Economic AnalysisJanuary 2026
Comprehensive analysis of Federal Reserve policy trajectory and implications for retirement portfolios in the coming year.
Key Findings:- Fed likely to cut rates 2-3 times in 2026, but inflation remains sticky
- Real rates expected to impact savings account yields
- Treasury market volatility expected to increase
BankingDecember 2025
High-Yield Savings Account Industry Report: Rates, Fees & Consumer Experience
Analysis of the online banking industry, examining APY trends, fee structures, and customer satisfaction across 40 institutions.
Key Findings:- Average online savings APY reached 4.85% in late 2025
- Traditional banks offer 10x lower rates than online-only banks
- Fee transparency varies significantly by institution
Retirement PlanningNovember 2025
Americans & Retirement Confidence: Q4 2025 Survey
Quarterly survey tracking retirement confidence, savings behavior, and concerns among pre-retirees and retirees.
Key Findings:- Only 38% feel "confident" about retirement savings
- Healthcare costs are the #1 retirement concern
- Interest in diversified retirement portfolios up 15% year-over-year
Credit & DebtOctober 2025
Credit Card Rewards Optimization: Consumer Behavior Study
Research on how Americans use credit card rewards, redemption patterns, and the true value consumers extract from rewards programs.
Key Findings:- 47% of rewards points expire unused annually
- Average household leaves $300+/year in rewards on the table
- Cash back is preferred 2:1 over travel rewards