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January 2025 Investment Letter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/c5b3d688-64ca-44dd-8e6a-ce0c0fd3767a/Fig+3.PNG Blogs - January 2025 Investment Letter - 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/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - January 2025 Investment Letter https://www.glasslakewealth.com/blogs/manufactured-home-stocks-produce-profits monthly 0.5 2024-12-02 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/755e54c0-952d-4954-b6c4-6ce9f2266609/Fig+1.PNG Blogs - Manufactured Home Stocks Produce Profits - 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/v1/5e84d02e0f51f66db8a9def5/5c08ca5a-1e2b-4d69-a3b7-9c08278ac63e/Fig+2.PNG Blogs - Manufactured Home Stocks Produce Profits - 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/v1/5e84d02e0f51f66db8a9def5/142a6b00-7c65-4f69-84c5-6c73afcbab6e/Fig+3.PNG Blogs - 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Assessing How Much You Really Need to Retire - Make it stand out Source: Koyfin https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/cbfa08d1-66d5-464c-9efd-d12057c07378/Fig+2.PNG Blogs - Assessing How Much You Really Need to Retire - Make it stand out Sources: St. Louis Fed/Board of Governors of the Federal Reserve System. https://fred.stlouisfed.org/series/DGS2 (2-year US Treasury yield). https://fred.stlouisfed.org/series/DGS10 (10-year US Treasury yield). https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/06687817-9cc9-4be5-b9c7-e4e478e2cf4c/Fig+3.PNG Blogs - Assessing How Much You Really Need to Retire - Make it stand out Source: Schwab Center for Financial Research. “Beyond the 4% Rule.” Published May 14, 2024. https://www.schwab.com/learn/story/beyond-4-rule-how-much-can-you-spend-retirement https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/9146ae15-1c26-4c61-8e77-cd705c24c44a/Fig+4.PNG Blogs - Assessing How Much You Really Need to Retire - Make it stand out Source: Glass Lake Wealth analysis using Schwab’s 4.8% safe withdrawal rate. This table uses hypothetical situations and is provided for illustrative purposes only. https://www.glasslakewealth.com/blogs/october-2024-investment-letter monthly 0.5 2024-10-01 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/66155205-18a5-4d80-8c9b-b0374be7894d/Fig+1.PNG Blogs - October 2024 Investment Letter - Make it stand out Source: Koyfin (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/e6800816-476b-4a1b-b904-3755cecc3173/Fig+2.PNG Blogs - October 2024 Investment Letter Sources: St. Louis Fed/U.S. Bureau of Economic Analysis. https://fred.stlouisfed.org/series/PCEPI (PCE all-in inflation). https://fred.stlouisfed.org/series/PCEPILFE (PCE core inflation). https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1d73f1ab-e89d-4506-a51a-e7506634f233/Fig+3.PNG Blogs - October 2024 Investment Letter Sources: St. Louis Fed/Board of Governors of the Federal Reserve System. https://fred.stlouisfed.org/series/DGS2 (2-year US Treasury yield). https://fred.stlouisfed.org/series/DGS10 (10-year US Treasury yield). Forbes Advisor. https://www.forbes.com/advisor/investing/fed-funds-rate-history/ (Fed Funds rate) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - October 2024 Investment Letter https://www.glasslakewealth.com/blogs/going-for-a-run-with-hoka-of-deckers-outdoors monthly 0.5 2024-09-04 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/5afabc5b-f214-4e75-8c9c-8d1356c092c3/Fig+1.PNG Blogs - Going for a Run with Hoka of Deckers Outdoors - 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/v1/5e84d02e0f51f66db8a9def5/6725fccd-df94-43fe-9fcc-ccf28b1fb74e/Fig+2.PNG Blogs - Going for a Run with Hoka of Deckers Outdoors - 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/v1/5e84d02e0f51f66db8a9def5/e94bb11b-3004-4326-b42f-b2c21f8ae216/Fig+3.PNG Blogs - Going for a Run with Hoka of Deckers Outdoors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.glasslakewealth.com/blogs/umbrella-insurance-can-protect-you-from-financial-ruin monthly 0.5 2025-04-14 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/5808b93a-0e66-4bf3-be1d-c593d89cce0e/Fig+1.PNG Blogs - Umbrella Insurance Can Protect You from Financial Ruin - Make it stand out Source: IRAFinancial. “IRA Asset & Creditor Protection by State, Including Lawsuits.” March 5, 2024. https://www.irafinancialgroup.com/learn-more/self-directed-ira/ira-asset-and-creditor-protection/ Note: States listed as partial either have dollar limits or exempt only to the extent necessary to provide for the support of the judgment debtor and/or for the support of spouse and dependents of the judgment debtor. The table does not necessarily reflect Inherited IRAs. https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/da27948a-b659-43ee-a7c2-3808952db616/Fig+2.PNG Blogs - Umbrella Insurance Can Protect You from Financial Ruin - Make it stand out Source: Asset Protection Planners. “Homestead Exemptions by State and Territory.” https://www.assetprotectionplanners.com/planning/homestead-exemptions-by-state/ https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/6f765570-4d65-4f59-9026-c72dbae18510/Fig+3.PNG Blogs - Umbrella Insurance Can Protect You from Financial Ruin - Make it stand out Source: Forbes.com, citing ACE Private Risk Services. “How An Umbrella Insurance Policy Works and What It Covers.” https://www.forbes.com/advisor/car-insurance/umbrella-insurance/ https://www.glasslakewealth.com/blogs/july-2024-investment-letter monthly 0.5 2024-07-01 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/0640ebd0-5266-4e5b-9bdb-0774fb9676d0/Fig+1.PNG Blogs - July 2024 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/8e909d75-8fb6-42de-b07a-5b5a382dd3f6/Fig+2.PNG Blogs - July 2024 Investment Letter Source: U.S. Bureau of Economic Analysis. https://fred.stlouisfed.org/series/PCEPI (PCE all-in inflation). https://fred.stlouisfed.org/series/PCEPILFE (PCE core inflation). https://apps.bea.gov/iTable/?reqid=19&step=3&isuri=1&1921=survey&1903=84&_gl=1*1bwojbx*_ga*MTc4MDE2NTIyNS4xNzExNjM3MTM4*_ga_J4698JNNFT*MTcxMTk4ODU2NS41LjEuMTcxMTk4OTQ3NC40My4wLjA. (PCI core inflation monthly change) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/05ace994-0d47-4381-a001-09bfcb556ffa/Fig+3.PNG Blogs - July 2024 Investment Letter Sources: Koyfin (SPY next 12 month P/E), Federal Reserve Bank of St. Louis (10-year U.S. Treasury yields) https://fred.stlouisfed.org/series/DGS10 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/295f3733-da51-4467-bd1a-015dfc6619ad/Fig+4.PNG Blogs - July 2024 Investment Letter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - July 2024 Investment Letter https://www.glasslakewealth.com/blogs/nvidia-is-driving-generational-innovation monthly 0.5 2024-06-03 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/216564bd-fceb-4d27-adf0-a74e1bf94d94/Fig+1.PNG Blogs - Nvidia is Driving Generational