Blog

In the bustling commercial districts of Portland, from the tech-heavy corridors of the Pearl District to the industrial hubs lining the Willamette, business leaders face a common, mounting pressure. It isn’t just about the next product...

Deschutes Investment Consulting will be closed Friday, April 3, 2026, for our annual Day of Service as our team gives back through volunteer work across the community.

Stocks ended a challenging week lower as investors' attention shifted from updates on ceasefire talks to concerns about the economic impact of a protracted conflict.The Standard & Poor’s 500 Index lost 2.12 percent, while the Nasdaq...

Learn how women can overcome common retirement planning challenges, build long-term savings, and create a financial strategy for a more confident future.

Stocks fell during a volatile week as fast-moving developments in the Middle East, oil market concerns, inflation data, and the Fed’s decision to hold rates steady kept investors on edge.

Deschutes has been named one of NAPA’s Top DC Advisor Teams for 2026, recognizing our retirement plan consulting team for fiduciary guidance, defined contribution plan support, and service to plan sponsors and participants.

The Complete Retirement Planning Guide for Medical Professionals

Phil Sherman, CFP®, CPFA®, NQPC™

Monday, March 16, 2026

Medical professionals face some of the most complex financial planning challenges of any profession. In this guide, we walk through the key retirement planning strategies every healthcare professional should understand.

Stocks declined for the third consecutive week as investors reacted to Middle East tensions, rising oil prices, and mixed economic data. Markets faced volatility amid concerns over inflation and global supply disruptions.

The Pacific Northwest has long held a magnetic pull for those seeking a life defined by rugged coastlines, high-desert vistas, and the deep, hushed greens of the Willamette Valley. For many Oregonians nearing the end of their...

As we move into the second quarter of 2026, the investment landscape feels fundamentally different than the speculative frenzies of years past. The global economy is currently defined by a unique trifecta: above-trend growth, an easing...

In the lush, evergreen landscape of Oregon, the competition for top-tier talent has evolved far beyond the traditional perks of craft coffee in the break room or flexible Friday afternoons. From the burgeoning tech corridor in the...

Markets declined last week as investors reacted to rising Middle East tensions and mixed U.S. economic data. The S&P 500, Nasdaq, and Dow moved lower amid concerns over oil supply disruptions and a surprising drop in U.S. jobs.

For decades, the corporate retirement landscape was relatively stable, a predictable terrain of 401(k) matching and annual compliance testing. However, the horizon shifted dramatically with the passage of the SECURE 2.0 Act. As we move...

Stocks closed a volatile, shortened week higher, led by gains in technology shares. Investors weighed Fed minutes, sticky inflation, slowing GDP growth, geopolitical tensions, and tariff news as markets overcame midweek pressure.

Hiring or changing a financial advisor? Learn the key questions to ask about fees, fiduciary duty, credentials, services, and retirement planning.

Stocks fell last week as mixed retail and jobs data met rising fears about AI disrupting business models. Big tech strength faded midweek before a softer CPI report helped markets rebound, offering investors cautious optimism.

Stocks finished last week mixed as early and late gains helped offset midweek selling pressure tied to earnings results and economic data. The S&P 500 ended nearly flat, while the Nasdaq declined amid rotation out of technology stocks.

Changing jobs? Learn what happens to your 401(k) and other retirement accounts, your rollover options, and how to avoid taxes and penalties during a career transition.

Markets finished a shortened but eventful week modestly lower as geopolitical tensions and renewed tariff threats weighed on early sentiment. Stocks rebounded midweek after diplomatic reassurances eased concerns.

Stocks fell during the holiday-shortened week as year-end profit-taking and cautious sentiment around Fed minutes weighed on markets. U.S. indexes declined, though stocks rebounded modestly to start 2026.

Stocks posted a slight gain last week as mixed jobs data triggered some selling pressure before a cooling inflation report helped stocks recover. The Standard & Poor’s 500 Index inched ahead 0.10 percent.

Deschutes Investment Consulting’s 2025 holiday event brought the team together to recognize year-end achievements, leadership remarks, community service highlights, and firm awards while looking ahead to a successful 2026.

