---
title: The Artifex Navigator | oil
description: oil |
---

[![](https://blog.artifexfinancial.com/hs-fs/hubfs/artifex%20logo%20color%20copy.jpg?width=300&height=106&name=artifex%20logo%20color%20copy.jpg)](http://www.artifexfinancial.com)

- [Home](http://www.artifexfinancial.com)
- Personal Services 
    - [Financial Planning](http://www.artifexfinancial.com/personal-financial-planning/-2-0)
    - [Wealth Management](http://www.artifexfinancial.com/wealth-management/-02)
- [Business Services](http://www.artifexfinancial.com/biz-services)
- [ESG / Impact](http://www.artifexfinancial.com/esg)
- [About Us](http://www.artifexfinancial.com/about-us/-02) 
    - [Doug Kinsey](http://www.artifexfinancial.com/dougkinsey2)
    - [Darren Harp](http://www.artifexfinancial.com/darrenharp2)
    - [Gerald Summers](http://www.artifexfinancial.com/jerrysummers2)
    - [Kevin O'Connor](http://www.artifexfinancial.com/kevinoconnor2)
    - [Alexander Browning](http://www.artifexfinancial.com/alexanderbrowning)
    - [Elizabeth Raby-Salinas](http://www.artifexfinancial.com/elizabethraby-salinas)
    - [Jansen Davidson](http://www.artifexfinancial.com/jansendavidson)
- [Blog](https://blog.artifexfinancial.com)
- [Contact](http://www.artifexfinancial.com/contact/)

# The Artifex Navigator listing page

[![](https://blog.artifexfinancial.com/hubfs/Bull%20and%20Bear%20iStock%20photo.jpg)](https://blog.artifexfinancial.com/artifex-april-2020-market-commentary)

### [Artifex April 2020 Market Commentary](https://blog.artifexfinancial.com/artifex-april-2020-market-commentary)

- Byron Sanders
- 07.05.2020
- [markets](https://blog.artifexfinancial.com/topic/markets)

 May 7, 2020 April provided relief for beleaguered investment portfolios, perhaps far more than would have been expected in the wake of the six-week decline that ended in ... 

[READ MORE](https://blog.artifexfinancial.com/artifex-april-2020-market-commentary)

[![](https://blog.artifexfinancial.com/hubfs/unhappy%20to%20happy%20face%20blackboard-%20istock.jpg)](https://blog.artifexfinancial.com/rebirth-of-optimism)

### [Rebirth of Optimism?](https://blog.artifexfinancial.com/rebirth-of-optimism)

- Byron Sanders
- 28.04.2020
- [commodities](https://blog.artifexfinancial.com/topic/commodities)

 April 28, 2020 US equity prices have continued to claw back great chunks of their losses since the March lows. The S&P 500 has gained roughly 4.25% from April 15 ... 

[READ MORE](https://blog.artifexfinancial.com/rebirth-of-optimism)

[![](https://blog.artifexfinancial.com/hubfs/iStock-Fence.jpg)](https://blog.artifexfinancial.com/defensive-perimeter)

### [Defensive Perimeter](https://blog.artifexfinancial.com/defensive-perimeter)

- Byron Sanders
- 16.03.2020
- [Investments](https://blog.artifexfinancial.com/topic/investments)

 March 12, 2020 President Trump’s address to the nation Wednesday evening was somber and determined. While it evidenced a commitment to ensure the safety of US, the ... 

[READ MORE](https://blog.artifexfinancial.com/defensive-perimeter)

[![](https://blog.artifexfinancial.com/hubfs/US-Iran%20picture.jpg)](https://blog.artifexfinancial.com/flash-market-update-1)

### [Flash Market Update US-Iran Developments](https://blog.artifexfinancial.com/flash-market-update-1)

- Byron Sanders
- 07.01.2020
- [USA](https://blog.artifexfinancial.com/topic/usa)

 January 7, 2020 Overnight January 2-3, a targeted US airstrike killed one of the world’s most notorious terrorists. Quaseem Soleimani was head of the Iranian Quds force, ... 

[READ MORE](https://blog.artifexfinancial.com/flash-market-update-1)

## Welcome to the Artifex Intelliplan Blog

### Commentary on the world of finance, and other things

We at Artifex believe in enhancing the wisdom of our clients and readers.  While most of our topics will be related to investments, personal finance, and the economy, we also endeavor to include thought-provoking commentary on topics that will help you expand your "mental models", as referred to by Charlie Munger and Warren Buffet. We want you to learn from us and others how to think logically and see the world through an informed lens.

