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Like most annuity contracts, indexed annuities have certain rules, restrictions, and expenses. Some insurance companies reserve the right to change participation rates, cap rates, and other fees either annually or at the start of each contr

A sustainable investment approach may screen securities or sectors based on pre-defined environmental, social, and governance (ESG) criteria, or it may consider ESG factors alongside more traditional financial analysis. ESG-oriented strateg

When you open a Roth IRA for a minor, you're giving more than just an investment account; you're offering an opportunity to learn about important concepts that could provide a lifetime of financial benefits.

As the Iran conflict enters its second month, geopolitical stress continues to test investors. Historical stock market performance during geopolitical conflicts helps remind us that stocks are far more resilient than the moment may suggest.

The Iran conflict has disrupted global oil flows, pushing up fuel costs and adding pressure to inflation and markets. The U.S. economy remains resilient, and history shows markets often rebound after geopolitical shocks.

Foreign stocks lagged U.S. equities over the past 20 years but outperformed in 2025. Investors weighing global diversification should consider valuation differences, market risks, and the wide range of international fund options.

Long‑term investing requires patience and discipline. Staying diversified, avoiding emotional decisions, and focusing on long‑term goals can help investors navigate volatility and improve the odds of positive outcomes over time.

Joint airstrikes against Iran and Iran’s retaliatory missile attacks have disrupted regional stability and temporarily spiked global energy prices, including a halt of tanker traffic through the Strait of Hormuz.

As you have seen in the news, the U.S. and Israel have launched military strikes against Iran, targeting its leadership, military assets, and nuclear infrastructure. Iran's Supreme Leader is confirmed to have been killed, and Iran has...

Roth accounts offer tax‑free retirement withdrawals and no RMDs, unlike traditional plans. High earners can boost Roth savings through after‑tax 401(k) contributions and conversions when allowed, using the mega backdoor Roth strategy.

Build your child’s financial foundation early with Tax-Efficient savings, smart investing, financial literacy, trust planning, and guided independence—helping them manage, grow, and protect wealth for the long term.

January markets react to Kevin Warsh’s Fed nomination, easing inflation, and strong AI‑driven productivity. Earnings growth, tax refunds, and stable policy support a constructive outlook amid ongoing fiscal and geopolitical risks.

Understanding investment risk is essential to effective wealth management. At Topel Forman Wealth Management, we help align risk tolerance, diversification, and long-term strategy to support confident financial planning.

Reflecting on 2025

Dustin Mendenhall

Wednesday, January 7, 2026

Stocks delivered another strong year in 2025, marking the third consecutive year of double‑digit gains despite significant challenges such as tariffs, high valuations, inflation, and concentrated market leadership. Stocks had another strong

As we move into 2026, investors should anticipate a continuation of many of the key themes that defined 2025.

The 60/40 portfolio. Pioneered by Harry Markowitz and his modern portfolio theory (MPT) framework in the 1950s, the 60/40 portfolio — comprised of 60% stocks and 40% bonds — argued that diversification among uncorrelated asset classes...