Economic Commentary

When the financial crisis and resulting severe recession took place in 2008, we offered that the recovery would be long in duration and reflected in incremental progress along the way. The essential reason for that observation was the knowledge that the recession of 2008 was not a typical business cycle recession, but rather one that […]

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S&P 500 Earnings Update

2022 has been a difficult year for investors offering limited opportunities for positive returns. After rising nearly 27% in 2021, the S&P 500 index has retreated 24% year-to-date. Uncertainties abound as persistent inflation is met with increasingly restrictive monetary and fiscal policy and geopolitical risks loom large. US corporate earnings, however, have proven resilient thus […]

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Is Private Placement Life Insurance Right for You?

With market volatility persisting throughout the year, investors have become more interested in alternative investments. Some of these investments, such as hedge funds, private equity, Real Estate Investment Trusts (REITs) and others incur large income distributions. For those in the top tax bracket that can mean income taxes near 45%, whether or not that income […]

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No Loose Ends

It’s almost Halloween, and there are spooky things everywhere you look. Though this time of year is often intentionally scary, don’t let fear control you, especially when it comes to your finances. Sometimes fear of what’s waiting around the corner, or the big scary unknown, can stop us dead in our tracks and keep us […]

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Sequence of Return Risk

Participating in an Ironman race requires months, if not years, of rigorous training, discipline and mental dexterity. Preparation is not limited to purely triathlon training, but crosses over into the efficiency of navigating the transition zones (from swimming to biking, and from biking to running). Successful triathlon participants train their bodies to perform these transition […]

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Electronic Notice Delivery for Retirement Plan Participants

The Department of Labor’s Electronic Disclosure Rule has simplified the delivery of retirement plan information to participants. This rule allows retirement plan administrators to satisfy their information disclosure requirements under ERISA (The Employee Retirement Income Security Act of 1974) by making required notices and disclosures available to employees electronically under a “notice-and-access” method. The new […]

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Perspectives Newsletter October 2022

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Greenleaf Trust announces CTFA designation

October 7, 2021 Birmingham, MI – Greenleaf Trust announces CTFA designation Senior trust relationship officer receives Certified Trust and Fiduciary Advisor designation Mark Meyers, CFP, CTFA, CLU, ChFC, a Senior Trust Relationship Officer in southeast Michigan was recently awarded the Certified Trust and Fiduciary Advisor (CTFA) designation from the American Bankers Association. Mark provides holistic […]

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September Jobs – Payrolls In Line, Unemployment Lower

Continued job gains underpin consumer health, offering no relief for the Fed.  U.S. employers added jobs at a healthy, though more moderate pace in September and the unemployment rate fell, suggesting the labor market remains resilient against aggressive rate increases from the Federal Reserve.  While there have been some signs of moderating labor demand including […]

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Stocks are tumbling again. Should I sell?

By Rose White Chief Investment Officer Nicholas Juhle, CFA® discusses the need for disciplined investing despite tumultuous markets. Read more on MLive.

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