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# Compass Financial Management, LLC

Financial Planning and Wealth Management

## Sitemaps

- [XML Sitemap](https://compassfmllc.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [When the Exit Ramp Never Came: What Government Policy Means for Your Portfolio Right Now](https://compassfmllc.com/when-the-exit-ramp-never-came-what-government-policy-means-for-your-portfolio-right-now/) - I have been on the air since the turn of the century warning people about the financial terrain of this country. I was hoping for an exit ramp, and I have to admit, I was wrong.
- [The Real Jobs Killer Is Not AI: It Is America's National Debt](https://compassfmllc.com/the-real-jobs-killer-is-not-ai-it-is-americas-national-debt/) - Everyone is blaming AI for the coming jobs apocalypse, but I am here to tell you the real threat is something both parties have been building for decades. The national debt and its crowding out effect on private capital is a slow-motion economic catastrophe that almost nobody in the mainstream is talking about.
- [The Great Affordability Wars of 2026: What the Numbers Actually Tell You](https://compassfmllc.com/the-great-affordability-wars-of-2026-what-the-numbers-actually-tell-you/) - Grocery prices, housing, energy, insurance, and healthcare have all skyrocketed over the past two decades, and no amount of political spin changes the math. I am breaking down the real numbers so you can see exactly how much purchasing power you have lost.
- [When Politics Becomes a Religion: What the Socialism Debate Means for Your Financial Future](https://compassfmllc.com/when-politics-becomes-a-religion-what-the-socialism-debate-means-for-your-financial-future/) - I was standing in the Uffizi Gallery in Florence this morning, surrounded by centuries of Christian art, thinking about inspiration and belief. Then I came back to my hotel and read Peggy Noonan's piece in the Wall Street Journal arguing that socialism is filling the void left by receding religion, and I couldn't stop thinking about what that means for everyday Americans and their money.
- [Anatomy of an Investment Swindle: What SPVs Are Really Doing to Everyday Investors](https://compassfmllc.com/anatomy-of-an-investment-swindle-what-spvs-are-really-doing-to-everyday-investors/) - Special Purpose Vehicles promised everyday investors a backdoor into hot private companies like SpaceX and Impossible Foods. What many of those investors got instead was a locked portal, no tax documents, and a missing fortune.
- [Crony Capitalism Is the Real Enemy, Not Socialism](https://compassfmllc.com/crony-capitalism-is-the-real-enemy-not-socialism/) - Everyone is asking whether America is drifting toward socialism, but I think that's the wrong question. The real threat has always been crony capitalism, and both the new left and the new right are starting to figure that out.
- [Why Market Surges Should Make You More Nervous, Not More Confident](https://compassfmllc.com/why-market-surges-should-make-you-more-nervous-not-more-confident/) - When the market races to the roof, most investors feel relieved. I feel more cautious than ever, and there are very specific reasons why.
- [Celebrity Political Power: How Did Actors End Up Running American Politics?](https://compassfmllc.com/celebrity-political-power-how-did-actors-end-up-running-american-politics/) - I have been thinking hard about when exactly celebrities took over American political life, and I think most people are not asking the right questions about it. George Clooney wrote an op-ed that effectively ended Joe Biden's presidential campaign, and nobody seemed to find that as strange as I do.
- [Crony Capitalism Is Not Free Markets: Why Government Picking Winners Hurts Your Portfolio](https://compassfmllc.com/crony-capitalism-is-not-free-markets-why-government-picking-winners-hurts-your-portfolio/) - When the government takes stakes in private companies and hands out hundreds of millions in subsidies, it isn't capitalism. It's a rigged game that distorts markets and puts your investments at a disadvantage.