Some of our regular topics include:

- Monthly "Savvy Cybersecurity" updates with tips to keep your data safe
- Economic and market commentary
- Financial planning and investment management best practices
- Thoughts to improve your mindset and your life

### Subscribe to our Newsletter

### Recent Posts

### Posts by Topic

- [Economy (31)](https://blog.artifexfinancial.com/topic/economy)
- [Investments (19)](https://blog.artifexfinancial.com/topic/investments)
- [markets (18)](https://blog.artifexfinancial.com/topic/markets)
- [stock market (18)](https://blog.artifexfinancial.com/topic/stock-market)
- [global markets (17)](https://blog.artifexfinancial.com/topic/global-markets)
- [Market commentary (13)](https://blog.artifexfinancial.com/topic/market-commentary)
- [Covid-19 (12)](https://blog.artifexfinancial.com/topic/covid-19)
- [Coronavirus (11)](https://blog.artifexfinancial.com/topic/coronavirus)
- [Economics (10)](https://blog.artifexfinancial.com/topic/economics)
- [Financial Planning (8)](https://blog.artifexfinancial.com/topic/financial-planning)
- [inflation (8)](https://blog.artifexfinancial.com/topic/inflation)
- [bonds (7)](https://blog.artifexfinancial.com/topic/bonds)
- [stocks (7)](https://blog.artifexfinancial.com/topic/stocks)
- [tax planning (6)](https://blog.artifexfinancial.com/topic/tax-planning)
- [Retirement Planning (5)](https://blog.artifexfinancial.com/topic/retirement-planning)
- [commodities (4)](https://blog.artifexfinancial.com/topic/commodities)
- [oil (4)](https://blog.artifexfinancial.com/topic/oil)
- [retirement (4)](https://blog.artifexfinancial.com/topic/retirement)
- [Business (3)](https://blog.artifexfinancial.com/topic/business)
- [Business owners (3)](https://blog.artifexfinancial.com/topic/business-owners)
- [CARES Act (3)](https://blog.artifexfinancial.com/topic/cares-act)
- [Fed (3)](https://blog.artifexfinancial.com/topic/fed)
- [Independence Day (3)](https://blog.artifexfinancial.com/topic/independence-day)
- [Thanksgiving (3)](https://blog.artifexfinancial.com/topic/thanksgiving)
- [interest rates (3)](https://blog.artifexfinancial.com/topic/interest-rates)
- [tax (3)](https://blog.artifexfinancial.com/topic/tax)
- [2021 (2)](https://blog.artifexfinancial.com/topic/2021)
- [Artifex (2)](https://blog.artifexfinancial.com/topic/artifex)
- [Fiduciary (2)](https://blog.artifexfinancial.com/topic/fiduciary)
- [Goldman Sachs (2)](https://blog.artifexfinancial.com/topic/goldman-sachs)
- [Hanukkah (2)](https://blog.artifexfinancial.com/topic/hanukkah)
- [SBA (2)](https://blog.artifexfinancial.com/topic/sba)
- [Tax Tips (2)](https://blog.artifexfinancial.com/topic/tax-tips)
- [Taxes (2)](https://blog.artifexfinancial.com/topic/taxes)
- [USA (2)](https://blog.artifexfinancial.com/topic/usa)
- [advisor (2)](https://blog.artifexfinancial.com/topic/advisor)
- [cryptocurrency (2)](https://blog.artifexfinancial.com/topic/cryptocurrency)
- [decisions (2)](https://blog.artifexfinancial.com/topic/decisions)
- [easter (2)](https://blog.artifexfinancial.com/topic/easter)
- [labor day (2)](https://blog.artifexfinancial.com/topic/labor-day)
- [merry christmas (2)](https://blog.artifexfinancial.com/topic/merry-christmas)
- [non-fiduciary (2)](https://blog.artifexfinancial.com/topic/non-fiduciary)
- [personal finance (2)](https://blog.artifexfinancial.com/topic/personal-finance)
- [portfolio models (2)](https://blog.artifexfinancial.com/topic/portfolio-models)
- [strategy (2)](https://blog.artifexfinancial.com/topic/strategy)
- [trends (2)](https://blog.artifexfinancial.com/topic/trends)
- [vaccine (2)](https://blog.artifexfinancial.com/topic/vaccine)
- [2020 (1)](https://blog.artifexfinancial.com/topic/2020)
- [Bitcoin (1)](https://blog.artifexfinancial.com/topic/bitcoin)
- [Business planning (1)](https://blog.artifexfinancial.com/topic/business-planning)
- [Coinbase (1)](https://blog.artifexfinancial.com/topic/coinbase)
