Impact Fiduciary LLC

07/30/2026

𝗪𝗶𝗻𝘁𝗲𝗿 𝗶𝘀 𝗖𝗼𝗺𝗶𝗻𝗴
Written by Patrick Dinan, CFP®, CSRIC®

"Winter is Coming" is the tagline from one of my favorite shows of the past decade, Game of Thrones, and it's a good metaphor for market corrections. If a downturn is at least partially expected, it tends to hurt less when it finally arrives.

As a participant in the market, it is always wise to mentally prepare yourself for “winter” or a bear market defined as a 20% decline or more at any point. These moves tend to happen once every four years on average while 10% corrections happen almost every year.

How is Impact Fiduciary positioned? We are focusing on what has worked historically, which is not trying to guess what's going to happen in the short run. Instead, we're sticking to a sustainable, diversified, and well-thought-out approach that gives us exposure to all segments of the publicly traded market globally.

One of the biggest threats that may not be fully priced in yet is inflation. High oil prices tend to feed into inflation with a lag of a few months. The market hates inflation because it forces the Federal Reserve to raise interest rates, making borrowing more expensive across the board. Unfortunately, the economy isn't yet decoupled from its dependence on fossil fuels, even though cleaner alternatives are increasingly abundant. That's just the world that we live in right now.



𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺. 𝘕𝘰𝘵𝘩𝘪𝘯𝘨 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘦 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦𝘴 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦, 𝘢 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯 𝘧𝘰𝘳 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘦 𝘰𝘳 𝘴𝘢𝘭𝘦 𝘰𝘧 𝘢𝘯𝘺 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘺, 𝘰𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. 𝘐 𝘦𝘯𝘤𝘰𝘶𝘳𝘢𝘨𝘦 𝘺𝘰𝘶 𝘵𝘰 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘦𝘳, 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘢𝘯𝘵, 𝘢𝘯𝘥/𝘰𝘳 𝘭𝘦𝘨𝘢𝘭 𝘤𝘰𝘶𝘯𝘴𝘦𝘭 𝘧𝘰𝘳 𝘢𝘥𝘷𝘪𝘤𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘙𝘦𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘪𝘰𝘯 𝘰𝘧 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘪𝘴 𝘱𝘳𝘰𝘩𝘪𝘣𝘪𝘵𝘦𝘥 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘸𝘳𝘪𝘵𝘵𝘦𝘯 𝘱𝘦𝘳𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘧𝘳𝘰𝘮 𝘗𝘢𝘵𝘳𝘪𝘤𝘬 𝘋𝘪𝘯𝘢𝘯, 𝘢𝘯𝘥 𝘢𝘭𝘭 𝘳𝘪𝘨𝘩𝘵𝘴 𝘢𝘳𝘦 𝘳𝘦𝘴𝘦𝘳𝘷𝘦𝘥.

07/22/2026

𝗚𝗼 𝗘𝗹𝗲𝗰𝘁𝗿𝗶𝗰!
Written by Patrick Dinan, CFP®, CSRIC®

The upshot is that more people are doing the math on electric vehicles, and the numbers are compelling. In California, where gas has climbed to $6 or $7 a gallon, you can charge an EV at night for the equivalent of roughly $3.50 a gallon. In many other states the economics are even better, closer to $1.00 to $1.50 per gallon equivalent. The savings are substantial, it helps fight climate change, and it makes your local air measurably cleaner.

If you're thinking about making the switch, there's no better time. Pretty much everyone I know who has gone electric has never looked back. The vehicles keep getting better and the prices keep coming down, as tends to happen with any maturing technology.
There's also the maintenance angle. EVs simply don't break the way combustion engines do. An electric motor has roughly 20 moving parts while a gas engine has over two-thousand parts. Fewer parts means less can go wrong.

So my personal financial advice for this quarter is to go electric! We have two EVs at home and love both of them. And you can feel a bit smug the next time you drive past the gas station.



𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺. 𝘕𝘰𝘵𝘩𝘪𝘯𝘨 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘦 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦𝘴 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦, 𝘢 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯 𝘧𝘰𝘳 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘦 𝘰𝘳 𝘴𝘢𝘭𝘦 𝘰𝘧 𝘢𝘯𝘺 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘺, 𝘰𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. 𝘐 𝘦𝘯𝘤𝘰𝘶𝘳𝘢𝘨𝘦 𝘺𝘰𝘶 𝘵𝘰 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘦𝘳, 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘢𝘯𝘵, 𝘢𝘯𝘥/𝘰𝘳 𝘭𝘦𝘨𝘢𝘭 𝘤𝘰𝘶𝘯𝘴𝘦𝘭 𝘧𝘰𝘳 𝘢𝘥𝘷𝘪𝘤𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘙𝘦𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘪𝘰𝘯 𝘰𝘧 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘪𝘴 𝘱𝘳𝘰𝘩𝘪𝘣𝘪𝘵𝘦𝘥 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘸𝘳𝘪𝘵𝘵𝘦𝘯 𝘱𝘦𝘳𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘧𝘳𝘰𝘮 𝘗𝘢𝘵𝘳𝘪𝘤𝘬 𝘋𝘪𝘯𝘢𝘯, 𝘢𝘯𝘥 𝘢𝘭𝘭 𝘳𝘪𝘨𝘩𝘵𝘴 𝘢𝘳𝘦 𝘳𝘦𝘴𝘦𝘳𝘷𝘦𝘥.

07/10/2026

𝗜𝗺𝗽𝗮𝗰𝘁 𝗨𝗽𝗱𝗮𝘁𝗲: 𝗗𝗼𝗻’𝘁 𝗟𝗼𝗼𝗸 𝗗𝗼𝘄𝗻
Written by Patrick Dinan, CFP®, CSRIC®

Is the market like Wile E. Coyote, who has run off a cliff but hasn't looked down yet? Or is it priced to perfection, knowing that $90 plus oil won't last and the Strait of Hormuz will be opened sooner than the media is letting on? Hard to say.
This year has seen sharp swings in the market. With the exception of software companies declining, the year started mostly strong until the Iranian war kicked off. We then saw international markets, which are largely dependent on Mideast oil, get hit fairly hard and in a matter of weeks declined by over 10%.
The market bottomed out in late March as the US entered a fragile ceasefire with Iran. The global market then rallied hard from April to May up over 14%, which is a move that has happened less than 1% of the time on a historical basis.
What happened to cause such a sharp reversal? Earnings. Over 84% of S&P 500 companies beat analyst estimates for the quarter and the market repriced stocks to the upside. Despite all of the chaos in the middle east, corporate earnings proved strong enough to outweigh every other headwind.
This follows a similar pattern to last year during the Trump Tariff tantrum. We saw a sudden drop followed by a swift snapback when Trump said he was just kidding about most of the tariffs. This shows you that trying to time the market can be a fool's errand, and sometimes the market does what everybody least expects.
Will this forward momentum continue indefinitely? Probably not. Over the past couple of weeks we have started to see some cracks with the market down about 3% from it’s peak and increased volatility. This could certainly be the opening salvo in the downturn. Should you be worried? No. Pullbacks are completely normal and healthy in a well-functioning market.

𝗥𝗲𝗮𝗱 𝗼𝘂𝗿 𝗳𝘂𝗹𝗹 𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 𝗵𝗲𝗿𝗲 → https://www.impactfiduciary.com/blog/2026/5/1/dont-look-down


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𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺. 𝘕𝘰𝘵𝘩𝘪𝘯𝘨 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘦 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦𝘴 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦, 𝘢 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯 𝘧𝘰𝘳 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘦 𝘰𝘳 𝘴𝘢𝘭𝘦 𝘰𝘧 𝘢𝘯𝘺 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘺, 𝘰𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. 𝘐 𝘦𝘯𝘤𝘰𝘶𝘳𝘢𝘨𝘦 𝘺𝘰𝘶 𝘵𝘰 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘦𝘳, 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘢𝘯𝘵, 𝘢𝘯𝘥/𝘰𝘳 𝘭𝘦𝘨𝘢𝘭 𝘤𝘰𝘶𝘯𝘴𝘦𝘭 𝘧𝘰𝘳 𝘢𝘥𝘷𝘪𝘤𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘙𝘦𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘪𝘰𝘯 𝘰𝘧 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘪𝘴 𝘱𝘳𝘰𝘩𝘪𝘣𝘪𝘵𝘦𝘥 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘸𝘳𝘪𝘵𝘵𝘦𝘯 𝘱𝘦𝘳𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘧𝘳𝘰𝘮 𝘗𝘢𝘵𝘳𝘪𝘤𝘬 𝘋𝘪𝘯𝘢𝘯, 𝘢𝘯𝘥 𝘢𝘭𝘭 𝘳𝘪𝘨𝘩𝘵𝘴 𝘢𝘳𝘦 𝘳𝘦𝘴𝘦𝘳𝘷𝘦𝘥.

