Sona Wealth

05/25/2026

05/20/2026

Just published: "The Bond Market Has Changed. Retirement Planning Must Too". Check it out and subscribe to get everything I'm making.

Now, with long-term Treasury yields climbing back toward levels we have not seen since before the Global Financial Crisis, investors are once again asking:

05/16/2026

05/12/2026

I just published "The Market Has Recovered. So Why Does Everything Still Feel So Bad?". Be sure to get on my list to get the next one straight to your inbox.
https://www.sonawealthadvisors.com/the-market-has-recovered-so-why-does-everything-still-feel-so-bad/

05/01/2026

Marketwatch: Here’s how 9 financial advisers are actually preparing for their own retirement

“I’m still 10 years from retirement but I’m already focused on three areas. I’m prioritizing getting in better shape, with a specific focus on mobility. I want to be physically capable of enjoying retirement, not just financially prepared for it. Like many people, I put most hobbies on hold while raising my kids. I’ve started to reintroduce them, currently playing pickleball and planning to pick golf back up in the next year or two.

I’m also starting to reconnect with my wife. Our youngest will be in college next year, so we are empty-nesters! I [also] don’t see myself fully stopping working. My plan is to work 10 to 20 hours a week doing something I enjoy, likely a smaller book of business, hourly planning or possibly some form of charitable work,” says Struthers.

Follow me or join my free newsletter (link in profile) for more actionable tips on financial planning and investing for those approaching retirement - for a healthier and happier retirement!

Mark Struthers is a Certified Retirement Counselor®, and the owner of Sona Wealth, a fee-only fiduciary financial planning firm focused on helping those with equity compensation and those nearing and entering retirement.

952-412-6002
www.SonaWealthAdvisors.com
https://www.marketwatch.com/picks/9-financial-advisers-on-how-they-are-personally-preparing-for-retirement-275d76c4

04/23/2026

Same business. Different price.

One of the overlooked parts of the HALO conversation:

International markets tend to have more HALO-like characteristics.

Less concentrated in high-growth AI and software.
More exposure to infrastructure, energy, industrials, and real assets.

Not because they’re better—
But because they’re built differently.

And right now, they’re often trading at a discount.

~22x in the U.S. vs. ~13–18x internationally (approximate, index-level).

That doesn’t guarantee outperformance.

But it does highlight something important:

Diversification isn’t just about geography.
It’s about what you actually own.

Different drivers. Different cycles. Different risks.

In a market crowded into the same trade, that still matters.