Good Afternoon,

Happy New Year!  It is such a relief to put 2020 behind us and begin a new year.

A New Year’s resolution is a tradition in which a person resolves to continue practices, change an undesired trait or behavior, accomplish a personal goal, or otherwise improve their life at the start of a new year. It is a firm decision to do or not to do something.

As a wealth management firm, we believe one of the best resolutions for the new year is to get your financial house in order. With the change of the new tax laws, it would be beneficial for you to review your financial plan with your wealth manager. Topics to discuss would be: budget, retirement, education, tax planning as well as social security. We encourage anyone who is eligible to start taking their Social Security to watch the webinar we held last year with Social Security Specialist, Jeffrey Rodriguez. Click here to watch. Email Sunni Allen at to schedule your appointment.

The new year began with all eyes on the Senate runoff race in Georgia. The results were in on Wednesday with Democratic candidates, Jon Ossoff and Raphael Warneck winning both seats in the Senate. The new Senate will be evenly split between the two parties at 50-50 with Vice President-elect Kamala Harris as the tie-breaking vote if needed. News quickly shifted from Georgia to Washington D.C. with the storming of the Capitol by protestors to try and disrupt the Certification process of President-elect Joe Biden. After the Capitol had been secured, voting resumed late Wednesday evening. Congress affirmed President-elect Joe Biden’s victory as the next President of the United States early Thursday morning. Hopefully, Americans will make the resolution to get along and unite as one country.

The first trading day of 2021 was off to a rocky start, but stocks steadily rose with each day closing higher than the day before. Traders were optimistic following the unrest in Washington as they looked ahead to the possibility of more stimulus under a new presidential administration and Congress. Stocks rose to all- time highs on Thursday. The S&P 500 climbed 1.5% to 3,803.79, the Dow advanced 211.73 points or 0.7%, closing at 31,041.13, and the Nasdaq was up 2.6% to 13,067.48. All three indices reached record highs throughout today’s trading session.

Our Financial Planning team, Christopher Whitaker and Megan Schwab, hosted Part 3: Advanced Wealth Hacks of Apriem’s Wealth Building Series, yesterday. To watch Parts 1 and 2, click here. The invitation for the last webinar of the four part series will be sent out tomorrow, but you can click here to register and learn more. Our last WOW Event was with author, Susan Alpert and covered her book Later is too Late: Hard Conversations That Can’t Wait. You can watch the playback video here.

In closing, my resolution for 2021, is to continue to serve you to the highest degree. I wish you a happy, healthy and prosperous new year and calmer days ahead.

With Appreciation,

Rhonda Ducote