The Prizant Group, Ltd.

The Prizant Group, Ltd. RIA: Capital Asset Advisory Services, LLC Advisory Services offered through Capital Asset Advisory Services, LLC. A Registered Investment Advisor.

The Prizant Group, Ltd provides unbiased, creative pension consulting focused on small-mid size companies/not-for-profit/governmental agencies (401(k)/403(b)/457/401(a), Cash Balance/Defined Benefit..

https://www.wsj.com/lifestyle/careers/americans-without-college-degrees-are-having-one-of-the-best-job-markets-in-years-...
09/08/2026

https://www.wsj.com/lifestyle/careers/americans-without-college-degrees-are-having-one-of-the-best-job-markets-in-years-5f37d00e?st=iV6HqL&reflink=desktopwebshare_permalink

I wonder if the job market will continue to lean towards non-college graduates? I always saw college as more of a "Holding Pen" for the employment market as there were only so many jobs available at any given time. Employees needed to retire so the new graduates could take over. As a side note, will this finally "Break the Back" of the soaring college costs issue? Only time will tell....

Unemployment among younger workers who didn’t go to college has rarely been lower in recent decades. It is the opposite story for college graduates.

https://www.wsj.com/economy/jobs/august-jobs-report-unemployment-c9da2f0c?st=65avsG&reflink=desktopwebshare_permalinkBet...
09/04/2026

https://www.wsj.com/economy/jobs/august-jobs-report-unemployment-c9da2f0c?st=65avsG&reflink=desktopwebshare_permalink

Better news on the job front, as the gains were pretty broad based. Hospitality lead the way but other sectors did fine. Per this article, a lack of immigration and more Baby Boomers retiring is keeping the U-4 unemployment rate at 4.1%. The U-6 (which is the one I look at) is sitting at 7.7%. Happy Labor Day Weekend!

The unemployment rate stayed at 4.1%, a historically low level that indicates the labor market remains generally healthy.

https://www.nytimes.com/2026/09/02/business/health-insurance-increases.html?unlocked_article_code=1.-FA.CgQG.GjQlpYa7lEn...
09/02/2026

https://www.nytimes.com/2026/09/02/business/health-insurance-increases.html?unlocked_article_code=1.-FA.CgQG.GjQlpYa7lEnh&smid=url-share

A complete "S**t Storm!" My wife's ACA agent informed her yesterday that her $5600 deductible policy with Blue Cross/Blue Shield in Illinois premium is going up 15.74%! She is already paying $1265/mo. I know "Medicare for All" is NOT the answer, but what is?

A new U.S. survey anticipates an average increase of 11 percent unless benefits are cut, the highest rate in decades. Other findings also predict a sharp rise.

https://www.wsj.com/opinion/whos-working-class-anymore-47e87ac0?st=GBPtNy&reflink=desktopwebshare_permalinkA timely opin...
08/31/2026

https://www.wsj.com/opinion/whos-working-class-anymore-47e87ac0?st=GBPtNy&reflink=desktopwebshare_permalink

A timely opinion piece in the Wall Street Journal about the American "Class Structure."
The lines between "Blue Collar and White Collar" have certainly blurred as electricians are making close to $300K annually working on data centers. Politicians on both sides of the aisle will be catering to the "Working Class" for votes. I wonder if it is time to just "Let Go" of all this "Class Discussion?"

Classes are now arbitrarily ranked by income, power and social connections.

https://www.wsj.com/finance/investing/what-a-125-year-old-bull-market-says-about-todays-trading-craze-59ee249e?st=MBXbyw...
08/28/2026

https://www.wsj.com/finance/investing/what-a-125-year-old-bull-market-says-about-todays-trading-craze-59ee249e?st=MBXbyw&reflink=desktopwebshare_permalink

I know that today's investor (or gambler) don't believe that "History Repeats Itself." I am not sure that there are any "Shorts Out There Anymore" and the "AI Trade" has enthralled millions. The "Excess Will Be Squeezed Out" and for the good of the market. Let the countdown begin.

Trading apps have replaced bucket shops, but Wall Street abounds with eerie parallels to 1901.

https://www.nytimes.com/2026/08/22/business/bonds-borrowing-costs-economy.html?unlocked_article_code=1.7VA.Wg0S.xBlttUIE...
08/22/2026

https://www.nytimes.com/2026/08/22/business/bonds-borrowing-costs-economy.html?unlocked_article_code=1.7VA.Wg0S.xBlttUIE1Yrn&smid=url-share

I don't know about you but the fact that the Federal Government will pay $1 Trillion in "Interest Payments" in 2026 is "MIND BOGGLING." We certainly have gotten use to lower rates for the past two decades and the assumption all along was that there needed to be a correction. Whether our economy can handle it without slipping into a recession is the question. rates

After roughly two decades of ultralow interest rates, a period of rapid readjustment is ahead for the United States, the world’s largest economy and most important financial system.

https://www.wsj.com/finance/investing/why-scott-bessent-is-playing-with-the-treasury-market-828256d4?st=5kFyT4&reflink=d...
08/20/2026

https://www.wsj.com/finance/investing/why-scott-bessent-is-playing-with-the-treasury-market-828256d4?st=5kFyT4&reflink=desktopwebshare_permalink

I know this will only appeal to "Bond Nerds," but our humble Treasury Secretary's actions are as one pundit remarked "Rearranging the Deck Chairs on the Titanic." The fact that nobody really cares about the recently achieved U.S. government debt of $40 Trillion is NOT surprising. Nonetheless, it certainly looks like "Higher Rates for Longer."

The simple explanation for all this is that the world is going into a new era of capital need, for data centers, the military and reshoring.

https://www.wsj.com/finance/investing/stock-picking-funds-are-performing-as-poorly-as-ever-fee28e30?st=AfDVs1&reflink=de...
08/16/2026

https://www.wsj.com/finance/investing/stock-picking-funds-are-performing-as-poorly-as-ever-fee28e30?st=AfDVs1&reflink=desktopwebshare_permalink

27% of Active Large Cap Mutual/ETF Funds Outperformed their Indexes" which I suppose is not horrible based on past performance. I am waiting for a "Real Bear Market" to see if all the analysts, money managers, T.V. investment gurus, technical wizards can lay waste to the "Passive Drumbeat." My money is on "Passive," but what the hell do I know? management management

Just 13% of U.S. large-cap funds have outperformed indexes over the past decade, new data show.

https://www.nytimes.com/2026/08/15/business/inflation-worker-pay.html?unlocked_article_code=1.5lA.Et8f.Kz5E54Oz1HSk&smid...
08/15/2026

https://www.nytimes.com/2026/08/15/business/inflation-worker-pay.html?unlocked_article_code=1.5lA.Et8f.Kz5E54Oz1HSk&smid=url-share

"Sixteen Tons and What Do You Get, Another Day Older and Deeper in Debt"-Tennessee Ernie Ford. Though inflation is lower, 3% raises are NOT CUTTING IT. Except for Wall Street, bonuses are smaller or none at all. Savings rates are plummeting as workers are spending every last dollar to keep up. The stock market AIN'T THE ECONOMY.

When prices spiked in 2021-22, wages failed to keep up for many workers, new research shows. Now the pattern is repeating.

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