Clayton Taylor Financial Advisor

07/21/2026

Small-cap stocks have been a standout this year, with the Russell 2000 up over 21%—its best start since 1991.

AI-related investment is expanding beyond mega-cap tech, lifting smaller companies in sectors like semiconductors and connectivity.

While interest rates are still in focus, the move highlights how opportunities are broadening across the market.


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The advance marks a sharp turnaround after years of underperformance versus large-cap peers.

07/14/2026

Treasury yields edged higher after May job openings came in at 7.6 million, topping expectations.

The 10-year rose to ~4.40% and the 2-year to ~4.125%—levels that can influence borrowing costs like mortgages and credit cards.

Investors are watching inflation and labor data closely for clues on where rates may head next.


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U.S. Treasury yields were higher on the final trading day of June as traders digested more jobs data.

07/09/2026

Saving for retirement gets the spotlight—but spending it wisely matters just as much.

Only 31% of Americans are familiar with “decumulation,” and many retirees end up underspending, some still have all (or more) of their savings well into their 80s.

The challenge isn’t just building wealth. It’s knowing how to use it, while navigating taxes, inflation, healthcare, and longevity.


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Many Americans spend decades saving for retirement, but lack a plan for using that money once they stop working, a new survey finds. Here's what to know.

07/07/2026

Important student loan changes as of July 1!

New borrowing caps, fewer repayment options, and updates to Pell Grant eligibility could impact planning for students and families.

Parent PLUS loans will be limited to $20K/year ($65K total), with new limits for graduate borrowing as well. Repayment choices are also narrowing, and some SAVE borrowers may need to transition to a new plan.

Pell Grants are expanding to include certain short-term training programs.

Be sure to review your options, watch for updates from loan servicers, and plan ahead.


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Loan revamp affects how much students and families can borrow to pay for college, as well as their repayment options.

07/04/2026

The Fourth of July is a celebration of freedom, opportunity, and the ability to plan for a brighter future.

I hope your day is filled with good company, great food, and a chance to reflect on what matters most.

Happy Independence Day.

06/30/2026

Fed unity may be coming.

Prediction markets put a 70% chance on a unanimous June rate decision—after four dissents in April, the most since 1992.

Rates are expected to hold at 3.50%–3.75%, but the real signal is alignment: policymakers may be coalescing around the current path despite stubborn inflation.

Even without a rate move, the vote itself speaks volumes.



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Traders on prediction market platform Kalshi largely forecast a unanimous decision among FOMC members at Wednesday's meeting, after April's divided vote.

06/24/2026

U.S. debt held by the public has edged above GDP for the first time, at roughly $31.27T vs. $31.22T. Rising interest costs and federal spending have driven the long-term increase, making debt servicing a growing budget consideration.


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Federal debt held by the public now surpasses the total value of the nation's economic output. Here's why experts say that's a concern.

06/22/2026

Summer travel is getting more expensive: airfare averages ~$383 (+$89 YoY), gas is up $1.42/gal, lodging +4.3%, activities +5.5%, and dining +3.6%. Even with higher costs, many Americans are still planning trips, often adjusting destinations to stay on budget.


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Gas prices, airfares, accommodations and other vacation essentials are more expensive this year compared to last year.

06/18/2026

Small-cap stocks are drawing attention as markets position ahead of upcoming economic reports and interest rate expectations.

Recent options data points to more defensive positioning, with puts making up a larger share of trading activity. Because small caps tend to carry higher debt sensitivity and less financial cushion, they’re often more reactive to changes in rates.


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Despite a 40% rally the past year – compared to 27% in the S&P 500 and 39% in the Nasdaq-100 – options traders look the most bearish on the Russell 2000.

06/16/2026

Markets don't take vacations. But a well-built strategy is designed to navigate the ups and downs.

Short-term headlines, volatility, and unexpected events are part of investing. A disciplined financial plan helps keep your focus on long-term goals rather than short-term market noise.