Issue 13 • September 02 to September 15, 2025
As a value investor, I often emphasize that protecting from downside risk is just as important as striving for the upside. Most people think of risk in terms of market developments including recessions, inflation, or business risk.
Issue 12 • August 15 to August 31, 2025
“Everything should be made as simple as possible, but not simpler.”
~ Albert Einstein
In a world of instant news, market noise, geopolitical developments and endless “hot tips,” clear and disciplined equity investing principles are more important than ever.
Issue 11 • August 01 to August 15, 2025
“Instead of chasing returns, bonds should serve as a financial tool, protecting capital and delivering dependable income” – Bill Gross (PIMCO co‑founder & “Bond King”)
Periods of higher interest rates create challenges for individuals relying on borrowed capital, but they also bring opportunity for investors seeking reliable income and stability.
Issue 10 • July 18 to July 31, 2025
The US Congress recently passed H.R. 1 – To provide for reconciliation pursuant to title II of H. Con. Res. 14, commonly referred to as the “One Big Beautiful Bill”, which includes changes across several areas: income deductions for business owners, expanded uses for 529 education savings plans, higher limits for charitable contributions, and a temporary increase in the state and local tax (SALT) deduction.
Issue 9 • July 01 to July 15, 2025
“Your children are not your bank accounts, and your wealth is not your identity. If you want both to last, you must separate the two.”
~ Inspired by James E. Hughes Jr. (family governance expert) and Carl Jung (depth psychologist)
Issue 8 • June 16 to June 30, 2025
“Someone’s sitting in the shade today because someone planted a tree a long time ago.”
~ Warren Buffett
Buffett’s words reflect a timeless principle at the heart of wealth planning: the most valuable outcomes often come from preparation done well in advance.
Issue 7 • June 01 to June 15, 2025
Imagine this. It’s 1924. Your great-grandfather has $72,000, which he received as the proceeds from selling a small business.
Issue 6 • May 16 to May 31, 2025
When most people think of investment risk, they think of stock market volatility, interest rate changes, or economic cycles. But today, a new kind of risk is quietly eroding the financial security of thousands of Americans: highly sophisticated fraud powered by artificial intelligence.
Issue 5 • May 1 to May 15, 2025
At Ridgewood, we often say that the biggest risks investors face aren’t created in the markets; they are often internal and emotional in nature.
Issue 4 • April 16 to April 30, 2025
We’re on the cusp of an economic transformation akin to the steam engine, electricity and the internet. Artificial intelligence is a powerful and general-purpose technology that is now diffusing into the mainstream economy.
Issue 3 • April 1 to April 15, 2025
Markets and consumers have shown increased pessimism this year. The back-and-forth from the new Trump administration surrounding tariffs has created volatility and apprehension among investors. The potential for increased trade costs and retaliatory measures only adds to this unpredictability.
Issue 2 • March 16 to March 31, 2025
Since the November 2024 election, markets have experienced notable fluctuations. On Election Day the S&P 500 closed at 5,929.04 and reached a record high of 6,147.71 on January 23.
