Insights from Griffin Black

Market wisdom and financial perspective for those who seek clarity. Read our latest analysis on wealth building, investment strategy, and planning for what matters most.
A couple sitting on a sailboat, smiling, with the ocean and a partly cloudy sky in the background.
6 min read

Financial Planning Should Be About Your Life, Not Just About Your Retirement

The U.S. Capitol building illuminated at dusk, with its reflection visible in the water of the Capitol Reflecting Pool in Washington, D.C.
7 min read

Will Your Taxes Be Going Up? According to Biden’s “New American Families Plan” Proposals, It’s Likely.

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7 min read

How Investors Can Navigate Growing Concerns in Q4 2021

As we begin the final quarter of 2021, the economy is shifting from a recovery phase to a sustained expansion. Investor sentiment has shifted alongside this, swinging from bullishness to bearishness. This is understandable because, while the underlying trends are positive, it's no longer the case that the economy and markets have nowhere to go but up. Challenges such as the pace of growth, fears of stagflation, debt problems in China, Fed policy, the government debt ceiling and more are weighing on investors' minds. How can investors balance risk and reward with a long-term perspective during the final months of the year?
A city skyline at night with illuminated high-rise buildings and busy highways.
4 min read

Why Investors Need Perspective Amid China and Fed Concerns

Markets are increasingly concerned about tighter monetary policy by the Fed and its impact on valuations, interest rates and more. Recent FOMC (Federal Open Market Committee) meeting minutes confirmed that the Fed could slow its balance sheet expansion within the next few months and this week's virtual Jackson Hole Economic Symposium could provide more clarity around future rate hikes. How can long-term investors navigate the policy changes and economic uncertainty that lie ahead?
A man and woman sit at a table, smiling and looking at a laptop. The table has a cup and notebook. The background features shelves with decorations and plants.
4 min read

Does Your Cash Flourish?

The image shows the seal of the United States Federal Reserve System overlaid on a background of various US dollar bills.
5 min read

Why Fed Tapering Shouldn’t Alarm Long-Term Investors

Markets are increasingly concerned about tighter monetary policy by the Fed and its impact on valuations, interest rates and more. Recent FOMC (Federal Open Market Committee) meeting minutes confirmed that the Fed could slow its balance sheet expansion within the next few months and this week's virtual Jackson Hole Economic Symposium could provide more clarity around future rate hikes. How can long-term investors navigate the policy changes and economic uncertainty that lie ahead?
Close-up of a calculator and pen on top of financial charts and documents with graphs and data.
4 min read

What Valuations Are Signaling to Long-Term Investors

As the economy shifts from recovery to expansion, one challenge for investors continues to be the high level of valuations. In the long run, valuations are investors' best North Star since they don't just tell us how much something costs, but also what we get for our money.
Silhouette of a person standing and peering over the edge of a steep cliff.
4 min read

Why Investors Need Perspective When Markets Decline

As it often does, the stock market has hit a rough patch due to concerns around the delta variant, economic growth, interest rates and more. Although no two market pullbacks are exactly alike, there have already been several periods of short-term volatility this year in response to similar headlines. For long-term investors, it's important to remember that these setbacks are a natural, expected, and manageable part of investing.
A small model house with a gray roof and red accents sits on a wooden surface next to a keychain with two keys.
3 min read

Why the Housing Market Is at All-Time Highs

The housing market continues to heat up alongside the post-pandemic boom. The limited supply of homes, historically low interest rates, rising financial asset prices and other factors have created a sense of urgency among many to buy new homes and list their existing ones.
Close-up of a United States Treasury check for $1,400 labeled "American Rescue Plan 2021" against a background of U.S. currency.
4 min read

Tax Planning with the American Rescue Plan

The American Rescue Plan was signed into law on March 11 and there are several provisions that create tax planning opportunities. Here is a review of the most significant provisions for individuals.
A globe with green land, forests, and water features solar panels and wind turbines, surrounded by clouds and a blue sky background.
5 min read

What Is “Sustainable Investing” and Is It Right for You?

Over the past several years, the idea of an investment strategy designed to promote a healthy planet and population has moved from being a niche project into the investing mainstream. You can invest in funds that align with a variety of environmental and social goals: companies with female CEOs, companies that promote anti-racism, carbon-neutral companies – there are endless possibilities. So what exactly does “sustainable investing” mean? And how should we define success when the goal is more than simply building wealth? Can we meet environmental or social goals without compromising the fundamentals of prudent – and successful – investment practices? Today, I want to look at one definition of a “sustainable” investment strategy. Understanding what it is (or can be) is important if you want to consider incorporating such a strategy into your own investment program.
A young woman in graduation attire stands smiling between two adults, likely her parents, at an indoor event.
8 min read

Five Ways To Make College More Affordable

It’s that time of year—the potential of receiving a college acceptance letter makes checking the mail a little more exciting than usual. The cost of college has jumped four times as fast as the rate of inflation over the last ten years. The numbers facing students (and their parents) are staggering. College is expensive and can leave graduates suffering under a huge financial burden well into their professional lives. It’s bad enough that the cost of higher education creates such a burden for students, but families can also suffer. Parents who foot the bill for their children’s education can find themselves unwittingly making tradeoffs with severe consequences for their own retirement. So how can you help your child get through college without sacrificing your retirement?

Griffin Black, LLC is an SEC registered investment adviser; registration does not imply skill or training. Content is for informational purposes only and is not investment, legal, tax, or accounting advice. No client relationship is created by viewing this site. Information is believed reliable but not guaranteed. Investing involves risk, including loss of principal; past performance does not guarantee future results. Any testimonials or ratings may not reflect all experiences and are not indicative of future outcomes. Additional information, including fees and services, is available in our Form ADV Part 2A.

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