Quarterly Insights Archive
Previous client letters from Mike Ovshak, CFP® and Nick Ovshak, CRPC®,CFP®
- April 2025 - Q1 2026 Market Update: Geopolitics, Oil, and Market Pullbacks
- 2025 Market Review: Strong Returns Amid Uncertainty
- 2024 Year in Review: Lessons for the Coming Year
- October 2024 - '4 Insights on the Fed, Election, and Volatility in Q4'
- May 2022 - 'Investing Is Not Easy'
- March 2022 - ' Looking Back at Q1 2022 and Ahead to the Next'
- October 2021 - 'Looking Back at the Markets in Q3 and Ahead to Q4 2021 '
- July 2021 - '2021 Midyear Economic Update '
- April 2021 - 'Looking Back at the Markets in Q1 and Ahead to Q2 2021'
- January 2021 - 'Looking forward to 2021'
- October 2020 - 'Looking Back at the Third Quarter and Ahead to the Fourth for 2020'
- July 2020 - 'Market Update Second Quarter, 2020'
- April 2020 - 'We are all in this together'
- January 2020 - '2020 Outlook: Continued Growth or Recession?'
- October 2019 - 'A Look Back at Q3 and Forward to Q4 of 2019'
- July 2019 - 'A Look Back at the Markets in Q2 and Ahead to Q3 2019'
- April 2019 - 'First Quarter 2019 Market Update - Not a Bad Place to Be'
- January 2019 - 'Looking back on 2018 and forward to 2019'
- December 2018 - 'Market Volatility Update'
- November 2018 - 'A Look at October 2018 Market Volatility'
- October 2018 - 'Third Quarter Market Update'
- July 2018 - 'Second Quarter Market Update'
- April 2018 - 'First Quarter Market Update'
- February 2018 - 'What Does the Market Decline Mean for You?'
- January 2018 - 'Market Update for 2017'
- December 2017 - 'Tax Cuts and Jobs Act of 2017: What Taxpayers Need to Know'
- October 2017 - 'Third Quarter 2017 Market Update'
- September 2017 – 'Equifax Breach'
- July 2017 – 'Midyear Forecast: The Economy and Markets in 2017'
- April 2017 – 'Is the Recent Market Rally Based on Hope or Facts?'
- January 2017 – 'Year-End Recap and Outlook for the Year Ahead'
- October 2016 – 'Tuning out short-term noise'
- June 2016 – 'We are living in interesting times'
- April 2016 – 'No Fooling: Markets End Quarter in the Black'
- January 2016 – 'Is This the Way the World Ends? A Look at January Market Volatility'
- January 2016 – 'The year in review and the year ahead'
- October 2015 – 'Third Quarter 2015 Market Update: Volatility Returns to the Stock Market'
- August 2015 – 'Believe It or Not This is Normal'
- July 2015 – 'Second Quarter 2015 Market Update: Investors Can’t Always Get What They Want'
- April 2015 – 'First Quarter 2015 Market Update: Buckle Up, as the Ride Could Soon Get Bumpier'
- January 2015 – 'Looking Back on 2014 and Ahead to 2015'
- October 2014 – 'When Will Stock Market's Winning Streak End'
- July 2014 – 'Economy and Markets Heating up with Summer's Arrival'
- April 2014 – 'First Quarter 2014: Will Warmer Temperatures Heat up the Economy'
- January 2014 – '2013: The Year in Review and a Look Ahead'
- November 2013 – 'Special Market Update: Thoughts on Financial Markets and Investment Expectations'
- October 2013 – 'Third Quarter 2013: Potential Pullback, Positive Outlook'
- July 2013 – 'Second Quarter 2013: More Volatility, but Not Unexpected'
- April 2013 – 'First Quarter Market Update'
- January 2013 – '2012: The Year in Review and a Look Ahead'
- October 2012 – 'Third Quarter Commentary: The Economy & the Markets: Going Into the Home Stretch'
- July 2012 – 'Second Quarter Commentary: The Economy and the Markets: Status at Half-Time'
- April 2012 – 'First Quarter Market Update'
- January 2012 – '2011: The Year in Review'
- October 2011 – 'Which Way Are We Going?'
- August 2011 – 'Here We Go Again, Again: The S&P Rating Downgrade'
- July 2011 – 'Second Quarter Market Update and Dealing with Our Debt'
- July 2011 – 'DEFCON: An Examination of the Debt Ceiling 'Crisis''
- April 2011 – 'Market Review for the First Quarter 2011'
- March 2011 – 'Uncertain for Certain
- January 2011 – '2011 Investment Outlook'
- October 2010 – 'FPS Market Update Letter'
- May 2010 – 'FPS Market Update Letter'
- April 2010 – 'Market Update for First Quarter 2010'
- February 2010 – '2010 Financial New Year’s Resolutions'
- January 2010 – 'New Year Letter'