Understanding Market Risks: Why Diversification is Our Backbone

I am reaching out to you today because a few clients recently asked me if IBM’s sharp decline over the last two days (falling -36%) was going to hurt their Schwab portfolios.
It is a great question, and the short answer is: No, your portfolio is well-protected.
To understand why, we have to look at how we build and manage your portfolios. In the world of investing, there are three primary levels of stock market risk. Understanding the differences between them—and how we manage them—is key to achieving long-term, stress-free financial success.
 
1. Total Stock Market Risk (Systemic Risk)
This is the risk inherent to the entire market. When major macroeconomic events occur—such as changes in interest rates, geopolitical shifts, or recessions—the entire stock market can move together.
  • How we manage it: Because you cannot "diversify away" total market risk if you own equities, we manage this through asset allocation. By balancing your portfolio with a mix of equities, fixed income, and other non-correlated assets based on your personal risk tolerance, we ensure you are never overly exposed to broad market downturns.
2. Sector Risk
This risk is specific to a particular industry or sector, such as Technology, Healthcare, or Energy. A regulatory change, a supply chain disruption, or a sudden shift in consumer habits can cause an entire sector to decline, even if the rest of the market is doing well.
  • How we manage it: We avoid putting "too many eggs in one basket" by spreading your equity exposure across all major sectors of the economy, ensuring that a downturn in one industry does not drag down your entire portfolio.
3. Individual Stock Risk (Idiosyncratic Risk)
This is the risk associated with owning a single company. Corporate scandals, poor earnings reports, executive departures, or product failures can cause a single stock to plummet overnight—independent of how the broader market or sector is performing.
The recent news about IBM is a textbook example of this. Individual stock risk is exactly why we do not invest in single stocks.
 
The Power of Mathematical Diversification
To see this in action, let's look at the math behind your portfolio.
Instead of buying individual stocks, we utilize broad-market index funds like the SPDR S&P 500 ETF (SPY). IBM makes up only about 0.30% of the SPY. Because we are properly diversified:
  • When IBM lost 36% of its value, the SPY only lost 36% of $0.30—which equals a negligible 0.108%.
What could have been a catastrophic financial blow to an investor holding individual IBM stock became nothing more than minor background noise in a well-diversified Schwab portfolio.
 
Our Commitment to You
Staying properly diversified is the absolute backbone of the Research Financial Strategies success story. It allows us to capture the long-term growth of the global economy while insulating your hard-earned wealth from the volatile swings of individual corporate headlines.
 
We are continuously monitoring the markets and managing these risks so you don't have to. If you have any questions about your portfolio, or if you would like to discuss your current risk profile, please don't hesitate to reach out.
If you found this explanation helpful, please feel free to share this email with a friend or family member who might benefit from seeing how proper diversification protects their wealth.
 
Warm regards,
 
The Research Financial Strategies Team
2273 Research Blvd, Suite 101
Rockville, MD 20850
Office: (301) 294-7500
 
Source: Yahoo Finance

Weekly Market Insights | Chip Rally Lifts the Week

Stocks largely advanced over a V-shaped week as the AI trade, led by chip stocks, pushed the S&P 500 and Nasdaq averages higher amid renewed conflict.

The Standard & Poor’s 500 Index rose 1.23 percent, while the Nasdaq Composite Index advanced 1.74 percent. The Dow Jones Industrial Average declined 0.50 percent. The MSCI EAFE Index, which tracks developed overseas stock markets, lost 1.42 percent.1,2

Tech-Led Rise Past Geopolitical Concerns

Stocks rose to start the week, with the Dow hitting another record close and the Nasdaq climbing more than 1 percent as investors shook off valuation concerns that plagued AI stocks over the past few weeks.3

The Dow hit a new intraday high on Tuesday before its two-day slide, along with the S&P 500 and Nasdaq, through the week's lows midday Wednesday. That said, the Nasdaq eked out a slight gain on Wednesday after chip stocks recovered.4,5

