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What’s on our mind at TORTUGA FINANCIAL? You can read about here in our blog. Whether it’s ideas from the industry, emerging trends, or frequently asked questions from clients, you can find it here. And once in a while, we may throw in some fun tidbits or some other surprises. So keep checking in. We’re glad to have you reading along.


Thursday, May 23, 2024

Today we celebrate National Turtle Day, which occurs annually on May 23rd.  National Turtle Day is important because it raises awareness about the conservation and protection of turtles and their habitats.


Thursday, May 2, 2024

After a strong first quarter for stocks, some April showers rained down as the S&P 500 fell about 4% last month. Hopefully those showers will bring some flowers in May, despite the widely cited stock market adage, “Sell in May and go away."


Wednesday, April 3, 2024

The first quarter is in the books, and it was an excellent one for stocks.


Thursday, March 7, 2024

I'm embarking on a legitimate vacation in the near future and will be attempting to unplug for a few days and enjoy some one-on-one time with Zoe, currently in 9th grade.


Wednesday, March 6, 2024

As spring approaches, the weather is starting to warm up. For the stock market, the temperature has been rising for a while now.


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Thursday, February 8, 2024

Stocks are off to a solid start in 2024. January gains are particularly enjoyable because of the old adage from the Stock Trader’s Almanac, “As goes January, so goes the year.”


Friday, January 5, 2024

Stocks defied the skeptics in a very unpredictable 2023. The Dow Jones finished at an all-time record high on December 28, and the S&P 500 came within a whisker of a fresh all-time high after the index rallied more than 20% for the year.


Thursday, December 7, 2023

Solid gains for both stocks and bonds gave investors a November to remember. As financial markets continue to defy skeptics, I’m reminded of a quote from Warren Buffett’s long-time partner.


Wednesday, November 1, 2023

The penultimate month of the year is often a time to reflect and offer thanks. And while economic and geopolitical uncertainty can overshadow the positives, there are things to be thankful for.


Monday, October 30, 2023

If you were ever wondering about the concept of a checklist and how it began, then we can enlighten you. The story starts with the Boeing B-17, also known as the 'Flying Fortress', a four-engine heavy bomber developed in the 1930s for the U


Thursday, October 5, 2023

The S&P 500 lost 3.3% in the third quarter after sliding nearly 5% in September. Putting this into perspective, nothing really qualifies as out of the ordinary.


Friday, September 8, 2023

Financial markets lived up to their reputation during the month of August, which has a record for being difficult.


Thursday, August 31, 2023

Today marks our 13-year anniversary affiliated with LPL Financial. 


Tuesday, August 8, 2023

Making economic forecasts and stock market predictions can be humbling. It’s especially tough when you expect stocks to go higher and get a big drop instead.


Thursday, July 6, 2023

As we finalize the log on the first six months of 2023, we believe there’s value in reflecting on recent months gone by. Doing so can help crystallize key learnings and help chart a course through the rest of the year. Looking...


Thursday, June 8, 2023

June 7, 2023Dear Valued Client,Every so often Washington likes to remind us how hard it can be to get things accomplished. The most recent example is the debt ceiling—the amount Congress can borrow to pay its bills. It seems like...


Thursday, May 4, 2023

Spring is often thought of as an uplifting time, marked by growth and renewed hope as we emerge from the long months of winter and look ahead to the rest of year.


Wednesday, April 5, 2023

The financial markets’ resilient performance during March was striking, despite pockets of uncertainty surrounding the strength of the economy—and not to mention concerns over the durability of the banking system.


Thursday, March 16, 2023

LPL Financial’s Chief Investment Officer wrote a letter explaining last week’s bank issues.  Please see below:


Monday, March 13, 2023

We will have limited availability starting Monday, March 20, 2023 through Tuesday, March 28, 2023.  The office will be open and fully staffed on Wednesday, March 29, 2023.


Friday, March 3, 2023

This week has marked an important milestone for our company.


Thursday, March 2, 2023

Financial markets have experienced quite a bit of change this year in just two short months.


Wednesday, February 1, 2023

Whether you’re one to set ambitious New Year’s resolutions or simply use the beginning of the year to reset on a few habits, there’s almost always some value in reflecting on the past year before looking ahead.


Friday, January 13, 2023

Here’s a summary of Secure 2.0 passed by Congress and changes the IRS made to contribution limits for 2023.  If you like robust reading packed with financial details, then this is for you and you can contact us if you have any questions. 


Monday, January 9, 2023

January 4, 2023 The beginning of a calendar year is often the time when the previous year’s reflections transition to a new year’s hopes. Given the market’s continued instability during 2022 and a resulting tough period for stock and bond


Wednesday, December 7, 2022

Through all the challenges, newfound opportunities, and every high and low we’ve experienced during the last couple of years, it’s no surprise why we might be striving for more balance.


Thursday, November 3, 2022

October is now behind us and it has delivered on its track record as a historically favorable month for stocks, offering some respite for investors as major equity indices rose for the month.


