The Strait of Hormuz is a narrow, 21-mile-wide stretch of water in the Middle East. History tells us its name comes from the ancient Persian god of wisdom and order.

This financial wellness quarterly newsletter contains a market and economic snapshot, along with informational articles on a variety of financial planning and financial wellness topics.

The New Jersey Alternate Benefit Program (“NJ ABP”) is a defined contribution retirement plan that is offered to physicians and professors employed by Rutgers University in New Brunswick and Newark NJ. There are unique features, rules, investment providers, and investment options that are offered through the NJ ABP that faculty can take advantage of.

It was 7 pm this past Sunday when our plane began its approach into Cleveland. The sky outside was dark and cold, with a wintry mix streaking past the window.

Most people have never heard of John Boyd, even though he was one of the greatest fighter pilots in U.S. history. His nickname was “40-Second Boyd” because he could beat any opponent in a dogfight in less than 40 seconds.

At this point, it is clear that artificial intelligence is dramatically reducing the cost of producing code. Tasks that once required large engineering teams can now be accomplished faster, cheaper, and at greater scale — often by a single developer using AI tools.