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Open Window's Insight Articles


Applying science and good sense to organize order from chaos


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What to Know - Social Security & Medicare IRMAA Thumbnail

What to Know - Social Security & Medicare IRMAA

Were you surprised to receive a Medicare IRMAA letter from the Social Security Administration? You're not alone! Beware that certain income levels can increase your 2023-year Medicare premium by 47%, 119%, 191%, 262%, or 286%. And yet, some people might still pursue a higher premium and be glad they did!

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Find That Lost 401(k)! Thumbnail

Find That Lost 401(k)!

Do you have a long-lost retirement account left with a former employer? Here's how to identify lost accounts and reclaim your money! From retirement accounts to refunded utility payments, safe deposit box contents, and more, you’d be surprised at what may have disappeared over the years!

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Medicare Open Enrollment Begins October 15 Thumbnail

Medicare Open Enrollment Begins October 15

It's the time of year again to review Medicare options. The Open Enrollment Period — which begins on October 15 and runs through December 7 —is an opportunity to switch to a better Medicare health and prescription drug plan. Let's review the Open Enrollment Period options and look at changes to Medicare benefits for 2023.

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Remembering Summers Past Thumbnail

Remembering Summers Past

Heightened levels of market uncertainty across stock and bond markets alike may have left you once again wondering whether this time is different. Let's examine the severity of current events and consider what causes them to loom so large, while also recognizing how easy it is to rewrite memories of past challenges.

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We Make A Life In What We Give Thumbnail

We Make A Life In What We Give

We make a living in what we get, but we make a life in what we give. "It was scary to cut all of my hair off, but I felt like I was truly doing something meaningful for someone." If you're inspired by Lindsey's experience, please consider donating to Wigs for Kids through your Charitable Gift Fund or at www.wigsforkids.org/monetary-donation.

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Political Elections & Market Results Thumbnail

Political Elections & Market Results

While the outcomes of the November 2022 mid-term elections are uncertain, one thing we can count on is that plenty of opinions and prognostications will be floated in the months to come. Let's take a look at how U.S. markets have performed during or after a U.S. election. Can you identify a pattern?

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Too Costly To Hazard A Guess Thumbnail

Too Costly To Hazard A Guess

Markets often surge, just when we’re most convinced they never will. When you guess wrong, missing out on even a few of the market’s best days each year can have a significant impact on cumulative returns.

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Investing in Inflationary Times Thumbnail

Investing in Inflationary Times

In part 3 of our 3-part series covering concerns about interest rates (part 1), inflation (part 2), and what these influences mean to you we come to the heart of the matter: When interest rates, inflation, or both are on the rise, what’s an investor to do?

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A Master Timekeeper of Interest Rates Thumbnail

A Master Timekeeper of Interest Rates

The U.S. Federal Reserve raised its target rate recently, hoping to help our economy keep good time. Will it work? Only time will tell. When even a few cogs get jammed, it can stymie the entire operation. Allow us to explain what the Fed Rate is and what it means to you. Part 1 of a 3-part series.

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The Case of the Missing Bullet Holes Thumbnail

The Case of the Missing Bullet Holes

If you've been reading the daily headlines—watching markets stall, recover, and dip once again, you may be wondering whether there’s anything you can do to avoid the motion sickness. Surprisingly, when it comes to your life savings, "unpredictability" isn’t usually your biggest threat… attempting to avoid it is.

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