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Monday, January 30, 2023

The script has been flipped in 2023. Last year’s underperformers have turned into outperformers this year, driving the S&P 500 Index up over 5% this month. The pace and composition of the rally have left many investors skeptical...

Thursday, January 26, 2023

What is it?Even if you've always handled your family's finances, you may be overwhelmed by the number of financial matters you have to settle in the weeks or months following your spouse's death. While you can put off some of these...

Monday, January 23, 2023

The latest episode of the debate between stock market bulls and bears has gotten more interesting. For every valid point from one side, there’s an equally compelling argument on the other side. Perhaps the best reason for the...

Thursday, January 19, 2023

No matter your age, financial competency is an important skill to have. The most important part of feeling confident in your finances is your ability to budget—and that’s not always an easy task. Here are a few helpful...

Tuesday, January 17, 2023

The following content is prepared by LPL Research--Fourth quarter earnings season is underway and probably won’t bring much good news. Lackluster global growth, ongoing profit margin pressures from inflation, and negative...

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Thursday, January 12, 2023

How long do you think you will live? How long does your money need to last? If you’re like most people, you get this age wrong.The consequence? Faulty retirement planning, overspending now and running out of money before you...

Monday, January 9, 2023

The following content is prepared by LPL Research--We believe accountability and modesty are among the keys to success in this business. In striving for those qualities, LPL Research has a tradition of starting off a new year with a...

Thursday, January 5, 2023

You tie your life to another’s in many ways with that ring on your finger: family, friends, jobs and where you live, to name a few. You also certainly combine finances and attitudes about money. Is your spouse also always the...

Tuesday, January 3, 2023

The following content is prepared by LPL Research--2022 was a dizzying year as markets and the global economy continued to find itself out of balance due to the still present aftereffects of the COVID-19 pandemic and the policy...

Thursday, December 29, 2022

What is a living trust?A living trust is a separate legal entity that you create to own property for you (like a house, boat, or mutual fund shares). You transfer all or some of your property to the living trust as soon as it is...

Thursday, December 22, 2022

In October of 2022, the Social Security Administration announced that Social Security and Supplemental Security Income (SSI) benefits for more than 70 million Americans will increase 8.7%.The adjustment will increase monthly Social...

Monday, December 19, 2022

The January Effect was first noticed by investment banker Sidney Wachtel in 1942 and the theory proposes that a pattern existed in the price of stocks in the last few trading days of December and the first few weeks of January.

Monday, December 19, 2022

The following content is prepared by LPL Research--The Federal Reserve (Fed) wrapped up its last Federal Open Market Committee (FOMC) meeting of the year last week, where it hiked short-term interest rates for the seventh time in as...

Thursday, December 15, 2022

Over the last 20 years, the median-age for Americans (the median age is the point where exactly half the population is older and the other half is younger) has increased by about 3 ½ years. Today, the median age is 38.8 years. But...

Tuesday, December 13, 2022

The following content is prepared by LPL Research--Despite the S&P 500 Index starting December with five consecutive days of losses, we think December is down but not out. December often starts slow but historically has been a strong...

Thursday, December 8, 2022

Most folks just don't make preparations before dying. Preparing means communicating with relatives and other loved ones – and it’s really hard.Here is a metaphor that might encourage you to plan for when you’re no...

Monday, December 5, 2022

The following content is prepared by LPL Research--Economic and corporate data support the initial strong reads on holiday retail sales despite the macro headwinds, reinforcing the idea that today’s consumer is in a better...

Thursday, December 1, 2022

October is usually one of the worst months for stocks, but October 2022 is shaping up to be the best month on record since 1976.Did you sell your equity positions at the end of September because you could no longer stomach this...

Thursday, November 24, 2022

With the holiday season upon us and the end of the year approaching, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes to mind. The tax benefits associated with...

Tuesday, November 22, 2022

The following content is prepared by LPL Research--Recent inflation data has tempered expectations for future Federal Reserve tightening, including a potential peak in the terminal rate near 5.0% in May or June of 2023. While the...

Friday, November 18, 2022

Many programs and resources are available from your community to help you live independently at home. Some of these programs are funded either by your state government or by the federal government. Others are privately funded or are provide

Tuesday, November 15, 2022

The following content is prepared by LPL Research-- The growth vs. value debate has been pretty one-sided in 2022, with value outperforming growth for a sustained period for the first time in almost 15 years. However, the debate is...

