facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

February 2023 Client Newsletter

Hello Again! 

First Some Announcements: 

  • Your Investment Partners with Paul and Garrett is now up to fourteen episodes!  If you have a minute come join us for an in-depth conversation about all things financial.  Recent episodes include Ideas to Improve Your Cybersecurity and Different Ways to Budget.   (When you listen, give us a five-star review, and share it with someone who could benefit from the conversation!)   
    1. To Listen Through Apple Podcasts Click Here   
    2. To Listen Online Click Here 
  • Recent Blog Posts include: Understanding the Home Sale Tax Exclusion, Navigating the Financial Aspects of Starting a New Job, Insurance Basics: Renters Insurance, and more. 
    1. To read visit: Click Here  
  • Cash Management
    1. Short term money market rates have continued to rise.   If you have additional cash sitting in a checking or savings account earing very little interest, CD rates, money market rates, and bond rates offer a compelling alternative.  Give us a call to discuss your situation!
  • Tax reports will be generated over the coming weeks.  If you have online access you can login to the TradePMR portal and they will be under Documents starting February 15th.  Please let us know if we can be of help getting your reports to you or your tax professional.         


Plan. Keep. Grow. 

“An investor without investment objectives is like a traveler without a destination.”  -Ralph Seger 

          If you visit the front page of our website those are the three largest words and right above them are the phrases: 

Plan for your future.

Keep more for your family.

Grow for generations. 

          Nobody knows the future and there will always be surprises around the corner.   We use these phrases in this order as the backbone of all our processes, plans, and investments.  Let’s dive a little deeper in just one of these areas. 

          Remember how long it took to save those first few dollars?  It seemed like you would never get there, maybe you still feel that way.  The first chunk of savings is always the hardest and the slowest.  For that reason, the first step is to keep those savings.   We accomplish this by focusing on a few key factors.   

  1. Minimizing Taxes
  2. Maximizing Tax Savings
  3. Prudent Investing
  4. Proper Estate Planning
  5. Sufficient, but not excessive, Insurance 

          Setting the proper foundation is critical as to not go backwards before going forwards.  Too much risk too soon can stagnate a portfolio and savings.  But not taking enough risk early on can lead to stunted growth.   

          Regularly updating each of these pieces is very important.  That is why planning never stops.  Every day we are different people and situations are always changing.  Human nature fights each one of us with every step.  When times are good it is easy to get loose and take an unnecessary amount of risk.  When times are bad its instinctive to cut and run.  By finding the right balance you can live your life the way you want to live regardless of external events. 

          Thank you for being a great client and we appreciate you and your business. 




Garrett G. Smith

Financial Advisor

Ascend Investment Partners


Paul M. Norman, CFP®

Senior Financial Advisor

Ascend Investment Partners





214 South Main Street

Logan, UT 84321

Tel: 801-476-1200

Fax: 801-476-1207



175 Historic 25th Street

Ogden, UT 84401

Tel: 801-476-1200

Fax: 801-476-1207 


Ascend Investment Partners is not a legal or tax advisor. You should consult with your attorney, accountant and/or estate planner before taking any action.   

Ascend Investment Partners did not assist in the preparation of this report, and its accuracy and completeness are not guaranteed. The opinions expressed in this report are those of the author(s) and are not necessarily those of Ascend Investment Partners or its affiliates. The material has been prepared or is distributed solely for information purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy.

The commentary on this website reflects the personal opinions, viewpoints and analyses of the Ascend Investment Partners employees providing such comments, and should not be regarded as a description of advisory services provided by Kesler, Norman & Wride, LLC dba Ascend Investment Partners or performance returns of any Ascend Investment Partners Investments client. The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Ascend Investment Partners manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.