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Financial Planning Information

Sherman Wealth Management provides you with relevant financial planning information to give you the resources you need to make informed choices. Read through our posts below and contact us to set up a free call for more information on creating a custom financial plan.

May 2, 2019

What The Shift In The Federal Reserve Language Means For You

Yesterday, the Federal Reserve held its benchmark rate at 2.5%.  It only took one word from Fed Chair Jerome Powell on inflation to send the markets reeling, and that word was “transitory.” According to this CNBC article “Traders have been speculating that recent weaker inflation readings would concern the Federal Reserve so much that it […]
April 15, 2019

Coaching Students at the MCPS Business Pitch Challenge

As the son of a Montgomery county school teacher,  I was so honored to mentor a group of hard- working students from Albert Einstein High School in Montgomery County rise to success in giving an incredible pitch to the judges at the Business Pitch Challenge. As the month of April is Financial Literacy Month, this […]
January 28, 2019

Teachers Get Screwed The Most

It’s very unfortunate that school teachers, arguably one of the largest value-ads to communities across this nation, are getting taken to the woodshed on their retirement options. It’s 2019 and public school districts still haven’t found a way to properly help these individuals build a nest egg. We hear and see it all the time. […]
January 22, 2019

Who is responsible for 401(k) participation?

If someone were to ask the famous Nobel Prize winner Richard Thaler this question, I think his answer would clearly be “managers and executives”. And to be honest, he makes a pretty compelling point. As a man who has spent his career studying human behavior, Thaler draws the conclusion that humans are predictably irrational and […]
January 15, 2019

How empty nesters can get back on track

Now that you’re done spending money on clothing, food, child care – and don’t forget the biggest expense, education – it’s time to focus on your own financial needs. After all, the average cost of raising a child today in middle-class America is nearly $250,000, excluding college tuition expenses. These types of numbers leave many […]
January 8, 2019

Now is the time to check your W-4

The White House announced yesterday that tax refunds would be processed even though the government is still shut down. Which reminded me that now is a great time to revisit your W-4. Why? Because t’s very, very likely that the W-4 form on file with your employer is off. Last year, the Treasury Department and the […]
January 7, 2019

Weekly Market Review 1/4/2019

Staying in theme, it was another wild week for stocks. Investors, who are probably over the volatility from 2018, were unfortunately required to sit through a couple more brutal sessions on Wednesday and Thursday, as the Dow Jones Industrial Average notched its worst start a year since 2000. However, following a reassuring tone from Fed […]
January 2, 2019

The Bridge Between Financial Planning and Reduced Stress

As we sit down to reflect on 2018 and prepare for the coming year, no doubt that for many stress over financial issues comes to mind quickly. Year after year we see the same types of studies and the alarming statistics they produce in regards to savings and retirement planning (or lack thereof). Almost half […]
December 17, 2018

Weekly Market Review 12/14/2018

Domestic markets endured another uneventful week, with two of the three major US indices posting losses over 1% for the period. Coming into the month of December, we were told how, historically, this is a bullish time of year for equities. Unfortunately, “historically” is just another term for “average” and while December may typically be […]
December 9, 2018

Weekly Market Review 12/07/2018

We experienced more of the choppy environment in equities this past week. Although these types of swings are more common than many realize (remember, the low volatility environment of 2017 was the real anomaly), we understand that large down days in the market can be bothersome. Most of the drama occurred early on Monday, after […]