Dyer & Co. LLC

This month: S&P 500 hits new highs, a $35 billion hedge fund just relearned LTCM's 1998 lesson, and sports betting still isn't investing. Plus: a free financial education series this October with The Charlotte Ledger. Read the August newsletter here: https://conta.cc/46u0Lci

Climbing the Wall of Worry Email from Dyer & Co. FDIC coverage, a $35 billion face-plant, and free financial education this fall.   Climbing the Wall of Worry Down Market Game Plan By Gray "The market climbs a wall of worry." E

This month: what a week without cell service taught us about attention, why Kansas City quietly outperformed New York during the World Cup, and why the S&P's headline gain is doing a lot of work to hide what's really happening underneath. Read the July newsletter:
https://conta.cc/4x50qrL

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Happy Summer! Our June newsletter is out, and we're talking about electricity bills and the quirks of the Dow. We try to put a trillion into perspective. Plus we offer a gentle reminder that timing the market is not a prerequisite for building wealth over time.
https://conta.cc/3R6Amx7

We Shine a Light on Your Electricity Bill Email from Dyer & Co. Plus: we explain why timing the market is a waste of energy   We Shine a light on your Electrical Bill It may come as no surprise that dad jokes were part of my Father’s Day this

Quick rant, with a point that might save you some worry:

On June 29, Alphabet (Google) joins the Dow and Verizon drops out. Routine news, but a good excuse to explain why the Dow Jones Industrial Average is a strange way to measure the market.

The Dow is "price-weighted." It moves with the share prices of its 30 companies, regardless of how big those companies actually are. Nike and Verizon trade at similar stock prices, both in the mid-$40s. Yet Verizon is worth about $190 billion and Nike about $63 billion. In the Dow, their prices carry nearly the same weight.

So when Alphabet joins around $350 a share and Verizon leaves around $46, the index gets jumpier in point terms overnight, even though nothing fundamental has changed.

Next time a newscaster gasps that "the Dow fell 200 points," remember: on an index above 51,000, that's under 0.4%. Usually it's noise dressed up as news.

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Retirement does a funny thing to your paycheck. The regular deposits stop. But the expenses? They keep showing up like nothing happened.

Recently a new client sat down with us worried about exactly that. Her income was about to change, but the monthly bills weren't going anywhere, and she wasn't sure her budget could take it.

So we did the unglamorous part first. We laid every statement on the table and mapped what's actually coming in and going out each month.

Here's what we found. She'd quietly built something close to her very own pension. She just hadn't been looking at it that way. Once we lined her assets up against her real expenses, the math wasn't scary anymore. It was a surplus.

Seeing that the numbers worked out better than she'd imagined brought a palpable sense of relief.

If you're a year or two out from retirement, the single most useful thing you can do is pressure-test your monthly income before you hand in the keys. Knowing there's a sustainable way to cover your expenses month after month is what lets you actually enjoy the part you worked for.

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Friday Fast Fact:
Want to be there for some of 2026's biggest sports moments?
$1,200 will get you to a Stanley Cup Finals game.
$7,500 gets you into Madison Square Garden for an NBA Finals game.
$5,400 will get you a ticket for the World Cup Finals.
$1,200 buys a Samsung 65" Frame TV. Just sayin'.

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Caroline Hawkins wrote this one. Full story in our May newsletter: Sell in May and go away" has just enough truth to be dangerous.
Since 1990, the S&P 500 has averaged 6.3% from November through April and 3.3% from May through October. The pattern is real.
But real doesn't mean reliable. Anyone who sold in May 2025 missed the strongest monthly gain since 1990. And over the long haul, a $1,000 investment left untouched in the S&P from 1976-2025 grew to about $295,000. The same $1,000 following the "sell in May" rule? About $46,000.
Summer may be quieter. It still beats sitting in cash.https://conta.cc/4fFHiv2

Old Ideas, New Math Email from Dyer & Co. Retronyms, Myths of May, and Something Boring   Old Ideas, New Math With Memorial Day behind us, it feels like we can all take a collective exhale as things settle down for the s

Why is there protein in everything now? Plus a record-breaking market, Powell's last meeting as Fed chair, and a new four-legged team member. Our May newsletter is out.
https://conta.cc/4w2HPwT

Protein, Passwords, Profits and a Puppy Email from Dyer & Co. Why protein is suddenly in everything. Tax season postgame We're hiring. And more   Protein, Passwords, Profits and a Puppy Good news! We survived Tax Season. And if you’re readi

We're hiring at Dyer & Company.

We're looking for a part-time Client Services Associate, someone detail-oriented, reliable, and looking for flexible morning hours that work around family life. No financial services background required.
If that sounds like you or someone you know, I'd love to hear from you.

Part-Time Client Services Associate

Dyer & Company, LLC — Charlotte, NC

Dyer & Company is a fee-only, independent financial planning firm in Charlotte. We work with a select group of clients on comprehensive financial planning and investment management, and we take the relationship seriously. We're a small team, intentionally so, and we're looking for someone who wants to have an impact in a professional environment without the noise of a big organization.

The role

This is a part-time position starting at approximately two days per week with hours that flex around your schedule. We expect the role to grow as the firm grows, likely expanding in the fall.
This is a great fit if you're re-entering the workforce, looking for meaningful part-time work in a professional setting, or want something that works around school-age kids. We care more about reliability and attention to detail than prior financial services experience.

What you'll actually do

— Keep our CRM current, updating contacts, logging activities, and flagging follow-ups
— Handle account paperwork and coordinate with our custodian on new accounts, transfers, and requests
— Manage incoming mail, sorting, scanning, routing, and organizing
— Coordinate and record proxy voting during proxy season
— Prepare materials ahead of client meetings
— Help with scheduling and follow-up logistics
— Support general compliance recordkeeping and file organization

What we're looking for

— Organized, reliable, and comfortable working independently once you know the routine
— Detail-oriented, the kind of person who notices when something's off and takes care of it
— Prior office, administrative, or client-facing experience is helpful but not required
— Comfortable learning new software
What we offer
— A small, friendly team with awesome clients where your work genuinely matters
— Flexible morning hours built around your schedule
— A role that's designed to grow with the firm
— A competitive hourly rate commensurate with experience

To apply, please send a brief note about yourself and a resume to [email protected].

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