- [AI Hedge Fund Collapse: What Every Investor Can Learn About Risk and Arrogance](https://compassfmllc.com/ai-hedge-fund-collapse-what-every-investor-can-learn-about-risk-and-arrogance/) - An AI-powered hedge fund founded by a 24-year-old former OpenAI researcher just blew up, and the lessons here are ones I have been repeating for over 26 years. This is not just another cautionary tale. It is a blueprint for how overconfidence, unchecked risk, and fear of missing out destroy wealth.
- [Stagflation Warning Signs: What the GDP Numbers Actually Mean for Your Portfolio](https://compassfmllc.com/stagflation-warning-signs-what-the-gdp-numbers-actually-mean-for-your-portfolio/) - The latest GDP numbers came in at 1.5% annualized growth, and I'm here to tell you that is not a good sign for your retirement accounts or your purchasing power. When you stack that against a June PCE reading of 3.7%, which is nearly double the Fed's stated 2% target, we have a serious problem that most financial advisors are not talking about.
- [Market Volatility Is Exposing the Portfolios That Were Never Built to Survive It](https://compassfmllc.com/market-volatility-is-exposing-the-portfolios-that-were-never-built-to-survive-it/) - Markets are correcting, hedge funds are blowing up, and the Korean stock market just wiped out over 700,000 investors. If you think that kind of destruction can't happen here, you haven't been paying attention to what's already sitting inside American portfolios.
- [Paul Volcker, Fed Guidance, and What Rising Rates Really Mean for Your Portfolio](https://compassfmllc.com/paul-volcker-fed-guidance-and-what-rising-rates-really-mean-for-your-portfolio-2/) - The Federal Reserve has become a circus of economists, forward guidance, and Wall Street hand-holding. I want to take you back to a time when the Fed actually did its job without a press conference, a briefcase indicator, or a thousand PhD economists telling us what to think.
- [Paul Volcker, Fed Guidance, and What Rising Rates Really Mean for Your Portfolio](https://compassfmllc.com/paul-volcker-fed-guidance-and-what-rising-rates-really-mean-for-your-portfolio/) - The Federal Reserve has become a circus of economists, forward guidance, and Wall Street hand-holding. I want to take you back to a time when the Fed actually did its job without a press conference, a briefcase indicator, or a thousand PhD economists telling us what to think.
- [What Does Paying Your Fair Share Actually Mean for Your Wallet](https://compassfmllc.com/what-does-paying-your-fair-share-actually-mean-for-your-wallet/) - The phrase 'fair share' gets thrown around constantly in political debates, but nobody ever asks the most important question: fair by whose definition? I've been pressing people on the left for years with one simple framing, and I have never once gotten a real answer.
- [Affinity Fraud: Why the People You Trust Most Could Cost You Everything](https://compassfmllc.com/affinity-fraud-why-the-people-you-trust-most-could-cost-you-everything/) - Financial fraud in 2025 is projected to exceed eight billion dollars, and that number is conservative. One of the most devastating and underreported forms of fraud targets the people and communities you trust most.
- [What South Korea's Stock Market Crash Is Telling U.S. Investors Right Now](https://compassfmllc.com/what-south-koreas-stock-market-crash-is-telling-u-s-investors-right-now/) - South Korea's sharp stock market decline isn't just a foreign headline. It's a warning flare for U.S. investors who think excessive leverage and complex financial products can't blow up here at home.
- [How Major Investment Firms Buy Their Way Out of Bad Press](https://compassfmllc.com/how-major-investment-firms-buy-their-way-out-of-bad-press-2/) - Most people assume the financial news they watch is independent. What I uncovered back in 2005 should make every investor think twice before trusting what they see on TV.
- [How Major Investment Firms Buy Their Way Out of Bad Press](https://compassfmllc.com/how-major-investment-firms-buy-their-way-out-of-bad-press/) - Most people assume the financial news they watch is independent. What I uncovered back in 2005 should make every investor think twice before trusting what they see on TV.
- [Why TV Stock Pickers Are Not the Financial Experts You Think They Are](https://compassfmllc.com/why-tv-stock-pickers-are-not-the-financial-experts-you-think-they-are/) - The financial media loves parading so-called experts on TV to give stock picks and generate debate. But when you actually check their track records, the picture gets ugly fast.
