First Quarter 2023
Market commentary
Schwab/TD Ameritrade merger
Contribution deadline
What’s happening
Fourth Quarter 2021
- Hopeful thoughts
- Market commentary
- Portland business market
- IRS 2022 contribution changes
- What’s happening
Thoughts from the IFS Team
Dear Friends,
We hope this edition of our newsletter finds you well and filled with some fresh hope as we turn our attention to the New Year.
The continued challenges in our world are well documented. However, we celebrate all we have learned and overcome during this season. We continue to remind each other that there are always reasons to be thankful. At the top of our list is the privilege of partnering with you on your financial journey!
This newsletter includes a detailed market review of 2021, which ended up being another year of strong returns across most asset categories. The start of 2022 has shown some reversals of the upward trends we’ve experienced during the past three years. We certainly have potential headwinds to overcome going forward (Covid, rising interest rates, inflation, labor shortages, supply chain issues, etc.). We would not be surprised by a more significant stock market correction, along with downward volatility, if for no other reason than recent returns have been lofty and unsustainable.
Against this challenging backdrop, however, we are optimistic about the future. Our long-term investment horizon and portfolio rebalancing allow us to take advantage of market adjustments and invest in areas that we believe will prosper over the coming years.
We hope and pray for many beautiful moments for you and your families in 2022,
The IFS Team
Market Commentary
In a nutshell, 2021 (just like 2020) saw markets crest to new highs all year long, with a few volatility spikes scattered throughout. And despite those spikes in volatility and a few worrisome pullbacks, there were not too many market scares. But we did see notable economic activity: unemployment numbers steadily declining throughout the year, more government stimulus programs, better-than-expected GDP numbers, a very active and aggressive Federal Reserve, surging oil prices, historically high inflation readings, and a continued-red-hot-housing market.
Tigard Chamber of Commerce presents the 2022 State of Business
Virtual Event – Jan 27 at 7:30 am
Our community, businesses, and economy are beginning to recover from the pandemic. However, businesses face new challenges as we move into recovery: the shortage in the workforce, economic uncertainty, and access to capital. Join us, Thursday, January 27, as we present the labor market trends & forecast, what the economy holds for 2022, and how the pandemic has impacted entrepreneurs & startups.
IRS Makes Contribution Limit Changes for 2022
- 401(k), 403(b), most 457 plans
- Under age 50 up to $20,500
- Over age 50 up to $27,000
- IRA and Roth IRA
- Under age 50 up to $6,000
- Over age 50 up to $7,000
What's Happening
- Ice Fishing Workshop
Have you ever wanted to try ice fishing but weren’t sure how? This course will give you all the knowledge you need.
February 19 and 20
- Mt Hood Tubing
Featuring conveyor-assisted tubing, your fun begins as you ride to the top of the main hill. No need to hike!
- National Tater Tot Day
Tots. How can we not celebrate their deliciousness?
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