Client letters
Every quarter we write to clients about what we did in their accounts and why. The same letters, published here.
Q3 2026
Third quarter 2026: rates, rebalancing and the year-end list
What changed in the bond ladders this quarter, why we rebalanced two model portfolios, and the checklist for December.
Q2 2026
Second quarter 2026: what a flat quarter still asks of you
A quiet quarter for markets is a busy one for planning. Roth conversion windows, Medicare premiums and a note on cash.
Q1 2026
First quarter 2026: the tax letter and what we learned from it
The most common surprise on this year's returns, and how we plan to catch it earlier next year.
Q4 2025
Fourth quarter 2025: a year of fewer trades
We placed fewer trades in 2025 than any year since we opened. Here is why that was on purpose.
Q3 2025
Third quarter 2025: bond ladders and certificates of deposit
How we build ladders from Treasuries and CDs, and what we do when one rung matures.
Q2 2025
Second quarter 2025: on reading the news less
Three questions to ask before any headline changes your plan.
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Fee-only financial planning and investment management for families and business owners.
214 Monroe Street, Madison, Wisconsin 53711
Fairwood Wealth LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. Nothing on this site is an offer to buy or sell a security or personal advice for your situation. Investing involves risk, including the loss of principal. Projections are hypothetical, are not guarantees and do not reflect actual results. Read our Form ADV Part 2A and Form CRS on the disclosures page before you hire us.
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