Watts Capital Partners, LLC

06/11/2025

Do you know how much you’ll spend during your retirement? The answer may be more complicated than you’d expect. Learn more here.

It can be difficult for clients to imagine how much they’ll spend in retirement. This short, insightful article is useful.

06/11/2025

“The four most dangerous words in investing are: ‘This time, it’s different.’”
– Sir John Templeton

It’s normal to feel uneasy during periods of market volatility—especially when uncertainty around policies, the economy, or tariffs adds to the noise.

Nevertheless, history offers some perspectives that are hard to ignore.

Here’s what the data shows:

▪️ Missing just the 10 best days in the market over the last 30 years cuts your return in half.
▪️ Past performance does not guarantee future results.
▪️ Missing the 30 best days in the market cuts your total return by 83%.
▪️ Stocks are represented by the Standard & Poor’s Composite Index. However, index performance does not necessarily reflect the past performance of any particular investment.
▪️ Here’s the kicker: 78% of those “best days” happen during bear markets or within the first two months of a recovery.

Markets move fast. Reacting to short-term headlines might feel like playing defense—but over time, investors with a disciplined approach often come out ahead.

We help clients maintain perspective, manage risk thoughtfully, and focus on what’s within their control. Remember, however, that the return and principal value of stock prices will fluctuate as market conditions change. Moreover, shares, when sold, may be worth more or less than their original cost.

If you’re wondering whether your investment strategy is built for times like these, let’s talk.

06/10/2025

Have you heard of "Swedish Death Cleaning?"

Inspired by the book “The Gentle Art of Swedish Death Cleaning” by Margareta Magnusson, it’s about decluttering with purpose—so that you and your loved ones won’t be left with years of accumulated “stuff.”

A couple in their 50s recently shared how helping a parent downsize led them to an important question: Why wait until it’s absolutely necessary to organize our lives?

Here are some tips for organizing our lives now:
1️⃣ Start with less sentimental items—closets and storage.
2️⃣ Tackle large items first, then smaller ones.
3️⃣ Organize digital files and passwords.
4️⃣ Create a system for organizing keepsakes.
5️⃣ Gather and organize key documents.
6️⃣ Use color stickers (red for items to let go and green for items to keep).
7️⃣ Talk with your family about what matters.

It’s amazing how much lighter life can feel when you clear out what no longer serves you. Sometimes, the simplest step—just getting started—makes the biggest difference.

06/09/2025

Three tips for giving smart from the heart.

Do you have causes that you want to support with donations?

06/06/2025

Do you know the risk factors that can lead to cognitive decline?

Try these activities to keep your brain sharp.

06/05/2025

Nearly half a million Americans were victims of tax identity theft in 2024. Could you be next?

Here’s how it happens:

A scammer uses your personal info—like your Social Security number—to file a fake tax return and claim a refund.

When you file your real return, it’s rejected. Then comes the paperwork, delays, and frustration.

The good news: according to a 2025 report in “The Wall Street Journal”, there’s a simple way to protect yourself.

✅ The IRS offers a six-digit Identity Protection PIN (IP PIN) designed to prevent fraud. If a return is filed without the proper IP PIN, it’s automatically rejected.

✅This PIN is unique, is changed annually, and can even be issued for your dependents.

✅ It also helps manage delays caused by “false positives”—returns that are flagged incorrectly for fraud.

If you filed an extension and plan to submit your return by October, now’s the time to take action. Taking this small step now could help you avoid a major headache later.

This post is not a substitute for professional advice. If you have more questions, we encourage you to consult your tax, legal, or accounting professional.

06/05/2025

Strong earnings and renewed trade momentum helped push stocks higher in May, with the S&P 500 flipping back into positive territory for the year. Even a Fed pause and a credit downgrade couldn't stall the rally. The latest Market Insights explores the trends behind the gains and what could influence the second half of 2025.

Monthly Market Insights | June 2025 U.S. Markets Stocks notched solid gains in May as investors cheered progress on trade deals and upbeat first-quarter corporate reports. The Standard & Poor’s 500 Index gained 6.15 percent, while the Nasdaq Composite picked up 9.56 percent. The Dow Jones Industri...

06/04/2025

Retirement choices can be intimidating. This piece helps you pick the right strategy for your business and employees.

Retirement choices can be intimidating. Picking the right strategy.

06/04/2025

👉 According to a 2025 study by the Alzheimer’s Association, one in every three seniors dies of Alzheimer’s disease or another form of dementia.

👉 The study added that over 11 million Americans are unpaid caregivers for loved ones living with the disease.

June is Alzheimer’s & Brain Awareness Month.

As financial professionals, we’ve seen how Alzheimer’s disease can impact more than memory. It touches every part of a family’s life—both emotionally and financially.

That’s why any long-term financial strategy should involve considering the following questions in case your family is affected:

✅ Do you have the right legal documents in place?
✅ Do you understand the potential care costs and coverage choices?
✅ Have you had a “family financial meeting” to talk about your wishes?

This month, try setting aside time for those conversations. A little preparation today can provide clarity and direction for tomorrow.

Resources and guidance are available at alz.org/abam.

06/02/2025

Have you used a junk-drawer approach to manage your investments?

It's easy to let investments accumulate like old receipts in a junk drawer.