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Retirement planning is important. Yet, many people never do comprehensive, detailed retirement planning. A good financial advisor will make sure your retirement plan is updated at least annually. A knowledgeable financial advisor ensures the assumptions needed to create a successful retirement plan are realistic. Your goal is a successful retirement, which means having sufficient resources to do the things you want to do in retirement.

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We build low-cost, properly diversified investment portfolios that are appropriate for your age and risk tolerance. Our portfolios are managed by a Chartered Financial Analyst (CFA). CFAs are institutionally trained money managers. We include individual stocks for those clients who want them. Norwood Economics is a traditional value investor. We buy good companies when they go on sale. We look for companies with strong balance sheets that typically pay a dividend. 

Professional Money Managers — Fishers, IN — Norwood Economics

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recent blog posts

Risks are Rising as the Economy Slows

By Christopher Norwood • September 8, 2025
Executive Summary The S&P 500 fell 0.3% last week to finish at 6,481.50 The CAPE ratio is currently at its second highest reading ever Valuation is a lousy timing mechanism, but an excellent predictor of future returns Interest rates declined last week The 2-Year Treasury yield fell to 3.51% by the close on Friday The 10-Year Treasury yield also fell, ending the week at 4.10%. The CME FedWatch tool has the odds at 73% of a Fed funds rate of 3.50% to 3.75% or lower by year's end The weak jobs report on Friday showed that only 22,000 new jobs were added in August Unemployment rose to 4.3% from 4.2%. The aggregate weekly payrolls index fell to 4.4% in August “We’re back in that world of uncertainty," states Art Hogan, chief market strategist at B. Riley Wealth  The Stock Market

The Jobs Report Friday Could Spark a Rally or Sell-off

By Christopher Norwood • September 2, 2025
Executive Summary The S&P 500 finished down 0.1% at 6,460.26 last week The S&P is up 9.8% on the year. Industrials and Communication Services are leading the way Personal income rose in line with expectations for July, climbing 0.4% up from 0.3% the prior month A weak payroll number on 5 September means a Fed rate cut on 17 September Unemployment is expected to rise, but it is still low relative to history Wage growth close to 4% will make it hard for inflation to fall to 2% The predictions market has the odds of a recession at 8% The ICE BofA US High Yield Index spread is near all-time lows A bear steepener is increasingly likely. A bear steepener is when the yield curve falls at the short end but rises at the long end

One of Financial Planning's Most Important Inputs is the Expected Average Inflation Rate

By Christopher Norwood • August 25, 2025
Executive Summary The S&P 500 rose 0.3% last week to close at 6466.91 The CME FedWatch tool initially raised the chances of a September rate cut to 84.7% The stock and bond markets opted to buy Fed Chairman Powell’s Friday morning speech Investors now seem certain that the Fed will start cutting again The current five-year breakeven is 2.48% The 10-year breakeven is 2.41% The core Consumer Price Index (CPI) is 3.1% Disinflation appears to be over as the inflation rate is no longer falling The St Louis Fed’s Financial Stress Index is negative 0.8153. A negative number means below-average financial market stress The real 10-year interest rate is falling. Money is getting cheaper. The Fed’s balance sheet is shrinking, but is still 22% of GDP An indebted economy can’t withstand high interest rates  The Stock Market