Contrary to popular belief, most major market swings are not driven by ordinary investors rapidly buying and selling stocks from their phones. In reality, long-term individual investors often make very few changes during volatile periods.
Most people discover that their vision of retirement changes. The retirement a person imagined at 40 often looks very different by 65.
When economies are fluctuating, it may be worth revisiting two areas of planning: the potential timing of Roth IRA conversions and the approach to required minimum distributions (RMDs).
For investors and retirees alike wonder; if the United States is one of the world’s largest oil producers, why are domestic fuel prices still so sensitive to global events?
If you’ve followed financial news in recent years, you’ve probably seen the term ESG investing. For many people, it sounds like complicated financial jargon. In reality, the idea behind ESG funds is fairly simple. ESG stands for Environmental, Social, and Governance. Investors use these three factors to evaluate how a company operates, not just how much money it makes. The goal is to look beyond profits and consider whether a company runs its business responsibly...
The global energy system is undergoing one of the largest economic transformations in modern history. For more than a century, oil, coal, and natural gas powered global industry and transportation. Today, new technologies and rising energy demand are accelerating a shift toward a new energy ecosystem built around renewable electricity, advanced batteries, electrified transportation, and emerging fuels such as hydrogen. For investors, this transition may create significant opportunities across multiple industries, from infrastructure and manufacturing...
For many retirees, the biggest concern is simple and practical: Will my money last as long as I do? Market ups and downs can create uncertainty, especially when you’re relying on your savings for monthly income. For individuals who prioritize stability and predictability, a fixed annuity specifically a Single Premium Immediate Fixed Annuity (SPIA) is often considered one of the most conservative options available for generating guaranteed lifetime income. A fixed annuity is an insurance...
When people think about retirement planning, they often focus on average returns. If a portfolio has historically averaged 6% or 7% per year, that sounds like a solid long-term outcome. But in retirement, the timing of returns can matter just as much than the average itself. This concept is called sequence of returns risk, and it can have a meaningful impact on how long retirement savings last. What Sequence Risk Really Means In simple terms...
When Elon Musk speaks, people tend to listen, especially when his comments involve the future of money, technology, or how society might function in the next decade. Recently, he made a statement that gained a lot of attention. In a January 2026 interview on the Moonshots with Peter Diamandis podcast, Musk said, “Don’t worry about squirreling money away for retirement in 10 or 20 years. It won’t matter.” It’s a provocative idea and, understandably, it...
The One Big Beautiful Bill Act ( OBBBA) introduces some of the most substantial federal tax and policy changes in recent years. Because these adjustments affect households differently depending on income, family structure, employment, and reliance on government programs, it is important to understand the general direction of the changes and discuss their implications with qualified tax and legal professionals. At Mirus Financial Partners, we help clients navigate these transitions within the context of their...
If you earn tips, your next tax season might look a little brighter. Thanks to the One Big Beautiful Bill Act, signed into law in July 2025, a brand-new “No Tax on Tips” deduction is rolling out. It’s the first of its kind—a benefit meant to recognize the millions of Americans whose paychecks rely on gratuities. This new rule applies to tax years 2025 through 2028, and it could make a meaningful difference in how...
“Risk” is one of the most used and most misunderstood words in personal finance. When the media or financial professionals talk about investment risk, they’re often referring to volatility: how much an investment’s price has gone up and down over time. An investment that has seen large price swings may be labeled aggressive or risky. One that moves more gradually is often called conservative. But volatility alone doesn’t define risk. True risk also includes the...
