What we’re watching — and what it means for you.
Timely market commentary and plain-English education on risk, markets, and retirement — so you understand what’s happening, what we’re doing about it, and why it matters.
May 2026 Market Recap
After rallying nearly 10% in a single month, the S&P 500 and Nasdaq pulled back sharply. The long-term trend remains clearly favorable.
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April 2026 Recap | The Red Line
All trend signals are positive, the S&P 500 is at new all-time highs, and semiconductors are leading — plus a new daily Market Monitor tool on our website.
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April Market Update: Back Above the Red Line
The S&P 500 broke below the 200-day moving average and bounced back. Oil spiked on Iran. The VIX collapsed. Here’s what we’re doing in portfolios and why the market barbell matters.
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S&P 500 Closes Below the 200-Day Moving Average — What Happens Next?
The S&P 500 closed below its 200-day moving average for the first time since 2023. We analyzed all 23 instances since 1990 to see what comes next.
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Oil Surged 35% — What It Means and Why We’re Not Panicking
Oil is up 35% amid the Iran conflict. Here’s what rising oil prices mean for stocks, inflation, and your retirement portfolio.
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The Red Line Video Archive
Every episode of our monthly market recap in one place — what moved, what the trend is telling us, and how we’re thinking about risk.
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Price vs. Yield: What a Bond’s Market Value Is Telling You
Why bond prices move inversely to interest rates, why an individual bond’s price is anchored to par, and how coupon rate, current yield and yield to maturity each answer a different question.
Read more →Understanding Covered Calls
What a covered call is, how it works, and how we use it in client portfolios to generate income while attempting to mitigate downside risk.
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Understanding Protective Puts
What a protective put is, how it works, and how we integrate it into client portfolios to navigate uncertain markets.
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Should Investors Buy-and-Hold?
The “100-year mountain chart” is used to reassure investors — but for anyone near or in retirement, that centuries-long perspective can be dangerously misleading.
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Should Investors Time the Market?
“Stay invested so you don’t miss the best days” ignores the other half of the story — the damage done by the worst days.
Read more →See the same signals we use.
Our Market Monitor updates every day with the trend indicators behind the commentary — plus a weekly note on what we’re watching.