RGA Investment Advisors LLC

05/26/2026

The S&P 500 just printed another all-time high. Most investors take the win and move on.

That is when discipline matters most.

Two moves worth taking this week:

Rebalance with intent. The winners are now bigger weights than your plan called for. Trimming back to target is not market-timing, it is risk control.

Harvest losses where they still exist. Even at index highs, individual positions diverge. Realized losses have a long tax-shelf life.

You cannot control the market. You can control your exposure, your basis, and your tax bill.

05/20/2026

Most retirement advice obsesses over what you own.

Just as important, and almost never discussed, is where you own it.

The same portfolio split across taxable, tax-deferred (IRA, 401k), and tax-free (Roth, HSA) buckets can produce meaningfully different after-tax outcomes.

A simple framework gets most people 80% of the way:
• Highest-growth, longest-hold equities → Roth
• Bonds, REITs, high-turnover strategies → Tax-deferred
• Tax-efficient equity → Taxable

Most investors do the opposite, bonds in the Roth, high-growth stocks in the IRA where every dollar comes out as ordinary income.

If you haven't pressure-tested your account location in the last few years, it's worth a conversation.

Book a 15-minute strategy call 👉https://fantastical.app/jasongilbert/15-min-meeting-quick-chat

05/18/2026

The story behind RGA isn't really about portfolios. It's about two kids who grew up trading ideas... and never stopped. Read our story 👉 https://www.rgaia.com/our-story/

05/14/2026

The AI trade is shifting.

For the past three years, the market has been focused on GPUs, memory, fiber, and power. That made sense. The first wave of AI investment was about building the infrastructure required to support the technology.

That trade created significant winners. But the easy money in the infrastructure layer is likely behind us.

Our view from our Q4 2025 commentary: the next leg of value is more likely to accrue at the application layer.

That is how major technology cycles tend to evolve. Infrastructure gets built first. Then the biggest economic impact shows up in the products, platforms, and business models built on top of it.

LLMs were the first “killer app” of this cycle. They will not be the last.

The opportunity is not in chasing what already worked. It is in positioning for what comes next.

Read the full commentary: www.rgaia.com

05/13/2026

Throwback to 2017.

Elliot, Ryan, and Jason on-site with The Howard Hughes Corporation, a portfolio holding at the time.

Hard hats, safety vests, and a firsthand look at the assets we owned on behalf of our clients.

We have always believed that stocks are businesses, and businesses operate in the real world. Sometimes the best way to understand an investment is to get out from behind the screen and see it firsthand.

Site visits. Management meetings. Real-world diligence. Pressure-testing the thesis in person.

Same philosophy then as today:

Hands-on. Research-driven. Long-term.

05/08/2026

In case you missed our Q4 2025 Investment Commentary.

The thesis in one line, borrowed from Garry Kasparov:
"Weak human + machine + superior process beats stronger humans and machines with inferior processes."

Inside, we get into:
• How we're using LLMs to challenge our own assumptions (not just affirm them)
• Why the AI infrastructure trade is rotating to the application layer
• Two new positions: Lattice Semiconductor ($LSCC). an AI winner hiding inside a cyclical downturn, and Celsius Holdings ($CELH), deliberately far from the AI narrative
• Why we think the "AI kills software" panic is overdone

Read the full commentary 👉https://www.rgaia.com/wp-content/uploads/2026/03/RGAIA-Investment-Commentary-Q4-2025.pdf

03/02/2026

We are proud to announce the promotion of Ryan King to Partner, recognizing his contributions to the firm's investment research, portfolio analysis, and long-term strategic development. Ryan's elevation reflects sustained performance, alignment with the firm's fiduciary philosophy, and a growing leadership role within the organization.

/PRNewswire/ -- RGA Investment Advisors is pleased to announce that Ryan King has been promoted to Partner, recognizing his meaningful contributions to the...

05/29/2025

📈 Navigating market uncertainty: how we separate signal from noise to find opportunity.

In our latest commentary, we discuss why uncertainty can be your edge and how it fueled our most active investment period in years. Here's what we explore:

- The resilience of AI infrastructure and the opportunities for TSMC across cycles.
- Understanding Life Sciences better and how Bruker offers value at a key inflection point.
- How Lululemon’s strong brand and global reach create lasting growth, even amid retail challenges.

Our "constants" are themes and companies that endure, regardless of market chaos. 📉

👉 Read the full commentary to learn more about what we're watching in Q2 from macro signals to sector divergence - https://www.rgaia.com/commentary/

We thank you for your trust and confidence in choosing us as your advisor. For any questions or detailed discussions, feel free to reach out directly to Jason or Elliot at 516-665-1945.

09/30/2024

Much has happened since the end of the second quarter, but it’s valuable to reflect on the key events that shaped those three months. In years to come, we may view the first half of June as a pivotal moment for Large Cap stocks, particularly the dominance of the “Magnificent 7” over the broader market. Among these, Nvidia’s performance stood out, becoming the driving force within the group. Throughout the trading days, Nvidia’s movements often dictated the direction of the major market indices, with its rise (or fall) pulling the broader market up (or down) with it. As the largest company in the S&P 500, Nvidia’s influence lifted the index, while the Russell 2000 lagged behind.

https://www.rgaia.com/wp-content/uploads/2024/09/RGAIA-Investment-Commentary-Q2-2024-3.pdf

05/01/2023

Attention high earners in your 40s and 50s! Are you looking for comprehensive financial planning to help you support your growing family? Our complementary portfolio review is the perfect place to start. We'll help you organize and assess your financial position, and craft the right investment approach to fit your unique needs. We will work with you to create a customized financial plan that addresses your family's unique future goals and needs. Contact us today to schedule your consultation and take control of your financial future!