Julian Grubbs, Certified Retirement Planning Counselor

Do you have intellectual property? Have you incorporated it into your estate strategy? Read more about how you might incorporate your IP into your estate strategy in this detailed article.

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Do you know who just took the helm of the Fed?

Kevin Warsh is the new Federal Reserve Chair, though most people have never heard his name. Unlike his predecessors, he doesn't have an academic background. He spent the last decade and a half at a private investment firm, not in a university lecture hall.

He's already signaling a different approach, promising shorter statements and more transparency in how the Fed communicates.

That matters more than it might seem. The Fed Chair's decisions ripple through the economy, affecting everything from mortgage rates to car loans to credit cards.

Lately, we've heard one question more than any other: What does this mean for me? Honestly, it depends on your situation. But knowing who's steering the ship is where smart financial decisions start.

What's your biggest question about this shift at the Fed?

Are you planning to work after taking Social Security benefits? Know the rules.

How Will Working Affect Social Security Benefits? Knowing the rules may help you decide when to start benefits.

Looking ahead can help female investors conquer these unique obstacles. You can learn more here.

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Do you know the best way to set your child up for collegiate success? Make sure with this miniature guide to financial aid options.

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You’re the conductor of your 401k, IRA and taxable savings.

Orchestrating Your Retirement Accounts Getting the instruments of your retirement to work in concert may go far in realizing the retirement you imagine.

Many people consider paying off their mortgage in retirement an easy choice. But have you considered some of these often overlooked points?

Mortgages in Retirement Explore the benefits and drawbacks to paying off your mortgage prior to retirement with this article.

Bedtime Story: U.S. Federal Tax Code. How many pages have you read?

Understanding Marginal Income Tax Brackets An inside look at how marginal income tax brackets work.

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.

That's not the headline you see on day one.

You see the first-day pop. The company goes public, and its stock has averaged a 19 percent gain since 1980. Feels like a moment you should catch.

Here's what actually happens:

1️⃣ Institutional investors get the offering price before trading opens.

2️⃣ You buy at market open, after the move.

Then the real story starts.

🔎 This gap is based on research led by Professor Jay R. Ritter, who authored a 2026 report on IPO performance for the University of Florida. His analysis of 9,300 U.S. IPOs is one of the most comprehensive databases available.

Chasing IPOs can provide a thrill, but there are pros and cons.

A sound portfolio should reflect an investor's goals, risk, and time horizon. The risks of an IPO are not for everyone. 🎯

📋 Past performance does not guarantee future results. The return and principal value of IPOs and other stocks will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.

Here’s a look at what goes into creating a \$20 bill and what determines when a bill’s lifespan ends.

Life and Death of a Twenty Dollar Bill How long does a $20 bill last?