Impacts of the SECURE Act

Among the tumult of other happenings in Washington DC during the last two weeks of December, a significant update of retirement laws passed the Senate and was signed into law. The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 was passed overwhelmingly by the House of Representatives in May but was stuck […]

Celebrate Yesterday, Stay Vigilant…

After a brief hiccup at the start of the last quarter, markets roared into the new year in a relentless drive to all-time highs, again. The engine of the US economy is humming along providing ample job opportunities for middle income workers, accompanied by low interest rates and accommodating central bank policies around the globe. […]

October 2019 Newsletter

Our latest quarterly newsletter is available. Please follow this link to access a pdf version:  October 2019 Newsletter. Nothing contained in this publication is intended to constitute legal, tax, securities or investment advice, nor an opinion concerning the appropriateness of any investment, nor a solicitation of any type and does not guarantee future results. The […]

New Associate Financial Planner

Please join us in welcoming Allison Miller, who joined Armor in August as an Associate Financial Planner. Allison supports the firm’s lead advisors in providing holistic financial planning and wealth management services to our clients. From 2016 until 2019, Allison was a Financial Planning Associate for a large, independent RIA in the Baltimore area, and […]

Armor Technology 2.0

When Walt, Jeff, and I joined together in 2007, I was the designated technology expert and we introduced state of the art systems that served us well for many years. But time moves on and technology evolves. Over the last twelve months, under the guidance of our Director of Operations, Graham Shepherd, we have made […]

We Can’t Stop the Clock

I will be retiring from Armor on December 31, 2019. I look forward to spending more time with my family, travelling, and engaging in personal interests such as boating, golfing, writing, and political involvement. I also intend to continue to practice law in Wilmington. Although I will not be providing client services after the end […]

Bewitched Markets

October has arrived and the darker spirits of the market have emerged beginning with an immediate October sell-off of equities. Boo! It is the Season of the Witch, and equities are being spooked. The first three days of the quarter eliminated the third quarter’s gains as an increasing flow of struggling economic indicators has appeared. […]

Fiduciary Redux II

Every year or so, I feel the need to write an article about the Fiduciary Standard because large financial firms or regulators muddy the differences between true fiduciary firms and product salespeople like stockbrokers and insurance agents. In January 2017 I wrote on this topic when the Department of Labor introduced new regulations (which were […]

When A Plan Comes Together

If you’ve met with our team recently, you’re probably familiar with our “Risk Analysis Grid” that is used to guide financial planning meetings. One area of the grid that I’ve spent time talking about lately is “Education Cash Flow Planning”. Fall semesters are right around the corner, and with many of our clients transitioning their […]

Here We Go Again!

According to the National Bureau of Economic Research, the U.S. economy broke a record for its longest expansion ever Monday July 1, 2019. Economic expansion has continued for more than 10 years. Growth is now in its 121st month since the Great Recession. And the market keeps rocking upward! As we go to print, markets […]