After hitting its midweek bottom, stocks climbed through the end of the week. Chip stocks led the rally, pushing higher amid continued Middle East conflict, even as reports emerged that mediators were trying to get the U.S. and Iran back to the negotiating table. A handful of big tech names led the broad market’s rise to finish the week strong, with the S&P 500 and Nasdaq each gaining more than 1 percent on Friday.6,7

 
 

A ‘Family Fight’, Vexed by Inflation

Minutes from the Fed’s June meeting were released on Wednesday and revealed a Fed divided and unsure of how to proceed without more inflation data.

Fed officials offered opposing arguments at the meeting about whether to raise or lower interest rates. Fed Chair Warsh called the debate a “family fight” and gave little forward guidance on where the next decision was leaning, adding they would continue to assess “incoming information” on inflation.8

This Week: Key Economic Data

Monday: Treasury Balance.

Tuesday: NFIB Small Business Optimism Index. Consumer Price Index (CPI). Fed Chair Kevin Warsh presents Monetary Policy Report to Congress. Chicago Fed President Austan Goolsbee speaks.

Wednesday: Producer Price Index (PPI). Personal Consumption. New York Fed President John Williams speaks. Fed Beige Book.

Thursday: Retail Sales. Weekly Jobless Claims. Manufacturing & Trade: Inventories & Sales. NAHB Housing Market Index. Pending Home Sales. Dallas Fed President Lorie Logan speaks.

Friday: Housing Starts. Import Prices. Industrial Production. Capacity Utilization. University of Michigan Survey Results. 

Source: Investors Business Daily - Econoday economic calendar; July 10, 2026. The Econoday economic calendar lists upcoming U.S. economic data releases (including key economic indicators), Federal Reserve policy meetings, and speaking engagements of Federal Reserve officials. The content is developed from sources believed to provide accurate information. The forecasts or forward-looking statements are based on assumptions and may not materialize. The forecasts are also subject to revision.

This Week: Companies Reporting Earnings

Tuesday: JPMorgan Chase & Co. (JPM), Bank of America Corporation (BAC), The Goldman Sachs Group, Inc. (GS), Wells Fargo & Company (WLS), Citigroup Inc. (C)

Wednesday: Johnson & Johnson (JNJ), Morgan Stanley (MS), BlackRock (BLK), The Progressive Corporation (PGR), BNY (BNY), The PNC Financial Services Group, Inc. (PNC), Elevance Health, Inc. (ELV), Kinder Morgan, Inc. (KMI), Cintas Corporation (CTAS)

Thursday: UnitedHealth Group Incorporated (UNH), GE Aerospace (GE), Netflix, Inc. (NFLX), Abbott Laboratories (ABT), Prologis, Inc. (PLD), U.S. Bancorp (USB)

Friday: The Travelers Companies, Inc. (TRV), Truist Financial Corporation (TFC) 

Source: Zacks, July 10, 2026. Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Investing involves risks, and investment decisions should be based on your goals, time horizon, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. Companies may reschedule their earnings reports without notice.

"You cannot talk to people successfully if they think you are not interested in what they have to say or you have no respect for them."

– Larry King

Bananas: Nature's Energy Bar

Bananas are one of the most portable, fuss-free sources of nutrition you can find. High in potassium, vitamin B6, and fiber, they're a natural energy booster, no wrapper required. Freeze them and blend them in a smoothie, mash them into pancake batter as a natural sweetener, or slice them onto a peanut butter sandwich for a classic combination that never gets old. They're also a great egg substitute in baking, making them a pantry hero for plant-based cooking.

Tip adapted from Healthline9

Brittany carried a load of wood in a wheelbarrow, yet the wood was neither straight nor crooked. How could this be?

Last Week's Riddle: I lack lungs, yet I constantly need oxygen; I have no mouth, but sufficient water will drown me. What am I?

Answer: Fire.

