Cobblestone Asset Management

09/04/2026

Markets pushed higher in August as AI-driven optimism helped investors look past softer economic data. The S&P 500 gained 2.62% and the S&P/TSX Composite rose 2.96%, even as softening retail sales kept consumer spending in focus. Back-to-school season adds another data point to that story, with spending expected to reach \$146.8 billion in the U.S. and \$4.5 billion in Canada this year.

The Standard & Poor’s 500 Index advanced 2.62 percent, while the Nasdaq Composite rose 3.93 percent. The Dow Jones Industrial Average lagged, adding 1.34 percent. The S&P/TSX rose 2.96 percent.1,2

08/21/2026

Life insurance is often framed as something you only think about "just in case."

But for many people, it can be part of a broader financial foundation—supporting both current flexibility and future considerations.

From how coverage works to what employer benefits actually provide, understanding the basics can make it easier to decide what fits your situation.

Several factors affect the cost and availability of life insurance. And any guarantees associated with a policy depend on the issuing insurance company's ability to continue making claim payments.

08/07/2026

Markets navigated mixed signals in July. Inflation eased, tech faced pressure, and energy surged. Meanwhile, Americans are planning record travel spending in 2026: \$1.37 trillion. What's shaping your household budget this summer?

Stocks were mixed in July as investors navigated a cross-current of news on the outlook for AI spending and Q2 corporate reports.

07/31/2026

Building wealth is only part of the financial journey. The other part is making sure your assets, values, and wishes are carried forward exactly as you intend.

An estate plan isn't just for the ultra-wealthy — it's an important part of protecting the people you care about most.

Take time to review:
• Beneficiary designations on retirement accounts and insurance policies
• Your will and any trusts
• Powers of attorney and healthcare directives
• How your assets are titled
• Whether your estate plan still reflects your family's current needs

Life changes. Your estate plan should, too.

Thoughtful estate planning can help reduce uncertainty, preserve family harmony, and ensure that the legacy you've worked so hard to build continues for generations.

07/24/2026

Financial planning isn't just about preparing for retirement—it's about creating the freedom to live the life you envision.

Whether your goals include purchasing a home, funding a child's education, growing your wealth, leaving a lasting legacy, or simply feeling more confident about your financial future, every goal deserves a thoughtful strategy.

A strong financial plan connects today's decisions with tomorrow's opportunities, helping you navigate life's milestones with greater clarity and purpose.

At Cobblestone Asset Management, we believe planning is about more than numbers—it's about helping you pursue the future you've worked hard to build.

Learn more about our financial planning approach:

A sound financial plan plays a key role in financial success. What does a ‘good’ plan do? It looks at where you are today and where you want to be, and then it figures out the best way to get there.

07/17/2026

When most people hear the word "taxes," they think of filing deadlines in March or April. But some of the most valuable tax-saving opportunities happen before the end of the year.

That's why July is the perfect time for a mid-year financial check-in.

Ask yourself:
• Am I on track to maximize my retirement contributions?
• Have I reviewed opportunities for tax-efficient investing?
• Should I consider harvesting capital gains or losses this year?
• Would a Roth conversion make sense given my current tax bracket?
• Have I incorporated charitable giving into my overall financial plan?

Tax planning isn't about finding last-minute deductions—it's about making intentional financial decisions throughout the year that align with your long-term goals.

By reviewing your strategy now, you have time to make meaningful adjustments before year-end, rather than rushing to meet deadlines in December.

Every investor's situation is different, which is why a proactive, personalized approach can make a significant difference over time.

If you haven't revisited your tax strategy yet this year, now is a great time to start the conversation.

07/10/2026

Markets posted solid second-quarter gains as investors responded to upbeat economic reports, continued diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The S&P 500 rose 14.87%, the Nasdaq gained 21.41%, and the Dow picked up 12.90%, while Canada’s S&P/TSX Composite added 6.37%. Looking ahead, markets may continue to react to Middle East updates, oil prices, inflation trends, and the pace of global commerce through the Strait of Hormuz. From U.S. home price growth to Canadian housing forecasts, this quarter’s by-the-numbers highlights the data behind one of North America’s most closely watched markets.

Stocks saw solid gains in the second quarter, riding a wave of enthusiasm over upbeat economic reports, ongoing diplomatic efforts in the Middle East, and strong first-quarter corporate numbers.

07/06/2026

The most successful teams don't chase every opportunity on the field, they trust their game plan, make thoughtful adjustments, and stay focused on the ultimate goal.

Your financial life deserves the same approach.

Markets will have winning streaks and setbacks. Headlines will compete for your attention. But long-term success isn't built by reacting to every play—it's built through disciplined planning, thoughtful decision-making, and a strategy designed around your goals.

At Cobblestone Asset Management, we believe the strongest financial plans aren't about predicting every move, they're about preparing for whatever comes next.

As you enjoy the excitement of the World Cup, remember: the best victories — on the field and in your financial life — come from playing the long game.

USA takes on Belgium tonight at 8:00pm EST. Let's rally behind them as they battle for a monumental victory and a spot in the next round!

07/04/2026

Today, we celebrate the freedoms and opportunities that make our country strong—and we're reminded that some of life's greatest achievements are built over time.

Just as our nation's future has been shaped by thoughtful planning, resilience, and perseverance, financial confidence is built through patience, preparation, and a long-term perspective.

As you gather with family and friends this Independence Day, we hope you have a safe, relaxing, and memorable holiday.

Happy Independence Day from all of us at Cobblestone Asset Management!

06/30/2026

Investment News Awards 2026 - Rich was honored to be recognized as a finalist for Advisor of the Year. Incredible night alongside so many outstanding professionals.