Thursday, October 6, 2022

First, we want to acknowledge the tremendous damage and displacement caused by Hurricane Ian. Our thoughts are with those impacted by this devastating storm.


Tuesday, October 4, 2022

This year’s financial market volatility has been repugnant to say the least.  We’ve seen unprecedented declines in both the stock and bond markets, with little place to hide. 


Thursday, September 8, 2022

Dear Valued Clients, Here’s a summary of current financial talking points gathered by LPL Financial Research. If you like robust reading packed with financial data, then this is for you. If not, click elsewhere...


Monday, August 8, 2022

While on a recent business development trip, I was thrilled to find an elusive watermelon radish in a dinner salad. Seeing and consuming this bitter treat brought me great joy.  Why?  It’s simple.  They are...


Thursday, July 14, 2022

Dear Valued Investor,Markets rarely give us clear skies, and there are always threats to watch for on the horizon. But the right preparation, context, and support can help us navigate what lies ahead. So far, this year hasn’t...


Thursday, July 7, 2022

To our Valued Clients,As the calendar has turned to July, investors would certainly like to forget the first six months of 2022. However, the Fourth of July Independence Day holiday does bring with it reason for celebration. Not only...


Friday, June 3, 2022

The bull market that began in March of 2020 came dangerously close to an end. From March 23, 2020 through January 3, 2022, the S&P 500 Index gained 114% (excluding dividends). From that January 3 closing high through the recent low on...


Monday, May 9, 2022


Wednesday, April 27, 2022


Thursday, March 17, 2022


Monday, March 7, 2022


Friday, February 25, 2022


Thursday, February 3, 2022


Tuesday, January 25, 2022


Wednesday, January 12, 2022


Monday, December 6, 2021


Thursday, November 11, 2021

To our valued clients: The past year and a half have tested all of us, but overall, the economy continues to strengthen, COVID-19 trends are greatly improving, and this still relatively young bull market is alive and well. As the...


Tuesday, October 12, 2021

To our valued clients: One constant in life is change. During the past year and a half, we have experienced more change than any of us bargained for. Change is disruptive—but also brings opportunities. For investors right now,...


Tuesday, September 7, 2021

To our valued clients: The bull market continues, with the S&P 500 Index now up seven months in a row. Stocks have impressively gained 20% year-to-date, with the S&P 500 making 53 new all-time highs before the end of...


Friday, August 6, 2021

To our valued clients, Six months and counting. That is the current monthly winning streak for the S&P 500 Index. To take that a step further, this key equity benchmark has posted gains in 13 of the last 16 months—dating back to...


Friday, July 9, 2021

To our valued clients, In the first half of 2021, the U.S. economy powered forward faster than nearly anyone had expected. Speed can be exhilarating, but it can also be dangerous. In our view, the overall economic picture remains sound...


Tuesday, June 8, 2021

To our valued clients, As we move into June, a path to normalcy is coming quickly with stadiums allowing full capacity, restaurants filling up, and summer vacations in full swing. Meanwhile, the U.S. economy continues to recover...


Thursday, May 20, 2021

To Our Valued Clients: We will have limited availability Thursday May 27, 2021 through Tuesday June 1, 2021, and will be back in office on Wednesday June 2, 2021. If you should need any financial transactions executed, please let us...


Tuesday, May 11, 2021

To our valued clients, As the calendar has turned to May, the popular “Sell in May and Go Away” stock market cliché is getting a lot of airtime. This is the idea that the stock market tends to be weakest between May...


Friday, April 9, 2021

“The real key to making money in stocks is not to get scared out of them.” Peter Lynch They say April showers bring May flowers. Well, after a lot of showers and storms over the past year, flowers are starting to bloom and...


Thursday, March 4, 2021

March 4, 2021 It’s now been over a year since COVID-19 first hit American shores. While the pandemic has affected everyone to varying degrees, we can all agree that everyone’s life is different today than it was a year ago....


Tuesday, February 9, 2021

February 9, 2021 “In the short-term, the market is a popularity contest. In the long-term, the market is a weighing machine.” Warren Buffett 2021 is under way, as our nation and the rest of the world look to begin to put...


Thursday, January 7, 2021

January 7, 2021 Happy New Year! A new year offers a welcomed turn of the calendar and a fresh start. However, it’s difficult to put 2020 completely behind us just yet because the COVID-19 pandemic still presents a significant...


Thursday, December 3, 2020

To our valued clients, this letter is prepared by LPL to keep you updated and informed with the current market and economy. Mike Maynes and Kim Summas As 2020 comes to a close, we are already looking forward to a new year—and to...


Wednesday, November 11, 2020

To our valued clients, this letter is prepared by LPL to keep you updated and informed with the current market and economy. Mike Maynes and Kim Summas Former Vice President Joe Biden has been elected the 46th President of the United...


Monday, October 5, 2020

To our valued clients, this letter is prepared by LPL to keep you updated and informed with the current market and economy. Mike Maynes and Kim Summas Autumn has arrived, with students back in school, baseball playoffs beginning, and...


