Strathmore Capital Advisors

Dollar-cost averaging is a concept where you invest a set amount on a regular schedule, regardless of what the market is doing. While research has shown that investing a lump sum often comes out ahead mathematically, that's not always how life works. For some people, a disciplined, automatic approach can make it easier to put cash to work and stick with a long-term plan.

As Daniel J. O'Rourke shared with U.S. News and World Report:

"Markets have historically risen more often than they have fallen, so investing a lump sum immediately has generally produced better results than leaving part of it in cash and investing gradually. Dollar-cost averaging is less about maximizing the expected return and more about minimizing the chance that fear keeps someone from investing at all. The mathematically optimal strategy is worthless if an investor cannot live with it.”

This article looks at the tradeoffs between investing all at once and investing gradually, along with the role dollar-cost averaging can play in helping investors stay committed to a long-term plan.

You can read more here.

https://money.usnews.com/investing/articles/what-is-dollar-cost-averaging

Thank you for including us, Kate Stalter!

What Is Dollar-Cost Averaging? Investors who automate their contributions never have to decide whether right now is the best time to buy.

Camp and travel expenses drop off in August, but it’s right as school fees, activity registrations, and lunch accounts start to pick up.

So, now is a good time to revisit your budget and knock out a few financial tasks before the fall gets busy.

Our latest blog looks at several simple ways to do this.

https://strathmorecapadv.com/the-financial-side-of-back-to-school-season/

We had a great dinner last night at North Italia!

It’s always so fun when we get together outside of the office, especially when we have team members come from out of town.

It was a great way to kick off the week!

Quick question: how many online accounts do you actually have?

Banking, streaming, shopping, healthcare, travel, utilities... the list keeps getting longer.

We've spent years being told to create strong, unique passwords for every account. Good advice, but how realistic is it when most of us have dozens, or even hundreds, of online accounts?

In the latest edition of Digital Life, Taylor Faw explores why people struggle with password security, why password reuse is so common, and how to make protecting your accounts much more manageable.

Read more here. ➡️ https://strathmorecapadv.com/digital-life-the-password-youve-already-forgotten/

When it comes to small business tax planning, there are a lot of things to consider.

In a recent webinar, Director of Tax, David Bardin, discussed tax planning considerations that business owners may encounter throughout the life cycle of a business, from entity selection and retirement plans to family employment strategies and exit planning tips, including:

🔹Business entity considerations, including S corporation elections
🔹SECURE Act 2.0 retirement plan tax credits
🔹Family employment planning opportunities
🔹Section 1202 and Section 1244 considerations for business exits

He covered a lot of great tactics to potentially help your business capitalize on tax planning opportunities, and you can check them out at the link below.

➡️https://strathmorecapadv.com/webinar-replay-tax-planning-opportunities-for-small-business-owners/

Asset allocation gets most of the attention when people talk about investment portfolios, but it’s important to remember that asset location can matter too.

In a recent Think Advisor article, Daniel J. O'Rourke said:

"Asset location usually works quietly in the background. Quiet decisions may not appear significant in a single year, but over long periods, they can have a meaningful cumulative impact."

The article discusses common asset location mistakes and why the way investments are positioned across taxable, tax-deferred, and tax-free accounts can affect after-tax results over time.

It’s a good reminder that sometimes the smaller details deserve just as much attention as the investment selection itself.

Get the full article at the link below.

5 Mistakes to Avoid With Asset Location Where assets are held — in taxable, tax deferred or tax-free accounts — really matters.

We’re excited to share another milestone. As of August 4, 2026, Strathmore Capital Advisors has surpassed $1 billion in assets under management. 🎉

This achievement reflects the trust our clients place in us and the relationships we've built over the years.

As we've grown, we've continued to expand the ways we support clients, from comprehensive tax planning and estate planning services to expanded investment expertise rooted in an evidence-based investment philosophy. While our services have evolved, our focus remains the same: providing personalized guidance that helps individuals, families, and business owners navigate important financial decisions.

We're grateful for the clients, team members, and professional partners who have made this milestone possible, and we're excited for what the future holds.

Learn more about this at the link below!

➡️ https://strathmorecapadv.com/strathmore-capital-advisors-surpasses-1-billion-in-assets-under-management-aum/

For many business owners, retirement plans, hiring decisions, and succession planning are often discussed separately, but they can actually play a role in your overall tax strategy.

Join Director of Tax, David Bardin, CPA, PFS, for our upcoming webinar, “Tax Planning Opportunities for Small Business Owners,” on Thursday, August 6th at 12:00 PM ET.

He will discuss several planning areas that may help business owners better understand available tax opportunities and considerations, including:

🔹Qualified Small Business Stock (QSBS)
🔹Retirement plan tax credits and incentives
🔹Hiring family members in the business
🔹Strategies to consider before a future ownership transition

We hope you can join us!

42850c13-52bc-4355-986f-bf6bcfcfedb5@a69e003b-6042-49de-b51c-f58cf17e77fb" rel="ugc" target="_blank">https://events.teams.microsoft.com/event/42850c13-52bc-4355-986f-bf6bcfcfedb5@a69e003b-6042-49de-b51c-f58cf17e77fb

For many business owners, retirement plans, hiring decisions, and succession planning are often discussed separately, but they can actually play a role in your overall tax strategy. Join Director of Tax, David Bardin, for our upcoming webinar, “Tax Planning Opportunities for Small Business Owners,” on Thursday, August 6th at 12:00 PM ET.

He will discuss several planning areas that may help business owners better understand available tax opportunities and considerations.

Topics include:

🔹Qualified Small Business Stock (QSBS)
🔹Retirement plan tax credits and incentives
🔹Hiring family members in the business
🔹Strategies to consider before a future ownership transition

We hope you can join us!

➡️

Microsoft Virtual Events Powered by Teams Microsoft Virtual Events Powered by Teams

Headlines grab attention quickly, and it can be easy to feel like you need to respond to them, but the challenge is that rushed investment decisions don’t often age well.

Selling after a stretch of negative coverage, moving to cash without a clear next step, or shifting into whatever part of the market is getting the most attention usually comes down to reacting to what’s already happened instead of what’s ahead.

A better way to handle it is to treat headlines as context rather than direction.

You can do this by:

✔️ Checking if anything in your long-term plan has changed
✔️Separating what’s new information from what’s just getting more attention
✔️Giving yourself time before making any portfolio changes
✔️Having a short list of situations that would justify a real adjustment

News still matters but should be used more as a check-in point than something you should react to immediately. That’s where we come in. We can help answer any questions you may have about this.

Please feel free to reach out if you have any questions at all.