- [Why Your Financial News Is Bought and Paid For: The Ad Dollar Trap](https://compassfmllc.com/why-your-financial-news-is-bought-and-paid-for-the-ad-dollar-trap/) - The financial media isn't failing you by accident. It's failing you by design, and the advertising contracts that Wall Street firms sign with major networks are the reason you never get the full story.
- [The Fauci Diaries: What the Media Won't Tell You About COVID Accountability and Your Money](https://compassfmllc.com/the-fauci-diaries-what-the-media-wont-tell-you-about-covid-accountability-and-your-money/) - The Fauci Diaries are out, and almost nobody in mainstream media is covering them seriously. I've gone through this material, and what's in there is heartbreaking but not the least bit surprising to anyone who's been paying attention.
- [The Wall Street Journal Attacks Americans Who Used Retirement Accounts to Build Wealth](https://compassfmllc.com/the-wall-street-journal-attacks-americans-who-used-retirement-accounts-to-build-wealth/) - The Wall Street Journal ran a front-page piece outraged that Americans used legal retirement accounts to build serious wealth. Nobody broke a law, nobody cheated anyone, but apparently getting rich the right way is now a scandal.
- [Private Equity Zombie Funds: Why $348 Billion Is Trapped and What It Means for Investors](https://compassfmllc.com/private-equity-zombie-funds-why-348-billion-is-trapped-and-what-it-means-for-investors/) - Private equity's dirty secret is finally making headlines, and I've been warning about this for years. Over $348 billion in U.S. private equity assets are now trapped in funds past their expiration date, and the investors who bought in are the ones left holding the bag.
- [Compass Commentary - Q4 2022](https://compassfmllc.com/compass-commentary-q4-2022/) - The Economy As we put together this month’s newsletter, the Federal Reserve (the “Fed”) has just announced an additional 75 basis point hike in interest rates. This makes the number on the left, 3.25%, incorrect as it is now at 4.00%. This is the fourth such increase of 0.75%, the sixth rate hike this year,
- [Compass Commentary - Q3 2022](https://compassfmllc.com/compass-commentary-q3-2022/) - The Economy Another month of up and down reports on our burgeoning economy, capped off by Federal Reserve (the “Fed”) Chairman Jerome Powell’s hawkish remarks in Jackson Hole, Wyoming in his annual policy speech on Friday, August 26th. Powell stated that the Fed will “use our tools forcefully” to control the inflation that is still
- [Compass Commentary - Q2 2022](https://compassfmllc.com/compass-commentary-q2-2022/) - Stocks Enter a Bear Market - Here's What Investors Should Do Next U.S. stocks entered a technical bear market three weeks ago, with the S&P 500 index declining more than -20% from its January peak. The downdraft has been led by technology shares, which disproportionately impact the broad index’s returns since technology is the largest
- [Compass Commentary - September 2017](https://compassfmllc.com/compass-commentary-september-2017/)
- [Compass Commentary - Q1 2022](https://compassfmllc.com/compass-commentary-q1-2022/) - Will Rising Fuel Prices and the Invasion of Ukraine Crush the Bull Market? Oil prices have been marching higher for months, a fact that many likely know based on recent trips to the pump. The cost of a barrel of West Texas Intermediate oil has soared from the low teens in April 2020 to over
- [Compass Commentary - June 2019](https://compassfmllc.com/june-commentary/) - Summer is near and the economy continues growth Overall, the economy is the best it has been in generations. Consumers and business remain optimistic and the US economy continues to expand. As of today the S&P 500 is up 14% in 2019. The unemployment rate is 3.6%, the lowest in 50 years (1969). The Gross
- [Compass Commentary - Q1 2017](https://compassfmllc.com/compass-commentary-q1-2017/)
- [Compass Commentary - August 2018](https://compassfmllc.com/compasscommentary-august-2018/)
- [Compass Commentary - May 2018](https://compassfmllc.com/compass-commentary-may-2018/)