Footnotes And Sources

1. WSJ.com, July 10, 2026
2. Investing.com, July 10, 2026
3. WSJ.com, July 6, 2026
4. CNBC.com, July 7, 2026
5. CNBC.com, July 8, 2026
6. CNBC.com, July 9, 2026
7. CNBC.com, July 10, 2026
8. CNBC.com, July 8, 2026 
9. Healthline, April 14, 2026

Weekly Market Insights | Markets Close Quarter Strong, Shrug Off Weak Jobs Report

Markets notched a solid gain over a shortened trading week as investors cheered ongoing diplomatic efforts in the Middle East.

The Standard & Poor’s 500 Index rose 1.77 percent, while the Nasdaq Composite Index advanced 2.12 percent. The Dow Jones Industrial Average climbed 1.97 percent. The MSCI EAFE Index, which tracks developed overseas stock markets, gained 1.81 percent.1,2

Q2 Ends with Fireworks

Stocks opened higher to start the week, climbing on weekend news regarding the U.S. and Iran.3

On the second day of trading, the rally narrowed with chip stocks leading the way. The Nasdaq rose more than 3.5 percent and the S&P 500 2 percent in the first two days of the week.4

But as July began, markets pivoted as investors rotated out of some AI and tech names. The Dow hit a new intraday high before pulling back a bit. The S&P 500 and Nasdaq declined, but a handful of megacap tech stocks with company-specific news rose, limiting the downside.5

On the last trading day of a shortened week, stocks initially rose after the June jobs report missed expectations, leading investors to readjust their interest rate expectations. However, as the session progressed, markets turned more mixed ahead of the holiday weekend.6

The Dow Industrials ended the week at a record high.7

Job Market Slows

The economy added 57,000 jobs last month, coming up short of the 115,000 economists expected. It was also short of the 129,000 jobs added in May.7

This Week: Key Economic Data

Monday: PMI Composite. ISM Services Index. Three-Month Treasury Bill Auction.

Tuesday: International Trade in Goods & Services. One-Year Treasury Bill Auction.

Wednesday: EIA Petroleum Status Update. Ten-Year Treasury Note Auction. FOMC Minutes Released (June meeting). Consumer Credit.

Thursday: Weekly Jobless Claims. Fed President speeches: John Williams (New York) and Lorie Logan (Dallas). Existing Home Sales. Fed Balance Sheet. 

Source: Investor’s Business Daily - Econoday economic calendar: July 2, 2026.
The Econoday economic calendar lists upcoming U.S. economic data releases (including key economic indicators), Federal Reserve policy meetings, and speaking engagements of Federal Reserve officials. The content is developed from sources believed to provide accurate information. The forecasts or forward-looking statements are based on assumptions and may not materialize. The forecasts are also subject to revision.

This Week: Companies Reporting Earnings

Tuesday: PepsiCo, Inc. (PEP)

Wednesday: Delta Air Lines, Inc. (DAL)

Source: Zacks, July 2, 2026. Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Investing involves risks, and investment decisions should be based on your goals, time horizon, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. Companies may reschedule their earnings reports without notice.

"For every man in the world functions to the best of his ability, and no one does less than his best, no matter what he may think about it."

 –John Steinbeck

Set a 15-Minute Timer for Tasks You're Avoiding

Procrastinating on something? Set a timer for just 15 minutes and commit to starting, nothing more. More often than not, momentum takes over, and you'll keep going long after the timer ends. It's a surprisingly effective way to break through resistance and get things done.

Tip adapted from Buzzfeed8

Citrus Fruits: Your Vitamin C Powerhouse

Oranges and strawberries may seem like simple staples, but these vitamin C-rich fruits are among the most nutritious foods you can add to your diet. Oranges bring fiber and antioxidants to the table, while strawberries deliver manganese and a naturally sweet flavor with minimal calories and carbs. Squeeze fresh orange juice into salad dressings for a bright, tangy kick, or macerate strawberries with a pinch of sugar to spoon over yogurt, pancakes, or even grilled chicken. Together or separately, these fruits make healthy eating feel anything but boring.

