https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534815642809-CU7Z1U17ULOONBG936BW/Leonard+Golub+Financial+Advisor The New Capital Journal - Fiduciary Obligations and Down Markets https://www.newcapitalmgmt.com/news/markets-turn-down monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Markets Turn Down https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1534815642809-CU7Z1U17ULOONBG936BW/Leonard+Golub+Financial+Advisor The New Capital Journal - Markets Turn Down https://www.newcapitalmgmt.com/news/tax-cuts-and-jobs-act-529-plans monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536609173648-4YO266SGR1U70GZ6QUM6/Tax+Cuts+and+Jobs+Act+-+529+Plans+Expanded.jpg The New Capital Journal - Tax Cuts and Jobs Act: 529 Plans Expanded https://www.newcapitalmgmt.com/news/storms-boats monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - 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2018 Estate Planning Key Numbers https://www.newcapitalmgmt.com/news/key-numbers-investments-2018 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536683650938-2OLASC4ZS2CTKQ9Z773P/2018+Investment+Key+Numbers.jpg The New Capital Journal - 2018 Investment Planning Key Numbers https://www.newcapitalmgmt.com/news/key-numbers-business-2018 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536682771924-8E7S0F1FNDTKF3XQ2P7Q/2018+Business+Key+Numbers.jpg The New Capital Journal - 2018 Business Planning Key Numbers https://www.newcapitalmgmt.com/news/key-numbers-education-2018 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536680376073-RQ6W6BUNIHUPRXSC6534/2018+Education+Key+Numbers.jpg The New Capital Journal - 2018 Education Planning Key Numbers https://www.newcapitalmgmt.com/news/key-numbers-retirement-2018 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536680125971-RBSGA16EKJNNHMWNVWHH/2018+Retirement+Key+Numbers.jpg The New Capital Journal - 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Hurricane Disaster Tax Relief https://www.newcapitalmgmt.com/news/2017/financial-considerations monthly 0.5 2023-12-04 https://www.newcapitalmgmt.com/news/harvey-counseling monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527181574087-3X90WTDR65IBQQWV0RM6/FREE+FINANCIAL+COUNSELING The New Capital Journal - Post Harvey - Free Financial Counseling https://www.newcapitalmgmt.com/news/brick-and-mortar-fate-of-traditional-retail monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536597580508-4JUAS4XMG7WGQZ5EZR9J/Brick-and-Mortar+-+The+Precarious+Fate+of+Traditional+Retail.jpg The New Capital Journal - Brick-and-Mortar: The Precarious Fate of Traditional Retail https://www.newcapitalmgmt.com/news/market-review-august-2017 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527178456624-34SLV5362J66Z63O8X7D/NCM+MARKET+REVIEW The New Capital Journal - NCM Market Review: August 2017 https://www.newcapitalmgmt.com/news/equifax-data-breach monthly 0.5 2026-02-03 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536597162163-4FZNC8PSVNBKE2IXOO4R/The+Equifax+Data+Breach.jpg The New Capital Journal - The Equifax Data Breach https://www.newcapitalmgmt.com/news/harvey-aftermath monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Harvey's Aftermath https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527177028919-EED6ENZQH196LEVZ5T8D/harvey-doppler.png The New Capital Journal - Harvey's Aftermath https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527177208890-DEUXW2C1I1EZUCXHAPSR/image-asset.jpeg The New Capital Journal - Harvey's Aftermath https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527177487457-BWQ8PA9J58I9F9CHDAEU/harvey-59.jpeg The New Capital Journal - Harvey's Aftermath https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527177655210-Y99X52Y8WHJ5D4ELHR92/image-asset.jpeg The New Capital Journal - Harvey's Aftermath https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527177727364-CIAOHR5O04JSOAMON4ZH/image-asset.jpeg The New Capital Journal - Harvey's Aftermath https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527177996345-UGUEEZQQGIH5KIEO12GW/image-asset.jpeg The New Capital Journal - Harvey's Aftermath https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527178036308-QG3WZ2Q29CTSFF0OECQX/image-asset.jpeg The New Capital Journal - Harvey's Aftermath https://www.newcapitalmgmt.com/news/hurricane-harvey monthly 0.5 2026-02-25 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - Hurricane Harvey https://www.newcapitalmgmt.com/news/summer-roadtrip monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527173063193-YUI5A0YABNARCCNZNF9A/roadtrip-map.png The New Capital Journal - Our Summer Road Trip: Chicago to Quebec Chicago, Detroit, Niagara, Toronto, Ottowa, Montreal, & Quebec - 1,172 Miles https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1522874427374-2YMYUDN3LKNSZ0WPPLFW/Screen%2BShot%2B2017-12-08%2Bat%2B8.32.10%2BAM.png The New Capital Journal - 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Our Summer Road Trip: Chicago to Quebec Abby, August & Hannah at Niagara Falls https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527173605580-AR3H10YHXM0AZN0CIS72/roadtrip-yoga-parliament.jpeg The New Capital Journal - Our Summer Road Trip: Chicago to Quebec Yoga at Parliament Hill in Ottawa https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527173660761-4ANXBQMYMNUO3TMDGFU4/roadtrip-formula-e.jpeg The New Capital Journal - Our Summer Road Trip: Chicago to Quebec Formula E Racing https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527174907850-IJ9TKIP52U35ID9X3FYS/image-asset.jpeg The New Capital Journal - Our Summer Road Trip: Chicago to Quebec Our trusty rental car https://www.newcapitalmgmt.com/news/social-security-and-medicare-trustees-reports monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536596900604-9GZH3747LBIHQOYO34RC/Social+Security+and+Medicare+Trustees+Reports.jpg The New Capital Journal - Social Security and Medicare Trustees Reports: Financial Challenges Continue https://www.newcapitalmgmt.com/news/quarterly-market-review-q2-2017 monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527107065243-QLX88TMGLSLNY43SXZPN/Quarterly+Market+Review The New Capital Journal - Quarterly Market Review: April - June 2017 Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark performance of specific investments. https://www.newcapitalmgmt.com/news/todd-centurino-cio monthly 0.5 2023-12-04 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1527106081646-7Q36121BL7HAPG7LPTED/CHIEF+INVESTMENT+OFFICER The New Capital Journal - Chief Investment Officer: Todd Centurino, CFA Todd C. 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Discovery (Copy) 1. Discovery Our work together begins with an extensive free-flowing discussion about your financial goals, details, history, and more. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1538583388991-C6V1NVSGZNVAQ0T0A74F/Screenshot+2018-10-03+11.11.01.png Financial Planning - 2. Planning (Copy) 2. Planning Using the details discovered in our first meeting, we collaboratively create your financial plan with the assistance of our top-rated MoneyGuide Pro technology, and produce a printed version for your records. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1538580943738-8TKU1GGFYOZHBMJ8Q0X4/LG+presenting.png Financial Planning - 3. Investments (Copy) 3. Investments We present a detailed analysis of your current portfolio, an overview of best practices and theories in investment management, and discuss potential changes to your investments. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1538584060123-84LKXKL7EBC120F3KGJP/Screenshot+2018-10-03+11.07.51.png Financial Planning - 4. Mutual Commitment (Copy) 4. Mutual Commitment If we both decide that we enjoy working together, we may formally enter into an advisor/client relationship by executing an Investment Management Agreement and custodial account forms. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1538583960684-B3TMVW66PC9BN86X72Q4/Screenshot+2018-10-03+11.12.42.png Financial Planning - 5. 30 Day Follow-Up (Copy) 5. 30 Day Follow-Up We discuss our investment trading proposal, your other service professionals (CPA, estate attorney, etc.), technology training, and any other open items. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1538583324747-L4YQ6TQSE41K7ETOX6B7/Screenshot+2018-10-03+11.13.07.png Financial Planning - 6. Annual Review (Copy) 6. Annual Review Each year, we meet to discuss the changes in your life and financial picture, your investments, and to update your financial plan. This meeting offers us the chance to make any mutually agreeable changes to your plan elements. https://www.newcapitalmgmt.com/where-gallery daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1644528614553-7690GK0HGPWDP7T0P653/building+1.jpg Where gallery A large, modern office building with horizontal black and white stripes, surrounded by trees and a clear blue sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533699710726-8S6CSV24RTCGZSAQHW1P/conf+room+table+flowers.JPG Where gallery A black geometric vase with a flowering branch containing white and pink buds and a red tulip, placed on a black mat on a wooden table near a window with blinds. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533699961227-EEZRTTI5T2XGDUU06DBV/enso.jpg Where gallery Black and white artwork depicting a large question mark with a burst or splash effect around it. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1644528623654-8AWPJO7YGR9RHV3T7PUH/building+2.jpg Where gallery Modern office building entrance with landscaped garden and trees. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533699773906-L799D5WAVNO5D9FZC966/living+room.JPG Where gallery Modern living room with dark green and brown walls, white and black leather sofas, a coffee table with a globe, a small side table with a plant, a lamp, and large windows with blinds. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533699901066-1HTNHD020T8YLE4GZPJ5/conference+room.jpg Where gallery Conference room with a wooden oval table surrounded by six yellow chairs, a large wall-mounted TV, and a sideboard with decorative items and a large plant near a window with blinds. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533699754953-EAJUJL5T0EEHJMPO0FMZ/hallway+2.jpg Where gallery Abstract black, white, blue, yellow, and brown painting on a white wall in hallway with tiled floor and curved wall. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533700001970-BPJVCCJD9PRF47LDG9J8/lobby+letters.jpg Where gallery Interior of a hospital waiting area with three beige modern chairs, a glass coffee table with magazines, a mustard-colored rug, a window with blinds, and the word 'NEWCAPITAL' displayed on the wall in black letters. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533700018899-W34K9IP0B5FJKMM4LQQZ/lobby+red+shapes.jpg Where gallery Three abstract art panels with geometric shapes on a wall, showing a triangle, circle, and square in gold on a brown background, with two beige modern chairs and a glass coffee table with magazines in a waiting area. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533699789894-MUY3MCE9QC6UTI7752R7/plant+horizontal.jpg Where gallery A tall brown flower vase with green decorative balls and long pinkish branches with yellow flowers, placed on a carpeted floor next to a wall and a window with blinds. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533699984156-OQGIYUQX9N199W3KZNOZ/hallway.jpg Where gallery Interior of a room with abstract artwork on the walls and hardwood and tile flooring. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533699796948-WADC3QUVNYJWHF240IVR/redart.jpg Where gallery Red wall art with black text that reads 'IT IS GREEN THINKS NATURE EVEN IN THE DARK' in a wooden frame on a green wall. https://www.newcapitalmgmt.com/conference-presenters daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1692125084387-16GU9K1X4S684PKUXY0J/LG%2B-%2B5x7.jpg Conference Presenters - Leonard M. Golub, CFA (Copy) Leonard M. Golub, CFA New Capital Management Leonard Golub is the founder of New Capital Management, a 20-year industry veteran and independent practice pioneer. He is a highly accomplished advisor who works closely with New Capital’s clients in all aspects of their financial planning and lives. He is a CFA (Chartered Financial Analyst) charterholder, a professional member of the Financial Therapy Association, and completed training with the Kinder Institute of Life Planning. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1692125208641-30853VZUXV3G5A2JHIJD/pandit.png Conference Presenters - Meera Pandit, CFA (Copy) Meera Pandit, CFA JP Morgan Chase & Co. Meera Pandit, Executive Director, is a Global Market Strategist on the J.P. Morgan Asset Management Global Market Insights Strategy Team. Meera is responsible for delivering timely market and economic insights to institutional and retail clients, conducting research on the global economy and capital markets, and running economic forecasts. She is also responsible for publications such as the Guide to the Markets, and is a contributor to the J.P. Morgan Long-Term Capital Market Assumptions. Meera is also a frequent guest on Bloomberg, Yahoo! Finance, CNN, and other financial news outlets and is often quoted in the financial press. Meera joined the firm in 2011 as an analyst in J.P. Morgan’s Private Bank in New York, where she served ultra-high and high-net worth clients. She has also held business strategy roles in Asset Management in New York and London. Meera earned a B.A. in English from Tufts University and holds Series 7 and 63 licenses. She is a CFA charterholder. Meera was featured as Market Watch’s “Forecaster of the Month” in February 2020. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1631888996395-R2HGU8M88C3KM8GTQMGK/Kevin+%281%29.jpg Conference Presenters - Kevin T. Horner (Copy) Kevin T. Horner The Galligan Law Firm Kevin Horner has a wealth of estate planning, elder law, and estate administration experience, having practiced in these areas for over fifteen years. Kevin works closely with clients to craft estate plans that address concerns such as probate avoidance, tax planning, asset protection, and elder law planning. Kevin’s broad experience also enables him to advise a client with regard to Medicaid and access to long-term care and nursing home benefits. Prior to joining The Galligan Law Firm, Kevin served as Of Counsel and an associate attorney to Pierro, Connor & Strauss, LLC, a New York law firm focusing on estate planning, elder law and estate administration. Before his time at Pierro, Connor & Strauss, Kevin was the principal attorney at the Horner Law Firm, P.C., a suburban law practice in the Pittsburgh area handling estate planning for a variety of clients, including those requiring special needs planning, long-term care and Medicaid planning, asset protection planning, and business succession planning. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1692124872072-6TBYHE9BCWWFUXDBMW1C/image-asset.jpeg Conference Presenters - Tonya L. Knauth (Copy) Tonya L. Knauth Tonya L. Knauth, Attorney PLLC Licensed as an attorney in 1996, Tonya started her legal practice working in commercial litigation, while also forging a lifelong commitment to serve many underprivileged clients through pro bono volunteer legal work. In 2012, Tonya started her own solo law practice, focusing on estate planning, probate and guardianships. Tonya earned her Bachelor’s of Business Administration at the University of Texas at Austin, making the Dean’s List and joining Phi Beta Chi women’s business fraternity. She then pursued a Juris Doctorate at the University of Houston Law Center, distinguishing herself in mock trial, moot court, and mediation competitions; receiving awards for her work in evidence and legal research; and being selected as a judicial intern in Harris County District Court. https://www.newcapitalmgmt.com/client-satisfaction-surveys daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1684870750162-TLWJNSM0V342KH4SVUUM/2022.gif Performance Surveys Large gray 3D numbers displaying '2022' with a white background and a gold horizontal stripe at the bottom. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1684870752434-7QQVJ3UKJHSV6CF7IOL3/2021.gif Performance Surveys 2021 in large grey text with a shadow on a background that is white at the top and green at the bottom. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1684871046312-5EPN8M43UXH2QJEYZOKW/2020.gif Performance Surveys Large gray numbers '2020' on a white and gray background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1684871029599-P17K62Q5UA8191324MM3/2019-1.gif Performance Surveys Graphic displaying the number 2019 in large gray font on a background with a white top and gold bottom https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1554929632460-XDLGSU2M38A6COWSDA9Y/2018.gif Performance Surveys Large gray numbers displaying '2018' on a background divided into white and green sections. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1532982562467-TKPN6E5UXA3XGPR0ISK5/2017.gif Performance Surveys Large gray numbers displaying '2017' on background with a white upper half and dark lower half. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1532982563726-RC4H55PI34QJX59BQJ0E/2016.gif Performance Surveys Gray 3D numbers '2016' on a background split into white and gold sections. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1532983130306-B4VAG7IWHGGT7U4V8GRF/2013.gif Performance Surveys Large gray 2013 text on a white and green background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1532983748513-MRA4S1DH4LNCNFKTFPTR/2011.gif Performance Surveys Bold gray numbers 2011 against a white background with a dark horizontal line at the bottom. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1532983750522-93W4Q2DF792AQQU6NIRE/2010.gif Performance Surveys Bold gray numbers 2010 with a shadow effect against a background divided into white and gold sections. https://www.newcapitalmgmt.com/2-creeks-1 daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753498599-OS9VE74C8TER6VCSL5JO/IMG_0079.JPG 2 Creeks Snow-covered ground with a set of animal tracks, including a dog paw print, and a plant burr stuck in the snow. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753500355-HSBCH6SJWOO6AUZ9BQBQ/IMG_0080.JPG 2 Creeks Snow-covered forest trail with a small pile of firewood and a wire cage on the left, surrounded by trees and bushes, under a cloudy sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753500546-RXHNRI8MQKZC9IF8RWKC/IMG_0081.JPG 2 Creeks Animal footprint in the snow with snow displaced around it. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753504581-VODU563J7LVIOHLQEHRO/IMG_0082.JPG 2 Creeks A girl in a red winter coat, white knit hat, and snow boots standing on a snowy trail in a wooded area on a clear day. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753509219-85Q36EADX0ZJRV99AR2V/IMG_0083-2.jpg 2 Creeks Two children wearing helmets petting a young deer outdoors in a park with trees and dirt ground. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753509060-SGA9QXQEZ5QBKRELAO4H/IMG_0084.JPG 2 Creeks A fire burning on a grassy field with trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753513752-Q7K9Z87CDEFXBFV0Y60S/IMG_0085.JPG 2 Creeks Red Kubota tractor with a backhoe attachment is on grass in a field surrounded by trees. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753514012-5MLB3D10T537BHZTPWB8/IMG_0086.JPG 2 Creeks A field with green grass and white wildflowers, trees in the background, and a sunset sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753517667-5GWNQNFUFN1J6ROAVEYJ/IMG_0087.JPG 2 Creeks Orange fungi growing on a fallen tree branch among dried leaves in a forest. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753517229-LK0YY9V3J0LCMWNHZFY2/IMG_0088.JPG 2 Creeks A girl painting on a wooden board outdoors with various colored paints and an umbrella nearby. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753519158-2M8663SFY782XIKFT1PJ/IMG_0089.JPG 2 Creeks A shirtless young boy sitting at a table outdoors, painting a colorful abstract piece on a wooden board with thick brushstrokes. An umbrella and another table with paint bottles are nearby. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753523426-JEZXHTN7VQC1M4HITGKK/IMG_0090.JPG 2 Creeks A boy outdoors holding a bow and arrow, aiming to shoot, standing on grass with trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753523433-CCPKD6BW1E4YRYMSQZVX/IMG_0091.JPG 2 Creeks A picnic setup on a blue and white checkered cloth outdoors with plates of toasted bread, apple slices, green figs, a watermelon slice, sunglasses, a water bottle, and a slice of grapefruit. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753525664-VFRJHSMSDIP7QHQ93G9M/IMG_0092.JPG 2 Creeks A wood-burning stove with glowing embers and burning logs inside, placed on a stone hearth with a log in front, and a wooden box filled with newspaper nearby. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753525341-WNDD5ZGPECHPL5X3Y28P/IMG_0093.JPG 2 Creeks Two dogs swimming in a body of water at sunset. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753527773-V6ZBOHRO09M0A142L55N/IMG_0094.JPG 2 Creeks A silhouette of a person wearing a baseball cap against a sunset or sunrise sky with a crescent moon and stars visible, and leafless trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753528475-526IG1DGU3AFF9M6BOKE/IMG_0095.JPG 2 Creeks A man with messy hair and a big smile is sitting in a small round outdoor hot tub on a wooden deck, with a brown dog sitting nearby. The scene is outdoors with trees and sunlight in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753529813-CGSA8FXOVCA5LP1JXSH1/IMG_0096.JPG 2 Creeks Two children, a boy and a girl, are sliding down a playground slide and smiling happily. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753532175-1RCGO7KUUV7ZRUC70XVQ/IMG_0097.JPG 2 Creeks A white mountain bike on a wooden deck, held upright by a bike stand, with a wooded backyard and outdoor furniture in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753534211-EWZUCCPFOXINR3FD500S/IMG_0098.JPG 2 Creeks Six children standing outdoors on grass in front of a small blue tent, dressed in casual outdoor clothing, with trees and a cloudy sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753536625-0TBZ4UNAID7L02TTI45A/IMG_0099.JPG 2 Creeks A young boy standing outdoors in a grassy area holding an axe in one hand and a fallen tree branch in the other. The sun is setting in the background, casting a warm glow over the scene. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753537207-W9JY95WQRCQDLS1UX46R/IMG_0100.JPG 2 Creeks A group of four people and a dog sitting around a wooden outdoor table on a porch with trees in the background, having a meal with plates of food and a beer bottle. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753539668-JA7AFPJEZJ2JT0GA626W/IMG_0101.JPG 2 Creeks A man wearing sunglasses, a beanie, and camouflage jacket takes a selfie with a fluffy light-colored dog outdoors on a sunny day, with trees and a blue sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753541946-F6Q444B1JCEC5P0JGH57/IMG_0102.JPG 2 Creeks A girl sitting on a trailer loaded with large logs in a desert landscape with scattered trees. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753543590-5EOW2YY1FU145BHEK4SB/IMG_0103.JPG 2 Creeks A young boy wearing a helmet and goggles riding a green Polaris all-terrain vehicle on a dirt trail with trees and grass in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753545727-QESR03ZEMGVZVUNFSYSU/IMG_0104.JPG 2 Creeks A boy lying in a red and yellow hammock outdoors on grassy ground, with trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753545838-5LD4REZ47AM9Y96HRA9V/IMG_0105.JPG 2 Creeks Room with floor mats and round cushions arranged on black mats, natural light coming through windows, cozy and minimalist interior. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753547935-TBB3FLMI34NFE6J03F42/IMG_0106.JPG 2 Creeks Cozy room with a wood stove burning fire, two floor cushions with pillows, and a wooden lattice window in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753548021-H76KAB7MVUB03PI3CS7V/IMG_0107.JPG 2 Creeks A schedule with handwritten notes indicating a meditation and walking schedule, including times and activities such as dinner and evening service. Handwritten notes emphasize the word "ZAZEN." https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753550038-M8JH0IPK1CTRPIUSCMMQ/IMG_0108.JPG 2 Creeks Two men assembling a black metal shelving unit indoors. One man is wearing a light blue shirt and a cap, the other a red shirt and jeans. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753551012-5FVC0Z7ZNKH74QMXBLMD/IMG_0109.JPG 2 Creeks Young boy in a blue plastic backyard swimming pool, wearing a cap and swimsuit, smiling at the camera on a sunny day. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753551523-BV90KDMKS7DB2EU88IZU/IMG_0110.JPG 2 Creeks A small gray and brown toad resting on a dark blue surface, beside a large, rounded, light-brown cushion. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753553931-4J1CZEXG9G38TLQH81J1/IMG_0111.JPG 2 Creeks A young man wearing a blue cap and gray T-shirt is holding a small black, white, and tan puppy outside on a dirt ground with a red tractor in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753554188-VBUJJLXSO97JSKYN113B/IMG_0112.JPG 2 Creeks A dog sitting on a black cushion atop a metal hot tub in a garage with a pumpkin pillow beside it and various objects like a fan, bicycle, and boxes in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753555910-Q4N1LVU79P3KN1F34LVX/IMG_0113.JPG 2 Creeks Close-up of a purple wildflower with small textured petals on a tall, slender stem against a blurred green background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753556301-6ELWE8QWDSOVCHQWHZM6/IMG_0114.JPG 2 Creeks A man taking a selfie outdoors during sunset, with trees, a river, and a colorful sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753559139-H9XBT0FJUZQUGSOCI9XE/IMG_0115.JPG 2 Creeks A young boy and an older man barbecuing sausages on a campfire grill outdoors with trees and cloudy sky in the background, the boy is holding a plate and the man is holding a can. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753559193-76LKW7V98F6ZHKOBS9EL/IMG_0116.JPG 2 Creeks Three boys working together on a metal grate platform beside a large pipe and orange construction equipment in an outdoor, wooded area. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753562348-UZEXM8FPX4GE4C1KF20B/IMG_0117.JPG 2 Creeks Three children standing around a green quad bike in a grassy field, all wearing helmets, with one girl on the bike reading a phone and the others looking at her. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753560951-YAJ5C8REO1A26NHO6NYH/IMG_0118.JPG 2 Creeks A family of three standing outdoors under a partly cloudy sky, looking down at the camera. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753563074-VUW0H9Q1KW87FZ6P2QUY/IMG_0119.JPG 2 Creeks A family sitting around a dining table filled with food, celebrating a meal together with four children smiling, some Christmas decorations, and a large clock on the wall. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753567815-2LGMG6PTMM48N7YP35YN/IMG_0120.JPG 2 Creeks A garden scene with a flowered tree, fallen logs, and a stone pathway. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753567046-VOBQZO9FWGG0892IJN3O/IMG_0121.JPG 2 Creeks Close-up of a pine tree branch with clusters of new pine cones among long, green pine needles. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753569505-ZQ4VQMPB8JMSXNUE08EW/IMG_0122.JPG 2 Creeks Four people taking a selfie outdoors in a wooded area, smiling at the camera. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753572323-77U9VKGC8OF49B1EL6X8/IMG_0123.JPG 2 Creeks A field of yellow wildflowers with a few pink flowers interspersed, and a blurred green background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753572690-8521AKGQ5LV66ABO2FE4/IMG_0124.JPG 2 Creeks Grilled red bell peppers, onions, and corn on the cob on a charcoal grill, with sausages in a nearby tray. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753575211-CDWDS34XQZH3FEKQTJBY/IMG_0125.JPG 2 Creeks Woman sitting in a canoe on a river, smiling, holding a paddle, wearing a wide-brimmed hat and a beige jacket, with trees and a cloudy sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753575310-CUS02XYQOKJ2M9QYD2UK/IMG_0126.JPG 2 Creeks Person sitting in a canoe on a river, wearing a beige jacket and a wide-brimmed hat, paddle in hand, with a yellow kayak and two people paddling in the background under a partly cloudy sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753577931-U368C7V7NI49QOD2RR0V/IMG_0127.JPG 2 Creeks Construction site with a metal framework for a roof, stone columns, ladder, tools, and vehicles parked outside on a clear day. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753578498-VJGNC2ADG223D2QMB40S/IMG_0128.JPG 2 Creeks A bird's nest made of twigs, leaves, and grass sits on a table with a laptop and power cords nearby. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753580268-7XIT7Q6SYZWY14ZUE78L/IMG_0129.JPG 2 Creeks A white colander filled with fresh black blackberries on a wooden table. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753580315-POMDARR978PTG86GQT5W/IMG_0130.JPG 2 Creeks A Danish pastry with a berry filling on a colorful geometric-patterned plate. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753582497-1PPTI8A9WZPL16KB6H85/IMG_0001.JPG 2 Creeks A wooden two-story house built on a hill among leafless trees, with a deck and railing, at sunset. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753583180-77GLLJJ1IL0ZH8S4GXWY/IMG_0002.JPG 2 Creeks Two tables with open paint jars, brushes, and a painting in progress; one table has a canvas with abstract pink, white, and tan strokes, the other has a partially finished blue and yellow painting. A child is standing near the table, holding a jar of blue paint. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753585650-RENAGTZAQ34496YTKKHV/IMG_0003.JPG 2 Creeks A young girl is painting on a wooden table using blue, white, and yellow paints. The painting appears to be an abstract or landscape scene. The girl is wearing striped pajamas and a white shirt featuring colorful characters. There are various paint bottles and brushes on the table and nearby. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753587400-T6B9WJ7YZ1RZTTPFZX85/IMG_0004.JPG 2 Creeks A cactus plant with numerous yellow flowers blooming against green vegetation. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753590669-DII5880ULM24E2Q22I1U/IMG_0005.JPG 2 Creeks Field of pink and yellow flowers with green foliage and trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753591330-4RV73K6LF5VKL8B65V9W/IMG_0006.JPG 2 Creeks A field of yellow and brown wildflowers with trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753597944-4I3AAOYK7559MFT2Z2C3/IMG_0007.JPG 2 Creeks A wooden fence with a sign that reads '2 CREKS' in a grassy field with trees and a clear blue sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753594095-L014I6HFW25TJ8QCUOVX/IMG_0008.JPG 2 Creeks Two shirtless children, a blonde boy and a girl with brown hair, stand on a wooden railing outdoors at sunset, with a backdrop of green trees and a colorful sky with pink, orange, and purple clouds. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753599406-T8ZYP6PQI09WOJTJ767I/IMG_0009.JPG 2 Creeks Two children with wet hair sit outdoors watching a sunset over a green landscape with trees and clouds in the sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753603743-5JAYP08W63J12TCLMM0T/IMG_0010.JPG 2 Creeks Sunset over a landscape with trees and a partially visible balcony railing in the foreground. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753608517-RPH18ARGPUCTIUOBPWVL/IMG_0011.JPG 2 Creeks An elderly man and a young boy standing by a river, smiling. The man is holding a fishing line with a caught fish near his face. The boy, dressed in a bright green shirt and a baseball cap, is holding a fishing rod and showing his catch. The background features trees and a blue sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753606624-FZWQRSTZR0DYK65HK2Y8/IMG_0012.JPG 2 Creeks A vibrant sunset with colorful clouds and two leafless trees silhouetted against the horizon. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753608959-QC95MHEXGTK728S3NQ0C/IMG_0013.JPG 2 Creeks Sunset view from a balcony with a corrugated metal roof, trees in the distance, and a partly cloudy sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753611693-ZBR7SNAA26EEBHPZA2H8/IMG_0014.JPG 2 Creeks A young girl holding a fishing rod and a caught fish, standing by a pond with dried grass around her and trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753612103-PQZ9ZFDUNW6RSS3X753X/IMG_0015.JPG 2 Creeks A young boy in an orange T-shirt and a blue Houston Texans cap is smiling and holding a fishing rod with a small fish caught on the line, standing near a pond with tall, dry grass around it. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753615779-I44WCX8C3T36UJRFRWB8/IMG_0016.JPG 2 Creeks Two children, a girl in purple shorts and a girl in black shorts, with colorful sunglasses, stand on a rocky riverbank with trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753615713-SCD9S40JFKIKGR9ZL62Z/IMG_0017.JPG 2 Creeks A clay outdoor fireplace with a fire burning inside and flames reaching out, set on a wooden deck with a scenic view of green trees and open land in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753621241-3V5R30EY7C093DKGTKPM/IMG_0019.JPG 2 Creeks A lush forest scene with green trees, yellow wildflowers, and tall grasses in sunlight. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753622579-GQNG53AMZA0NFHIE4KNT/IMG_0020.JPG 2 Creeks A grassy field with tall green grass and trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753624985-M2TFNI1OQHD8009LA5LK/IMG_0021.JPG 2 Creeks A grassy field filled with yellow and black wildflowers, some purple flowers, and a dense green leafy background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753627163-QR9KP92VOKZC9RNU5A25/IMG_0022.JPG 2 Creeks A dense patch of yellow and brown flowers, likely black-eyed Susans, with green foliage. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753629226-8C56OZ01ZII6GTPGT29W/IMG_0023.JPG 2 Creeks A grassy field with tall green grass and several leafless trees, with the sun setting or rising behind them, casting a warm glow through the branches. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753631862-TDU3O0JKK8TNKNZPVC9G/IMG_0024.JPG 2 Creeks Overgrown grassy field with small white flowers and taller green plants, with trees and foliage in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753634649-HLDFGRFN31ILBL5ERJ1G/IMG_0025.JPG 2 Creeks A bicycle resting against a fallen tree on a rocky riverbank in a wooded area with a stream and green trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753635649-6PLZA5K948X361I7AKSW/IMG_0026.JPG 2 Creeks A wooden sign reading '2 CREEKS' amidst a lush bed of yellow and purple wildflowers. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753637934-AAWMZRPNM55S1EH0M22L/IMG_0027.JPG 2 Creeks A young boy with blonde hair wearing yellow safety glasses, a gray t-shirt, and black pants is pointing to a paper target with a bullseye, which is taped to a plant outdoors. The boy is holding a yellow tape measure in his left hand. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753638147-A7J35VAEEYT61NFE6UKE/IMG_0028.JPG 2 Creeks A wood-burning stove with burning logs inside and glowing red embers, located on a tiled hearth with a large log placed in front. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753641268-Y0FLSFOS90MHTZDF118I/IMG_0029.JPG 2 Creeks Two children standing in a field of tall, dry grass next to a large leafless tree, smiling at the camera. The girl is wearing a bright yellow hat with a cartoon character and a pink jacket, while the boy wears a dark jacket and beige pants, holding a stick. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753640869-ZYCD2QX1EDOFLFP0T46U/IMG_0030.JPG 2 Creeks A young boy stands with arms crossed on a rural dirt path surrounded by trees, in a natural outdoor setting during dusk or early evening. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753645929-VR389E0XSWTCZG1QRW8P/IMG_0031.JPG 2 Creeks A landscape scene with green grass in the foreground, trees with some bare branches and some green leaves in the middle ground, and a clear blue sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753644081-1ZNNM15DMOE9YU5KCF40/IMG_0032.JPG 2 Creeks A young girl kneeling on a wooden deck, smiling at the camera, with art supplies including small bottles of paint, a bowl of water, and a paintbrush, set up for painting a large whiteboard. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753651763-DA17LGZ56SM93DSV69UQ/IMG_0033.JPG 2 Creeks Abstract splatter paint on a canvas resting on a dirty, paint-stained cloth on a wooden floor. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753649035-Q4N1NGS4RSFGYAYYTIVS/IMG_0034.JPG 2 Creeks Close-up of a white painted surface with colorful sprinkles and two small palm tree illustrations on it, part of a decorative or artistic design. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753654859-JMAK63473N3RXBT50KUW/IMG_0035.JPG 2 Creeks A young boy with curly blonde hair sits on the grass in a field of blue wildflowers, smiling at the camera and holding one flower near his face. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753655711-LMSVR5P4FCUWAHJ2RXGH/IMG_0036.JPG 2 Creeks A rural landscape with a dirt road on the right, green fields filled with yellow wildflowers, a few trees, and utility poles under a partly cloudy sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753660853-02Y1JYE5QUHGSQJW4WKR/IMG_0037.JPG 2 Creeks Wildflowers with purple and blue blooms growing among green foliage and fallen logs in a natural outdoor setting. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753661149-3WAX4MCVZ1GGXXGQB84I/IMG_0038.JPG 2 Creeks Yellow wildflowers with black centers growing in a grassy area beside a fallen, weathered piece of wood. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753663517-CGLRHEM3NQRNF3RM0PAX/IMG_0039.JPG 2 Creeks Yellow flowers blooming near a weathered tree trunk on a grassy background https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753664201-ZBGFTT7V9GHRV547NO7H/IMG_0040.JPG 2 Creeks A brown snake slithering near a tree trunk among green grass and fallen leaves on the ground. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753665063-F2STLD5M9HL5C0NFJ3EU/IMG_0042.JPG 2 Creeks A balcony or patio view at sunset, with a darkened house interior visible through a window, trees silhouetted against the colorful evening sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753666971-UJ09WVJ1LTKYAXR966IN/IMG_0043+%281%29.JPG 2 Creeks Close-up of a praying mantis with a body formed from two joined insects, one resembling a green mantis and the other a leaf-mimicking insect, on a weathered wooden surface. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753669413-UJNUR178APYUIV7BSVFA/IMG_0044.JPG 2 Creeks Two dogs sitting on a wooden deck outdoors, with trees and a fence in the background on a sunny day. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753669674-2H3BMYUY102BNUZ4RURK/IMG_0045.JPG 2 Creeks A smiling family of four standing in tall yellow grass with trees in the background during sunset. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753672774-KC4TGCKF9SVLQUUWRC6W/IMG_0046.JPG 2 Creeks Pink roses in full bloom in front of a beige outdoor yurt with a wooden deck and clear blue sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753674244-43QUNCFVNVPICICFTWH2/IMG_0047.JPG 2 Creeks A modern, multi-level house with wooden and metallic elements, surrounded by lush greenery and pink flowering bushes in the foreground, under a clear blue sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753674990-1J1J609CQI86NG9A0VMU/IMG_0048.JPG 2 Creeks A snake resting on tree branches with green leaves and lichen. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753676481-KT8MZ01XDNR5ROOAVS7K/IMG_0049.JPG 2 Creeks Three Monarch butterflies on white flowers outdoors with green foliage in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753676841-RYWERVD9BZDBQXEILDMF/IMG_0050.JPG 2 Creeks A monarch butterfly with orange and black wings resting on white flowers. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753680291-NBPNOOB52AXXSMUPW2HE/IMG_0051.JPG 2 Creeks Two men standing outdoors in tall grass near a pond with trees in the background, one in a black jacket and jeans, and the other in a beige t-shirt and dark pants, posing for a photo. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753680921-4S7CL4EZUZFU6NUV3II3/IMG_0052.JPG 2 Creeks A black barrel-style smoker grill outdoors on a patio, with a trowel and tong on top, next to a large black planter filled with pink and red roses, and a background of trees, a woodpile, and open field in a rural setting. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753682372-ZZRRG1BP3YK2JKV0YINC/IMG_0053.JPG 2 Creeks A boy wearing a white t-shirt and jeans leaning against a large tree trunk. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753683963-8A771I0RFU9U8TS9IG4S/IMG_0054.JPG 2 Creeks Rusty iron bridge crossing over a river with sandy banks and green trees under a blue sky with clouds. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753684827-YM9756GG7G4MOYV6U6XP/IMG_0055.JPG 2 Creeks A young boy smiling and sitting in a tree during daytime, surrounded by green leaves and branches. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753686446-HKUR58HENMAI4KLVBU0D/IMG_0056.JPG 2 Creeks Wicker basket on a wooden table in front of a bed with white bedding, with a colorful painted wooden sign in the foreground. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753688667-YOI0B52CRIE8OR617LVD/IMG_0057.JPG 2 Creeks A porch with a stone column, a concrete and wooden ramp, a green ceramic pot with a plant, and an expansive rural landscape with scattered trees and blue sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753690664-M8ZZ2Y6YXE8IVRH8OKWH/IMG_0059.JPG 2 Creeks Branches of trees with white flowers and green pine needles https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753692455-FCECCOZ6A99O2RLLWNSV/IMG_0060.JPG 2 Creeks Rustic porch with stone pillars, potted flowers, a round table with chairs, and a scenic rural landscape with trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753694155-M504TEHHKNKILY3I9J22/IMG_0061.JPG 2 Creeks A green ceramic pot with pink flowers sits on rocks, next to an old rusted metal plow and a small watering can with yellow flowers, on a wooden deck overlooking a grassy field and trees. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753696977-J2FCTT2MKCJPPBE306WQ/IMG_0062.JPG 2 Creeks A weathered wooden bench in a grassy natural area with trees and a small water body in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753697346-VS3SOIV1K7I5HOR8OM5I/IMG_0063.JPG 2 Creeks View of a grassy field with scattered trees and a rainbow in a cloudy sky, seen from a porch with stone pillars and a wooden ceiling. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753701876-C1GNAJW2S7SQL1TFU1EX/IMG_0064.JPG 2 Creeks A large agave plant in a grassy field with a stone wall in the background and cloudy sky overhead. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753702003-Z17PLVS3ESAURVMEUYXQ/IMG_0065.JPG 2 Creeks A woman in a pink jacket is painting a wooden table with a brush and holding a can of stain or paint outdoors on a porch or patio. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753704164-GT1XNF5HMVUQBF73JHI2/IMG_0066.JPG 2 Creeks A young man with brown hair and a white shirt sitting next to an older man with a beard and white shirt. They are sitting outdoors against a light-colored metal wall. There is a towel with a towel and some sunglasses on the table in front of them. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753705097-SZ0ZV4RNLV4M9YUNT17O/IMG_0068.JPG 2 Creeks A cozy living room corner with a leather ottoman, a guitar case, and an electric guitar on a leather sofa. In the background, there is a wood-burning stove against a wooden wall, a floor lamp, and a trash can. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753707493-QAZXH1BBHBQFAGRV4945/IMG_0069.JPG 2 Creeks An electric guitar resting on a fur blanket draped over a couch, with a lamp and remote control on a side table in a garage with a camper trailer in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753710663-W5DR297G3ZIN331ZMULI/IMG_0070.JPG 2 Creeks A young man and woman sit on a fallen log in a snowy forest, dressed in winter clothing, smiling at the camera. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753714007-M3VAPPJTTOE2DEJOBL7H/IMG_0071.JPG 2 Creeks Close-up of frosted grass blades in a field with trees and partly cloudy sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753712585-COWH8FLM81RL1LX308AI/IMG_0072.JPG 2 Creeks Icicles hanging from the edge of a roof against a blue sky with some clouds and a tree in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753715351-VV5ORRYT03BXJKNXYNUO/IMG_0073.JPG 2 Creeks A person in a brown jacket holding a large icicle on a wooden outdoor balcony during sunset, with snow-covered trees and a blue sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753716504-JY79ULHHKAJJFUFAX3SV/IMG_0074.JPG 2 Creeks A small, clear glass Buddha statue is placed outdoors on a weathered wooden surface. The background features a sunset sky with orange, yellow, and blue hues, and some trees in silhouette. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753717885-1YQWMW7ZY7QFM9DC7GN5/IMG_0075.JPG 2 Creeks A glass sculpture of a seated Buddha figure outdoors during sunset, with a crescent moon in the sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753719232-9A2PDW169ZGIGT09F1FV/IMG_0076.JPG 2 Creeks Glass Buddha statue on a dark surface against a sunset sky with a visible moon. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753720616-QWU4S1MS7VBN10R0ZMRK/IMG_0077.JPG 2 Creeks Outdoor pathway with snow and solar path lights casting star-shaped shadows, a porch with a lit lantern is visible in the background at night. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1619753722937-IKT43S9254BEK4FSU6MV/IMG_0078.JPG 2 Creeks Sunset shines through a window onto a snow-covered garden with evergreen bushes, next to a two-story wooden house with a metal roof, surrounded by leafless trees. https://www.newcapitalmgmt.com/newletters daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1558708766214-1SU49XA0EGE99SYPNTJE/May-2019.gif Newletters View Newsletter | View or Download PDF • Renewal • April Portfolio & Market Review • Webinar Recording: “Passive Pure” Model Portfolios • Do You Know Who Your Beneficiaries Are? https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1555442761038-ZKYCLH20QDLEJFIFKHC4/April-2019.gif Newletters View Newsletter | View or Download PDF • Your World • Webinar Invitation • Q1 Market & Portfolio Review • Web Browser Update • 2018 Performance Survey Results • 2019 ADV II https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1553178394592-EC8CWVTQTKSOZLC0Y3NZ/March-2019.gif Newletters View Newsletter | View or Download PDF • Orchards • Market Review - February 2019 • 2018 IRA Contributions • Last Chance - 2019 Satisfaction Survey • Charitable Giving Tax Forms https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1550094380607-ZM7LTGVXA073TFFTB25T/February-2019.gif Newletters View/Download PDF • John C. Bogle (1929-2019) • Market Review - January 2019 • Webinar Recording • 2018 Client Satisfaction Survey • Trusted Contact Persons https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1547487472085-OIN7BUE6S2IRBLZ0EJDV/January+2019.jpg Newletters View/Download PDF • A Great Bear Market Experience • New Capital Webinar Invitation: Bear Market Survival Guide • 2018 Portfolio & Market Review • 2018 Tax Reports • Transaction Fees for DFA Funds Reduced at Fidelity • 2019 Key Numbers • Technology Corner • Graphic of the Month: How Every Asset Class, Currency, and Sector Performed in 2018 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1546459892279-8ICJZDTLEH7U8ZHQZIM5/December+2018.jpg Newletters View/Download PDF • Principles • Taxes & Advisory Fees • November Portfolio & Market Review • Technology Corner • Graphic of the Month: 24 Cognitive Biases That Are Warping Your Perception of Reality https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1546896132703-BK53QL0VSFQQ5MUZEORS/November+2018.jpg Newletters View/Download PDF • More • New Website and Newspaper • 2018 Annual Conference • Market Update • Technology Corner • Graphic of the Month: Energy Transition https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539359360698-QLV7SCKE27ALER6Q2B54/October+2018.jpg Newletters View/Download PDF • Any Given Year • Last Chance to Register for the 2018 Annual Client Conference • Q3 Portfolio & Market Review • Notary Services Now Available • Graphic of the Month: The World’s Top Countries for Tourism https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536340225537-28JXFACPUQ7H0ML2DI23/September+2018.jpg Newletters View/Download PDF • Natural Capital • Portfolio & Market Review: August 2018 • 2018 Annual Conference: Save the Date https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1533827549635-3XATCRIN50QQT8GCFFJ9/August+2018.jpg Newletters View/Download PDF • Viva Mexico • July Webinar Recording & Presentation Materials • Portfolio & Market Review: July 2018 • Contacting New Capital • 2018 Annual Conference: Save the Date https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1531340010256-GHM1SSNF804S2BZMH38K/July+2018.jpg Newletters View/Download PDF • Declarations • Issue Spotlight: Tariffs and Trade Wars • Portfolio & Market Review: Q2 2018 • Upcoming Webinar Registration • 2018 Annual Conference: Save the Date https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530899752676-815CYKYNFHJ5SQQKKM2K/June+2018.jpg Newletters View/Download PDF • The Right Track • May Market Month • Box Document Transmission and Vault • Morningstar: New Client Web Portal https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530899771747-87EK5YBTDPKA3O7UIS79/May+2018.jpg Newletters View/Download PDF • Honors • April Market Review • New Capital Webinar Recording • Fidelity Retail Locations: What New Capital Clients May Expect • 2017 Performance Survey Results https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530899796012-UKN8HOKT3K76W06HE2TA/April+2018.jpg Newletters View/Download PDF • Independence • First Quarter Market Review • New Capital Webinar Registration • 2017 IRA Contribution Deadline • 2017 Performance Survey Results https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530899838633-EN3TBRPAKIFM7V2UODY4/March+2018.jpg Newletters View/Download PDF • Evils That Never Happen • February Market Review • Fidelity 2-Step Authentication with VIP Access • 2017 IRA Contribution Deadline • 2017 Performance Survey https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530899869873-V7WE1ZTZKAGW3QRQMX86/February+2018.jpg Newletters View/Download PDF • Markets Turn Down • Fiduciary Obligations and Down Markets • Discretion • New Capital Webinar Recording • January Market Review • Fidelity Tax Form Delivery Schedule https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530899907252-AN0UWEHKDVYXOI8IVHQ7/January+2018.jpg Newletters View/Download PDF • Storms and Boats • 2017 Performance Survey • New Capital Webinar Invitation • To Bit or Not To Bit: What Should Investors Make of Bitcoin Mania? • 2017 Annual Market Review • New Year, New Office https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530899934483-HWI3K0QQQPTQ3OVLYKQ4/November+2017.jpg Newletters View/Download PDF • The 2017 Annual Conference • Conference Materials and Handouts • Market Review - October 2017 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1532716371156-1DDXO9PXTXCU00PW6RAD/October+2017.jpg Newletters View/Download PDF • The 2017 Annual Conference • Tom Okamoto (1957-2017) • Annual Conference • Quarterly Market Review: July-September 2017 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530899976743-6P298DZ1G1R6ZE3PNTI1/September+2017.jpg Newletters View/Download PDF • Harvey’s Aftermath • Equifax Security Breach • 2017 Annual Conference • Market Review: August 2017 • Free Financial Counseling Following Hurricane Harvey https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530900011185-BLQM70BT1FRMQNGVHYIU/August+2017.jpg Newletters View/Download PDF • Summer Road Trip: Chicago to Quebec • 2017 Annual Conference • Market Review - July 2017 • Fidelity Charitable Reports • Catherine Bahr’s 5 year NCM Anniversary https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1530900035270-8875GC66IQMRA7NCKUQY/July+2017.jpg Newletters View/Download PDF • Chief Investment Officer, Todd Centurino, CFA • 2017 Annual Conference • Social Networking & Communication Tools • Quarterly Market Review: April - June 2017 https://www.newcapitalmgmt.com/clinic-banks daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539790585374-KH0AS148P61GC81Q0HQO/living.jpg Clinic - Banks Living room with a beige sofa and two orange pillows, black armchair, wooden coffee table with remote, green walls, stone fireplace, wood floor, window with greenery outside. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539790987242-1XWLS9F13TVVUWXBY16W/fountain.jpg Clinic - Banks A small, dried-up maple tree planted in a pot with a water fountain feature in the middle, outdoors against a grey wall. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539790492718-6VP9GWNYYKCXXJT08RZX/study.jpg Clinic - Banks Home office with a large front window, desk with a laptop, chair, and outdoor garden view. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539790493870-J8PVT8N2WIE1QSXYRNY0/kitchen.jpg Clinic - Banks Modern kitchen with wooden cabinets, stainless steel appliances, a white dining table with four white chairs, and a window with a view outside. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539790492258-4ATFHD6US5HI7LBJK5AH/meditation.jpg Clinic - Banks Low to the ground black meditation cushion with a bolster on a dark cushion in front of large glass windows showing a garden with trees and rocks. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539790493481-SNTGNK8K6V8BNAAMYPJA/master.jpg Clinic - Banks Bedroom with a large window, bed with pillows, two clear chairs, a blue glowing orb, and a window shade partially covering the window showing trees outside. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539790494929-A7JA8H1LCBX4WF2BSAQ6/kitchen2.jpg Clinic - Banks Kitchen with light green cabinets, a white dining table, and a round ceiling light https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539790494940-HECCU2NHX09WTOBFBFRZ/bath.jpg Clinic - Banks Bathroom with a window, sink with a silver faucet, shelf with stacked white towels, bathtub with shower, and mirror. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539790989906-D98HNDGNKXUTU1AMDNTM/rocks.jpg Clinic - Banks Three large rocks placed on gravel in front of bamboo and a metal building wall. https://www.newcapitalmgmt.com/history-timeline daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1538155563370-F2NZJK76DUWQ9IGQOSXB/2004.gif History Timeline • New Capital Management founded • SEC Registration • Start of custodial relationship with Fidelity Investments https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537903482334-TNROTF0B7MH1NRBHWXA9/2005.gif History Timeline A timeline graphic with the year 2005 prominently displayed at the top, with no other visible details. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537903546698-ZPH9S23RA21VT2YUH44F/2006.gif History Timeline • Life Planning training with the Kinder Institute • Move to 4203 Montrose • $500k in assets under management https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537903558527-LB6DP52RO463SLYCFFN6/2007.gif History Timeline • $125 million in assets under management https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537903611738-7FCEE6HVGGBJL70RRBW8/2008.gif History Timeline • Start of Dimensional Fund Advisors relationship • $97 million in assets under management https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539118570189-MHEV4QPXECN6J83IMZMH/2009.gif History Timeline • March 2009: End of bear market, New Capital retains all clients through Global Financial Crisis • $161 million in assets under management https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536370206762-YNCJ5SJI7WB666R5Q8SW/2010.gif History Timeline • $97 million in assets under management https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537903641211-ZECVXX9YV8PWJTXORWZ6/2011.gif History Timeline • $203 million in assets under management https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537935911381-7PYIM2HHLQ94KK1WRLC9/2012.gif History Timeline • Catherine Bahr joins New Capital • $240 million in assets under management https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537903641524-SZ15KODHUBL6KO82RXPF/2013.gif History Timeline • $291 million in assets under management https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1536370207238-UAZ6NMYSORNEIMMZBNW7/2014.gif History Timeline • $327 million in assets under management https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1537936014821-BLDB162GI6XYRVM4DZ3M/2015.gif History Timeline • Jaycee Smalley joins New Capital • $335 million in assets under management • First Annual Client Conference https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539118786005-Z6ID8YLTF55F22CEO93H/2016.gif History Timeline • Model Portfolios Introduced • $382 million in assets under management • Second Annual Conference https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1581455492466-Y6C78BDDO8TLFYPZGV4O/2017.gif History Timeline • Move to 4119 Montrose • $377 million in assets under management • Third Annual Conference https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539136877762-HJI3KTQDKE2B8Y473JZE/2018.gif History Timeline • Membership in Financial Therapy Association • New website launched • $252 million in assets under management • Fourth Annual Conference https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1582056281762-0BKALB4IOKH2W3FR9A6L/2019.gif History Timeline • Jaycee Smalley earns CFP designation, promoted to Financial Planner. • New Partnerships: DPL, Strata Trust, Guideline 401k, RightCapital, & Medicare Back Office. • $288 million in assets under management • Fifth Annual Conference https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1660839873462-TCMLTEK1M05496F41BGI/2020.gif History Timeline • Video client meetings offered in response to COVID pandemic. • $328 million in assets under management • Sixth Annual Conference (VIRTUAL) https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1660839452497-9V4VVV6E62HKUACJUROQ/2021.gif History Timeline • NCM360 access for clients • Conversion to Orion portfolio accounting • $384 million in assets under management • Seventh Annual Conference https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1660839282723-K2UPR57DV0A49FEK4GIL/image-asset.gif History Timeline • Casey Moss joins New Capital • Move to 3355 W. Alabama • First Money Mindfulness Meditation webinar • $370 million in assets under management • Eighth Annual Conference • New Partnerships: Trust & Wills, Vontobel, https://www.newcapitalmgmt.com/clinic-office daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539637932521-10W44R9RKKC65M4H7A2T/lobby+letters-sm.jpg Clinic-Office Office waiting area with beige chairs, glass coffee table, window with natural light, and a wall with the text 'NEW CAPITAL' in black letters. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539637978177-95B9NVI8TX8YMIVO7YFC/enso-sm.jpg Clinic-Office A framed artwork of a large white question mark on a black background with white paint splatter effects. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539638087881-2RW4DFTJ7ZXY66100H9R/conference+room-sm.jpg Clinic-Office Conference room with an oval wooden table surrounded by six yellow chairs, a window, a vase with decorative branches, and a mounted flat-screen TV. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539638098147-F5XCOTO8DXX5X7T7CQ1J/hallway+2-sm.jpg Clinic-Office Abstract painting with black, white, and multicolored brushstrokes hanging on a beige wall in a hallway. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539638110941-4WJA5RIPZMK75OEVRZX7/lobby+red+shapes-sm.jpg Clinic-Office Three hanging banners with geometric shapes: triangle, circle, square, in an indoor waiting area with two beige chairs and a glass coffee table with magazines. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539638127888-ZPZORUWQU5B0Q0FL5LLD/hallway-sm.jpg Clinic-Office Interior view of a modern home with artwork on the walls, a doorway, and a partial view of a room with yellow chairs. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539638139742-PSSCW06HLQB2FRS3G600/cb+office.JPG Clinic-Office Empty office desk near large window with cityscape view, computer monitor, keyboard, mouse, notebook, pen, and desk lamp. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539638153982-MC82NS1VOURZ1OOHQANF/redart-sm.jpg Clinic-Office Red-framed bulletin board with faint green text, partly visible, on a gray wall. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539638166444-5S0JSZJH94FPOP2S5GO8/conf+room+table+flowers.JPG Clinic-Office A black geometric vase containing white and red flowers on a wooden table near a window with blinds. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539638191367-15MNXN2OHMW4G6G0KO7S/living+room-sm.jpg Clinic-Office A modern living room with floor-to-ceiling windows, two white sofas, two black armchairs, a small glass coffee table with a globe, and a green potted plant. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539638286833-CIEOTMD6NQB0XDIVSJKP/plant+horizontal-sm.jpg Clinic-Office Tall beige vase with decorative branches, yellow flowers, and green foliage, placed against a wall near a window with blinds. https://www.newcapitalmgmt.com/partners-logo-gallery daily 0.75 2025-08-12 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1559590072931-68B8SWTFORNZSO7SPH8X/fidelity.gif Partners - Fidelity Investments (Copy) Fidelity Investments Fidelity Investments, based in Boston, MA, is the fourth largest asset manager in the world, with $2.4 trillion in assets at the end of 2017, and serves as New Capital Management’s primary custodian for client accounts. New Capital has worked with Fidelity’s institutional advisor services division since our founding in 2004. Fidelity provides New Capital with a broad range of back office services including account management and compliance, trading, and client statements and tax reporting. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1559589991219-GG93TWGM2YW41OIGF4E2/dimensional.gif Partners - Dimensional Fund Advisors (Copy) Dimensional Fund Advisors Dimensional Fund Advisors (DFA), headquartered in Austin, TX, is one of the largest mutual fund companies in the world with over $500 billion in assets under management. DFA’s founders, directors, and researchers are among the world’s most recognized and accomplished financial academics, including David Booth, Eugene Fama (Nobel Laureate Economics 2013), Robert Merton (Nobel Laureate Economics 1997), and Myron Scholes (Nobel Laureate Economics 1997). DFA distributes its unique funds solely through qualified and approved financial advisors, including New Capital Management since 2008. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1559590085971-ZORPHF18H9VGI6WFAIJ0/vanguard.gif Partners - Vanguard (Copy) Vanguard The Vanguard Group, headquartered in Malvern, PåA, is the world’s largest provider of mutual funds and the second largest provider of public exchange traded funds. Well known for its low cost indexed approach to investing, pioneered by its founder John Bogle, Vanguard provides New Capital and its clients with access to among the lowest cost investment vehicles available to the market. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1559590126130-WVZ1U8KZ01LSPAYP3J0W/blackrock.gif Partners - BlackRock (Copy) BlackRock Blackrock, based in New York City, is the world’s largest asset manager, with $6.3 trillion in assets under management. Blackrock is the leading provider of Exchange Traded Funds (ETF’s) through its iShares branded funds, which New Capital makes use of for client portfolios. Blackrock is also highly regarded for its fixed income investing prowess including its Aladdin database of bonds. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1559590138434-WVIB0Q3E9J6N5QMAHXDZ/jpmorgan.gif Partners - JPMorgan Chase (Copy) JPMorgan Chase JP Morgan Chase is the largest American bank and the world’s most valuable bank by market capitalization, with $2.5 trillion in assets. JPM provides New Capital with its suite of mutual fund products and its regular market-focused thought leadership, especially its Guide to the Markets, which New Capital uses to monitor market trends. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1570115503043-DBFK0GGD7V0NERFRUWK8/rightcapital.gif Partners Right Capital company logo with circular arrow design and bold text. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1559590112949-FITS2UEXBD9P8UG6K84S/riskalyze.gif Partners - Riskalyze (Copy) Riskalyze Riskalyze is a leading provider of risk tolerance testing tools which New Capital uses to help determine client portfolio assignments and preferences. Riskalyze’s flagship tool is based upon the Nobel Prize winning Kahneman-Tversky prospect theory experiments. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1572982519435-SS5GKISS32FGVJ0TPY1Y/fidelity-charitable.gif Partners Fidelity Charitable logo with black and white text and a starburst icon. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1559590010635-6HJZPPPB3W733O17J1XH/dpl.gif Partners Logo for dpi financial partners with black text and a black square outline around 'dpi' on a white background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1559590024578-DF657A0J84KEUXQ8S5Q1/guideline.gif Partners Guideline logo with a abstract geometric symbol to the left of the word 'Guideline' in black text. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1559590058376-H045OQPY406GDH5E42Q9/strata.gif Partners Logo of Strata Trust Company, featuring a black geometric design and text https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1670948864967-NF6LNEDIOJX7PU4BG91V/medicare-back-office.gif Partners Medicare BackOffice logo by Insuractive. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1670949105444-ZDAEDX21QWSQK0E6CIYX/ponterra.gif Partners Logo of Ponterra with a stylized P and the company name in black text https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1670949114544-QL7545R9D8NI13WUI5R6/vontobel.gif Partners Vontobel logo in black text on a white background https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1670949234985-UABDW3NDKOLCOSAQIV22/trustandwill.gif Partners The words 'trust & will' written in bold black letters with a stylized ampersand between them https://www.newcapitalmgmt.com/company daily 0.75 2026-03-26 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/aaa479ff-96cb-4ce0-bb69-ab2ebae8f531/cfa-institute.png About Us https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/69e09fbc-d1ad-49c7-a3eb-e482b66024da/cfp-board.png About Us https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/edb178ed-cc78-4c34-bbee-14eeeae47e0a/FTA-left%403x.png About Us https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/091415e7-0401-4f3f-b689-9a6576860e42/leonard-golub.jpg https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/74517e6c-dd40-437f-b93e-0a4e2afd96eb/jaycee-smalley.jpg https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/fd771f14-59d3-4fac-8a19-f58ca5f8bcb2/casey-moss.jpg https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/29a4c425-8c3e-4c96-b066-840d6a4e95c3/catherine-bahr.jpg https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7bdb42a5-5def-41c4-9220-3cd0dcd5ed2b/DD---1x1.gif https://www.newcapitalmgmt.com/administration-gallery daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539375219674-MU66IZKWX261N7PW05OW/image-asset.jpeg Administration - Account Administration (Copy) Account Administration We assist clients with all aspects of their accounts, making it easy to maintain an organized and stress-free financial life. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539375293382-PK7J3TT51N9HVMSM7MVK/image-asset.jpeg Administration - Money Movement (Copy) Money Movement Moving money between accounts, between different banks, to third parties, or in large or small quantities can be nerve-wracking. Our deep experience helps clients rest assured that their funds will arrive where, when, and how much intended. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539375358363-GWBANVOD022M30W4WESK/image-asset.jpeg Administration - Technology (Copy) Technology We provide technology assistance to our clients in several different areas including basic and advanced application use, security implementation, and device assistance. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1539375441025-J0K3QN2ZW15QML09D8VE/image-asset.jpeg Administration - General Administration (Copy) General Administration Maintaining a smooth client relationship requires efficient scheduling of meetings, exchange of forms and paperwork, contacting account custodians and transfer agents, working with other professional service providers, and much more. https://www.newcapitalmgmt.com/fidelity daily 0.75 2025-06-05 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https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304158-8DPZEDY8BJ9426G3D7ZS/guideline.png RightCapital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304780-91Y9913BA720CZN51HCH/jpmorgan-chase.png RightCapital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304863-LME9NTL9WIV2UKFNVQB6/medicare-back-office.png RightCapital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329305503-1LVLL7BNS6U01ZBADNSW/pontera.png RightCapital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329305504-SNUE0HTQ2CM125C80GVQ/rightcapital.png RightCapital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306092-G7CD24ICLU6X3DM4OD16/riskalyze.png RightCapital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306140-RYBRR1FT0S735KUI28PJ/strata.png RightCapital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306717-WRTX2F82OCJS5SUJOJZ4/trust-and-will.png RightCapital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306792-8E4YN5BKVHEN0088U7TO/vanguard.png RightCapital https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329307439-F36OVAE6EFQS6LPFNV1T/vontobel.png RightCapital https://www.newcapitalmgmt.com/riskalyze daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329302891-UIKHGG7I7JXM3P8YQ3P6/blackrock.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329302891-BD9K6E8GMD8EZZK8N49R/dimensional.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329303450-MMHFBY2N1LJZRLCBE3SF/dpi-financial-partners.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329303533-IS8M9NQTAUNYOCBGUDR6/fidelity-charitable.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304067-P7BFWEQ9NYAOVG069XWA/fidelity-investments.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304158-8DPZEDY8BJ9426G3D7ZS/guideline.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304780-91Y9913BA720CZN51HCH/jpmorgan-chase.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304863-LME9NTL9WIV2UKFNVQB6/medicare-back-office.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329305503-1LVLL7BNS6U01ZBADNSW/pontera.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329305504-SNUE0HTQ2CM125C80GVQ/rightcapital.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306092-G7CD24ICLU6X3DM4OD16/riskalyze.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306140-RYBRR1FT0S735KUI28PJ/strata.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306717-WRTX2F82OCJS5SUJOJZ4/trust-and-will.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306792-8E4YN5BKVHEN0088U7TO/vanguard.png Riskalyze https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329307439-F36OVAE6EFQS6LPFNV1T/vontobel.png Riskalyze https://www.newcapitalmgmt.com/fidelity-charitable daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329302891-UIKHGG7I7JXM3P8YQ3P6/blackrock.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329302891-BD9K6E8GMD8EZZK8N49R/dimensional.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329303450-MMHFBY2N1LJZRLCBE3SF/dpi-financial-partners.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329303533-IS8M9NQTAUNYOCBGUDR6/fidelity-charitable.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304067-P7BFWEQ9NYAOVG069XWA/fidelity-investments.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304158-8DPZEDY8BJ9426G3D7ZS/guideline.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304780-91Y9913BA720CZN51HCH/jpmorgan-chase.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304863-LME9NTL9WIV2UKFNVQB6/medicare-back-office.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329305503-1LVLL7BNS6U01ZBADNSW/pontera.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329305504-SNUE0HTQ2CM125C80GVQ/rightcapital.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306092-G7CD24ICLU6X3DM4OD16/riskalyze.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306140-RYBRR1FT0S735KUI28PJ/strata.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306717-WRTX2F82OCJS5SUJOJZ4/trust-and-will.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306792-8E4YN5BKVHEN0088U7TO/vanguard.png Fidelity Charitable https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329307439-F36OVAE6EFQS6LPFNV1T/vontobel.png Fidelity Charitable https://www.newcapitalmgmt.com/dpl daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329302891-UIKHGG7I7JXM3P8YQ3P6/blackrock.png DPL https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329302891-BD9K6E8GMD8EZZK8N49R/dimensional.png DPL https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329303450-MMHFBY2N1LJZRLCBE3SF/dpi-financial-partners.png DPL https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329303533-IS8M9NQTAUNYOCBGUDR6/fidelity-charitable.png DPL https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304067-P7BFWEQ9NYAOVG069XWA/fidelity-investments.png DPL https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304158-8DPZEDY8BJ9426G3D7ZS/guideline.png DPL https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304780-91Y9913BA720CZN51HCH/jpmorgan-chase.png DPL 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DPL https://www.newcapitalmgmt.com/guideline daily 0.75 2025-06-05 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329302891-UIKHGG7I7JXM3P8YQ3P6/blackrock.