https://www.towneley.com/insights daily 0.75 2026-03-27 https://www.towneley.com/insights/market-timing-study-dont-blink-jgx7f monthly 0.5 2026-01-08 https://www.towneley.com/insights/market-timing-study-dont-blink monthly 0.5 2026-03-27 https://www.towneley.com/insights/the-basics-of-investing-small-steps monthly 0.5 2025-10-30 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/0c3eb9a6-8b86-43fa-9a2c-2265044a80e0/Screenshot+2025-10-30+140127.png Insights - The Basics of Investing: How Small Steps Today Build Lasting Wealth - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/05cb61ee-2b70-452f-b5f5-55fe2386bd8d/Screenshot+2025-10-30+140326.png Insights - The Basics of Investing: How Small Steps Today Build Lasting Wealth - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/d98aa19e-71e9-45e1-ba2c-fb159356c285/Screenshot+2025-10-30+140550.png Insights - The Basics of Investing: How Small Steps Today Build Lasting Wealth - Instant Variety Pack Instead of betting on one stock, you buy a basket of many. Think of it like a Spotify playlist instead of just one song on repeat. How You Earn: Growth from the basket of investments + dividends or interest. Risk: Depends on the mix—some are growth-focused, others are steady. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/128c5b17-562c-4cb1-9431-72580897ef05/Screenshot+2025-10-30+140912.png Insights - The Basics of Investing: How Small Steps Today Build Lasting Wealth - Don’t Bet It All on One Thing Putting all your money into one stock is like only watching one show. If it gets canceled, you’re stuck. Diversification is like having Netflix, Hulu, and Disney+—no matter what happens, you’re covered. Mutual funds and ETFs do this for you automatically, spreading your money across hundreds of companies. ⚡Quick Win: For beginners, ETFs and index funds are the easiest way to create a diversified portfolio. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/722210c6-512c-4bf7-8c5f-2cc22e90c8c7/Screenshot+2025-10-30+141325.png Insights - The Basics of Investing: How Small Steps Today Build Lasting Wealth - Make it stand out Benchmark allocation information is located on the notes page at the end of this document. Source: Towneley Capital Management Inc.; Standard & Poor's Corp; Global Financial Data, Inc. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/21ff0b75-880d-4fbd-9499-dc7dfca64707/Screenshot+2025-10-30+141420.png Insights - The Basics of Investing: How Small Steps Today Build Lasting Wealth - Socially Responsible Investing (SRI) Want your money to reflect your values? Socially Responsible Investing (SRI) focuses on companies that care about the planet, people, and ethical practices—like renewable energy, fair treatment of workers, and diversity. It’s like putting your dollars where your values are. The tradeoff? SRI funds sometimes cost a little more and may not always beat traditional funds. That’s why many investors mix them in rather than going all-in. ✅ Bottom line: You can grow wealth and support causes you care about. https://www.towneley.com/insights/diversification-is-paying-off monthly 0.5 2025-07-24 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/96e82e29-bfe1-4812-b983-bc1c494ca505/Screenshot+2025-04-28+120524.jpg Insights - Diversification is Paying Off - Make it stand out The Balanced Portfolio is a 60/40 historical index calculation consisting of 40% U.S. Large Cap, 5% Small Cap, 10% International Developed Equities, 5% Emerging Market Equities, 35% U.S. Bonds, and 5% Commodities. Latest data point is April 11, 2025 Source: Clearnomics, LSEG, ©2025 Clearnomics https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/45eefc85-b9cf-45bb-a6b2-3ed59a244238/Screenshot+2025-04-28+121009.jpg Insights - Diversification is Paying Off - Make it stand out Source: Dimensional Fund Advisors. (2025, March). Do downturns lead to down years? Retrieved April 16, 2025 https://www.towneley.com/insights/2025-resilience-or-reckoning monthly 0.5 2025-01-23 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/ec665f3b-1d34-4e15-9230-807d39d6c818/Capture+1.PNG Insights - 2025: A Year of Resilience or Reckoning? - Make it stand out Source: Clearnomics, OECD © 2024 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/d4591c7e-45dd-4659-bc33-007261cac7f2/Capture+2.PNG Insights - 2025: A Year of Resilience or Reckoning? - Make it stand out Source: Longtermtrends.net https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/bc904f09-3ce2-4d1d-b670-2abd3166511c/Capture+3.PNG Insights - 2025: A Year of Resilience or Reckoning? - Make it stand out Latest data point is Dec 3, 2024 Sources: Clearnomics, Standard & Poor’s, MSCI, LSEG © 2024 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/0e29c632-4b82-4e34-b4f9-5a55a31ee348/Capture+4.PNG Insights - 2025: A Year of Resilience or Reckoning? - Make it stand out Sources: DoubleLine, Bloomberg Z-scores measure the number of standard deviations above or below the mean of the sample. Dashed lines represent the Z-score as of October 31, 2024. You cannot invest directly in an index. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/27e63059-c89b-4182-872b-cfc5994b64d2/Capture+5.PNG Insights - 2025: A Year of Resilience or Reckoning? - Make it stand out Latest data point is Jul 2024 Sources: Clearnomics, U.S. OMB © 2024 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/64317dd8-fd7a-4088-9bf1-416949994f9e/Capture+6.PNG Insights - 2025: A Year of Resilience or Reckoning? - Make it stand out fred.stlouisfed.org Sources: Treasury, BEA © 2004-2024 Towneley Capital Management, Inc. All rights reserved. Any use, including reproduction, modification, distribution, or republication, without the prior written consent of Towneley Capital Management, is strictly prohibited. https://www.towneley.com/insights/resilience-in-the-markets monthly 0.5 2025-01-10 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/1334c8d8-7b10-4902-9eb2-089eaf87c00b/Capture.PNG Insights - Resilience in the Markets: Key Updates in Q4 - Make it stand out Latest data point is Dec 31, 2023 Source: Clearnomics, Standard & Poor’s © 2024 Clearnomics https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/106aeefd-e6d8-49bd-9e74-795d0b7a15be/Capture+2.PNG Insights - Resilience in the Markets: Key Updates in Q4 - Make it stand out fred.stlouis.org Source: Treasury; BEA © 2004-2024 Towneley Capital Management, Inc. All rights reserved. Any use, including reproduction, modification, distribution, or republication, without prior written consent of Towneley Capital Management, is strictly prohibited. https://www.towneley.com/insights/ten-steps-to-leaving-a-lasting-legacy monthly 0.5 2024-11-04 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/89d24bce-7adc-4732-83ec-2badc7119d66/Close-up-of-senior-hands-giving-small-plant-to-a-child-953772938_726x485.jpeg Insights - Ten Steps to Leaving a Lasting Legacy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/what-to-do-when-a-loved-one-dies-a-checklist-for-survivors monthly 0.5 2024-09-10 https://www.towneley.com/insights/leaving-a-legacy-for-grandchildren-options-for-grandparents monthly 0.5 2024-09-10 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/6334e570-9580-4f0b-9d6b-f0d5e6354238/Gifting-money-to-grandchildren-TRL-blog-feature-image.png Insights - Leaving a Legacy for Grandchildren: Options for Grandparents - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/legacy-and-end-of-life-checklist monthly 0.5 2024-09-10 https://www.towneley.com/insights/strategic-tax-planning-case-study monthly 0.5 2024-08-06 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/81af48e9-fec7-41ef-934f-31601f86e585/image+4.JPG Insights - Strategic Tax Planning - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/a-tale-of-two-markets monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/59b9ea5a-40b4-464e-8d07-fead32675d81/Image+1.JPG Insights - 2024 Mid-Year Outlook: A Tale of Two Markets - Make it stand out Date Range: 12/29/2023 - 06/28/2024 Source: YCharts - accessed on July 1, 2024. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/78b8e8bd-9537-4f39-8caa-a6acfc16f066/Image+2.JPG Insights - 2024 Mid-Year Outlook: A Tale of Two Markets - Make it stand out Latest data point is June 18, 2024 https://www.towneley.com/insights/spring-cleaning-getting-organized-with-your-finances monthly 0.5 2024-07-19 https://www.towneley.com/insights/2023-year-in-review-and-2024-outlook monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/c5ff7686-c570-4177-86fc-160cf0c2d98a/Screenshot+2024-01-11+112418.png Insights - 2023 Year in Review and 2024 Outlook - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/22aea97d-adc4-4b3e-932c-e337413c084c/2.png Insights - 2023 Year in Review and 2024 Outlook - Make it stand out Source: Clearnomics, U.S. OMB ©2023 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/41661ee3-926c-4f41-9aa0-561da3bd5a6e/3.png Insights - 2023 Year in Review and 2024 Outlook - Make it stand out Source: Treasury, BEA fred.stlouisfed.org https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/089e3414-6b1c-4378-92b4-bca368c355b5/4.png Insights - 2023 Year in Review and 2024 Outlook - Make it stand out Source: OECD Economic Outlook, November 2023 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2b874451-7eb6-4f0f-b4d8-339404e2a4a1/5.png Insights - 2023 Year in Review and 2024 Outlook - Make it stand out Source: Bloomberg, DoubleLine Equity Risk Premium is measured by the S&P 500's 12-month forward earnings yield (1/PE) minus the U.S. 10-year Treasury Yield. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/a59540d9-c766-4026-a3c1-19eb1c354014/6.png Insights - 2023 Year in Review and 2024 Outlook - Make it stand out Source: Morningstar. Top 5 holdings determined using the SPDR S&P 500 EFT Trust. Data as of 12/31/2023. https://www.towneley.com/insights/market-insights-q-and-a-with-towneleys-investment-committee monthly 0.5 2024-01-11 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/c3f1aa25-6483-4638-8c0d-da77ea5dc823/Question+1.JPG Insights - Market Insights: Q&A with Towneley’s Investment Committee - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/3a17a876-a552-45ee-a2f2-a1b408a81e9f/Q2.JPG Insights - Market Insights: Q&A with Towneley’s Investment Committee - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/8c501832-1dc1-41e2-9324-cda94bf916f2/Q3.JPG Insights - Market Insights: Q&A with Towneley’s Investment Committee - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/market-insights-amidst-escalating-middle-east-conflict monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/1996d892-c76a-46cc-9d61-19206dd8333e/Capture.JPG Insights - Market Insights Amidst Escalating Middle East Conflict - Make it stand out Sources: Clearnomics, Standard & Poor’s © 2023 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/ac9cb2a7-e145-449c-989a-18a918031971/Capture.JPG+2.JPG Insights - Market Insights Amidst Escalating Middle East Conflict - Make it stand out Last data point is Oct 6, 2023 Sources: Clearnomics, Standard & Poor’s © 2023 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/a799f488-9170-4330-a241-0cb14013865b/Capture+3.JPG Insights - Market Insights Amidst Escalating Middle East Conflict - Make it stand out Last data point is Oct 6, 2023 Sources: Clearnomics, Refinitiv © 2023 Clearnomics, Inc. https://www.towneley.com/insights/strength-in-tech-overshadows-macro-headwinds monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/40c86cbe-48e4-4dea-80b8-486296ec8cc2/chart+1.PNG Insights - Strength in Tech Overshadows Macro Headwinds - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/a785fa34-8026-41f3-b8df-33db6c652787/chart+2.png Insights - Strength in Tech Overshadows Macro Headwinds - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/7d7c9c7f-49c4-406c-a34a-9c04e82386b1/chart+3.PNG Insights - Strength in Tech Overshadows Macro Headwinds - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/what-the-looming-debt-ceiling-deadline-means-for-investors monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/71fff812-cc5d-4fb8-a166-dd8ef398189f/chart+1.PNG Insights - What the Looming Debt Ceiling Deadline Means for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/caac42fd-6a2d-427b-9955-008a4922d5e9/chart+2.png Insights - What the Looming Debt Ceiling Deadline Means for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/deec32cf-da8e-4d2c-b2a7-11304fdddce9/chart+3.PNG Insights - What the Looming Debt Ceiling Deadline Means for Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/bank-failures-trigger-lending-pullback monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/5d50ea40-9a82-4ddc-9596-7a1927413e9d/chart+1.PNG