Tip adapted from Healthline9

I lack lungs, yet I constantly need oxygen; I have no mouth, but sufficient water will drown me. What am I?

Last Week's Riddle: What has a foot on each side and yet another foot in its middle?

Answer: A yardstick.

Sandhill Cranes (Antigone canadensis)

Kearney, Nebraska, United States

Footnotes And Sources

1. WSJ.com, July 2, 2026
2. Investing.com, July 2, 2026
3. CNBC.com, June 29, 2026
4. WSJ.com, June 30, 2026
5. CNBC.com, July 1, 2026
6. WSJ.com, July 2, 2026
7. WSJ.com, July 2, 2026
8. Buzzfeed.com, October 15, 2025
9. Healthline.com, April 14, 2026

Weekly Market Insights | Tech Steps Back. Banks, Healthcare, and Industrials Step Forward

Stocks ended mixed as falling oil prices helped lift the Dow Industrials, while concerns about AI valuation put pressure on the broader market.

The Standard & Poor’s 500 Index fell 1.95 percent while the Nasdaq Composite Index skidded 4.60 percent. The Dow Jones Industrial Average rose 0.60 percent. The MSCI EAFE Index, which tracks developed overseas stock markets, lost 1.33 percent.1,2

Dow Industrials Take the Lead

The S&P 500 and Nasdaq indexes were under pressure to start the week as the AI trade and tech more broadly came under scrutiny. But the Dow Industrials made a modest gain for the day.3

The rotation away from tech continued Tuesday, with large consumer stocks faring particularly well, which minimized the Dow’s decline. The S&P fell about 1.4 percent for the day, while the Nasdaq fell more than 2 percent.4

Midweek, stocks were mixed. Healthcare, financial, and industrial sectors carried the Dow to small gains on Wednesday and Thursday. Conversely, continued pressure on tech shares led the S&P and Nasdaq down, albeit at a slower pace than earlier in the week.5,6

Then markets flattened out as the week wrapped up. The slow-but-steady Dow logged its 3rd consecutive weekly gain, while the Nasdaq and S&P 500 were under steady pressure during the week.7

 
 

Inflation Update

The Fed’s preferred measure of inflation, PCE, or the Personal Consumption Expenditures Index, came in as expected for May. While the core number, which excludes energy, was at its highest level since October 2023. However, investors appeared relieved that there were no surprises.8

This Week: Key Economic Data

Tuesday: S&P Case-Shiller Home Price Index. Chicago Business Barometer. Consumer Confidence. Job Openings/Labor Turnover.

Wednesday: ADP Employment Report. Purchasing Managers Index (PMI)—Manufacturing. Institute for Supply Management (ISM)—Manufacturing. Construction Spending.

Thursday: Employment Report. Weekly Jobless Claims. Factory Orders. 

Source: Investors Business Daily - Econoday economic calendar; June 26, 2026. The Econoday economic calendar lists upcoming U.S. economic data releases (including key economic indicators), Federal Reserve policy meetings, and speaking engagements of Federal Reserve officials. The content is developed from sources believed to provide accurate information. The forecasts or forward-looking statements are based on assumptions and may not materialize. The forecasts are also subject to revision.

This Week: Companies Reporting Earnings

Tuesday: Nike, Inc. (NKE)

Wednesday: General Mills, Inc. (GIS) 

Source: Zacks, June 26, 2026. Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Investing involves risks, and investment decisions should be based on your goals, time horizon, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. Companies may reschedule their earnings reports without notice.

"True originality consists not in a new manner but in a new vision."

– Edith Wharton

Use AI as Your Personal Tour Guide

Planning a trip, or already on one? AI makes for a surprisingly great tour guide. Try asking something like: "I'm at [location] — what's the best route to see the highlights, and what's the history behind each one?" With voice mode enabled, it's like having a knowledgeable companion right in your ear.

