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Blog

Holiday Sales
Dustin Terry | Nov 11, 2025

Despite the Gloom, Americans Keep Spending: Holiday Sales Set to Top $1 Trillion

This week’s insight congratulates the newest entrant into the trillion-dollar club: you, the American consumer.
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Dustin Terry | Nov 4, 2025

Six Months Up and Counting: Stocks Rally as AI Spending and Earnings Power the Bull Run

Business
Investing
Planning
  • Markets kept climbing through October, even as the government shutdown left investors flying blind on key data.
  • AI momentum, strong corporate profits, and new
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Rising ACA Premiums and the New HSA Opportunity for 2026
Dustin Terry | Oct 28, 2025

Rising ACA Premiums and the New HSA Opportunity for 2026

Planning

This week’s insight looks at a troubling headline from last week and the “bronze” lining that many small business owners should focus on.

On October 24, it was

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How Business Owners Can Maximize the Impact of Charitable Giving
Dustin Terry | Oct 21, 2025

How Business Owners Can Maximize the Impact of Charitable Giving

Taxes
Planning
  • Giving from the heart can meaningfully impact your small business’s bottom line
  • Gifting strategies may reduce your taxes owed, increase brand value, and help
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Tax Brackets, Bigger Refunds, and What It Means for 2026
Dustin Terry | Oct 14, 2025

Tax Brackets, Bigger Refunds, and What It Means for 2026

Planning
Taxes

This week’s insight looks ahead to the upcoming tax-filing season.

The IRS released its 2026 income tax brackets last week. There’s a 4% increase in the lowest

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Shutdown? The Market Didn’t Get the Memo. Stocks Hit New Records.
Dustin Terry | Oct 7, 2025

Shutdown? The Market Didn’t Get the Memo. Stocks Hit New Records.

Business
Investing
Planning
  • The S&P 500 rallied 3.5% in September and built upon those gains as the federal government closed its doors to begin Q4.
  • An AI supercycle and corporate
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The Cost of Intelligence: Who Pays for the AI Boom?
Dustin Terry | Sep 30, 2025

The Cost of Intelligence: Who Pays for the AI Boom?

Investing
Planning

This week’s insight tosses around a political football.

Yes, the midterm elections are about 13 months away, and both sides are gearing up for a fierce battle

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Cybersecurity for Entrepreneurs: Protecting Your Business Assets and Customer Information
Dustin Terry | Sep 23, 2025

Cybersecurity for Entrepreneurs: Protecting Your Business Assets and Customer Information

Business
Planning
  • Investing in data security is a non-negotiable for entrepreneurs handling digital assets
  • Cyber criminals constantly devise new hacks that target small business
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Jobs Revision Shakes the Data, But Not the Market
Dustin Terry | Sep 16, 2025

Jobs Revision Shakes the Data, But Not the Market

Planning

This week’s insight offers a fresh look at the jobs market. It’s not so rosy anymore.

Last week, the Bureau of Labor Statistics (BLS) released its annual

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Mortgage Rates Sink to 11-Month Low: Is a 5% Handle Coming Soon?
Dustin Terry | Sep 9, 2025

Mortgage Rates Sink to 11-Month Low: Is a 5% Handle Coming Soon?

Planning
Real Estate

This week’s insight offers good news for prospective home buyers.

The average 30-year fixed-rate mortgage plunged 0.16% to 6.29% in the wake of last Friday’s

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Trump’s Power Play Rocks the Fed, But Stocks Shrugged in August: Here’s Why
Dustin Terry | Sep 2, 2025

Trump’s Power Play Rocks the Fed, But Stocks Shrugged in August: Here’s Why

Investing
Planning
  • The S&P 500 logged another monthly gain despite mixed performances among the Mag 7 stocks
  • Small caps led, as hope turned into expectation for a Fed rate cut
  • In
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From Bitcoin to Ether: Measuring Crypto’s Weight in the Investment World
Dustin Terry | Aug 26, 2025

From Bitcoin to Ether: Measuring Crypto’s Weight in the Investment World

Investing
Planning

This week’s insight assesses the crypto playing field.

Clear Harbor has long been a believer in bitcoin, ether, and the like. Cryptocurrency may seem novel, even

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