Market Commentary
After a strong year in 2014, U.S. stocks experienced a sharp decline in January, as both large and small company stocks lost over 3%. Lower oil prices were not enough to overcome a Q4 GDP print that was below expectations and the negative impact of a strong dollar on earnings of U.S. multinationals. International stocks proved to be more resilient, with both developed and emerging market companies responding favorably to the announcement by the European Central Bank of a bond‐buying stimulus plan. Treasury yields fell further, defying general expectations and providing
a market backdrop that allowed intermediate bonds to return over 2%.

They say that love is lovelier the second time around. But for many individuals, remarriage later in life can create some unique estate planning issues.