Tip adapted from creatoreconomy.so9

4 Benefits of Yoga

In addition to helping you finally touch your toes, yoga may confer many other benefits, from helping you relax to even potentially helping your heart health. Below are some other potential benefits of yoga:

  • Yoga can decrease stress and promote relaxation. Becoming more in tune with your body and where you hold stress is rewarding.
  • Yoga may also be able to relieve anxiety. In one study, 34 women diagnosed with an anxiety disorder participated in yoga classes twice weekly for two months. At the end of the study, those who had practiced yoga had significantly lower levels of anxiety than the control group.
  • Yoga may help improve heart health and reduce several risk factors for heart disease. One study found that participants over 40 who practiced yoga for five years had lower blood pressure and pulse rates than those who did not.
  • Lastly, yoga may help fight depression; this may be because yoga can decrease cortisol levels, a stress hormone that influences serotonin levels, the neurotransmitter frequently associated with depression.

Tip adapted from Healthline10

What has a foot on each side and yet another foot in its middle?

Last Week's Riddle: What force and strength cannot get through, it with gentle touch can do. People in many halls would stand were it not in their hand. What is it?

Answer: A key.

Benidorm 

Alicante Province, Spain

 

Footnotes And Sources

1. WSJ.com, June 26, 2026
2. Investing.com, June 26, 2026
3. CNBC.com, June 22, 2026
4. CNBC.com, June 23, 2026
5. CNBC.com, June 24, 2026
6. CNBC.com, June 25, 2026
7. WSJ.com, June 26, 2026
8. CNBC.com, June 25, 2026
9. creatoreconomy.so, June 25, 2025
10. Healthline, November 18, 2025 

Weekly Market Insights | Peace Talks and Moonshot IPO Rescue the Week

Stocks moved higher last week as inflation jitters gave way to investor enthusiasm over Middle East diplomatic efforts and the largest-ever initial public offering (IPO).
The Standard & Poor’s 500 Index rose 0.65 percent, while the Nasdaq Composite Index advanced 0.70 percent. The Dow Jones Industrial Average gained 0.66 percent. The MSCI EAFE Index, which tracks developed overseas stock markets, added 0.92 percent.1,2

War, Peace & Space
Stocks were mixed on the first day of the week. Chip stocks led advances by the S&P 500 and Nasdaq, while the Dow Industrials sagged.3
The script flipped in the next session, as the chip stock fizzled despite a drop in oil prices. The S&P and Nasdaq slipped, while the Dow Industrials gained. Materials and consumer discretionary and real estate sectors led, with the latter rising on better-than-expected existing home sales.4
Stocks fell broadly midweek as investors reacted to the May CPI report, which showed year-over-year consumer inflation ticked up to 4.2 percent.5
But then sentiment turned positive again on Thursday after the White House gave an update on its ongoing diplomatic efforts in the Middle East.6
The week wrapped on a positive note, as the largest IPO appeared to boost investor enthusiasm, particularly for AI, and there were more updates on the Middle East.7
 