- [Corporate Governance (1)](https://blog.artifexfinancial.com/topic/corporate-governance)
- [ESG (1)](https://blog.artifexfinancial.com/topic/esg)
- [ESG Investing (1)](https://blog.artifexfinancial.com/topic/esg-investing)
- [Edward Jones (1)](https://blog.artifexfinancial.com/topic/edward-jones)
- [Election (1)](https://blog.artifexfinancial.com/topic/election)
- [Estate Planning (1)](https://blog.artifexfinancial.com/topic/estate-planning)
- [Fee-Only Financial Planning (1)](https://blog.artifexfinancial.com/topic/fee-only-financial-planning)
- [Financial Happiness (1)](https://blog.artifexfinancial.com/topic/financial-happiness)
- [Happy Holidays (1)](https://blog.artifexfinancial.com/topic/happy-holidays)
- [Harvard (1)](https://blog.artifexfinancial.com/topic/harvard)
- [Harvard Commencement (1)](https://blog.artifexfinancial.com/topic/harvard-commencement)
- [Herbers & Co. (1)](https://blog.artifexfinancial.com/topic/herbers-co)
- [Iran (1)](https://blog.artifexfinancial.com/topic/iran)
- [Life (1)](https://blog.artifexfinancial.com/topic/life)
- [Lou Gehrig (1)](https://blog.artifexfinancial.com/topic/lou-gehrig)
- [Masters of Liberal Arts (1)](https://blog.artifexfinancial.com/topic/masters-of-liberal-arts)
- [Merrill Lynch (1)](https://blog.artifexfinancial.com/topic/merrill-lynch)
- [Morgan Stanley (1)](https://blog.artifexfinancial.com/topic/morgan-stanley)
- [Northwestern Mutual (1)](https://blog.artifexfinancial.com/topic/northwestern-mutual)
- [Outlook (1)](https://blog.artifexfinancial.com/topic/outlook)
- [PPP Loans (1)](https://blog.artifexfinancial.com/topic/ppp-loans)
- [Passover (1)](https://blog.artifexfinancial.com/topic/passover)
- [Rosh Hashanah (1)](https://blog.artifexfinancial.com/topic/rosh-hashanah)
- [Ukraine (1)](https://blog.artifexfinancial.com/topic/ukraine)
- [World Events (1)](https://blog.artifexfinancial.com/topic/world-events)
- [achievements (1)](https://blog.artifexfinancial.com/topic/achievements)
- [april (1)](https://blog.artifexfinancial.com/topic/april)
- [artificial intelligence (1)](https://blog.artifexfinancial.com/topic/artificial-intelligence)
- [associates (1)](https://blog.artifexfinancial.com/topic/associates)
- [behavioral finance (1)](https://blog.artifexfinancial.com/topic/behavioral-finance)
- [blockchain (1)](https://blog.artifexfinancial.com/topic/blockchain)
- [cybersecurity (1)](https://blog.artifexfinancial.com/topic/cybersecurity)
- [education (1)](https://blog.artifexfinancial.com/topic/education)
- [fraud (1)](https://blog.artifexfinancial.com/topic/fraud)
- [intern (1)](https://blog.artifexfinancial.com/topic/intern)
- [january (1)](https://blog.artifexfinancial.com/topic/january)
- [judgment (1)](https://blog.artifexfinancial.com/topic/judgment)
- [mutual funds (1)](https://blog.artifexfinancial.com/topic/mutual-funds)
- [november (1)](https://blog.artifexfinancial.com/topic/november)
- [pandemic (1)](https://blog.artifexfinancial.com/topic/pandemic)
- [recession (1)](https://blog.artifexfinancial.com/topic/recession)
- [review (1)](https://blog.artifexfinancial.com/topic/review)
- [scam (1)](https://blog.artifexfinancial.com/topic/scam)
- [separation from service (1)](https://blog.artifexfinancial.com/topic/separation-from-service)
- [severance (1)](https://blog.artifexfinancial.com/topic/severance)
- [social security (1)](https://blog.artifexfinancial.com/topic/social-security)
- [supply chain (1)](https://blog.artifexfinancial.com/topic/supply-chain)
- [tariffs (1)](https://blog.artifexfinancial.com/topic/tariffs)
- [team members (1)](https://blog.artifexfinancial.com/topic/team-members)
- [update (1)](https://blog.artifexfinancial.com/topic/update)
- [wealth creation (1)](https://blog.artifexfinancial.com/topic/wealth-creation)
- [worst jobs in the world (1)](https://blog.artifexfinancial.com/topic/worst-jobs-in-the-world)