Innovation - Make it stand out Source: Company filings https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/0dfe253f-43db-4979-9d99-64693ae315d7/Fig+2.PNG Blogs - Nvidia is Driving Generational Innovation Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/new-landlords-face-more-challenging-economics monthly 0.5 2024-08-01 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/99d56c06-dc79-4685-b697-1cff6f74479b/Fig+1.PNG Blogs - New Landlords Face More Challenging Economics - Make it stand out Sources: St. Louis Fed citing the US Census Bureau and Housing and Urban Development (median home prices) https://fred.stlouisfed.org/series/MSPUS; St. Louis Fed citing S&P Dow Jones Indices LLC (Case-Shiller home prices) https://fred.stlouisfed.org/series/CSUSHPISA; St. Louis Fed citing the U.S. Census Bureau (median household income) https://fred.stlouisfed.org/series/MEFAINUSA646N; Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/83fcc527-b8e8-429d-9aed-b6577bc402f5/Fig+2.PNG Blogs - New Landlords Face More Challenging Economics - Make it stand out Sources: St. Louis Fed citing the US Census Bureau and Housing and Urban Development (median home prices) https://fred.stlouisfed.org/series/MSPUS; St. Louis Fed citing the U.S. Bureau of Labor Statistics (rent data) https://fred.stlouisfed.org/series/CUUR0000SEHA; Glass Lake Wealth Management analysis *Median home price and rent data are indexed to 100 in 2000 **To eliminate the significant effects sales mix has on median home prices, Case-Shiller Home Price Index percentage changes was applied to 2019 existing home prices in Figures 1 and 2 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/31aa8c58-ec89-4705-b20f-c7ce395250dd/Fig+3.PNG Blogs - New Landlords Face More Challenging Economics - Make it stand out Sources: St. Louis Fed citing the US Census Bureau and Housing and Urban Development (median home prices) https://fred.stlouisfed.org/series/MSPUS; St. Louis Fed citing the U.S. Census Bureau (median household income) https://fred.stlouisfed.org/series/MEFAINUSA646N; St. Louis Fed citing Freddie Mac (30-Year Fixed Rate Mortgage) https://fred.stlouisfed.org/series/MORTGAGE30US; Glass Lake Wealth Management *Mortgage payment assumes 20% down on a median priced home financed with the average prevailing 30-year fixed mortgage rate https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/dd8d6f63-f6c2-4ea8-9b5a-91efe4c51a75/Fig+4.PNG Blogs - New Landlords Face More Challenging Economics - Make it stand out Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/aadd3a15-c408-4b6c-88d4-28672abca154/Fig+5.PNG Blogs - New Landlords Face More Challenging Economics - Make it stand out Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/aece90c4-00ee-4943-9b3e-9cff4166ffbd/Fig+6.PNG Blogs - New Landlords Face More Challenging Economics - Make it stand out Source: Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/april-2024-investment-letter monthly 0.5 2024-04-02 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/0448b950-8e05-46f3-8be3-8531420f5b89/Fig+1.PNG Blogs - April 2024 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/84937733-eb47-4b2a-9cc2-b216082c113c/Fig+2.PNG Blogs - April 2024 Investment Letter Source: Yahoo Finance (inclusive of dividends) Notes: (1) ”Owned” indicates ownership across majority of client accounts; (2) NVDA was first purchased on January 9, 2024 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/98654d1e-c6e3-46c6-bc05-511df70d6202/Fig+3.PNG Blogs - April 2024 Investment Letter Source: U.S. Bureau of Economic Analysis. https://fred.stlouisfed.org/series/PCEPI (PCE all-in inflation). https://fred.stlouisfed.org/series/PCEPILFE (PCE core inflation). https://apps.bea.gov/iTable/?reqid=19&step=3&isuri=1&1921=survey&1903=84&_gl=1*1bwojbx*_ga*MTc4MDE2NTIyNS4xNzExNjM3MTM4*_ga_J4698JNNFT*MTcxMTk4ODU2NS41LjEuMTcxMTk4OTQ3NC40My4wLjA. (PCI core inflation monthly change) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/4193a100-6eb8-44f3-b5ad-43273fdc4698/Fig+4.PNG Blogs - April 2024 Investment Letter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - April 2024 Investment Letter https://www.glasslakewealth.com/blogs/amazons-true-earnings-power-is-just-beginning-to-show monthly 0.5 2024-03-01 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1346683b-f854-4b47-8624-18ab987126f8/Fig+1.PNG Blogs - Amazon’s True Earnings Power is Just Beginning to Show - Make it stand out Sources: Company filings https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/11605f05-8510-43c4-8a92-acfe61e39562/Fig+2.PNG Blogs - Amazon’s True Earnings Power is Just Beginning to Show Sources: Company filings https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/70825cc9-bbf1-4159-a21e-2c6d2be3557d/Fig+3.PNG Blogs - Amazon’s True Earnings Power is Just Beginning to Show - Make it stand out Source: Statistica. “Amazon Maintains Cloud Lead as Microsoft Edges Closer.” 2/5/24. https://www.statista.com/chart/18819/worldwide-market-share-of-leading-cloud-infrastructure-service-providers/ https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/c66a563c-3a9f-4f34-b3e7-57e0f7d8c7f1/Fig+4.PNG Blogs - Amazon’s True Earnings Power is Just Beginning to Show - Make it stand out Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/roth-contributions-are-more-valuable-than-you-think monthly 0.5 2024-02-01 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/a59a7fbe-6e09-463e-8c68-23720c5dc918/Fig+1.PNG Blogs - Roth Contributions Are More Valuable Than You Think - Make it stand out Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/fe9d1518-6466-4b6d-a619-9ceed025c28f/Fig+2.PNG Blogs - Roth Contributions Are More Valuable Than You Think - Make it stand out Sources: DQYDJ. https://dqydj.com/household-income-by-year/ which cites U.S. Census Bureau data (historical household income percentiles). Tax Foundation. https://taxfoundation.org/data/all/federal/historical-income-tax-rates-brackets/ (historical federal income tax brackets). Glass Lake Wealth Management analysis Note: For enhanced historical comparability, household incomes were compared to marginal tax rates of married filing jointly households. True marginal tax rates for a given percentile household are equal to or higher than what is depicted in the chart because some households consist of a single person who have higher marginal tax rates for a given income level. https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/ccb0b7d5-5b79-4edd-aa47-9b1506928f45/Fig+3.PNG Blogs - Roth Contributions Are More Valuable Than You Think - Make it stand out Sources: SmartAsset. “2024 Capital Gains Tax Rates.” https://smartasset.com/taxes/2021-capital-gains-tax-rates. Charles Schwab. “What’s net investment income—and how is it taxed?” https://www.schwab.com/taxes/net-investment-income-taxes. https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/0864111b-7746-487f-a53e-f9f26acd6be1/Fig+4.PNG Blogs - Roth Contributions Are More Valuable Than You Think - Make it stand out Source: Medicare.gov. “2024 Medicare Costs.” https://www.medicare.gov/Pubs/pdf/11579-medicare-costs.pdf https://www.glasslakewealth.com/blogs/january-2024-investment-letter monthly 0.5 2024-02-28 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/a7e334f1-c267-4551-8900-14242c98d7d7/Fig+1.PNG Blogs - January 2024 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/0e7b6ec1-b2a4-46de-83ff-264bf237afd9/Fig+2.PNG Blogs - January 2024 Investment Letter Sources: St. Louis Fed/Board of Governors of the Federal Reserve System (Treasury yields). https://fred.stlouisfed.org/series/DGS2. https://fred.stlouisfed.org/series/DGS10. https://fred.stlouisfed.org/series/DGS30.Forbes Advisor (Fed Funds rate) https://www.forbes.com/advisor/investing/fed-funds-rate-history/ https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/d9e2afef-605c-4c22-90b3-fac78ea3ba00/Fig+3.PNG Blogs - January 2024 Investment Letter Sources: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - January 2024 Investment Letter https://www.glasslakewealth.com/blogs/play-offense-with-palo-alto-networks-cybersecurity-defense monthly 0.5 2023-12-01 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/4c57adcd-a661-4dda-90ee-d32cee8e54b0/Fig+1.PNG Blogs - Play Offense with Palo Alto Networks’ Cybersecurity Defense - Make it stand out Sources: Company filings, Glass Lake Wealth Management *Fiscal 2023 ended on July 31, 2023 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/a351fb87-2b2f-4e0c-8eb0-44f71b68faa1/Fig+2.PNG Blogs - Play Offense with Palo Alto Networks’ Cybersecurity Defense Sources: Company filings and presentations, Glass Lake Wealth Management *FTNT’s fiscal years end on December 31, so FY23 represents the first nine months of FY23 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/0456fa59-bc1a-45fd-8001-1dd84b7ab53f/Fig+3.PNG Blogs - Play Offense with Palo Alto Networks’ Cybersecurity Defense - Make it stand out Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/now-is-a-good-time-to-assess-your-estate-plan monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/3db3fe15-2abc-4451-ae73-981f0d6c8255/Fig+1.PNG Blogs - Now Is a Good Time to Assess Your Estate Plan - Make it stand out Source: Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/october-2023-blog-3q23-investment-letter monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/9d53e8cf-c9e6-4190-9752-579ca7a3854c/Fig+1.PNG Blogs - October 2023 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/6d1b52d5-4870-43a5-b03c-cde82c8962a2/Fig+2.PNG Blogs - October 2023 Investment Letter Sources: St. Louis Fed/Board of Governors of the Federal Reserve System (Treasury yields). https://fred.stlouisfed.org/series/DGS2. https://fred.stlouisfed.org/series/DGS10. https://fred.stlouisfed.org/series/DGS30.Forbes Advisor (Fed Funds rate) https://www.forbes.com/advisor/investing/fed-funds-rate-history/ https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/6c6144f1-cd26-4958-a447-072a6e7ad610/Fig+3.PNG Blogs - October 2023 Investment Letter Sources: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - October 2023 Investment Letter https://www.glasslakewealth.com/blogs/tjx-customers-and-investors-go-treasure-hunting monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/701df005-e935-4692-96c3-e9c4f8b87ebd/Fig+1.PNG Blogs - TJX’s Customers and Investors Go Treasure Hunting - Make it stand out *Fiscal 2023 means the 52-week fiscal year ended January 28, 2023 Sources: Company filings, Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/34975af7-bd66-4236-921d-ee085befe0c6/Fig+2.PNG Blogs - TJX’s Customers and Investors Go Treasure Hunting Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/look-beyond-the-sticker-price-to-get-a-better-view-into-college-costs monthly 0.5 2025-10-15 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/f09138ce-6f0f-49bd-9667-1cdb9866dbf7/Fig+1.PNG Blogs - Look Beyond the Sticker Price to Get a Better View into College Costs - Make it stand out Source: Sallie Mae. “How America Pays for College 2022.” https://www.salliemae.com/about/leading-research/how-america-pays-for-college/ https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/b8ec6241-f125-4426-b75b-c10b4035b305/Fig+2.PNG Blogs - Look Beyond the Sticker Price to Get a Better View into College Costs Source: NerdWallet. “CSS Profile vs. FAFSA: How Are They Different.” Updated May 4, 2023. https://www.nerdwallet.com/article/loans/student-loans/know-college-financial-aid-applications https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/b755d86f-0fa5-4111-89b6-5b3ecabd3d45/Fig+3.PNG Blogs - Look Beyond the Sticker Price to Get a Better View into College Costs - Make it stand out Sources: Collegeboard.org, each school’s “Estimate Your Net Cost Calculator”, Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/july-2023-blog-2q23-investment-letter monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/e057be7a-712e-4a07-8490-aa39fee170f2/Fig+1.PNG Blogs - July 2023 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/c056c16c-ac93-4793-9413-b23f097d3771/Fig+2.PNG Blogs - July 2023 Investment Letter Sources: St. Louis Fed/Board of Governors of the Federal Reserve System (treasury yields). https://fred.stlouisfed.org/series/DGS2. https://fred.stlouisfed.org/series/DGS10. Forbes Advisor (fed funds rate) https://www.forbes.com/advisor/investing/fed-funds-rate-history/ https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/222cf427-d15b-43a1-969c-4a354a43fa45/Fig+3.PNG Blogs - July 2023 Investment Letter Sources: U.S. Bureau of Labor Statistics (PCE) https://fred.stlouisfed.org/series/PCEPI, Fred St. Louis Fed citing U.S. Bureau of Economic Analysis (CPI) https://data.bls.gov/cpi/data.htm https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/90a890e3-fe9b-41d0-b836-56bd1b9270fb/Fig+4.PNG Blogs - July 2023 Investment Letter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - July 2023 Investment Letter https://www.glasslakewealth.com/blogs/microsoft-will-win-from-ai-advances monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/a41a881b-5d8e-42ec-ab7a-b4010f319ed6/Fig+2.PNG Blogs - Microsoft Will Win from AI Advances - Make it stand out Sources: Company filings, Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/051ee4bc-e405-40bd-9dd0-acf9a965c4a7/Fig+1.PNG Blogs - Microsoft Will Win from AI Advances Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/which-states-make-for-a-tax-smart-move-at-retirement monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/c4584094-9711-4561-bfbf-52c646d3b781/Fig+1.PNG Blogs - Which States Make for a Tax-Smart Move at Retirement - Make it stand out Assumptions: (1) RMD tables utilized for 73-year-olds, (2) 2% yield earned on taxable assets, (3) total spending to be funded from RMD distributions and dividends first, then from taxable accounts that are all long-term capital gains with 100% realized gains, (4) 2% portfolio turnover in taxable accounts that are all long-term capital gains with 100% realized gains, (5) 50% of total spending is subject to state sales tax https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/e97c366a-0c3b-4f75-be94-d27dcb36eac3/Fig+2.PNG Blogs - Which States Make for a Tax-Smart Move at Retirement Sources: Tax Foundation (income tax brackets, weighted average sales tax, Social Security taxability, retirement plan taxability), SmartAsset (capital gains rates), The Motley Fool citing the 2021 American Community Services by the U.S. Census Bureau (median property tax rates), Kiplinger.com (property tax exemptions). Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/881c13cc-9805-40bc-86ed-7b7b62106fd9/Fig+3.PNG Blogs - Which States Make for a Tax-Smart Move at Retirement - Make it stand out Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/20c568e3-ca6d-4bba-957a-0d478e5471c9/Fig+4.PNG Blogs - Which States Make for a Tax-Smart Move at Retirement - Make it stand out Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/286289ba-6430-45b0-9a9e-fc50ab48af90/Fig+5.PNG Blogs - Which States Make for a Tax-Smart Move at Retirement - Make it stand out Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/c6828036-5873-47c4-b3c0-5afc5d3fffe9/Fig+6.PNG Blogs - Which States Make for a Tax-Smart Move at Retirement - Make it stand out Sources: Tax Foundation, Kiplinger. https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/06c59c24-ff50-4eeb-bc7f-f5ac22e2cbf2/Fig+7.PNG Blogs - Which States Make for a Tax-Smart Move at Retirement - Make it stand out Source: Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/april-2023-blog-1q23-investment-letter monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/a0880792-0a0b-4a64-adb9-08990ccf5d36/Fig+1.PNG Blogs - April 2023 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/dd6b1aea-e109-4a82-9576-525f9c0d8ab2/Fig+2.PNG Blogs - April 2023 Investment Letter Sources: St. Louis Fed/Board of Governors of the Federal Reserve System (treasury yields). https://fred.stlouisfed.org/series/DGS2. https://fred.stlouisfed.org/series/DGS10. Forbes Advisor (fed funds rate) https://www.forbes.com/advisor/investing/fed-funds-rate-history/ https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/f5446e0c-19db-4c9b-9a45-c4c5390ec193/Fig+3.PNG Blogs - April 2023 Investment Letter Sources: U.S. Bureau of Labor Statistics (PCE) https://fred.stlouisfed.org/series/PCEPI, Fred St. Louis Fed citing U.S. Bureau of Economic Analysis (CPI) https://data.bls.gov/cpi/data.htm https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/8438c057-8943-4698-89e7-0472567c792b/Fig+4.PNG Blogs - April 2023 Investment Letter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - April 2023 Investment Letter https://www.glasslakewealth.com/blogs/progressive-to-drive-consistent-profitable-auto-market-share-gains monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/cc7c1ba8-e8d7-4145-bed9-e2a7c16346fe/Fig+1.PNG Blogs - Progressive to Drive Consistent, Profitable Auto Market Share Gains - Make it stand out Sources: Company filings, Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/7835ae30-e088-4849-8a75-d63ec18e02ff/Fig+2.PNG Blogs - Progressive to Drive Consistent, Profitable Auto Market Share Gains Sources: Company Annual Reports https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/74666d59-e33e-4c06-8bda-35541c231a7b/Fig+3.PNG Blogs - Progressive to Drive Consistent, Profitable Auto Market Share Gains - Make it stand out Sources: Company filings, Glass Lake Wealth Management *Lower figures indicate a higher degree of profitability https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/18fcd41f-6cf4-4ecc-81b8-58f2e86a56b1/Fig+4.PNG Blogs - Progressive to Drive Consistent, Profitable Auto Market Share Gains - Make it stand out Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/better-to-rent-than-buy-at-present-unless-you-stay-put monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/b9405336-c972-475a-94a7-188fc96eb1e1/Fig+1.PNG Blogs - Better to Rent Than Buy at Present Unless You Stay Put - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/0bc2c17c-6c5f-4f8a-b69e-304d278fdc52/Fig+2.PNG Blogs - Better to Rent Than Buy at Present Unless You Stay Put Sources: St. Louis Fed citing the US Census Bureau and Housing and Urban Development (median home prices) https://fred.stlouisfed.org/series/MSPUS; St. Louis Fed citing the U.S. Bureau of Labor Statistics (rent data) https://fred.stlouisfed.org/series/CUUR0000SEHA; Glass Lake Wealth Management *Median home price and rent data are indexed to 100 in 2000 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/884a64e5-6a6b-4dbf-aef6-76d7be20570c/Fig+3.PNG Blogs - Better to Rent Than Buy at Present Unless You Stay Put - Make it stand out Source: St. Louis Fed citing the US Census Bureau and Housing and Urban Development (median home prices) https://fred.stlouisfed.org/series/MSPUS; St. Louis Fed citing the U.S. Census Bureau (median household income) https://fred.stlouisfed.org/series/MEFAINUSA646N; Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/b9fd4e9d-2d07-4c9d-b1c9-f686611cb788/Fig+4.PNG Blogs - Better to Rent Than Buy at Present Unless You Stay Put - Make it stand out Sources: St. Louis Fed citing the US Census Bureau and Housing and Urban Development (median home prices) https://fred.stlouisfed.org/series/MSPUS; St. Louis Fed citing the U.S. Census Bureau (median household income) https://fred.stlouisfed.org/series/MEFAINUSA646N; St. Louis Fed citing Freddie Mac (30-Year Fixed Rate Mortgage) https://fred.stlouisfed.org/series/MORTGAGE30US; Glass Lake Wealth Management *Mortgage payment assumes 20% down on a median priced home financed with the average prevailing 30-year fixed mortgage rate https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/0132bc14-fcad-458b-8b71-dcc7326fa8bd/Fig+5.PNG Blogs - Better to Rent Than Buy at Present Unless You Stay Put - 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/v1/5e84d02e0f51f66db8a9def5/f9cc3de6-1c1e-4e0b-9dae-812a5e914420/Fig+6.PNG Blogs - Better to Rent Than Buy at Present Unless You Stay Put - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/a6100d91-9fb9-4e87-8e94-4f09e75540e5/Fig+7.PNG Blogs - Better to Rent Than Buy at Present Unless You Stay Put - Make it stand out Source: St. Louis Fed citing the S&P Dow Jones Indices LLC https://fred.stlouisfed.org/series/CSUSHPISA *Indexed to 100 in January 2020 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/de6cc135-7958-42d5-ae78-b49cf7a72dab/Fig+8.PNG Blogs - Better to Rent Than Buy at Present Unless You Stay Put - Make it stand out Source: St. Louis Fed citing Freddie Mac https://fred.stlouisfed.org/series/MORTGAGE30US https://www.glasslakewealth.com/blogs/january-2023-blog-4q22-investment-letter monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/b4f83c5c-776f-448c-b1c2-7202af45def5/Fig+1.PNG Blogs - January 2023 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/96445c05-e25a-4bbb-9606-102eb9daa165/Fig+2.PNG Blogs - January 2023 Investment Letter Sources: St. Louis Fed/Board of Governors of the Federal Reserve System (treasury yields). https://fred.stlouisfed.org/series/DGS2. https://fred.stlouisfed.org/series/DGS10. Forbes Advisor (fed funds rate) https://www.forbes.com/advisor/investing/fed-funds-rate-history/ https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1abd7ccd-c7ac-4238-be22-b5206b591a2b/Fig+3.PNG Blogs - January 2023 Investment Letter Sources: U.S. Bureau of Labor Statistics (PCE) https://fred.stlouisfed.org/series/PCEPI, Fred St. Louis Fed citing U.S. Bureau of Economic Analysis (CPI) https://data.bls.gov/cgi-bin/surveymost https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/9abce85a-aa25-40b7-bdb3-899d597a36b7/Fig+4.PNG Blogs - January 2023 Investment Letter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - January 2023 Investment Letter https://www.glasslakewealth.com/blogs/costar-to-shine-brightly-through-the-economic-cycle monthly 0.5 2022-12-02 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/5bf125b0-ddce-47c1-9422-22fcb4dfdc54/Fig+1.PNG Blogs - CoStar to Shine Brightly Through the Economic Cycle - Make it stand out Sources: Company filings, Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/4cfc0f30-eff0-4c82-b680-f69f513ad833/Fig+2.PNG Blogs - CoStar to Shine Brightly Through the Economic Cycle Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/exploit-this-loophole-to-invest-over-10k-in-inflation-linked-i-bonds monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/d81ea800-4cbe-4554-a31e-85f7663c1260/Fig+1.PNG Blogs - Exploit This Loophole to Invest >$10k in Inflation-Linked I Bonds - Make it stand out Sources: TreasuryDirect, Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/76cf9c5b-5820-4f65-ba11-7574ab21c167/Fig+2.PNG Blogs - Exploit This Loophole to Invest >$10k in Inflation-Linked I Bonds Source: Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/october-2022-blog-3q22-investment-letter monthly 0.5 2022-10-03 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/22ba556d-0f49-491e-83b8-8f8e53316ff6/Fig+1.PNG Blogs - October 2022 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/fff14928-78db-4f02-8aad-b4257afd3582/Fig+2.PNG Blogs - October 2022 Investment Letter Sources: U.S. Bureau of Labor Statistics (PCE) https://fred.stlouisfed.org/series/PCEPI, Fred St. Louis Fed citing U.S. Bureau of Economic Analysis (CPI) https://data.bls.gov/cgi-bin/surveymost https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1f98e470-a6c9-4a94-89d3-a41398ec4e61/Fig+3.PNG Blogs - October 2022 Investment Letter Sources: St. Louis Fed/Board of Governors of the Federal Reserve System (treasury yields). https://fred.stlouisfed.org/series/DGS2. https://fred.stlouisfed.org/series/DGS10. Forbes Advisor (fed funds rate) https://www.forbes.com/advisor/investing/fed-funds-rate-history/ https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/99abed54-962e-4c9c-98e5-b7cc1736aa36/Fig+4.PNG Blogs - October 2022 Investment Letter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - October 2022 Investment Letter https://www.glasslakewealth.com/blogs/it-pays-to-bulk-up-on-costco monthly 0.5 2022-09-06 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/0b0488a9-0c45-40f7-b8af-62925ee72de2/Fig+1.PNG Blogs - It Pays to Bulk Up on Costco - Make it stand out Sources: Company filings, Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/deed94bb-07b9-4a52-833e-313ecc17d745/Fig+2.PNG Blogs - It Pays to Bulk Up on Costco Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/roth-conversions-can-really-pay-off-if-timed-well monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/bc8e01bf-3def-4c4f-9d14-b3b020ee2c25/Fig+1.PNG Blogs - Roth Conversions Can Really Pay Off, if Timed Well - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/cc399440-8a4c-4c5b-8e63-19d859042411/Fig+2.PNG Blogs - Roth Conversions Can Really Pay Off, if Timed Well Source: : IRS.gov. https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2022 https://www.glasslakewealth.com/blogs/july-2022-blog-2q22-investment-letter monthly 0.5 2022-07-03 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/aa2a6d64-b17d-4f45-b309-07e4c57d0fcc/Fig+1.PNG Blogs - July 2022 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/f98af944-092c-499a-af8f-2897f58f2735/Fig+2.PNG Blogs - July 2022 Investment Letter Source: St. Louis Fed/Board of Governors of the Federal Reserve System. https://fred.stlouisfed.org/series/DGS2. https://fred.stlouisfed.org/series/DGS10 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/ac2c954c-8244-4491-afa3-c40e3081272d/Fig+3.PNG Blogs - July 2022 Investment Letter Sources: National Bureau of Economic Research, Compound Advisors. https://compoundadvisors.com/2022/every-bear-market-is-different https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/b3123e08-1764-4dd3-9564-77b310133782/Fig+4.PNG Blogs - July 2022 Investment Letter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - July 2022 Investment Letter https://www.glasslakewealth.com/blogs/monolithic-power-is-charged-up-for-superior-growth monthly 0.5 2022-06-01 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/b350ac15-c564-42ef-9306-aad986e84635/Fig+1.PNG Blogs - Monolithic Power Is Charged Up for Superior Growth - Make it stand out Sources: Company filings, Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/eba2c2cb-3773-4563-ae3b-79035d38c61c/Fig+2.PNG Blogs - Monolithic Power Is Charged Up for Superior Growth Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/when-it-makes-sense-to-prepay-your-mortgage monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/b623e167-330d-4fca-9263-871cf625fe73/Fig+1.PNG Blogs - When It Makes Sense to Prepay Your Mortgage - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/2843bd52-a49c-48a9-9bfa-48c52d647c94/Fig+2.PNG Blogs - When It Makes Sense to Prepay Your Mortgage Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/58be48fd-2c4e-4621-bc1b-320fd55c056f/Fig+3.PNG Blogs - When It Makes Sense to Prepay Your Mortgage Source: Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/april-2022-blog-1q22-investment-letter-sxrnn monthly 0.5 2022-04-04 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/39ba84d7-db6e-42c3-afe7-80e61ba844a7/Fig+1.PNG Blogs - April 2022 Investment Letter - Make it stand out Source: Yahoo Finance https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/4ac44e53-c0a2-40e7-b375-e1cc77bd551f/Fig+2.PNG Blogs - April 2022 Investment Letter Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/5b262230-4655-43ed-bc27-3519a5bd7c75/Fig+4.PNG Blogs - April 2022 Investment Letter Sources: FRED citing the U.S. Bureau of Economic Analysis. https://fred.stlouisfed.org/series/PCEPI. https://fred.stlouisfed.org/series/PCEPILFE