Market Rotation After Fed Decision Stocks stayed in a fairly tight trading range over the first half of the week. Tech remained a strong spot on Monday despite slight to modest declines in all three major averages.

Stock prices pushed higher last week, notching multiple records along the way as employment and inflation data took center stage in anticipation of the Fed’s upcoming meeting.

The end of the year can remind us of last-minute things we need to address and the goals we want to pursue. Here are some aspects of your financial life to consider as this year leads into the next.

Stocks pushed higher over the holiday week as investors' hopes for a Fed rate adjustment drove bullish sentiment. The Standard & Poor’s 500 Index rose 3.73 percent, while the Nasdaq Composite Index rallied 4.91 percent.

Markets faced sharp volatility as AI valuation concerns, mixed economic data, and Fed rate uncertainty pressured major indexes. Tech earnings, jobs data, and consumer sentiment drove swings as investors reassessed the outlook for growth.

Why Your Will Deserves Another Look. As life gets more complex, so do the responsibilities that come with it, especially when it comes to protecting what matters most to you. Having an up-to-date legal will can relieve a lot of stress.

Money tension is common, especially for Gen X and Boomer couples navigating retirement, family support, and major life decisions. Our latest blog shows how open conversations can turn stress into alignment.

Weekly Market Insights November 3, 2025 - Stocks rose last week as trade developments, positive Q3 corporate results, and momentum in megacap tech drove another rally, despite some cautious comments from the Fed.

Last week, Deschutes Investment Consulting CEO and Founder MacGregor Hall attended the Dimensional Fund Advisors (DFA) Practice Management Symposium in Texas. This event is a gathering of advisors and industry leaders focused on...

The Deschutes Retirement Plan Consulting team connected with business leaders from Roseburg, Coos Bay, Medford, and Grants Pass, strengthening partnerships that support thousands of employees in building more secure retirements.

Stocks rose last week thanks to a full slate of upbeat third-quarter corporate results and mild inflation data, which helped soften concerns over trade tensions with China. The Standard & Poor’s 500 Index gained 1.92 percent.

October is National Financial Planning Month, a perfect time to review your finances, celebrate progress, and make smart year-end adjustments. A quick check-up today can help ensure your plan still aligns with your goals for tomorrow.

Oregon small businesses can boost retention, cut taxes, and meet OregonSaves rules with the right 401(k). Learn if Safe Harbor, Traditional, or Solo plans fit your goals and budget best.

Phil Sherman shared insights at the NAPA Advisor Conference on improving 403(b) retirement plans, fiduciary guidance, plan design, and strategies for nonprofits, schools, and hospitals to strengthen employee retirement outcomes.

Stocks fell last week, buffeted by concerns about stock price valuations and a possible government shutdown. The Standard & Poor’s 500 Index declined 0.31 percent, while the Nasdaq Composite Index lost 0.65 percent. The Dow Jones...

Stocks made gains last week, even as megacap tech gains outweighed economic concerns. The Standard & Poor’s 500 Index advanced 0.33 percent, while the Nasdaq Composite Index rose 1.14 percent. The Dow Jones Industrial Average...

Stocks ended the week slightly lower as mixed economic data led to some profit-taking by investors ahead of the holiday weekend. The Standard & Poor’s 500 Index edged down 0.10 percent, while the Nasdaq Composite Index slipped 0.19...

National 401(k) Day is a reminder to review your retirement savings. From boosting contributions to rebalancing investments, learn five smart steps you can take today to strengthen your financial future.

The One Big, Beautiful Bill Act (OBBBA) expands 529 plans in 2025, allowing families to use funds for K–12 tuition, tutoring, AP tests, and career training, making education savings more flexible than ever.

Weekly Market Insights for August 11th, 2025 - Stocks rebounded last week as investor optimism for a September rate adjustment and strong Q2 corporate results overcame the rollout of fresh tariffs.

Avoid retirement pitfalls like early Social Security, high healthcare costs, and poor withdrawal strategies. Get expert retirement planning tips and financial advisor insights to help you retire confidently and make your money last.