Insights - Bank Failures Trigger Lending Pullback - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/69fa8619-8499-4ec8-b08b-02ec1998b12f/chart+2.png Insights - Bank Failures Trigger Lending Pullback - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/eb0fdc78-e9d8-4bb1-9c3d-54bb7edaf872/chart+3.PNG Insights - Bank Failures Trigger Lending Pullback - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/a100d49b-3c11-4368-899e-45356e1635e5/chart+4.PNG Insights - Bank Failures Trigger Lending Pullback - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/5591a364-8b90-4a0e-be99-8d7d9ecf9360/chart+5.PNG Insights - Bank Failures Trigger Lending Pullback - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/q4-2022-economic-review monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2478ff56-efcb-4d1d-aa5a-0be9c43a58a6/chart+1.JPG Insights - Economic and Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/7067e327-bc22-4844-9e67-71d011f7f6bb/Capture.JPG Insights - Economic and Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/fd6e16c3-6b41-4ad3-9bdd-1c2877990542/chart+2.JPG Insights - Economic and Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/fb6ecef2-5a6b-4d8e-b6dd-295ffe49c4f8/chart+3.JPG Insights - Economic and Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/269eb91e-11e4-4294-8db9-54774a3dab60/CHART+4.JPG Insights - Economic and Market Review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/q3-2022-the-bear-is-back monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2eed0947-7255-4bfd-ab94-ad3be4c9179d/Capture+1.PNG Insights - The Bear is Back - Make it stand out Sources: 10 Year Government bond index and S&P 500 Index-Global Financial Data. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/fc693afe-9cd4-4e68-8536-568f1d8e2b48/Capture+2.PNG Insights - The Bear is Back - Make it stand out Latest data point is Oct 14, 2022 Source: Clearnomics, Standard & Poor’s © 2022 Clearnomics, Inc. While bear markets are unavoidable, bull markets are much longer with larger returns. Since 1956, the average bear market has lasted one year, two months with a decline of 36%. In contrast, the average bull market lasts 5 years 9 months and returns 192%. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/12b73d6d-eb48-4645-ad30-bbc3652ab523/Capture+3.PNG Insights - The Bear is Back - Make it stand out (1) Russell 3000 Index data not available prior to 1979. The S&P 500 Total Return Index was used for this time period. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/79b10062-c895-4913-babe-b79d0a5d2298/Capture+4.PNG Insights - The Bear is Back - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/q2-2022-financial-market-overview monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/3e9486f3-716c-4d96-b4c5-e9201e66c8f7/1.JPG Insights - Financial Markets Overview - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/dc855199-00e4-447f-a590-4e293d788177/2.JPG Insights - Financial Markets Overview - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2857abf7-6904-4e6d-9235-098827f1b98a/3.JPG Insights - Financial Markets Overview - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/bfa23f80-7caf-4dff-adcb-d9ed24a16e6d/4.JPG Insights - Financial Markets Overview - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/24ca41ec-0ebb-4f70-9f66-197b46773fda/5.JPG Insights - Financial Markets Overview - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/finding-good-amid-the-bad-and-the-ugly monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/fe6b989e-0bd0-4146-954e-2d2e041143f4/image+1.PNG Insights - Finding Good Amid The Bad and The Ugly - Make it stand out Latest data point is Apr 18, 2022 Source: Clearnomics, Standard & Poor’s, New York Times ©2022 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/57a6556b-f501-447d-986b-d9fb8b329aeb/image+2.PNG Insights - Finding Good Amid The Bad and The Ugly - Make it stand out Source: Clearnomics, Standard & Poor’s ©2022 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/9577ef0c-9709-4a3a-91c9-019a38581894/image+3.PNG Insights - Finding Good Amid The Bad and The Ugly - Make it stand out Source: Clearnomics, Standard & Poor’s ©2022 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/324586b2-3840-49af-a1cb-28660c223762/image+4.PNG Insights - Finding Good Amid The Bad and The Ugly - Make it stand out Latest data point is Mar 31, 2022 Source: Clearnomics, Standard & Poor’s ©2022 Clearnomics, Inc. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/a31cc264-52c9-49c3-9976-5f433bacb1d4/image+5.PNG Insights - Finding Good Amid The Bad and The Ugly - Make it stand out Note: Seasonally adjusted Source: Labor Department https://www.towneley.com/insights/the-us-under-siege-redux monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/781a884b-f3d6-4eee-9f44-c4b2576c25f9/Capture+1.PNG Insights - The U.S. Under Siege Redux - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/f2222351-ecdb-4e6c-bac3-bb610922db07/Capture+2.PNG Insights - The U.S. Under Siege Redux - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/086d1632-c0bb-4352-b679-6d1282029e27/Capture+3.PNG Insights - The U.S. Under Siege Redux - Make it stand out Source: Morningstar Direct. Data is based on the Morningstar US Large-Mid TD USD Index. Data as of November 19, 2021. *Adjusted average excludes 2011, 2015 and 2018 to remove distortions caused by those years’ market returns. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/21ef4f82-d0cd-4a40-856f-15faea2555d2/Capture+4.PNG Insights - The U.S. Under Siege Redux - Make it stand out Source: Buybacks: Howard Silverblatt, S&P Dow Jones Indices Balance Sheet: St. Louis Fed S&P Prices: Morningstar https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/7e7ce746-1d62-4696-88e9-62a252b1e5e5/Capture+5.PNG Insights - The U.S. Under Siege Redux - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/f37106e3-c8f6-48d2-a709-96f22e7fff1e/Capture+6.PNG Insights - The U.S. Under Siege Redux - Make it stand out Source: Aidan Garrib of PGM Global https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/0a0bac3d-04d8-453b-8d50-9a7f1852664b/Capture+7.PNG Insights - The U.S. Under Siege Redux - Make it stand out Source: MSCI ACWI Index (USD) | msci.com https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/7b117782-40b1-40f4-aebb-66d15fdff2c4/Capture+8.jpg Insights - The U.S. Under Siege Redux - Make it stand out Source: Morningstar and Global Financial Data Inc. https://www.towneley.com/insights/avoiding-clever-tricks-and-scams monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/496125d4-6e1b-485d-b07b-9e45270c4c24/Capture.PNG Insights - Avoiding Clever Tricks and Scams - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/protecting-your-online-accounts monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/3d939d40-7e69-4c81-95b2-0680b871fada/1+image.JPG Insights - Protecting Your Online Accounts - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/d9b5d135-97c0-4a9f-b868-2fba80028fdc/2+iamge.JPG Insights - Protecting Your Online Accounts - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/60af0c1d-8c21-4484-a080-7c9a900f1995/3+ag.JPG Insights - Protecting Your Online Accounts - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/7b09716c-91c8-4e6e-a048-ac7cef198507/4+image.JPG Insights - Protecting Your Online Accounts - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/9aa07028-c016-4a98-a658-b7c9955aaefd/5+image.JPG Insights - Protecting Your Online Accounts - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/protect-yourself-from-identity-theft-and-cybercrime-pt-1 monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/7ba79dc9-425f-4943-bb39-2312c50f152b/image.JPG Insights - Preventing Identity Theft - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/is-inflation-here-to-stay monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/136a1d4f-ee70-4207-8067-6446ed792e39/Capture+1.PNG Insights - Inflation: Here To Stay, Or Just Passing Through? - Make it stand out Source: Bureau of Labor Statistics, current as of June 2003. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/25cc3745-5e96-45a4-b621-ef50841019d7/Capture+2.PNG Insights - Inflation: Here To Stay, Or Just Passing Through? - Make it stand out Source: Board of Governors of the Federal Reserve System (U.S.) myf.red/g/FnGU https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/7429c09c-7762-4c09-b396-77e0b8e86005/Capture+3.PNG Insights - Inflation: Here To Stay, Or Just Passing Through? - Make it stand out Source: Federal Reserve Board, current as of June 2003. https://www.towneley.com/insights/what-happens-to-your-digital-assets-when-you-die monthly 0.5 2024-07-19 https://www.towneley.com/insights/celebrating-50-years monthly 0.5 2024-07-19 https://www.towneley.com/insights/fed-up-with-the-feds monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/10a84df2-8746-48ed-b69f-d75aa8b45c4f/chart.JPG Insights - Fed Up With The Fed - Make it stand out Note: Breaks indicate implementation of a redesigned questionnaire (2013) and an updated data processing system (2017). Source: CBPP calculations based on U.S. Census Bureau Data Center on Budget and Policy Priorities | CBPP.org https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/96b1fb69-657d-452a-90fd-5cba27e168e1/CHART+2.JPG+22.JPG Insights - Fed Up With The Fed - Make it stand out Note: Percentages may not add to 100 percent due to rounding. Source: Survey of Consumer Finances 20017 Center of Budget and Policy Priorities | CBPP.org https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/88ecfe30-e948-437b-912f-364f714a7668/chart+3.JPG Insights - Fed Up With The Fed - Make it stand out Source: Congressional Budget Office https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/d69f7eb4-b508-48fc-bf77-834c0a71d314/chrat+4.JPG Insights - Fed Up With The Fed - Make it stand out © Mouldin Economics Source: Thomson Reuters https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/4e04f6d5-32a5-4789-b825-b402c3495fd1/chart5.JPG Insights - Fed Up With The Fed - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/a354bd05-dce9-4003-b8de-78b19c7dd76f/chart+6.JPG Insights - Fed Up With The Fed - Make it stand out Note: Data for wages of production and non-supervisory employees on private non-farm payrolls. “Constant 2018 dollars” describes wages adjusted for inflation. “Current dollars” describes wages reported in the value of the currency when received. “"Purchasing power” refers to the amount of good or services that can be bought per unit of currency. Source: U.S. Bureau of Labor Statistics. PEW Research Center https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/6de081d5-b077-41b9-9b3b-8c640f03cb16/chart+7.JPG Insights - Fed Up With The Fed - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/elections-matter monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/11f17ae4-4032-481c-bcc7-7a33fc20f35d/image+5.PNG Insights - Elections Matter, but Not so Much to Your Investments - Make it stand out Source: Vanguard calculations, based on data from Global Financial Data as of December 31, 2019. The 60% GFD US-100 Index and 40% GFD US Bond Index, as calculated by historical data provider Global Financial Data. The GFD US-100 Index includes the top 25 companies from 1825 to 1850, the top 50 companies from 1850 to 1900, and the top 100 companies by capitalization from 1900 to the present. In January of each year, the largest companies in the United States are ranked by capitalization, and the largest companies are chosen to be part of the index for that year. The next year, a new list is created and it is chain-linked to the previous year’s index. The index is capitalization-weighted, and both price and return indices are calculated. The GFD US Bond Index uses the U.S. government bond closest to a 10-year maturity without exceeding 10 years from 1786 until 1941 and the Federal Reserve’s 10-year constant maturity yield beginning in 1941. Each month, changes in the price of the underlying bond are calculated to determine any capital gain or loss. The index assumes a laddered portfolio that pays interest on a monthly basis. Note: Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/8b3b10a8-e6cb-4c5f-b179-09463515caa1/Capture+1.PNG Insights - Elections Matter, but Not so Much to Your Investments - Make it stand out Source: Vanguard calculations of S&P 500 Index daily return volatility from January 1, 1964, through December 31, 2019, based on data from Thomson Reuters. Note: Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. https://www.towneley.com/insights/the-wisdom-of-warren-buffet monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/ea602174-a488-4946-819f-6131ca2cdda8/Capture+5.PNG Insights - The Wisdom of Warren - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/4eeb0685-11cb-4482-b4ab-2a6905eba405/Capture+6.PNG Insights - The Wisdom of Warren - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/8514a919-fc0d-46ed-9b1f-9f3bb171de04/Capture+7.PNG Insights - The Wisdom of Warren - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/72f13f0c-6c4c-4d4f-99a0-73b074953114/Capture+8.PNG Insights - The Wisdom of Warren - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/4db8aef2-cc17-4dc2-97d9-ff9129de2f17/image+1.PNG Insights - The Wisdom of Warren - Make it stand out Source: Global Financial Data https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/c2c47643-76c9-4cfc-8f02-4ec676353e4e/image+2.PNG Insights - The Wisdom of Warren - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/creative-destruction monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/8513fe58-0e22-4050-8822-be2e261c3f18/chart.JPG Insights - Creative Destruction: Will the Pain Justify the Gain? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/7d53ca29-b6f0-4900-b749-449db35115c9/chart+2.JPG Insights - Creative Destruction: Will the Pain Justify the Gain? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/53efdbe2-9f44-4e06-b955-8463c2e80021/chart+3.JPG Insights - Creative Destruction: Will the Pain Justify the Gain? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/organizing-digital-assets-a-life-and-death-matter monthly 0.5 2024-07-19 https://www.towneley.com/insights/chinas-worries-xxhjg monthly 0.5 2024-07-19 https://www.towneley.com/insights/third-quarter-2019-newsletter monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/5cdf42dd-0ed1-4bfc-8625-6286c17319e4/MMT+image+1.JPG Insights - Modern Monetary Theory: The Cure What Ails the U.S. - Make it stand out Countries with most public debt Source: Focus Economics https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/da6b7e03-70d3-4b80-a978-cd23cab11584/MMT+image+2.JPG Insights - Modern Monetary Theory: The Cure What Ails the U.S. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/quarter-2-2019-newsletter-zchsr monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/17277620-c740-4f15-a706-0c0e4c479914/UA+1.JPG Insights - The Uncommon Average - Make it stand out In U.S. dollars. S&P data © S&P Dow Jones Indices LLC, a division of S&P Global. Indices are not available for direct investment. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. Past performance is no guarantee of future results. Actual returns may be lower. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/985630e2-609b-482a-b4f5-4cf827416a59/UA+2.JPG Insights - The Uncommon Average - Make it stand out In U.S. dollars. From January 1926–December 2018, there are 997 overlapping 10-year periods, 1,057 overlapping 5-year periods, and 1,105 overlapping 1-year periods. The first period starts in January 1926, the second period starts in February 1926, the third in March 1926, and so on. S&P data © S&P Dow Jones Indices LLC, a division of S&P Global. Indices are not available for direct investment. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. Past performance is no guarantee of future results. Actual returns may be lower. https://www.towneley.com/insights/quarter-2-2019-newsletter monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/332f9967-c536-4f16-9d19-8891f4ad8ad0/MYU+1.JPG Insights - 2019 Mid-Year Update - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/insights/first-quarter-2019-newsletter monthly 0.5 2024-07-19 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/08dc5d18-9daf-4cee-af64-1a4442a52a50/2019+1.JPG Insights - Global Equity Markets: A Tale of Stimulus and Uncertainty in 2019 - Make it stand out U.S. Stock Market represented by the Russell 3000 Index International Developed Market represented by the MSCI EAFE NR Index International Emerging Market represented by the MSCI Emerging Markets GR Index https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/c41e43d1-3199-490c-85e4-846ea679da54/2019+2.JPG Insights - Global Equity Markets: A Tale of Stimulus and Uncertainty in 2019 - Make it stand out Source: www.tradingeconomics.com https://www.towneley.com/insights/fourth-quarter-2018-rear-end-review monthly 0.5 2022-05-31 https://www.towneley.com/insights/third-quarter-2018-newsletter- monthly 0.5 2022-05-31 https://www.towneley.com/insights/second-quarter-2018-newsletter monthly 0.5 2022-05-31 https://www.towneley.com/insights/first-quarter-2018-newsletter monthly 0.5 2022-06-01 https://www.towneley.com/insights/are-equity-markets-currently-overvalued-29mnm monthly 0.5 2022-06-01 https://www.towneley.com/insights/chinas-worries monthly 0.5 2022-06-01 https://www.towneley.com/insights/crude-oil monthly 0.5 2022-06-01 https://www.towneley.com/insights/brexit-commentary monthly 0.5 2022-06-01 https://www.towneley.com/insights/nonprofit-news monthly 0.5 2023-11-10 https://www.towneley.com/insights/2016-market-outlook monthly 0.5 2022-06-01 https://www.towneley.com/insights/q1-2016-client-bulletin monthly 0.5 2022-06-01 https://www.towneley.com/insights/are-equity-markets-currently-overvalued monthly 0.5 2022-06-01 https://www.towneley.com/insights/market-extremes-1926-1993 monthly 0.5 2022-06-01 https://www.towneley.com/insights/stock-market-extremes-1926-2004 monthly 0.5 2024-09-10 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/0b69536d-b919-4156-88a1-7afe735ebe1d/Capture.JPG Insights - STOCK MARKET EXTREMES AND PORTFOLIO PERFORMANCE - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/462c2260-9431-4296-b593-b6c300ec6735/Capture+2.JPG Insights - STOCK MARKET EXTREMES AND PORTFOLIO PERFORMANCE - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/1a69b758-93f4-41c8-8095-d85cd0bcbbb5/Capture+3.JPG Insights - STOCK MARKET EXTREMES AND PORTFOLIO PERFORMANCE - Make it stand out The value-weighted index of NYSE, AMEX, and NASDAQ stocks is used to measure the market returns. All returns and standard deviations are annualized by compounding the arithmetic average of monthly returns. Cumulative return measures the holding period dollar returns to $1 invested at the beginning of the period. Hence, the cumulative return of 637.3 means that $1 grows to $638.30 if invested continuously from January 1, 1926 to December 31, 1993. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/b6de360a-c7bd-4ef3-bb9c-2dac9cd4de46/Capture+4.JPG Insights - STOCK MARKET EXTREMES AND PORTFOLIO PERFORMANCE - Make it stand out The value-weighted index of NYSE, AMEX, and NASDAQ stocks is used to measure the market returns. All returns and standard deviations are annualized by compounding the arithmetic average of the daily returns. Cumulative return measures the holding period dollar returns to $1 invested at the beginning of the period. Hence, the cumulative return of 23.3 means that $1 grows to $24.30 if invested continuously from January 1, 1963 to December 31, 1993. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/4965c458-b723-4ab1-bd5b-895186ee209b/Capture++5.JPG Insights - STOCK MARKET EXTREMES AND PORTFOLIO PERFORMANCE - Make it stand out Perfect timer invests in the value-weighted index when returns are positive and in one-month Treasury bills when market returns are negative. From January 1926 to December 1993, there were 507 months when the value-weighted index had positive returns and 309 months when the value-weighted index had negative returns. The inept timer does the converse, investing in Treasury bills when market returns are positive and in the market when market returns are negative. https://www.towneley.com/insights/category/Private+Clients monthly 0.5 https://www.towneley.com/insights/category/Institutions monthly 0.5 https://www.towneley.com/insights/tag/Treasury+Yields+vs+Equity+Returns monthly 0.5 https://www.towneley.com/insights/tag/newsletter monthly 0.5 https://www.towneley.com/insights/tag/technology+stocks monthly 0.5 https://www.towneley.com/insights/tag/historical+stock+market+performance+1926-2024 monthly 0.5 https://www.towneley.com/insights/tag/towneley monthly 0.5 https://www.towneley.com/insights/tag/equity monthly 0.5 https://www.towneley.com/insights/tag/investors monthly 0.5 https://www.towneley.com/insights/tag/years monthly 0.5 https://www.towneley.com/insights/tag/missing+best+days+in+the+market monthly 0.5 https://www.towneley.com/insights/tag/fluctuations monthly 0.5 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We opened our doors in 1971. https://www.towneley.com/contact-us daily 0.75 2025-10-27 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/00bab7aa-1d02-4f44-ab31-74cd308a60f8/hex-02.png https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/53548803-cde3-41cd-aa12-68a7674f9d8e/tc.png https://www.towneley.com/about-our-history daily 0.75 2025-10-24 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/00bab7aa-1d02-4f44-ab31-74cd308a60f8/hex-02.png https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/0f15743f-1459-40c6-b815-1c07b80594a7/hex-03.png https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/aaf2c1ce-a487-443a-8681-9f314a5dc0cc/Brooklyn-Bridge-511472537_3566x2377.jpeg Our History - Towneley Our History Established in the heart of New York City in 1971, Towneley Capital Management began service as an independent fiduciary advisory firm. With an unparalleled history spanning over 50 years’, we have honed our expertise in managing investments for private clients and institutions, relying on our rigorously-tested and refined collection of investment strategies aimed at helping long-term investors thrive. Our science-based approach provides diversified, risk-managed exposure to global markets on a fee-only platform for individuals, families, businesses, and nonprofit organizations. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/fcc862e6-a255-45d1-af01-d0db6be6e90a/Townley+Profile+Pictures+%283%29.png Our History - Our Founder Wesley McCain Prior to founding Towneley in 1971, Dr. McCain was an assistant professor of finance at Columbia University’s Graduate School of Business Administration. He is the founder and former chairman of Eclipse Financial Asset Trust and a former senior managing director of New York Life Investment Management, LLC. He has also served as a director of two insurance companies, one industrial company and several mutual funds. He is a past public governor and independent director of the PCX Stock & Options Exchange, PCX Equities, NYSE Arca, Inc. and the NYSE Arca Equities, Inc. Dr. McCain holds the Chartered Financial Analyst® designation. He earned a B.B.A. from the University of Michigan, an M.B.A. from Columbia University and an M.A. and Ph.D. from Stanford University. 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Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/cb9cb78e-6a57-4de0-b6f7-82b7158a1fdb/icon.png Working with Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/97c2f8f1-70ef-4098-a84c-e7352c184779/icon-2.png Working with Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/6a40d877-13e4-42a5-98ba-21ef7725e229/icon-3.png Working with Us https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/8fe09a1e-3190-4cf9-a43e-bf6fdc3571f0/icon-4.png Working with Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/b1acf51e-4e97-47ee-b79a-0b0118d6564b/icon-5.png Working with Us - 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Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/92fee88e-3f76-4821-be21-51a3a6a8a935/ICON-2.png Institutions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/c02e2956-a3d9-4b6b-b740-51f0e9bec1c1/ICON-3.png Institutions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/74e6e0b6-9797-4bda-b046-b5657be804ff/ICON-4.png Institutions https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/695100b6-3af3-4ec2-92fc-cd4a429aa61e/ICON-5.png Institutions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/private-clients daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/ac092af9-42c8-4870-91ee-ff7ca7c4d7eb/tc-05.png https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/15fe5538-5a65-4929-8e3f-773a6f04c207/iStock-1333390966.jpg https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/f06eabbf-6a78-4eac-838c-f942e3e932df/tc-06.png https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/00bab7aa-1d02-4f44-ab31-74cd308a60f8/hex-02.png https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/53548803-cde3-41cd-aa12-68a7674f9d8e/tc.png https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/74601d6e-1f22-42cd-955b-5a8406392505/private-client.png