 
Inflation Update  
While year-over-year inflation rose to a 3-year high due to higher energy prices, Wall Street found some silver linings in the May report.
First, investors saw this coming. The 4.2 percent “headline” inflation matched market expectations, so the news was welcomed. Second, core inflation rose 2.9 percent over the prior 12 months, in line with forecasts.
Third, month-over-month CPI cooled slightly, giving investors hope that energy prices may have peaked.8
This Week: Key Economic Data
Monday: Industrial Production. Capacity Utilization.
Tuesday: Import Prices. Housing Starts. Building Permits.
Wednesday: Retail Sales. Pending Home Sales. Home Builder Confidence Index. Business Inventories. FOMC Interest Rate Decision. Fed Chair Warsh Press Conference.
Thursday: Weekly Jobless Claims. 
Friday: The Stock Market will be closed for the Juneteenth Holiday.
Source: Investors Business Daily - Econoday economic calendar; June 12, 2026. The Econoday economic calendar lists upcoming U.S. economic data releases (including key economic indicators), Federal Reserve policy meetings, and speaking engagements of Federal Reserve officials. The content is developed from sources believed to provide accurate information. The forecasts or forward-looking statements are based on assumptions and may not materialize. The forecasts are also subject to revision.
This Week: Companies Reporting Earnings
Thursday: Accenture (ACN) 
Source: Zacks, June 12, 2026. Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Investing involves risks, and investment decisions should be based on your goals, time horizon, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. Companies may reschedule their earnings reports without notice.
"We are what we repeatedly do. Excellence, then, is not an act, but a habit."
– Aristotle
Protect Your Tax Data
The Internal Revenue Service (IRS) shared guidelines for tax pros to protect taxpayer data, but these principles are sound for everyone to follow.
Antivirus software: This software scans computer files for malicious software (malware) on the device. Antivirus vendors find new issues and update malware daily. Always install the latest software updates on your computer.
Two-factor authentication: This adds an extra layer of protection beyond just a password. Not only do you enter your username and password, but you also enter a security code that the service provider can send to another device for extra protection.
Drive encryption: Encrypts sensitive data into unreadable code that unauthorized users cannot easily decipher, so only authorized users can access it. 
This information is not a substitute for individualized tax advice. Please consult with a qualified tax professional to discuss your specific tax issues.
Tip adapted from IRS.gov9
Skincare Tips
The first and most important tip is always to wear sunscreen, even if you spend little time in the sun. Some skincare products, including makeup, contain sunscreen, but you should also consider using a moisturizer with at least SPF 30 for extra protection. 
Another tip is to lighten up your skincare routine. If you're spending time outside exerting yourself, you might not need as much makeup or products as you do for indoor activities.
Tip adapted from Allure10
Your mother’s brother’s only brother-in-law is taking a picture of you. How is he more closely related to you?
Last Week's Riddle: On a summer day, two fathers and two sons went fishing, and each one of them caught one fish. Why did they return home with just three fish?
Answer: Because it was a grandfather, a father, and a son who went fishing.
A tower of giraffes (Giraffa camelopardalis camelopardalis)
Maasai Mara National Reserve, Kenya
Footnotes And Sources
1. WSJ.com, June 12, 2026
2. Investing.com, June 12, 2026
3. CNBC.com, June 8, 2026
4. CNBC.com, June 9, 2026
5. WSJ.com, June 10, 2026
6. CNBC.com, June 11, 2026
7. CNBC.com, June 12, 2026
8. WSJ.com, June 10, 2026 
9. IRS.gov, December 4, 2025
10. Allure.com, February 23, 2026 

Weekly Market Insights | Markets Stumble Last Week, But the Jobs Picture Stays Bright

Stocks slumped last week as investors winced over the potential for oil-shock inflation and concerns that strong jobs data could lead to higher interest rates.

The Dow Jones Industrial Average slipped 0.32 percent, while the Standard & Poor’s 500 Index dropped 2.59 percent. The Nasdaq Composite Index fell 4.68 percent. The MSCI EAFE Index, which tracks developed overseas stock markets, slid 1.41 percent.1,2

Under Pressure

June kicked off with modest gains as a tech rally overcame rising oil prices. On Monday, all 3 averages logged new all-time intraday highs and record closes. The S&P 500 recorded its first close above 7,600 on Tuesday, while the Dow advanced nearly a half percentage point.3

But stocks fell midweek as oil prices rose further. The S&P 500 broke its nine-day winning streak as investors fretted about the inflationary effects of the Middle East. By Wednesday’s close, the S&P and Dow Industrials had given back all the gains from the start of the week.4,5