Stocks were slightly lower last week, while looking past news of fresh U.S. tariffs on nearly two dozen countries. The Standard & Poor’s 500 Index fell 0.31 percent, while the Nasdaq Composite Index edged lower by 0.08 percent. The...

Is your 401(k) plan still on track? Many Americans are falling behind on retirement readiness. Use our free Mid-Year 401(k) Plan Sponsor Checklist to assess participation, fees, and fiduciary practices, quickly and confidently.

Trade developments and continued momentum pushed all three major averages to modest gains again for a shortened holiday trading week. The Standard & Poor’s 500 Index rose 1.72 percent, while the Nasdaq Composite Index added 1.62...

On Friday, stocks pushed higher following the release of the May jobs report, which showed an addition of 139,000 jobs, above expectations of 125,000. The S&P 500 closed above 6,000 for the first time since February.

Are You Financially Prepared for the Loss of a Spouse?

Jacob Stewart, CFP®

Thursday, June 5, 2025

Surviving a spouse can mean higher taxes on less income. Learn how to avoid the Widow’s Penalty with smart tax planning, Roth conversions, and estate strategies. Secure your legacy and protect your loved ones with expert financial advice.

Stocks roared higher last week, powered by upbeat trade news and tame inflation reports. The Standard & Poor’s 500 Index rose 5.27 percent, while the Nasdaq Composite Index spiked 7.15 percent. The Dow Jones Industrial Average added 3...

Lifestyle Meets Strategy: Planning for Relocation and Retirement

Emily Marie Hall

Thursday, May 8, 2025

Thinking about retiring out of state? You are not alone. Whether it's to escape the snow and gray winters, reduce taxes, or enjoy a more affordable lifestyle, more and more retirees are packing up and making a new state their primary home.

Stocks pushed higher last week as investors cheered the White House’s constructive comments on trade, upbeat Q1 corporate reports, and an encouraging jobs report. The Standard & Poor’s 500 Index gained 2.92 percent.

On Deschutes Day of Service, our team members stepped out of the office and into the community — volunteering at local schools, food banks, foster care organizations, and environmental projects.

Stocks pushed higher last week, spurred by the White House's reassuring comments that progress was being made with trade talks. The Standard & Poor’s 500 Index gained 4.59 percent, while the Nasdaq Composite Index picked up 6.73...

The Financial Literacy Crisis: Why It Matters and How We’re Taking Action

Emily Marie Hall

Monday, April 21, 2025

April is Financial Literacy Month—a time dedicated to raising awareness about the importance of understanding personal finance and empowering individuals to make informed financial decisions.

Deschutes Investment Consulting is proud to announce that Phil Sherman has been named as a Finalist for the 2025 PLANADVISER Retirement Plan Adviser of the Year – 403(b) Plan Service

Investors endured another volatile, whipsaw week as ongoing trade talks and White House comments about the economy unsettled investors. The Standard & Poor’s 500 Index declined 2.27 percent, while the Nasdaq Composite Index dropped 2...

Stocks continued their slide through a volatile week. U.S. trade policy drove much of the market’s movement, broadening investors' concerns about economic growth and inflation. The Standard & Poor’s 500 Index declined 3.10 percent,...

Get ready for tax season with our free 2025 Tax Planning Guide! Learn about tax law changes, smart ways to save, and key steps to prepare. Download your guide today and make filing easier.

Stocks advanced last week despite some intra-week volatility as investors showed concern about the economy's strength. The Standard & Poor’s 500 Index gained 1.47 percent, while the Nasdaq Composite Index picked up 2.58 percent. The...

Managing Emotions and Finances in Turbulent Times

Laura Fallon-Burns, CFP^®

Monday, February 10, 2025

Emotions influence financial decisions, especially in uncertain times. Stay mindful, avoid impulsive choices, and focus on what you can control. A steady approach leads to confidence and long-term success. We're here to help.

Estate planning = peace of mind. It's more than just distributing assets, it's about safeguarding your legacy and providing for the ones who matter most. Take a look at our Estate Planning Checklist we have developed.

The Vanguard Settlement and the Case for Expert Guidance

Phil Sherman, CFP®, CPFA®, NQPC™

Thursday, January 30, 2025

The Vanguard Lawsuit offers a powerful lesson in why simply relying on passive investment strategies—like index funds or TDFs—may not be enough to shield you from unexpected tax consequences.