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329302891-BD9K6E8GMD8EZZK8N49R/dimensional.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329303450-MMHFBY2N1LJZRLCBE3SF/dpi-financial-partners.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329303533-IS8M9NQTAUNYOCBGUDR6/fidelity-charitable.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304067-P7BFWEQ9NYAOVG069XWA/fidelity-investments.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304158-8DPZEDY8BJ9426G3D7ZS/guideline.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304780-91Y9913BA720CZN51HCH/jpmorgan-chase.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329304863-LME9NTL9WIV2UKFNVQB6/medicare-back-office.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329305503-1LVLL7BNS6U01ZBADNSW/pontera.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329305504-SNUE0HTQ2CM125C80GVQ/rightcapital.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306092-G7CD24ICLU6X3DM4OD16/riskalyze.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306140-RYBRR1FT0S735KUI28PJ/strata.png Guideline https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1705329306717-WRTX2F82OCJS5SUJOJZ4/trust-and-will.png Guideline 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https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1c00a3a3-f48b-4f86-8ff4-796c49205eb9/grass.jpg Leonard Golub A family of four smiling outdoors in a field with tall grass, with trees in the background, during daytime. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3d6ed852-1526-4d3d-905f-c5d94e092eac/hannah-augie.jpg Leonard Golub Woman wearing sunglasses smiling with a young boy on her back in a wooded area https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9dfc19e3-b3b0-4ccd-b4b8-654fcad77d62/hilltop.jpg Leonard Golub Smiling woman wearing sunglasses carrying two young children on her back outdoors on a grassy hill with trees and a clear blue sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/c3c0340f-128e-455a-862e-99731d8163dc/beach.jpg Leonard Golub Two children at the beach; one running in the shallow water and the other squatting on the sand, with the ocean and blue sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/649d9c8b-1eb6-4a26-b663-c86aa56cb8a1/presenting.jpg Leonard Golub Businessman pointing at a presentation slide showing a pie chart and asset allocation details, including cash, US stocks, non-US stocks, bonds, and other assets. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/8a3646c2-1bdd-4175-8d85-26b47587a6bd/leonard-hannah.jpg Leonard Golub A woman kissing a man on the cheek in front of a white background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/2e05bf42-a841-4b54-90f3-af31922f7487/halloween.jpg Leonard Golub Two young children dressed in Halloween costumes, one with a furry black and white hat, the other wearing a hat resembling a pumpkin. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1b20ed36-18a7-4694-9651-7087c30d0afd/mountain.jpg Leonard Golub Snow-capped mountain with pine trees along a curving road under a partly cloudy blue sky. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ca9bc97a-81f7-4174-a6fe-dfac864a4b66/ranch.jpg Leonard Golub A man sitting outdoors on a log, with trees in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/66ac9499-c695-4035-9b97-3ed9ffda9107/smiling---video.jpg Leonard Golub A man smiling and looking at a woman, sitting indoors, holding a notebook. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ba011051-a533-4c1d-8a24-b1d5dc3bd2af/ranch-sunset.jpg Leonard Golub View of a sunset sky seen from a balcony with a nightstand and a lamp inside a room, sliding glass doors, and a partially covered outdoor area. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/360498d1-ee25-4153-99d5-2209120aceac/skiing.jpg Leonard Golub Two children dressed in winter clothing standing outdoors in snow, holding onto a wooden post. 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https://www.newcapitalmgmt.com/catherine-bahr daily 0.75 2026-03-25 https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/1bf93dcd-ab6a-4ea9-99e0-8e1b767b3786/97AD06D3-519F-4881-8796-375EA6B3E8EE.jpg Catherine Bahr A family of three outdoors standing on a wooden bridge surrounded by green trees, smiling at the camera. The boy is wearing a red shirt and blue jeans, sitting on the bridge railing. The woman has blond hair and is wearing a red plaid shirt. The man has blond hair and is wearing a blue long-sleeve shirt. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/e5b56f4c-2057-4139-a449-3920313c3f87/0F9B0E84-E17A-4109-BD42-56E98E6C38F4.jpg Catherine Bahr A woman and a young boy taking a selfie outdoors, both wearing sunglasses. The woman has her hair in a bun, and the boy has messy blond hair. 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The bride is holding a bouquet, and the couple appears happy and affectionate. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/74dee153-f2ce-4d06-8076-d0c87b8f32ab/glacier-0000.jpg Catherine Bahr Two people in winter clothing smiling on a snow-covered mountain with glaciers and snow-capped peaks in the background, holding ice axes, suggesting they are on a glacier hike or mountain expedition. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a7c5aa05-084a-4426-b004-f42cf7867922/IMG_8474-darker.jpg Catherine Bahr A smiling family of three sitting in tall grass outdoors, with the woman and man holding their young child, all wearing green and black plaid shirts. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/bcb24563-53f5-41d3-9d0d-1616d5bce341/engagement-0000.jpg Catherine Bahr A smiling young woman and young man sitting on the ground outdoors, each holding a pet dog and cat, with tall grass in the background. 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Bahr Woman wearing sunglasses and striped shirt smiling in a busy waterfront area with historic buildings and boats in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/06fd99e9-92c6-47dc-a993-7747198cecf3/fishing.jpg Catherine Bahr Woman sitting on a boat holding a fishing line with several large fish she caught. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/37a67db1-1b1e-4941-b88d-a222c8478b5f/waterfall-0000.jpg Catherine Bahr Woman sitting on grass near a waterfall with a rainbow in the background https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/659ea184-b72e-405a-9adb-f40a391041ef/wedding-cake-0000.jpg Catherine Bahr A happy couple with the man leaning in to kiss the woman on the forehead, both smiling, during a celebration or party. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/39d44d17-bb1a-402e-b972-8d0b60751cbc/wedding-dad-0000.jpg Catherine Bahr Wedding couple walking 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Woman with sunglasses sitting on rocks in a mountain landscape, holding a camera, with mountains and blue sky in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/15cd6b1d-053d-4874-a10a-b7c52d043120/crossfit-0000.jpg Catherine Bahr Woman lifting a barbell overhead during a workout session at a gym, with two other women in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ac39478e-fb28-4f80-8341-771e519efdc2/DB72ABFF-6507-40DB-B37C-C03A6B407F9E_1_105_c.jpeg https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/091415e7-0401-4f3f-b689-9a6576860e42/leonard-golub.jpg https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/74517e6c-dd40-437f-b93e-0a4e2afd96eb/jaycee-smalley.jpg https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/9329013d-d7a6-492b-ba5d-ad85a9a4cc27/casey-moss.jpg 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Bulldog sitting on a stone patio next to an orange pumpkin and a pot of orange chrysanthemums, outside a house. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/80f947e3-bcc6-4c8f-a6c5-49d01e20533d/CBB93809-481B-471E-AF28-581B704BC7F5.JPG Jaycee Smalley A smiling young woman with long brown hair and a young man wearing a light blue baseball cap, standing close together in front of green leafy bushes. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/7cd5ebfe-1abb-44ff-97de-bf5f45d3d2ec/IMG_3909-2-1.jpg Jaycee Smalley Four people smiling and hugging a Santa Claus figure holding a green gift box in front of a decorated Christmas tree and a wall with a 'Seasons Greetings' sign. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/ec0d30e9-30aa-4b14-84ca-aba9102e9bee/IMG_4978.jpeg Jaycee Smalley Three women posing together on a tropical pathway with lush vegetation and a thatched roof hut in the background. 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cloudy sky overhead. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/a5bdb9f7-abcc-43cf-ad6e-1db7448a9c3e/BDDD7350-AEB3-4473-9F7E-6F518A5F69B2_1_201_a.jpg Jaycee Smalley Silhouette of a couple holding hands and touching foreheads near the water's edge during sunset. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/4a717cc9-29d8-486c-97a2-f0a91460231f/32FD5D4D-8EAD-4D49-861A-4F7551291F28_4_5005_c.jpeg Jaycee Smalley A smiling man and woman taking a selfie outdoors with a mountain and buildings in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3f7b6a1f-25dd-4a34-87e2-b6f0067ca3f9/2CB6236D-5A66-4F8A-B138-50C251ECAAAA_4_5005_c.jpeg Jaycee Smalley Person in a red jacket ski skating on snow-covered ground in a dense pine forest. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/f9785e4f-b4b2-4864-bf84-acda97f8a470/36E3F07F-03A6-44F8-BC85-054963A6FC6F_4_5005_c.jpeg Jaycee Smalley Four friends standing on a grassy area by the water, with trees and a boat in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3ee58e6a-ded1-45e6-aa1e-c600f7a5dcf8/18A7992B-548E-4975-AD60-AE9E759C0484_1_105_c.jpeg Jaycee Smalley Three smiling women outdoors on a sunny day, close together for a selfie, with trees and parked cars in the background. https://images.squarespace-cdn.com/content/v1/5a29de13e5dd5b5fb7021e6c/3453e3e8-67ca-436f-9ab4-769725694a0b/28EC4F93-C843-447E-AD7E-3EBC68A412B0_4_5005_c.jpeg Jaycee Smalley A smiling young woman with brown hair, wearing a cream sweater and mustard skirt, sitting next to a young man with dark hair, wearing a Halloween-themed hoodie, on their front porch. 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