Tuesday, September 8, 2020

September 8, 2020, To our valued clients, this letter is prepared by LPL to keep you updated and informed with the current market and economy. Mike Maynes and Kim Summas Back to school this year will be different. On the one hand, like...


Thursday, March 5, 2020

February 28, 2020 To our valued clients. This letter was prepared by LPL to address the recent events. “The stock market takes an escalator up, and an elevator down,” is a classic Wall Street saying. The last week has sure...


Thursday, February 13, 2020

February 6, 2020 To our valued clients: The start of 2020 has brought increased stock market volatility. The uncharacteristically calm market environment we experienced for much of the past four months was bound to end, but identifying...


Monday, January 13, 2020

Dear Clients, Like many of you, I have the desire to travel and see world, one incredible journey at a time. In recent years, I’ve spent many hours researching airline award charts, as well as following several internet...


Tuesday, December 31, 2019

To Our Valued Clients, Outlook 2020 offers investments insights and market guidance through the end of 2020. If you would like a hard copy or PDF please contact us at Hindsight is 20/20, but finding clarity in future...


Tuesday, November 26, 2019

We wish you and your family an exceptional Thanksgiving holiday. We also would like to say "thanks" for a great relationship. Sincerely, Mike and Kim


Monday, November 18, 2019

November 12, 2019 To Our Valued Clients, please find the November client letter prepared by LPL to keep you updated and informed with the current market and economy. Sincerely, Mike and Kim Turning the calendar from October to November...


Friday, October 4, 2019

October 4, 2019 Dear Valued Investor: Summer has turned to fall, and there’s already a little chill in the air. Three-quarters of the year is behind us now, and both stock and bond markets have had a strong year so far, although...


Friday, August 30, 2019

Dear Valued Clients & Friends, We have implemented our Hurricane Plan effective immediately. Before, during, and after the storm, our virtual receptionist will be answering our office calls from 8:00AM to 8:00PM Eastern Standard Time....


Thursday, August 15, 2019

Below is the June letter prepared by LPL to keep you updated and informed with the current market and economy. Sincerely, Mike and Kim


Wednesday, July 17, 2019

July 15, 2019 To Our Valued Clients: Below is the July letter prepared by LPL to keep you updated and informed with the current market and economy. Sincerely, Mike and Kim U.S. leadership on the world stage remains in focus. We...


Thursday, June 20, 2019

To Our Valued Clients: We will have limited availability the week of July 1st through July 5th and will be back in office on Monday July 8th. Should you need anything during this time please email us at either or...


Monday, June 10, 2019

To Our Valued Clients: Below is the June letter prepared by LPL to keep you updated and informed with the current market and economy. Sincerely, Mike and Kim Trade tensions have interrupted an unusually calm year in U.S. stocks. In May...


Friday, May 10, 2019

Dear Valued Investor: If it seems like the financial markets have been off to an unusually strong start to the year—you are correct. The S&P 500 Index has risen for four consecutive months, resulting in the strongest start to a...


Tuesday, April 9, 2019

Dear Clients, This is a letter prepared by LPL to help you understand what is going on in the markets and with the economy. Sincerely, Mike and Kim


Wednesday, March 13, 2019

Dear Valued Investor: The S&P 500 Index has staged an impressive rally after nearly entering a bear market December 24, with U.S. stocks notching their best start to a year since 1991. Stocks have climbed the “wall of...


Friday, August 31, 2018

Today marks our 8 year anniversary LPL Financial affiliation. There are so many things that have shaped the last eight years of my practice. Please take a look below of what we've learned, what we've done, and how we are improving our...


Friday, August 10, 2018

At Maynes IM, we are always looking for ways to improve the client experience and recently we invested in a tool that makes our tails wag furiously. The tool is called Redtail. Redtail is software which provides us the ability to...


Friday, July 13, 2018

All too often, we have seen first-hand clients who are going through or have recently gone through a challenging divorce. Helping them organize their newly-single financial situation and ultimately charting a course for retirement is...


Friday, June 1, 2018

FOMO = Fear Of Missing Out From time to time we are asked about “hot” investments. They come in many forms, such as trendy stocks, new industries, commodities, or even currency. Clients are looking for the green light to...


Friday, May 11, 2018

A look at the potential of compounding and early, steady investing. Time may be the greatest asset for the young investor. While some people may frantically try to catch up onretirement saving after age 50, you have the chance to...


Tuesday, February 6, 2018

"Why should I choose a CFP® (Certified Financial Planner) and how can they help me?” Although many professionals call themselves "financial planners", Certified Financial Planner™ professionals have completed extensive...


Tuesday, January 30, 2018

5 Key Facts About the New Tax Bill __________ The enactment of the Tax Cuts and Jobs Act (TCJA) represents “the most sweeping overhaul of the U.S. tax code in more than 30 years.”1 For millions of Americans and businesses...


Friday, January 12, 2018

One of the most frequent questions we are asked by clients approaching retirement is, “How do I take retirement income and where should it come from?” It’s an extremely common question and let me tell you why. In the...