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ACM Insights

Not your average financial insights
Stacks of gold and silver bars 1693782914
  • July 14, 2026
  • ACM Insight

Gold and Silver Lose Their Shine

Gold and silver have enjoyed spectacular runs over the past couple of years. In 2025, gold returned 64%, while silver surged 142%. Both continued climbing …

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SpaceX logo on building 1795971404
  • July 14, 2026
  • ACM Insight

SpaceX’s Otherworldly Valuation

Back in the 1990s, during the dot-com boom, tech stock fever gripped investors. There were stories of New York City taxi drivers day trading from …

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digital map of the world interconnected 1636632429
  • July 7, 2026
  • ACM Insight

Portfolio Review Q2 2026

Stocks rebounded strongly from a slow first quarter by posting double-digit returns across the board in the second quarter. The S&P 500 returned 15.2% for …

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Vintage computer system 90s 2063167942
  • July 7, 2026
  • ACM Insight

Stock Market Deja Vu

Zapata Corp was originally an oil driller founded in 1953 by President George H. W. Bush.  It ended up with a Rochester connection in the …

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stack of coins with a dollar sign financial growth and investment) 934893350
  • July 7, 2026
  • ACM Insight

Trump Accounts: Should You Fund the New Internal Revenue Code Section 530A Accounts?

At first glance, the new “Trump Accounts” might seem like an easy win for parents, guardians, and grandparents with children younger than 18. It’s a …

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Armbruster 2025 1
  • July 7, 2026
  • ACM Insight

Old & In the Way

Old & In the Way was a short-lived bluegrass group in the 1970s. While it included world-class bluegrass musicians, they likely became famous because Jerry …

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401k auto enrollment 1791x1440 B4
  • June 18, 2026
  • ACM Insight

The Good, the Bad, and the Ugly of 401(k) Auto- Enrollment

Auto‑enrollment has become a central feature in modern retirement plan design, and recent legislation has only accelerated its adoption. As plan sponsors evaluate whether auto‑enrollment …

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  • April 7, 2026
  • ACM Insight

Portfolio Review Q1 2026: Market Analysis

The first quarter of 2026 was defined by geopolitical conflict, sharp moves in oil prices, and more. Despite heightened volatility, the overall market remained resilient, …

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  • April 7, 2026
  • ACM Insight

The Changing Face of The Investment Industry

The investment industry is transforming quickly as consolidation accelerates, fees rise, and AI reshapes back‑office operations. Despite these pressures, the article argues that independent firms …

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  • April 7, 2026
  • ACM Insight

Charitable Giving in 2026: What the New Rules Mean for Your Philanthropy and Beyond

The One Big Beautiful Bill Act introduces major changes to how charitable contributions are deducted starting in 2026, affecting both itemizers and non‑itemizers. These new …

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  • April 7, 2026
  • ACM Insight

The Quirky Joy of Nordic Fandom

By Mark Armbruster, CFA I’ve written a lot over the years about the quirky hobbies and activities I’ve pursued. Now it seems the apple doesn’t …

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Budget finance or senior woman with phone call by laptop for annuity fund 1541415719
  • March 5, 2026
  • ACM Insight

The Annuity Debate: Income Stability vs. Hidden Risks

Annuities remain one of the most debated financial products, offering the promise of lifetime income but often burdened by hidden costs and risks. This article …

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