Stocks roared back last week, fueled by upbeat Q4 corporate reports and economic news that stalled inflationary fears. The S&P and Dow Industrial had their best week since early November.

This season of giving brings with it an exciting announcement that we are proud to share! Deschutes was awarded a donation this year by a national org to benefit NAYA. This contribution helps advance their mission and empower the community.

Stocks were mixed during the first trading week of December. Technology stocks led, while the widely followed Dow Jones Industrial Average struggled. The tech-heavy Nasdaq Composite Index picked up 3.34 percent while the Dow...

The Internal Revenue Service released the updated income tax brackets, standard deduction, and retirement contribution limits for the 2025 tax year. While these changes won’t impact you for some time, it may benefit you to start...

Stocks surged higher last week, fueled by the Fed’s rate cut decision and post-election enthusiasm as investors looked to future policy impacts of a Republican-controlled Senate and executive branch. (The House of Representatives...

Discover retirement planning solutions for small business owners, from SEP IRAs and SIMPLE IRAs to flexible 401(k) options. Learn how tax advantages and new credits can help you save, attract top talent, and support business success.

Inflation Moves Markets. Despite news that showed retail inflation continued to decelerate in September, anxious investors focused on the fact that CPI came in slightly warmer than economists expected for September.

Borrowing from your 401(k) can be tempting when facing high-interest debt, but it's important to consider the long-term impact on your retirement savings.

If your retirement lasts 20, 30, or even 40 years, how well do you think your retirement savings will hold up? What financial steps could you take in your retirement to try and prevent those savings from eroding?

Anticipation is growing for the Fed’s next two-day policy meeting, which ends on September 18, 2024. If the Fed decides to cut short-term interest rates, it would be the first adjustment to be lower in more than 4 years.

Stocks rallied last week as investors received better-than-expected consumer and producer inflation data. The Dow Jones Industrial Average rose 2.60 percent, while the Standard & Poor’s 500 Index gained 4.02 percent. The Nasdaq...

What Can You Pay for with 529 Funds? Whether you're planning for K-12 tuition, college expenses, or vocational training, a 529 savings plan can help ease the financial burden. Start the academic year with a solid financial plan in place.

The Social Security Administration (SSA) is making significant changes to the way you access its online services, including your personal my Social Security account. Here's what you need to know.

Navigating the options for your 401(k) when you leave a job can be daunting. Explore the four key choices you have for managing your 401(k) from a previous employer.

Deschutes Investment Consulting would like to congratulate Phil Sherman for being named WINNER for the 2024 PLANADVISER of the Year in the Plan Participant Service category!

One of the most common questions people ask about Social Security is when they should start taking benefits. Making the right decision for you can have a meaningful impact on your financial income in retirement.

Learn smart ways to use your tax refund wisely. Pay off credit card debt, start a Roth IRA, contribute to an HSA, build emergency savings, make extra mortgage payments, and boost retirement savings.

Deschutes Retirement Plan Consulting Team's recognition in The NAPA Top DC Advisor Team list 2024 highlights their commitment to financial literacy, employee education, and impactful retirement planning services for workplace clients.

We want to empower women with financial knowledge and strategies tailored for success. Our blog explores financial education, investing tips, navigating life transitions, overcoming challenges, and a free PDF guide for women and finances.

Discover how the Biden administration's new rule targets 'junk fees' in retirement accounts, emphasizing the importance of working with fiduciaries to protect your savings and ensure fee transparency.

5 Financial Goals for the New Year 2024

Emily Marie Hall

Monday, January 8, 2024

Explore top financial goals for 2024 to boost financial health, wealth building, and stability.

Understand the Federal Reserve System (the Fed) and how its decisions impact your finances. Learn about its functions, and its influence on interest rates, borrowing costs, savings, investments, and the overall economy.

Phil Sherman, CFP® a senior retirement consultant at Deschutes Investment Consulting, advocates clear communication, behavioral finance, and inclusivity in financial planning. Learn how to simplify jargon and understand clients' needs.