07/07/2026

We are thrilled to welcome Rachel Strong to Impact Fiduciary!

Rachel started with us just a couple of months ago and is leading our client service experience.

Rachel is a career changer and recently graduated from Texas A&M with a minor in financial planning. Prior to entering the world of finance, she managed a senior living facility, which gave her a deep appreciation for caring for others and plenty of experience troubleshooting along the way.

Rachel lives in Caldwell, Texas with her two children. She is an animal lover who keeps chickens, ducks, cats, and a Boston Terrier named Chet. In her free time she enjoys skiing and visiting national parks.

Rachel is another resource for you at Impact Fiduciary.

06/30/2026

Life has a habit of throwing twists and turns our way.
But a winding road shouldn't stall your financial progress.

In our latest video, our founder Patrick Dinan lends his voice to a quick reminder that no matter what changes, you don't have to figure out the map alone. We're here to help you navigate the shifts and keep you moving forward through anything.

Watch the full clip below👇


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𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺. 𝘕𝘰𝘵𝘩𝘪𝘯𝘨 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘦 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦𝘴 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦, 𝘢 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯 𝘧𝘰𝘳 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘦 𝘰𝘳 𝘴𝘢𝘭𝘦 𝘰𝘧 𝘢𝘯𝘺 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘺, 𝘰𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. 𝘐 𝘦𝘯𝘤𝘰𝘶𝘳𝘢𝘨𝘦 𝘺𝘰𝘶 𝘵𝘰 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘦𝘳, 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘢𝘯𝘵, 𝘢𝘯𝘥/𝘰𝘳 𝘭𝘦𝘨𝘢𝘭 𝘤𝘰𝘶𝘯𝘴𝘦𝘭 𝘧𝘰𝘳 𝘢𝘥𝘷𝘪𝘤𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘙𝘦𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘪𝘰𝘯 𝘰𝘧 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘪𝘴 𝘱𝘳𝘰𝘩𝘪𝘣𝘪𝘵𝘦𝘥 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘸𝘳𝘪𝘵𝘵𝘦𝘯 𝘱𝘦𝘳𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘧𝘳𝘰𝘮 𝘗𝘢𝘵𝘳𝘪𝘤𝘬 𝘋𝘪𝘯𝘢𝘯, 𝘢𝘯𝘥 𝘢𝘭𝘭 𝘳𝘪𝘨𝘩𝘵𝘴 𝘢𝘳𝘦 𝘳𝘦𝘴𝘦𝘳𝘷𝘦𝘥.

06/16/2026

https://www.linkedin.com/pulse/impact-update-dont-look-down-impact-fiduciary-jkghc

Is the market like Wile E. Coyote, who has run off a cliff but hasn't looked down yet? Or is it priced to perfection, knowing that $90 plus oil won't last and the Strait of Hormuz will be opened sooner than the media is letting on? Hard to say.

06/02/2026

The old way of managing cash flow was exhaustive:
tracking every latte, categorizing every purchase, and running complex monthly deep dives. We were taught that control means constant vigilance.

It's time to completely flip that script.