https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/f7b62540-580a-460f-adc0-49729c0c75cc/Fig+4.PNG Blogs - April 2022 Investment Letter - Make it stand out Source: St. Louis Fed/Board of Governors of the Federal Reserve System. https://fred.stlouisfed.org/series/DGS2. https://fred.stlouisfed.org/series/DGS10. https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/e8c5977e-8bfa-47c3-9071-316a6882d2d8/Fig+5.PNG Blogs - April 2022 Investment Letter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - April 2022 Investment Letter https://www.glasslakewealth.com/blogs/whats-not-to-heart-about-edwards-lifesciences monthly 0.5 2022-03-03 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/047c8613-41e4-44b2-8474-7f838b248fd9/Fig+1.PNG Blogs - Stock Feature — “What’s Not to Heart About Edwards Lifesciences?” - Make it stand out Sources: Company filings, Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/40bc9a63-915a-45ca-9632-95caa2e957b1/Fig+2.PNG Blogs - Stock Feature — “What’s Not to Heart About Edwards Lifesciences?” - Make it stand out Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/be-firm-with-term-if-life-insurance-makes-sense-for-you monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/6d059fa6-cd25-4706-8a9e-83cffa3e4176/Fig+1.PNG Blogs - Be Firm with Term If Life Insurance Make Sense for You - Make it stand out Source: Nerdwallet.com, sourcing Quotancy. “Average Life Insurance Rates.” https://www.nerdwallet.com/article/insurance/average-life-insurance-rates https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/83aab7a0-de5a-43b8-95d6-14e28185e09e/Fig+2.PNG Blogs - Be Firm with Term If Life Insurance Make Sense for You Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/b70d2380-e89a-456f-8174-34fc7a1cccbf/Fig+3.PNG Blogs - Be Firm with Term If Life Insurance Make Sense for You Source: Society of Actuaries and LIMRA. “U.S. Individual Life Insurance Persistency.” 2019. https://www.soa.org/globalassets/assets/files/resources/research-report/2019/2009-13-us-ind-life-persistency-update-report.pdf https://www.glasslakewealth.com/blogs/january-2022-blog-4q21-investment-letter monthly 0.5 2022-01-05 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/cd57e0c6-886f-4c7e-98e3-42b478a50114/Fig+1.PNG Blogs - January 2022 Investment Letter - Make it stand out Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/c0f40c8e-c8c6-42a8-8b82-2e9af33cd9d0/Fig+2.PNG Blogs - January 2022 Investment Letter Source: New York Times. Updated 1/4/22. https://www.nytimes.com/interactive/2021/us/covid-cases.html https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/5b262230-4655-43ed-bc27-3519a5bd7c75/Fig+4.PNG Blogs - January 2022 Investment Letter Sources: FRED citing the U.S. Bureau of Economic Analysis. https://fred.stlouisfed.org/series/PCEPI. https://fred.stlouisfed.org/series/PCEPILFE https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1b413e1d-58be-48bb-9dc9-a26b60589c7c/Fig+3.PNG Blogs - January 2022 Investment Letter - Make it stand out Source: U.S. Department of the Treasury. https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yield https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/84f43c88-52b7-4446-bb4a-eec9c5ad324a/Fig+5.PNG Blogs - January 2022 Investment Letter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - January 2022 Investment Letter https://www.glasslakewealth.com/blogs/skyline-champion-is-helping-to-solve-the-housing-affordability-crisis monthly 0.5 2021-12-16 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/a4709c98-cf4f-45e4-b38c-a4fc8885ead2/SKY+1.PNG Blogs - Stock Feature — “Skyline Champion Is Helping to Solve the Housing Affordability Crisis” - Make it stand out Source: FRED citing the U.S. Census Bureau (median sales price data link; median household income link) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/232cf89d-0dcd-43b7-b573-9f3c09611fb5/SKY+2.PNG Blogs - Stock Feature — “Skyline Champion Is Helping to Solve the Housing Affordability Crisis” - Make it stand out Sources: U.S. Census Bureau (MH shipment data), Cavco presentation citing the Manufactured Housing Institute and U.S. Census Bureau (MH shipment as % data) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/721339b0-e42b-4782-95e2-6b11d3a1b2d7/SKY+3.PNG Blogs - Stock Feature — “Skyline Champion Is Helping to Solve the Housing Affordability Crisis” - Make it stand out Sources: Company filings (historical results), Koyfin (analysts’ consensus estimates), Glass Lake Wealth Management https://www.glasslakewealth.com/blogs/delaying-social-security-benefits-is-often-the-best-choice-for-60-somethings monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633113927771-DD59ZA4WPM2JQ0KXZ6KQ/Fig+6.PNG Blogs - Delaying Social Security Benefits Is Often the Best Choice for 60-Somethings - 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/v1/5e84d02e0f51f66db8a9def5/1633114126778-SIUWL73CYK1BC3POVNYC/Fig+7.PNG Blogs - Delaying Social Security Benefits Is Often the Best Choice for 60-Somethings - Make it stand out Source: Social Security Administration. https://www.ssa.gov/oact/cola/piaformula.html https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633114764395-RONGJXH7HKDGLXMV4ILZ/Fig+8.PNG Blogs - Delaying Social Security Benefits Is Often the Best Choice for 60-Somethings - Make it stand out Source: Social Security Administration. https://www.ssa.gov/OACT/COLA/Benefits.html https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633114919689-197ZN3ZEFJLRXOQ0SLIY/Fig+9.PNG Blogs - Delaying Social Security Benefits Is Often the Best Choice for 60-Somethings - Make it stand out Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633115017905-AGNRJFVZN9ODX3HB57DX/Fig+10.PNG Blogs - Delaying Social Security Benefits Is Often the Best Choice for 60-Somethings - Make it stand out Source: Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/october-2021-newsletter monthly 0.5 2021-10-04 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633112862469-9VUPQO71N1YS7697MCEF/Fig+1.PNG Blogs - October 2021 Newsletter Source: Yahoo Finance (inclusive of dividends) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633112570940-S7Q3DM82PT05FF342HVP/Fig+2.PNG Blogs - October 2021 Newsletter Source: New York Times. Updated 10/1/21. https://www.nytimes.com/interactive/2021/us/covid-cases.html https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633112702049-TUOTEI266DYNO15W9V15/Fig+3.PNG Blogs - October 2021 Newsletter Source: FRED citing the U.S. Bureau of Economic Analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633113063562-B414WXUGFSXLJL2C1N60/Fig+4.PNG Blogs - October 2021 Newsletter - Make it stand out Source: Glass Lake Wealth Management https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - October 2021 Newsletter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633113548619-V5QQL81EXRWSOU6412BE/Fig+5.PNG Blogs - October 2021 Newsletter - Make it stand out Source: Company filings (historical results), Koyfin (analysts’ consensus estimates) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633113927771-DD59ZA4WPM2JQ0KXZ6KQ/Fig+6.PNG Blogs - October 2021 Newsletter - 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/v1/5e84d02e0f51f66db8a9def5/1633114126778-SIUWL73CYK1BC3POVNYC/Fig+7.PNG Blogs - October 2021 Newsletter - Make it stand out Source: Social Security Administration. https://www.ssa.gov/oact/cola/piaformula.html https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633114764395-RONGJXH7HKDGLXMV4ILZ/Fig+8.PNG Blogs - October 2021 Newsletter - Make it stand out Source: Social Security Administration. https://www.ssa.gov/OACT/COLA/Benefits.html https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633114919689-197ZN3ZEFJLRXOQ0SLIY/Fig+9.PNG Blogs - October 2021 Newsletter - Make it stand out Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1633115017905-AGNRJFVZN9ODX3HB57DX/Fig+10.PNG Blogs - October 2021 Newsletter - Make it stand out Source: Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/july-2021-newsletter monthly 0.5 2021-09-03 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625199108613-AC4YHZMK5JX1R8MFFLTE/Fig+1.PNG Blogs - July 2021 Newsletter Source: FRED citing the U.S. Bureau of Economic Analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625199203955-CVRLGEW20P4I4HTGS1BO/Fig+2.PNG Blogs - July 2021 Newsletter Source: U.S. Department of Treasury https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625199423274-LKNAZO2BR9JTUICPXC8N/Fig+3.PNG Blogs - July 2021 Newsletter Source: Yahoo Finance https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625199669335-AD75M5BKL4R9GCW3BA5C/Fig+4.PNG Blogs - July 2021 Newsletter - 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/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - July 2021 Newsletter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625200359236-909IKYPXIF5ZI8AICYUR/Fig+5.PNG Blogs - July 2021 Newsletter - Make it stand out Source: Company filings (historical results), Koyfin (analysts’ consensus estimates) https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625200884642-5LZNSUO0CEWZAVHFFHUU/Figure+1.PNG Blogs - July 2021 Newsletter - 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/v1/5e84d02e0f51f66db8a9def5/1625200908559-1GW6FMN4TT7P1N0JE885/Figure+2.PNG Blogs - July 2021 Newsletter - 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/v1/5e84d02e0f51f66db8a9def5/1625200936445-JHNY4FZUK2Y0GNXTX7N3/Figure+3.PNG Blogs - July 2021 Newsletter - 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/v1/5e84d02e0f51f66db8a9def5/1625200955022-QZR24XTDFA41UI5BJPJ4/Figure+4.PNG Blogs - July 2021 Newsletter - 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/v1/5e84d02e0f51f66db8a9def5/1625235814051-QBHYIIIN6TTQLI6S48PM/Appendix.PNG Blogs - July 2021 Newsletter - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.glasslakewealth.com/blogs/which-states-make-for-a-tax-smart-move monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625164898291-0JCCZA2JNGLB5YZCGGKV/Figure+1.PNG Blogs - The Great Migration — Which States Make for a Tax-Smart Move - 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/v1/5e84d02e0f51f66db8a9def5/1625165227618-43I7IGCEJTGSDWGMNFRE/Figure+2.PNG Blogs - The Great Migration — Which States Make for a Tax-Smart Move Source: Tax Foundation, Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625165628177-BFZD0GUW0Y6509IKWA8R/Figure+3.PNG Blogs - The Great Migration — Which States Make for a Tax-Smart Move - Make it stand out Source: Tax Foundation https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625165906392-4ERH34MFB3BJO42I7P0G/Figure+4.PNG Blogs - The Great Migration — Which States Make for a Tax-Smart Move - Make it stand out Source: Tax Foundation (Pension Funded Ratio), USgovernmentspending.com (Debt % of GDP), California State Treasurer (S&P credit ratings), Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1625235774475-ZP49U3F8ITLHF2X5XZ6D/Appendix.PNG Blogs - The Great Migration — Which States Make for a Tax-Smart Move - Make it stand out Source: Tax Foundation, Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/a-backdoor-roth-ira-could-pad-your-retirement monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617390583415-PB5ST2K7HHEZWM63QUWG/TraditionalVsRoth+03.31.21.PNG Blogs - A Backdoor Roth IRA Could Pad Your Retirement Assumptions: (1) max, static 401(k) contributions inclusive of catch-up contributions; (2) no employer match; (3) retirement age of 65; (4) 6% rate of return on 401(k) assets; (5) RMDs start at 72 for traditional 401(k); (6) 5% after-tax return on non-retirement assets; (7) marginal federal + state tax rates: 27% at age 25-29, 29% at 30-39, 37% at 40-64, 29% at 65+; (8) “Hybrid Approach” makes Roth 401(k) contributions through age 39 and Traditional 401(k) contributions thereafter Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617390872526-PSV8IAVCWPP4V94SLP3C/IRA+Phaseouts+03.31.21.PNG Blogs - A Backdoor Roth IRA Could Pad Your Retirement Source: IRS.gov. “New income ranges for IRA eligibility in 2021.” Published 11/4/20 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617391060984-EORBQZD8PKV1JGQXAX4O/Backdoor+IRA+Chart+03.31.21.PNG Blogs - A Backdoor Roth IRA Could Pad Your Retirement Assumptions: (1) max, static backdoor Roth IRA contributions inclusive of catch-up contributions; (2) equal contribution put into a taxable account for comparison; (3) retirement age of 65; (4) 6% investment returns; (5) 25% annual portfolio turnover; (6) proportion of sale proceeds that is a taxable long-term gain is 20% in pre-retirement and 50% in post-retirement; (7) 20% long-term gain tax rate; (8) 5% of account value is withdrawn each year after retirement Source: Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/april-2021-newsletter monthly 0.5 2021-08-26 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617389145523-3QMEINQ5JER2PXRJFQ31/Vaccine+Rates+03.31.21.PNG Blogs - April 2021 Newsletter Source: New York Times citing Centers for Disease Control and Prevention Note: Data not updated on some weekends and holidays. Includes the Johnson & Johnson vaccine as of March 5. https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617389346227-BQ1H81DD1L9MXFLKYUXK/10-year+03.31.21.PNG Blogs - April 2021 Newsletter Source: U.S. Department of Treasury https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617390152668-ETTTM8N7TXPEIL91K4JH/BuysSells+03.31.21.PNG Blogs - April 2021 Newsletter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - April 2021 Newsletter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617390583415-PB5ST2K7HHEZWM63QUWG/TraditionalVsRoth+03.31.21.PNG Blogs - April 2021 Newsletter Assumptions: (1) max, static 401(k) contributions inclusive of catch-up contributions; (2) no employer