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..

I don't know about "UnderSpending." My 92-year old mother-in-law is "tapped out" and thankfully has LTC insurance for sk...
06/08/2026

I don't know about "UnderSpending." My 92-year old mother-in-law is "tapped out" and thankfully has LTC insurance for skilled nursing otherwise off to some understaffed, petri dish of a Medicaid provider run by the slimiest of the slime operators. I have friends whose investment advisors have told them the same thing about "Spend, Baby, Spend" but........ BTW, I am all for "Giving It All Away" before you're "Worm Bait" but there are few that can do both.

Retirees often focus on the risk of spending too much in retirement. But spending too little poses another kind of danger.

The divergence between the strong stock market/corporate earnings and the unemployment situation is widening. No wonder ...
06/05/2026

The divergence between the strong stock market/corporate earnings and the unemployment situation is widening. No wonder that consumer confidence is at a 50 year low! The consumers drive the American economy so we will see who eventually will "win" the game.

Long-term unemployment can have ramifications on financial, emotional and family health that linger even after reentry into the workforce.

While there is no question that Social Security funding needs to be reformed (i.e. Uncap the Taxable Wage Base), these "...
06/04/2026

While there is no question that Social Security funding needs to be reformed (i.e. Uncap the Taxable Wage Base), these "Chicken Little" reports are doing our Senior Citizens no good. Medicare/Social Security are the "Electrified Third Rail" of American politics and there is NOT one person in Congress who is going to become a "Crispy Critter." The demographic with the largest voting percentage is 65+ so let's get this solved and move on.

Social Security faces a looming depletion date for its retirement trust fund. A new report looks at how much benefit cuts Americans may see to their benefits.

Per a previous Missive, I tend to believe that we are in an "E-Shaped Economy" not a "K-Shaped Economy." The "Financial...
06/02/2026

Per a previous Missive, I tend to believe that we are in an "E-Shaped Economy" not a "K-Shaped Economy." The "Financial Middle" is working with decent income, but has little room for error. As long as the economy stays resilient, they will be fine, but heaven help them if a recession rears its ugly head.

In a poll, more than half of respondents consider themselves financially “conflicted.”

Calling "Tops and Bottoms" of the stock market is a perilous. Though "History Does Repeat Itself," when is always the qu...
06/01/2026

Calling "Tops and Bottoms" of the stock market is a perilous. Though "History Does Repeat Itself," when is always the question. My worry is that older investors have become "giddy" in their investment gains while not understanding the time it takes to make-up a significant loss. A 40% loss requires around a 67-70% return to get "Even." I urge 55+ retirement plan participants to take heed.

Surging stock performance in May was concentrated in the AI adjacent.

I don't give a "rat's ass" about AI spending, blow-out corporate profits, or parabolic stock share moves. The American E...
05/29/2026

I don't give a "rat's ass" about AI spending, blow-out corporate profits, or parabolic stock share moves. The American Economy is 70% "Consumer Driven" and when they goes in the crapper, hang on for dear life.

Soaring interest rates and stubborn inflation have led to the highest delinquencies since the financial crisis. More families are shifting to “a pattern of survival debt.”

So, the top 5 models requiring $1k+ monthly payments are pick-up trucks. I will go "Out on a Limb" and say that these ve...
05/28/2026

So, the top 5 models requiring $1k+ monthly payments are pick-up trucks. I will go "Out on a Limb" and say that these vehicles are work related. If so, how is this sustainable?

The top five models for the $1,000-plus payments were popular pickup trucks including the Ford F-150, Chevrolet Silverado 1500 and Ram 1500.

https://www.wsj.com/economy/phoenix-built-an-empire-of-cubicle-jobs-ai-is-coming-to-tear-it-down-fb64bb68?st=X7ZZbp&refl...
05/27/2026

https://www.wsj.com/economy/phoenix-built-an-empire-of-cubicle-jobs-ai-is-coming-to-tear-it-down-fb64bb68?st=X7ZZbp&reflink=desktopwebshare_permalink

As promised, I will continue to monitor the employment picture on multiple levels. I don't think anyone can gage the ultimate impact of AI on jobs at this point. This WSJ article is certainly telling.

Careers in customer service, accounting and data entry once paved the way to the middle class. Now, workers are “literally digging my own grave.”

As previously written about in a Missive and various times on Linkedin, this "Crony Capitalism" that the Trump Administr...
05/21/2026

As previously written about in a Missive and various times on Linkedin, this "Crony Capitalism" that the Trump Administration is engaging in is no different than China. Picking Winners/Losers and also "Pumping Up the Stock Market" is pathetic. It would be funny if it wasn't so serious.

Quantum computing shares popped in premarket trading following reports that the U.S. government will award grants to nine firms operating in the space.

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