The LTWM Team

Executive Summary The fourth quarter of 2025 was strong for stocks, making the full year 2025 robust for portfolio returns. More importantly, globally diversified portfolios delivered outsized returns, due to a significant shift in market leadership, as international and emerging markets outperformed U.S. equities for the first time in years. There were several key performance drivers, including the nearly 10% decline in the U.S. Dollar Index (DXY). This provided a "currency kicker" for...

A new calendar year brings new opportunities to strengthen your retirement savings and be more intentional with tax planning. Each year, the Internal Revenue Service (IRS) adjusts contribution limits for retirement plans, and these updates directly impact your savings strategy.  Below is a summary of the new contribution limits for Traditional IRAs, Roth IRAs, SIMPLE IRAs, SEP IRAs, and employer-sponsored plans such as 401(k), 403(b), and 457 plans, along with updated catch-up provisions for...

The term “sandwich generation” refers to adults who are simultaneously caring for their aging parents while supporting their own children. This group faces a unique set of financial, emotional, and logistical challenges that can feel overwhelming. While financial advisors provide essential guidance on managing money, retirement planning, and investment strategies, the sandwich generation often needs more than just numbers. They need understanding and personalized support that addresses the...