match; (3) retirement age of 65; (4) 6% rate of return on 401(k) assets; (5) RMDs start at 72 for traditional 401(k); (6) 5% after-tax return on non-retirement assets; (7) marginal federal + state tax rates: 27% at age 25-29, 29% at 30-39, 37% at 40-64, 29% at 65+; (8) “Hybrid Approach” makes Roth 401(k) contributions through age 39 and Traditional 401(k) contributions thereafter Source: Glass Lake Wealth Management analysis https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617390872526-PSV8IAVCWPP4V94SLP3C/IRA+Phaseouts+03.31.21.PNG Blogs - April 2021 Newsletter Source: IRS.gov. “New income ranges for IRA eligibility in 2021.” Published 11/4/20 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617391060984-EORBQZD8PKV1JGQXAX4O/Backdoor+IRA+Chart+03.31.21.PNG Blogs - April 2021 Newsletter Assumptions: (1) max, static backdoor Roth IRA contributions inclusive of catch-up contributions; (2) equal contribution put into a taxable account for comparison; (3) retirement age of 65; (4) 6% investment returns; (5) 25% annual portfolio turnover; (6) proportion of sale proceeds that is a taxable long-term gain is 20% in pre-retirement and 50% in post-retirement; (7) 20% long-term gain tax rate; (8) 5% of account value is withdrawn each year after retirement Source: Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/health-savings-accounts-are-an-underappreciated-retirement-vehicle monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617233127635-B9YETCC4RT9BQJSROCCA/HSA+Coverage+06.30.20.PNG Blogs - Health Savings Accounts Are an Underappreciated Retirement Vehicle Source: Marsh & McLennan https://www.glasslakewealth.com/blogs/july-2020-newsletter monthly 0.5 2021-07-02 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228473296-Y5EK1G96QVAYGVMUB600/Signature+12.31.20.PNG Blogs - July 2020 Newsletter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617233127635-B9YETCC4RT9BQJSROCCA/HSA+Coverage+06.30.20.PNG Blogs - July 2020 Newsletter Source: Marsh & McLennan https://www.glasslakewealth.com/blogs/you-or-your-parents-should-probably-have-a-revocable-living-trust monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1630007462470-WQFQV2L7SLXWRBPDBYV5/Fig+6.PNG Blogs - You, or Your Parents, Should Probably Have a Revocable Living Trust Source: Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/october-2020-newsletter monthly 0.5 2021-08-26 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617227503363-L6NRGZCDH8LVE8EYNMTM/CovidCases09.30.20.PNG Blogs - October 2020 Newsletter Note: Includes confirmed and probable cases where available. 14-day change trends use 7-day averages. Updated on October 1. Source: New York Times https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228243349-UEN4V5FZYIKMF668LZFJ/RatioStockOptions09.30.20.PNG Blogs - October 2020 Newsletter Note: Refers to the average daily notional traded for options versus the underlying stocks Source: Wall Street Journal citing Goldman Sachs https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228473296-Y5EK1G96QVAYGVMUB600/Signature+12.31.20.PNG Blogs - October 2020 Newsletter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1630007349254-EH64P612YPOKH80O5PHS/Fig+6.PNG Blogs - October 2020 Newsletter Source: Glass Lake Wealth Management analysis https://www.glasslakewealth.com/blogs/529-college-savings-plans-are-best-in-class monthly 0.5 2023-11-07 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617216459692-L2CS288XAC3Q5FSPVWTS/Pros+Cons+529+Plans+12.31.20.PNG Blogs - 529 College Savings Plans Are Best in Class https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617216673929-DB2CM42EOIZHZI26RFAU/CollegeCostDistribution+12.31.20.PNG Blogs - 529 College Savings Plans Are Best in Class Source: educationdata.org *Room & Board assumes average on-campus living costs https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617217358727-WP0EHBT4EE1TXB6NEUSD/ContributionNeeded+12.31.20.PNG Blogs - 529 College Savings Plans Are Best in Class Source: educationdata.org, my calculations https://www.glasslakewealth.com/blogs/january-2021-newsletter monthly 0.5 2021-04-01 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617208740657-ML780EL99ZCLT1RNFSVD/10-year+12.31.20.PNG Blogs - January 2021 Newsletter Source: U.S. Department of Treasury https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617214506795-D0QY7B0A1S5I16UJUP3G/Contract+Prices+12.31.20.PNG Blogs - January 2021 Newsletter Source: PredictIt https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617249382651-VH4LV5CK6OBBPDPY7ZEX/BuysSells+12.31.20.PNG Blogs - January 2021 Newsletter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617228693856-QJ3TR63XO3TJ01RS72TY/Signature+12.31.20.PNG Blogs - January 2021 Newsletter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617249460086-W4KUVK8QFY5ENYNIXKU2/Pros+Cons+529+Plans+12.31.20.PNG Blogs - January 2021 Newsletter https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617216673929-DB2CM42EOIZHZI26RFAU/CollegeCostDistribution+12.31.20.PNG Blogs - January 2021 Newsletter Source: educationdata.org *Room & Board assumes average on-campus living costs https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1617217358727-WP0EHBT4EE1TXB6NEUSD/ContributionNeeded+12.31.20.PNG Blogs - January 2021 Newsletter Source: educationdata.org, my calculations https://www.glasslakewealth.com/blogs/tag/Newsletter monthly 0.5 https://www.glasslakewealth.com/blogs/tag/Article monthly 0.5 https://www.glasslakewealth.com/home daily 1.0 2026-04-01 https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1587080261399-69W0BOPRP31QCTIVTV4K/glwm-philosophy.png Home https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/1587070333301-FEHA64A6A7TP7TYXZJFJ/jim.png Home https://images.squarespace-cdn.com/content/v1/5e84d02e0f51f66db8a9def5/fee1a792-aab1-4c57-a8a5-812fbdad469b/IMG_7248edit.jpg Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.glasslakewealth.com/contact daily 0.75 2023-09-01 https://www.glasslakewealth.com/get-started daily 0.75 2021-04-02 https://www.glasslakewealth.com/get-started/p/relationship-with-youothers-zkb4l monthly 0.5 2019-07-05 https://images.squarespace-cdn.com/content/v1/5ced8e1d5fd4c700018dd761/1560190004400-XTA0DF0S9WOZJUG994C8/Stocksy_txp824ffa5crXt000_Original_845035.jpg Get Started - Relationship with You+Others https://www.glasslakewealth.com/get-started/p/relationship-with-others-ct5g3 monthly 0.5 2019-07-05 https://images.squarespace-cdn.com/content/v1/5ced8e1d5fd4c700018dd761/1560189982811-KFAJF1TCUH1SXZ827UMC/Stocksy_txp824ffa5crXt000_Large_844923.jpg Get Started - Relationship with Others https://www.glasslakewealth.com/get-started/p/relationship-with-you-9nxzx monthly 0.5 2019-07-05 https://images.squarespace-cdn.com/content/v1/5ced8e1d5fd4c700018dd761/1560189874730-3B0TSLDUHTQ93497V3L8/Stocksy_txp824ffa5crXt000_Large_844934A.jpg Get Started - Relationship with You