Human Investing

03/06/2026

Why do oil prices matter so much? Energy plays a central role in the global economy because oil sits near the beginning of the production chain for many industries. It powers transportation networks, supports manufacturing, and is embedded in the production of everyday goods ranging from food to plastics and chemicals. When oil prices rise quickly, those higher costs move through supply chains and eventually reach businesses and households in the form of higher prices.

History shows that sharp oil spikes have often coincided with periods of economic stress, though they are rarely the sole cause.

To learn more about its impact, read the full article at the link below.⁠

Recent developments in the Middle East have once again drawn attention to oil markets. When tensions rise in regions responsible for a meaningful share of global energy production, investors naturally begin to ask how higher oil prices might influence the broader economy and financial markets.

02/24/2026

One of the more common questions we hear from both clients and prospective clients is, “How can my portfolio better reflect what I care about?” Enter ESG investing: a way to invest while considering Environmental, Social, and Governance (ESG) factors. We break down what ESG is, how it works (including common misconceptions), and whether it might make sense for you. Read the full article below:

Investing isn’t just about numbers. For many, it’s about making choices that reflect personal values while still aiming for long-term investment growth. One of the more common questions we hear from both clients and prospective clients is, “How can my portfolio better reflect what I care about...

12/16/2025

Is the AI boom just another dot-com bubble? Not quite.
Here’s why today’s AI surge is fundamentally different:
• Real revenues and profits, not just promise
• Enterprise adoption at scale, not experiments
• Productivity gains across industries, not single-use tech
Understanding these differences matters for long-term investors.

Read our full article below:

There is a growing chorus calling today’s AI surge the next dot-com bubble. Even well-known voices like Michael Burry, who predicted the 2008 housing crisis, have drawn the comparison. It sounds convincing at first, but the comparison breaks down quickly. And for long-term investors, understanding...

12/10/2025

Holding cash might feel safe but over time, inflation quietly chips away at its value, and that “safety” could end up costing you. The smartest move? Keep enough cash for short-term needs and let the rest work for you: a thoughtful investment plan helps protect your purchasing power and grow real wealth. Don’t let false “security” steal your financial future.

Read our full article below.

Cash has its place in any financial plan. However, holding too much cash or cash-like investments like a CD or a Money Market account can be one of the most overlooked risks when it comes to long-term planning.

12/03/2025

Most financial stress doesn’t come from unexpected events; it comes from not being prepared for them. A solid plan can turn uncertainty into confidence and choices into progress.

12/03/2025

Your 401(k) deserves more than autopilot. From maximizing contributions to reviewing investments and fees, small adjustments today can create big impact later. If you’re not checking in regularly, now’s the time. Grab your copy of Becoming a 401(k) Millionaire at our link in bio!
Your future self will thank you.

10/29/2025

If you’re 50 or older and making catch-up contributions to your 401(k), there’s a big change on the horizon.

Starting in 2026, higher earners will need to make those extra contributions as Roth (after-tax) dollars. That means no upfront tax break, but tax-free growth later.

Employers should also note that plans will need a Roth option in place for employees and payroll systems ready before the rule kicks in.

We break down what this means and how to prepare in our latest blog:

In mid-September, the IRS and Treasury finalized how a piece of the SECURE 2.0 Act will work. The short version: starting in 2026, certain higher-earning workers will only be able to make their catch-up contributions as Roth (after-tax) dollars.

10/21/2025

Rivermark wealth management partner Human Investing is hosting a master class on making your retirement money and benefits last. Join us to learn about positioning your accounts for retirement, creating tax-efficient income strategies, avoiding retirement pitfalls, and more.

In-person | Rivermark Hawthorne branch | November 12 @ 6 pm
Virtual session | November 13 @ Noon

Register now! humaninvesting.com/events/retirement-masterclass-access

10/02/2025

In recent years the PNW has fell victim to natural disasters, and the rebuilding periods that follow are long, complex, and deeply personal. If you have received a settlement (or expect to), you are not just receiving a payout, but an opportunity to rebuild with intention.

Below are 5 financial steps we believe will help make the most of your settlement:
1️⃣ Protect what you have with a clear plan
2️⃣ Create financial stability before pursuing growth
3️⃣ Address taxes early to avoid surprises
4️⃣ Invest wisely with your long-term goals in mind
5️⃣ Build a legacy that lasts for future generations

Read these steps in more detail in our latest blog:

If you're receiving a settlement after a hardship, know this: you're not alone, and it is normal to ask, “What now?” This may be the most significant sum of money you’ve ever received. But it’s more than just a windfall. It’s a crossroads. What you do next can shape your financial peace fo...

09/24/2025

Writing a check is simple. Giving wisely takes intention.🌱

The OBBBA reshaped how charitable giving works. For thoughtful givers, that means both a challenge and an opportunity.

At Human Investing, we believe generosity deserves the same thoughtful structure as the rest of your financial life. Every dollar should reflect what matters most.

Click below to read the full article.

Starting in 2026, millions of households, high-income donors, and businesses will face new incentives and new hurdles when they decide how much to give. The details are technical, but the story is simple: with the right strategy, you can give more, save more, and make sure your money tells the story

09/19/2025

Over time, portfolios drift away from their target allocation changing your risk & return profile without you even noticing. In our latest blog see why we think combining calendar-based and tolerance-based rebalancing might be the key to staying on track.

Rebalancing is the idea that you are bringing your investment portfolio back to it’s targets. For example, if you invest your account as 60% stocks and 40% bonds (60/40) and never trade, in ten years your account will not be 60% stocks.

08/13/2025

Big news for retirees!📰

Coming out of the OBBBA is the new "Senior Bonus Deduction" where those 65+ qualify for an additional $6,000 tax deduction regardless if you itemize or not. If you or someone you know is over 65, it may be time to revisit your retirement plan!

Click below to read the full article.

On July 4, the One Big Beautiful Bill Act (OBBBA) became law, as a broad tax and spending package aimed at easing inflation and delivering financial relief to Americans. One of the most notable provisions for retirees is a new $6,000 “senior bonus deduction” for individuals age 65 and older.