## Pages

- [Home](https://compassfmllc.com/)
- [Compass Commentary](https://compassfmllc.com/compass-commentary/)
- [Financial Planning 101](https://compassfmllc.com/financial-preparation-101/) - Many people wonder: what does financial preparation accomplish? They are surprised to discover that it's about more than investments. It also encompasses real estate, taxation, estate planning, and more, as explained by Compass Financial Management.
- [Services](https://compassfmllc.com/services/) - Compass Financial Management. We are here to get the best financial advice for you.
- [About Us](https://compassfmllc.com/about/) - Investors large and small need professional financial planning. That's why Compass Financial Management provides financial planning with no account minimums. Investment advising isn't just for the wealthy anymore.
- [Disclosures](https://compassfmllc.com/disclosures/) - This website is for informational purposes only and does not constitute a complete description of our investment services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registrations
- [For Advisors](https://compassfmllc.com/advisors/) - Experience the freedom and fulfillment of continuing to grow your practice, ensuring your clients are taken care of, and protecting your family with a succession plan that fits your needs.
- [Succession Planning](https://compassfmllc.com/succession-planning/)
- [Collaborative Investment](https://compassfmllc.com/collaborative-investment/) - Our investment strategies are custom-designed to match each client's unique needs, goals, and risk tolerance. From conservative to aggressive approaches, we tailor every portfolio to your individual journey.
- [Rights of a Client](https://compassfmllc.com/rights-of-a-client/) - Know Your Rights And Don’t Settle For Less
- [Seminars](https://compassfmllc.com/seminars/) - Know Your Rights And Don’t Settle For Less
- [401(k) Plan Services](https://compassfmllc.com/401k-plan-services/) - We view a well-designed 401(k) plan as a fundamental tool to attract, motivate, and retain talented professionals while offering significant tax benefits for business owners.
- [Fundamental Principles](https://compassfmllc.com/fundamental-principles/) - Markowski Investments is dedicated to creating holistic financial planning solutions. Its advisers provide free consultations where they review portfolios, evaluate your full financial situation and create long-term strategies to grow and protect your assets.
- [Join the Family](https://compassfmllc.com/join/) - Are you an advisor who feels constrained by the limitations of traditional brokerages? Do you want the freedom to truly put your clients' interests first? We're here to offer you a home where you can thrive.
- [Frequently Asked Questions](https://compassfmllc.com/faq/)
- [Complimentary Financial Consultation](https://compassfmllc.com/complimentary-financial-consultation/)
- [Contact](https://compassfmllc.com/contact/) - Get in Touch with Compass Financial Management.
- [Planner Checklist](https://compassfmllc.com/planner-checklist/) - Use the following checklist to determine your level of comfort with your existing relationship with your financial planner.
- [Newsletter Sign Up](https://compassfmllc.com/newsletter-sign-up/) - Growth Without Risk Package
- [Free Offers](https://compassfmllc.com/free-offers/) - Free offers from Compass Financial Management to help with your Financial Planning
- [Retirement Crisis White Paper](https://compassfmllc.com/retirement-crisis-white-paper/) - [mwd-mailchimp id="2"]
- [Growth Without Risk Report](https://compassfmllc.com/growth-without-risk-report/) - Growth Without Risk Package
- [Research](https://compassfmllc.com/research/) - Free Consultation with a Certified Financial Planner! CFP®
- [Document Center](https://compassfmllc.com/document-center/) - A collection documents to help you get started on your investment plans.
- [Tax Planning](https://compassfmllc.com/tax-planning/) - A typical taxpayer filing the regular Form 1040 and reporting income from work, dividends and capital gains will spend an estimated 26 hours and 48 minutes each year completing his or her return.
- [Thank You](https://compassfmllc.com/thank-you/)
- [How to Avoid Common Pitfalls](https://compassfmllc.com/how-to-avoid-common-pitfalls/) - Set specific Financial Investement targets of what you want to achieve and when you want to achieve results
- [Personal CFO](https://compassfmllc.com/personal-cfo/) - Please take a quick moment to sign up for the Personal CFO in order to access the LATEST issue in PDF format!
- [Estate Planning](https://compassfmllc.com/estate-planning/) - A Compass Financial Management Estate Plan gives you options in developing a strategy to ensure your family’s wealth and your legacy.

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## Entries

- [](https://compassfmllc.com/vfb_entry/6184/)
- [](https://compassfmllc.com/vfb_entry/5440/)
- [](https://compassfmllc.com/vfb_entry/2828/)
- [](https://compassfmllc.com/vfb_entry/1028/)
- [](https://compassfmllc.com/vfb_entry/553/)
- [](https://compassfmllc.com/vfb_entry/547/)

## Categories

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