SWAN Capital

10/09/2026

If the stock market averages 10% a year, why not withdraw more than 4% in retirement?

Because average returns don’t mean consistent returns.

Some years the market is up 20%. Other years, it may be down 20%. And withdrawing too much during a down market can have a lasting impact on your retirement savings.

That’s why understanding how much you can sustainably withdraw matters just as much as how your investments perform.

The 4% rule is a starting point not a personalized retirement income plan.

09/27/2026

Oil prices remain high. What’s keeping them there?

Andrew breaks down some of the supply pressures affecting crude oil right now and why consumers continue to feel the impact at the pump.

It’s one piece of the broader inflation and economic picture we’re covering in the September SWAN Report.

Watch the full report on YouTube — link in bio.

09/27/2026

Inflation is creeping back up. Interest rates are moving higher. And the financial headlines aren’t getting any quieter.

But not every headline deserves the same amount of your attention or a change to your retirement plan.

In the September SWAN Report, Andrew McNair breaks down what’s happening with inflation, interest rates and oil prices, along with an update on the SWAN portfolios and the thinking behind our latest portfolio rebalancing.

The goal isn’t to react to every piece of financial news. It’s to understand what actually matters to your money and stay focused on the bigger retirement picture.

▶️ Watch the September SWAN Report below.

Inflation is elevated, interest rates just moved higher, and oil pr...

09/04/2026

Why are so many homeowners staying put — even if they’d like to move?

For many families, the issue isn’t just home prices.

It’s the mortgage they already have.
Moving could mean giving up a much lower rate and taking on a higher monthly payment — sometimes for less house.

That’s why Andrew calls it being “interest-rate locked.”

🎥 Watch more from the 2026 Half Time Report on YouTube.

09/02/2026

Flat Andrew has had a better travel year than most of us. ✈️

This year, he has stood shoulder to shoulder with four presidents at Mount Rushmore (cleverly renamed to SWANmore🗻), leaned over the edge at Buffalo Bill Dam, spent a few days in Loveland, Colorado ⛰️, gotten thoroughly soaked at Niagara Falls 💦, and made it to the Bahamas, where the beach weather was a welcome treat!🏝️

Thank you to every client who packed him, propped him up, and shared the adventure. These are our favorite photos we get all year. 📸

Where should he go next? Tell us in the comments ⬇️ And if you have a trip coming up, be sure to take Flat Andrew with you!

09/01/2026

The economy wasn’t flashing red at midyear, but it wasn’t giving us an all-clear either.

At the beginning of 2026, the economic and market signals we were watching were mixed. By June, much more of the dashboard had shifted into neutral territory.

Corporate profit growth and credit demand/availability remained positive, while most of the other indicators sat in yellow.

And that distinction matters.

Yellow doesn’t mean panic. It means pay attention.

Markets rarely give investors one perfect signal. The goal is to understand what’s changing, where risks may be building, and stay disciplined when the picture isn’t completely clear.

Swipe through for a look at what changed from January to June.

🎥 Want the full picture? Watch the 2026 Half Time Report on our YouTube channel.

09/01/2026

Berkshire Hathaway is sitting on roughly $400 billion in cash while the broader stock market has continued climbing.

That doesn’t necessarily mean Berkshire is predicting a downturn — but for a company known for patiently waiting for attractive opportunities, Andrew believes it’s a decision worth watching.

The question is simple: who ends up being right?

🎥 Watch more from the 2026 Half Time Report on YouTube.

08/30/2026

The market is hitting record highs, but that doesn’t mean the risks have disappeared.

In the August SWAN Report, Andrew breaks down what’s driving the market higher, why inflation and oil still matter, and what investors should be watching as we move into the final months of 2026.

If your portfolio has performed well this year, now may be a good time to ask an important question:

Is it also prepared for when the market changes?

Watch the full August SWAN Report here:

The stock market is near record highs, but does that mean your reti...

08/28/2026

Our Restful Recipes classes brought clients together in Fairhope and Pensacola for a fresh take on healthy eating and we picked up plenty of practical ideas worth taking home along the way.

From building a more balanced plate and getting enough protein to better portioning, quinoa tips, and a few tricks for getting better results in the kitchen, there was a lot packed into the afternoon.

And if you’d like to recreate some of it at home, we put together the recipes and our favorite takeaways from Restful Recipes on the SWAN Capital blog.

👉 Read the recap + get the recipes:�

What We Learned at Restful Recipes An evening of nutrition tips, good conversation, and a few simple habits worth taking home. There is something about a kitchen that gets people talking. Not about markets or interest rates, but about the dish their mother made every Sunday, the one recipe they…

08/28/2026