Volatility has been suppressed, and 2016 is likely the year for a new volatility regime to unfold.

Evidence is mounting that 2016 will prove happier than 2015 for investors.

We expect a limited return environment may persist in 2016 and the year as a whole may look similar to 2015.

The right combination of global diversification, active stock selection (over passive “beta” investing), and thoughtful financial planning can provide a strong basis for every investment process.

The world of finance has become nothing short of a centrally planned game, with policymakers driving asset markets as well as currencies.

With an understanding that Fed policy has been a substantial driver of asset markets, there is value in considering the rate environment and stance of our policymakers going forward.