https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/956cfcf1-97fc-40a8-9a32-a33db5ad3aad/ICON-1.png Private Client - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/92fee88e-3f76-4821-be21-51a3a6a8a935/ICON-2.png Private Client - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/c02e2956-a3d9-4b6b-b740-51f0e9bec1c1/ICON-3.png Private Client - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/f2a5294d-74e7-4022-9d30-03e41e6788ca/private.png https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/800cc02f-1108-45ad-a528-92ef2b0e99b5/iStock-858139352.jpg Private Client - Pre-Retirement Planning Our retirement analysis will tell you whether your current retirement goals are attainable. Our analysis can also indicate how much you will need to accumulate to retire at your preferred retirement date and desired retiree lifestyle. We provide a plan identifying how much you should be saving now and the best type of account for your retirement savings. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/004f328f-b2a2-49bd-a6fa-58a5c67f0819/iStock-1281725866.jpg Private Client - Post-Retirement Distribution Planning When you are ready to retire, we can help you monitor the amount you withdraw from your invested assets so that your money lasts as long as you need it to. We evaluate how your current withdrawal pattern may impact the longevity of your invested assets given various scenarios. We also suggest alternative strategies. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/52525575-f378-4e90-865d-0b7d0d55673d/iStock-1322856322.jpg Private Client - Spending and Budget Analysis We evaluate your income and expenditures and provide you with a cash flow analysis that includes our suggestions for reducing spending and increasing savings. Although we don’t provide specific tax advice, we may include suggestions that may reduce your taxes for discussion with your tax advisor. If appropriate, we can also evaluate your mortgage or other outstanding loans and help you determine if you might benefit from refinancing or from discharging those debts sooner than scheduled. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/f173d054-767c-4233-bd2c-2e3433b4f391/iStock-1263374465.jpg Private Client - College Cost Analysis and Planning We estimate how much you should save for college expenses based on your target university and other variables. We can also recommend the best type of account to hold your college savings and help you determine the appropriate asset allocation for that account. https://www.towneley.com/what-we-do daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/e6709f2e-32fa-4312-aaaf-932ef8dcd35e/iStock-1333390966.jpg What we do - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/ef655661-fe76-4686-b65f-3f72efb7ae56/icon.png What we do - Make it stand out Our approach begins with a process of mutual inquiry intended to foster understanding and build the foundation for a working relationship centered on you and your needs. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/ef655661-fe76-4686-b65f-3f72efb7ae56/icon.png What we do - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/ef655661-fe76-4686-b65f-3f72efb7ae56/icon.png What we do - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/290bc25f-a515-497b-9bab-9593157996b8/nathan-dumlao-4_mJ1TbMK8A-unsplash.png What we do - Make it stand out PRIVATE CLIENTS For private clients, whether it’s a need for retirement or legacy planning, or preparing for any milestone event, Towneley helps individuals and families thrive by aligning financial planning and management with life purpose. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2710729d-326f-449d-9293-8efbfcc6ab72/austin-distel-mpN7xjKQ_Ns-unsplash.png What we do - Make it stand out INSTITUTIONS For scientific societies, professional associations, foundations, endowments, or non-profit institutions, Towneley combines decades of experience, science-based financial strategy, and reliable client service that’s centered on the unique needs and goals of each entity. As one institutional client of 25 years observes, “You have a sense that Towneley is in the boat with you, rowing in exactly the same direction, helping you be successful.” https://www.towneley.com/client-log-in daily 0.75 2025-03-18 https://www.towneley.com/tracy-kuntz daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/6d00799a-12a4-40a0-a553-629e23b79026/1517712548030.jpg Tracy Kuntz https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/54ab5c53-17ab-4379-abfd-002a5bf35434/phone-icon.png Tracy Kuntz - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2f1baa1b-86e4-4fd4-be91-04c6925299fb/linked-in.png Tracy Kuntz - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/robyn-l-clarke-2 daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/1ecf4ea9-2d04-4683-82f7-5db9a60dc9ca/Robyn.jpg Robyn L. Clarke - Robyn L. Clarke, J.D., CFP®, AIFA® Director of Fiduciary Services Joining Towneley in 2001, Ms. Clarke oversees the firm’s fiduciary services and serves as lead developer and implementer of Towneley’s Fiduciary Edge Program™ for investment stewards. With a goal of assisting clients to thrive, make a difference and realize a lasting impact, Ms. Clarke offers expert counsel on a wide range of financial planning issues while also managing the company’s regulatory compliance. 1.800.545.4442 info@towneley.com Linkedin https://www.towneley.com/lisa-tomlinson-2 daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/20154961-74a1-434c-8fc2-1ab53b9b5a91/Lisa.jpg Lisa Tomlinson 2 - Lisa Tomlinson, CFP® Portfolio Manager For over 30 years, Ms. Tomlinson has lent Towneley her financial expertise and natural affinity for client services. She excels in serving nonprofit institutional clients and in working with third party trustees and trust protectors. Helping clients thrive, make a difference and realize a lasting impact, Ms. Tomlinson is known for her unwavering attentiveness to her clients’ needs and her special skill in managing multigenerational accounts. 1.800.545.4442 info@towneley.com Linkedin https://www.towneley.com/heidi-haynes-2 daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/ee030017-1fb5-48e4-88a1-4559a506fcc2/Heidi.jpg Heidi Haynes - Heidi Haynes, CFP® Portfolio Manager As a CERTIFIED FINANCIAL PLANNER™ certificant, Ms. Haynes has expertly managed client portfolios for Towneley since 1990, helping clients thrive, make a difference and realize a lasting impact. For the firm’s institutional clients, she provides invaluable institutional memory, lending solid consistency in an environment where board members serve specified terms. 