The goal isn't to become a cash flow expert; the goal is to never have to worry about cash flow again.
We move beyond the analytical grind of traditional planning and focus on the power of 𝗳𝗿𝗶𝗰𝘁𝗶𝗼𝗻𝗹𝗲𝘀𝘀 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗼𝗻:

𝗔𝘂𝘁𝗼𝗺𝗮𝘁𝗲𝗱 𝗜𝗻𝗳𝗹𝗼𝘄: Structuring distribution so money flows precisely where it needs to go, instantly.
𝗦𝗲𝘁-𝗜𝘁-𝗮𝗻𝗱-𝗙𝗼𝗿𝗴𝗲𝘁-𝗜𝘁 𝗦𝗮𝘃𝗶𝗻𝗴𝘀: Creating invisible rules that build wealth without you lifting a finger.
𝗙𝗿𝗶𝗰𝘁𝗶𝗼𝗻𝗹𝗲𝘀𝘀 𝗦𝗽𝗲𝗻𝗱𝗶𝗻𝗴: Eliminating manual tracking so you can spend guilt-free.
𝗠𝗼𝗻𝗶𝘁𝗼𝗿𝗶𝗻𝗴 𝗯𝘆 𝗘𝘅𝗰𝗲𝗽𝘁𝗶𝗼𝗻: Only engaging with your numbers when a rare anomaly occurs, not on a schedule.

Let the systems do the heavy lifting so you can reclaim your time and energy.


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𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺. 𝘕𝘰𝘵𝘩𝘪𝘯𝘨 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘦 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦𝘴 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦, 𝘢 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯 𝘧𝘰𝘳 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘦 𝘰𝘳 𝘴𝘢𝘭𝘦 𝘰𝘧 𝘢𝘯𝘺 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘺, 𝘰𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. 𝘐 𝘦𝘯𝘤𝘰𝘶𝘳𝘢𝘨𝘦 𝘺𝘰𝘶 𝘵𝘰 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘦𝘳, 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘢𝘯𝘵, 𝘢𝘯𝘥/𝘰𝘳 𝘭𝘦𝘨𝘢𝘭 𝘤𝘰𝘶𝘯𝘴𝘦𝘭 𝘧𝘰𝘳 𝘢𝘥𝘷𝘪𝘤𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘙𝘦𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘪𝘰𝘯 𝘰𝘧 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘪𝘴 𝘱𝘳𝘰𝘩𝘪𝘣𝘪𝘵𝘦𝘥 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘸𝘳𝘪𝘵𝘵𝘦𝘯 𝘱𝘦𝘳𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘧𝘳𝘰𝘮 𝘗𝘢𝘵𝘳𝘪𝘤𝘬 𝘋𝘪𝘯𝘢𝘯, 𝘢𝘯𝘥 𝘢𝘭𝘭 𝘳𝘪𝘨𝘩𝘵𝘴 𝘢𝘳𝘦 𝘳𝘦𝘴𝘦𝘳𝘷𝘦𝘥.

05/30/2026

Summer is just around the corner! 🌞

As we head into the summer months and the pace begins to shift, it feels like the perfect time to step back and focus on the big picture.

True financial planning isn't just about managing numbers—it’s about funding the life that brings you joy.

𝗪𝗵𝗮𝘁 𝗯𝗿𝗶𝗻𝗴𝘀 𝘆𝗼𝘂 𝗷𝗼𝘆?


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𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺. 𝘕𝘰𝘵𝘩𝘪𝘯𝘨 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘦 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦𝘴 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦, 𝘢 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯 𝘧𝘰𝘳 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘦 𝘰𝘳 𝘴𝘢𝘭𝘦 𝘰𝘧 𝘢𝘯𝘺 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘺, 𝘰𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. 𝘐 𝘦𝘯𝘤𝘰𝘶𝘳𝘢𝘨𝘦 𝘺𝘰𝘶 𝘵𝘰 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘦𝘳, 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘢𝘯𝘵, 𝘢𝘯𝘥/𝘰𝘳 𝘭𝘦𝘨𝘢𝘭 𝘤𝘰𝘶𝘯𝘴𝘦𝘭 𝘧𝘰𝘳 𝘢𝘥𝘷𝘪𝘤𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘙𝘦𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘪𝘰𝘯 𝘰𝘧 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘪𝘴 𝘱𝘳𝘰𝘩𝘪𝘣𝘪𝘵𝘦𝘥 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘸𝘳𝘪𝘵𝘵𝘦𝘯 𝘱𝘦𝘳𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘧𝘳𝘰𝘮 𝘗𝘢𝘵𝘳𝘪𝘤𝘬 𝘋𝘪𝘯𝘢𝘯, 𝘢𝘯𝘥 𝘢𝘭𝘭 𝘳𝘪𝘨𝘩𝘵𝘴 𝘢𝘳𝘦 𝘳𝘦𝘴𝘦𝘳𝘷𝘦𝘥.

