Commentary Archive

Retirement Plan Rollover Considerations

At retirement, you may need to choose how to take your benefits. There are several possibilities you might consider: Choose an annuity option offered through your employer retirement plan Roll over the funds to an IRA Take a lump sum distribution and pay tax on the distribution Leave the funds in your employer’s retirement plan […]

The Mystery of DFA

Dimensional Fund Advisors. DFA. It’s a fund company, like Vanguard or Fidelity. You’ve heard of those, but you may not have heard of DFA. Even when I explain it, clients usually forget and I find myself explaining again. At Stevens Wealth Management, we use a lot of DFA and Vanguard funds. Why? Low cost, passive […]

United We Stand

What a world we live in!  Never before in our lifetime have we seen such a deep mentality of “us versus them”.  We hear divided voices everywhere; globalism versus protectionism, immigration versus deportation, refugees versus terrorists, republicans versus democrats, left versus right, (deep breath in) real news versus fake news, market bulls versus bears, whether […]

Economic Insights, First Quarter 2017

Key Thoughts: Presidential promises, but actions speak louder Strong quarter for stocks U.S. economy growing, but a bit slower Presidential Promises We’ve spoken to a lot of you since the fall Presidential election and the reaction is largely concern with uncertainty. Some of you love him and some of you hate him, but all eyes […]

2016 in Review

  If I had to sum it up: better than expected from a financial point of view! We started the year with the Dow dropping -5.5% in January after the Fed started raising interest rates by 0.25%. We ended up avoiding a massive stock market drop indicated by the futures market the night of the […]


A leader has to allocate time, money and resources. That’s true if you are running a company or running your family’s finances. Cash flow allocation is often glossed over, but it’s critical to your financial success. Holding yourself accountable to how you choose to spend your money takes time and effort. But the process can […]