see all

### Blog Archive

- [June 2020 (8)](https://blog.artifexfinancial.com/archive/2020/06)
- [March 2020 (7)](https://blog.artifexfinancial.com/archive/2020/03)
- [April 2020 (7)](https://blog.artifexfinancial.com/archive/2020/04)
- [September 2020 (6)](https://blog.artifexfinancial.com/archive/2020/09)
- [April 2022 (6)](https://blog.artifexfinancial.com/archive/2022/04)

[![Get Your Free Whitepaper, "6 Failed Beliefs That Are Damaging Your Financial Well-Being"](https://no-cache.hubspot.com/cta/default/1557625/6d25c7f6-eb8d-4b12-9f90-5007a5fdb902.png)](https://cta-redirect.hubspot.com/cta/redirect/1557625/6d25c7f6-eb8d-4b12-9f90-5007a5fdb902)

## Get a Copy of our whitepaper

### "6 Failed Beliefs That Are Damaging Your Financial Health"

 

[![Get Your Free Whitepaper](https://no-cache.hubspot.com/cta/default/1557625/46ef55a5-f59d-4e30-9fb9-1d435af4e371.png)](https://cta-redirect.hubspot.com/cta/redirect/1557625/46ef55a5-f59d-4e30-9fb9-1d435af4e371)

Sign up to receive our latest commentary and updates

### About us

Artifex Financial Group is a fee-only wealth management firm that was founded in 2007 by Doug Kinsey, CFP®, AIFA®, CIMA® and Darren Harp, AIF®.  We focus on the financial planning, tax and investment needs of individuals and families in the central and southwest Ohio area.  

We promise you straight talk, independent and objective advice, open access, the highest professional standards, and an excellent value for your money.

Learn more [**here**](https://www.artifexfinancial.com/about-us/-02)

### Quick Links

- [Home](http://www.artifexfinancial.com)
- [Contact](http://www.artifexfinancial.com/contact/)
- [About Us](http://www.artifexfinancial.com/about-us/-02)
- [Blog](https://blog.artifexfinancial.com)
- [Wealth Management](http://www.artifexfinancial.com/wealth-management/-02)
- [Personal Financial Planning](http://www.artifexfinancial.com/personal-financial-planning/-2-0)
- [Business Services](http://www.artifexfinancial.com/biz-services)
- [Artifex ESG Impact Investing](http://www.artifexfinancial.com/esg)
- [Free Financial Planning Tools](http://www.artifexfinancial.com/free-financial-planning-tools/1)
- [Client Login](http://www.artifexfinancial.com/client-login/-0)
- [Compliance](http://www.artifexfinancial.com/compliance/-0)

### Fresh from our blog

 

![](https://blog.artifexfinancial.com/hs-fs/hubfs/rss-icon-vector-923565258_1027x1027.jpeg?width=83&name=rss-icon-vector-923565258_1027x1027.jpeg "rss-icon-vector-923565258_1027x1027.jpeg")

### Sign up to receive our blog posts

[![Submit a Service Request](https://no-cache.hubspot.com/cta/default/1557625/3ebf5b97-1972-4b2d-a13c-31c05487493c.png)](https://cta-redirect.hubspot.com/cta/redirect/1557625/3ebf5b97-1972-4b2d-a13c-31c05487493c)

[![Click for the BBB Business Review of this Financial Planning Consultants in Dayton OH](https://blog.artifexfinancial.com/hubfs/Images/blue-seal-200-42-artifexfinancialgroupllc-4430.png)](http://www.bbb.org/dayton/business-reviews/financial-planning-consultants/artifex-financial-group-in-dayton-oh-4430#sealclick)<http://napfa.org>[![](https://blog.artifexfinancial.com/hubfs/Images/logoNAPFA.gif)](http://napfa.org)<http://www.bbb.org/dayton/business-reviews/financial-planning-consultants/artifex-financial-group-in-dayton-oh-4430#sealclick>

            [Privacy Statement and Legal Terms](https://blog.artifexfinancial.com/privacy/) | [Disclaimer](https://blog.artifexfinancial.com/disclaimer/) | [Compliance](https://www.artifexfinancial.com/compliance/-0)

[FINRA](http://www.finra.org/) and [SIPC](http://www.sipc.org)

© 2018 Artifex Financial Group