1.800.545.4442 info@towneley.com Linedin https://www.towneley.com/martin-standish-2 daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/401af7e1-617e-4cc2-85f0-a0b880a03f02/Marty-Color-Web-214x300.jpg Martin Standish - Martin Standish, CFA, CFP®, CAIA Portfolio Manager, Client Service Mr. Standish joined Towneley in 2019 as a lead advisor, collaborating with the team in all aspects of portfolio management, financial planning, client servicing, and business development. His extensive experience in the wealth management and banking industry brings a broad perspective when developing solutions for the complexities of personal, business, and family finances. He specializes in advanced investment analysis and applies his knowledge and skills in delivering Towneley’s investment advice to our clients. 1.800.545.4442 info@towneley.com Linkedin https://www.towneley.com/cynthia-sforza-2 daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/0680b9e4-1f06-4c44-993b-7e2b69806e1d/cynthia.png Cynthia Sforza - Cynthia Sforza, CFP®, CRPC® Portfolio Manager With over 20 years of experience in the financial services industry, Ms. Sforza joined Towneley in 2021 as a Senior Advisor, working directly with clients to develop, implement and maintain a holistic investment and financial planning strategy. She is passionate about helping clients define and achieve their financial goals while addressing their complex financial needs throughout their lifetime and life changes. 1.800.545.4442 info@towneley.com Linkedin https://www.towneley.com/sasha-childers-2 daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/f4e1bd32-83b8-4d3d-9725-63a55a3f0e05/Sasha.jpg Sasha Childers - Sasha Childers Research Analyst As a Certified Investment Management Analyst® designee, Ms. Childers applies her advanced training in financial theory and practical knowledge to the benefit of Towneley clients. Performing detailed portfolio analysis, she utilizes her natural curiosity and appreciation for numbers, statistics and risk management. With Towneley since 2005, Ms. Childers also has a special talent for developing, implementing and refining analytical frameworks. 1.800.545.4442 info@towneley.com Linkedin https://www.towneley.com/shannon-swift-2 daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/93445e31-c890-43c7-bb5e-cf2e5b6c3a7f/Shannon-2018-214x300.jpg Shannon Swift - Shannon Swift Strategic Manager Mrs. Swift brings a wide range of talents to her dual role as strategic assistant to Towneley president, Tracy Kuntz, and as the company’s innovation and strategic manager. She specializes in applying high level organizational, problem-solving and marketing skills toward the consistent success of the Towneley brand. She joined Towneley in 2017. 1.800.545.4442 info@towneley.com Linkedin https://www.towneley.com/alma-ramos daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/94429136-bee5-4b55-baf2-b21b7efaee99/Townley+Profile+Pictures+%285%29.png Alma Ramos https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/54ab5c53-17ab-4379-abfd-002a5bf35434/phone-icon.png Alma Ramos - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2f1baa1b-86e4-4fd4-be91-04c6925299fb/linked-in.png Alma Ramos - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/50years daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/79a9dfa9-92dd-4155-b398-b75d7ea5a338/nl.png https://www.towneley.com/wesley-mccain daily 0.75 2024-12-18 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/fcc862e6-a255-45d1-af01-d0db6be6e90a/Townley+Profile+Pictures+%283%29.png Wesley McCain https://www.towneley.com/ernie-garrett daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/67e85999-950c-4907-b31a-8f1aff6919d1/Ernie.jpg Ernie Garrett https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/54ab5c53-17ab-4379-abfd-002a5bf35434/phone-icon.png Ernie Garrett - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2f1baa1b-86e4-4fd4-be91-04c6925299fb/linked-in.png Ernie Garrett - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/robyn-l-clarke daily 0.75 2025-12-11 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/1ecf4ea9-2d04-4683-82f7-5db9a60dc9ca/Robyn.jpg Robyn L. Clarke https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/54ab5c53-17ab-4379-abfd-002a5bf35434/phone-icon.png Robyn L. Clarke - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2f1baa1b-86e4-4fd4-be91-04c6925299fb/linked-in.png Robyn L. Clarke - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/lisa-tomlinson daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/20154961-74a1-434c-8fc2-1ab53b9b5a91/Lisa.jpg Lisa Tomlinson https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/54ab5c53-17ab-4379-abfd-002a5bf35434/phone-icon.png Lisa Tomlinson - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2f1baa1b-86e4-4fd4-be91-04c6925299fb/linked-in.png Lisa Tomlinson - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/carlos-ortega daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/3363f0f4-742d-49e1-9024-f9b84e86a7bb/Carlos.jpg Carlos Ortega https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/54ab5c53-17ab-4379-abfd-002a5bf35434/phone-icon.png Carlos Ortega - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/martin-standish daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/401af7e1-617e-4cc2-85f0-a0b880a03f02/Marty-Color-Web-214x300.jpg Martin Standish https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/54ab5c53-17ab-4379-abfd-002a5bf35434/phone-icon.png Martin Standish - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/2f1baa1b-86e4-4fd4-be91-04c6925299fb/linked-in.png Martin Standish - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.towneley.com/cynthia-sforza daily 0.75 2025-10-28 https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/0680b9e4-1f06-4c44-993b-7e2b69806e1d/cynthia.png Cynthia Sforza https://images.squarespace-cdn.com/content/v1/61701f48283fc74dc77ceb04/54ab5c53-17ab-4379-abfd-002a5bf35434/phone-icon.png Cynthia Sforza - 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