05/07/2026

𝐁𝐫𝐢𝐧𝐠𝐢𝐧𝐠 𝐭𝐡𝐞 𝐦𝐢𝐬𝐬𝐢𝐨𝐧 𝐭𝐨 𝐥𝐢𝐟𝐞.

We’re hard at work on some new video content for Impact Fiduciary. Spent the day in the studio with Patrick Dinan, CFP®, CSRIC® , founder of Impact Fiduciary, and sound designer Christy Greenwood recording voice-over for an upcoming video series. Here’s a little sneak peek at our recording session.

Can’t wait to share the finished product with you all soon!

04/16/2026

𝐁𝐮𝐲 𝐭𝐡𝐞 𝐇𝐚𝐲𝐬𝐭𝐚𝐜𝐤
Written by Patrick Dinan, CFP®, CSRIC®

When it comes to investing, there will always be winners and losers. Instead of trying to find the single needle in the haystack, we believe it is more effective to buy the entire haystack.
Our sustainable index funds provide exposure to roughly two thousand companies around the world. We cannot predict the next NVIDIA or Apple, but there is a good chance the next breakthrough company is already in the portfolio.

This diversification also helps during periods of disruption. For example, the technology software index recently fell more than 30 percent in just a few months due to fears around AI. At the same time other sectors of the market began outperforming as capital rotated elsewhere.
This is one reason why chasing whatever has worked most recently can backfire. If an investor simply bought the best performing sector over the past few years, they would likely have ended up with a very concentrated position in tech companies.

The same lesson applies to company stock. We regularly work with clients who have accumulated large positions in their employer’s stock. Even companies that appear nearly invincible can decline dramatically. We’ve just seen recent examples of “bulletproof” companies that have lost more than half their value in a relatively short period of time.

𝗥𝗲𝗮𝗱 𝗼𝘂𝗿 𝗳𝘂𝗹𝗹 𝗠𝗮𝗿𝗸𝗲𝘁 𝗨𝗽𝗱𝗮𝘁𝗲 𝗵𝗲𝗿𝗲 → https://www.impactfiduciary.com/blog/2026/2/23/impact-market-update



𝘋𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘪𝘭𝘭𝘶𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺. 𝘕𝘰𝘵𝘩𝘪𝘯𝘨 𝘤𝘰𝘯𝘵𝘢𝘪𝘯𝘦𝘥 𝘪𝘯 𝘵𝘩𝘦 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦𝘴 𝘵𝘢𝘹 𝘢𝘥𝘷𝘪𝘤𝘦, 𝘢 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯 𝘧𝘰𝘳 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘦 𝘰𝘳 𝘴𝘢𝘭𝘦 𝘰𝘧 𝘢𝘯𝘺 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘺, 𝘰𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘰𝘳𝘺 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴. 𝘐 𝘦𝘯𝘤𝘰𝘶𝘳𝘢𝘨𝘦 𝘺𝘰𝘶 𝘵𝘰 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘦𝘳, 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘢𝘯𝘵, 𝘢𝘯𝘥/𝘰𝘳 𝘭𝘦𝘨𝘢𝘭 𝘤𝘰𝘶𝘯𝘴𝘦𝘭 𝘧𝘰𝘳 𝘢𝘥𝘷𝘪𝘤𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘙𝘦𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘪𝘰𝘯 𝘰𝘧 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘪𝘴 𝘱𝘳𝘰𝘩𝘪𝘣𝘪𝘵𝘦𝘥 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘸𝘳𝘪𝘵𝘵𝘦𝘯 𝘱𝘦𝘳𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘧𝘳𝘰𝘮 𝘗𝘢𝘵𝘳𝘪𝘤𝘬 𝘋𝘪𝘯𝘢𝘯, 𝘢𝘯𝘥 𝘢𝘭𝘭 𝘳𝘪𝘨𝘩𝘵𝘴 𝘢𝘳𝘦 𝘳𝘦𝘴𝘦𝘳𝘷𝘦𝘥.