On Friday, a stronger-than-expected jobs report prompted worries that the Fed may have to adjust short-term interest rates. Markets fell broadly, with the S&P down over 2½ percent for the session and the Nasdaq down over 4 percent.6

 
 
May Jobs
The federal government’s nonfarm payrolls report was out on Friday. The economy added 172,000 jobs in May, more than double what economists expected.7
Employers were playing catch-up after pausing hiring amid last year’s trade policy uncertainties and federal government budget cuts. Unemployment remained at 4.3 percent for the month. ADP’s report on private-sector hiring, released Wednesday, tracked similarly to the federal data.7
This Week: Key Economic Data
Tuesday: NFIB Small Business Optimism Index. U.S. Trade Balance. Existing Home Sales. Wholesale Inventories.
Wednesday: Consumer Price Index (CPI). Federal Budget.
Thursday: Weekly Jobless Claims. Producer Price Index (PPI).
Friday: Consumer Sentiment. 
Source: Investor’s Business Daily - Econoday economic calendar: June 5, 2026.
The Econoday economic calendar lists upcoming U.S. economic data releases (including key economic indicators), Federal Reserve policy meetings, and speaking engagements of Federal Reserve officials. The content is developed from sources believed to provide accurate information. The forecasts or forward-looking statements are based on assumptions and may not materialize. The forecasts are also subject to revision.
This Week: Companies Reporting Earnings
Wednesday:  Oracle Corporation (ORCL) 
Thursday: Adobe Inc. (ADBE)
Source: Zacks, June 5, 2026. Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Investing involves risks, and investment decisions should be based on your goals, time horizon, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. Companies may reschedule their earnings reports without notice.
“What you do makes a difference, and you have to decide what kind of difference you want to make.”
–Jane Goodall
Is It Time for a Paycheck Checkup?
Paycheck checkups are a great practice when something happens in your life that may change your tax status, such as getting married or divorced, having a baby, getting a new job, or getting a raise or promotion. You can also adjust your withholding status if you want to change the tax withheld due to other circumstances. 
Other factors can also be checked during your paycheck checkup, such as how much you contribute to your health insurance and retirement. These expenses can also impact your tax liability.
This information is not a substitute for individualized tax advice. Please consult with a qualified tax professional to discuss your specific tax issues.
Tip adapted from IRS.gov8
5-Minute Core-Strengthening Workout
Even if you only have a little time to dedicate to a core workout, this circuit will get you going and only takes 5 minutes. Here are the moves:
  • 1-minute high plank: Your hands are on the ground, your arms are straight, and you are holding your body up with your arms and a tight core. 
  • 30-second side plank on each side: One hand is on the ground, your arm is straight, and the other is in the air. You can do a side plank with your feet stacked on each other (most challenging), your feet staggered (a little easier), or your bottom knee on the ground. 
  • 1-minute boat pose: Your feet are in the air, and your arms are by your side, reaching to your feet. You can pose with your legs bent (easier) or straight out (harder). 
  • 1-minute crunches: Lift your shoulders and upper back off the ground without pulling your neck.
  • 1-minute dead bug: Lie on your back and alternate, extending the opposite arm and leg simultaneously.
Tip adapted from Nourish Move Love9
On a summer day, two fathers and two sons went fishing, and each one of them caught one fish. Why did they return home with just three fish?
Last Week's Riddle: It traveled from Kentucky to Texas in three days, and it did so while staying in a corner. What is it?
Answer: A stamp.
Zambezi River at Victoria Falls, Matabeleland North, Zimbabwe
Victoria Falls, Matabeleland North, Zimbabwe
Footnotes And Sources
1. WSJ.com, June 5, 2026
2. Investing.com, June 5, 2026
3. CNBC.com, June 1, 2026
4. CNBC.com, June 3, 2026
5. CNBC.com, June 4, 2026
6. WSJ.com, June  5, 2026
7. WSJ.com, June 5, 2026
8. IRS.gov November 28, 2025
9. Nourishmovelove.com February 23, 2026
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