Thursday, November 10, 2022

Black Friday and Cyber Monday are two of the greatest days to score deals for holiday shopping. Unfortunately, with amazing deals plentiful, some scammers use these days to take advantage of shoppers looking for the greatest bargains...

Tuesday, November 8, 2022

The following content is prepared by LPL Research--Midterm elections are upon us, with Election Day on Tuesday. Republicans are strongly favored to win the House, and the Senate is roughly a tossup. We believe either outcome would be...

Friday, November 4, 2022

The Internal Revenue Service might soon add 87,000 more to its staff. While the IRS may not be your favorite federal agency, criminals posing as IRS representatives are unquestionably the much bigger problem. Here’s what to know...

Tuesday, November 1, 2022

Massive computer hacks and data breaches are now common occurrences — an unfortunate consequence of living in a digital world. Once identity thieves have your information, they can use it to gain access to your bank and credit-card accounts

Tuesday, November 1, 2022

With a series of important economic indicators suggesting the economy is declining and inflation is finally decelerating, albeit very slowly, markets are beginning to factor in that the Fed may soon transition to a less aggressive stance in

Monday, October 24, 2022

If the U.S. economy enters a recession, the causes and potential outcomes will be hotly debated. At LPL Research, our starting point is always looking at history. This week’s commentary will remind us of three things we know...

Thursday, October 20, 2022

At one time, the only way you could join your company's 401(k) plan, 403(b) plan, or 457(b) plan was to put pen to paper and sign yourself up by filling out the appropriate forms. Now, though, in an effort to help participants increase...

Monday, October 17, 2022

Expectations are very low for this earnings season. The challenges are many, with intense cost pressures and slowing economic growth at the top of the list. The chorus of analysts and strategists calling for big cuts to estimates has...

Thursday, October 13, 2022

How you perform against one index bears little on your financial well-being. Study after study has shown that beating the S&P 500 over the long term is nearly impossible. Yet, nearly every time I meet with a new investor, they ask the...

Monday, October 10, 2022

The British pound had been weakening for some time amid a backdrop of dollar strength and a poor economic outlook as the U.K. has been wracked by rising energy costs. A stimulus-packed government ‘mini budget’ announcement that included sig

Wednesday, October 5, 2022

The strong dollar is much in the news lately. But most Americans, other than tourists beyond our shores, don't focus on what that means to them. For U.S. investors, the upshot is not great. In fact, for most, currency fluctuations...

Monday, October 3, 2022

On October 16, China will begin its 20th National Congress of the Chinese Communist Party in Beijing. This plenum is especially significant because it is expected that President Xi Jinping will be granted an unprecedented third term,...

Thursday, September 29, 2022

For those who don't have a 401(k) option through their employer—which includes some small-business owners—how to save for retirement might be challenging. In a competitive employment market, offering retirement options to...

Monday, September 26, 2022

Because the equity risk within our diversified asset allocation portfolios is still the largest contributor to total portfolio risk, we like the defensive properties that bonds could play on a go-forward basis. In the form of high-quality..

Thursday, September 22, 2022

During their lives, many individuals make donations to favorite charitable causes to address social ills or support certain institutions. For some, altruistic motives predominate. Many technological, medical, and educational advances...

Tuesday, September 20, 2022

The following content is written and prepared by LPL Research--Inflationary dynamics continue to surprise to the upside, and markets now expect the Fed to pursue one of its most aggressive rate hiking campaign in years. U.S....

Thursday, September 15, 2022

Combining today's low gift tax rates with a historic peak in the lifetime gift tax exemption amount (currently $11.58 million), now could be a great time for high-net-worth investors to pass along assets to family members and other...

Monday, September 12, 2022

The following content is written and prepared by LPL Research--Federal Reserve Chairman Jay Powell reiterated his warning that getting inflation under control will require some pain. Powell is likely making these warnings based...

Thursday, September 8, 2022

The primary purpose of life insurance is to provide financial resources for those that depend on you when you die. However, you can lessen the complexity of charitable giving through wealth transfer by using life insurance as a gifting...

Tuesday, September 6, 2022

The following content is written and prepared by LPL Research--The difficult 2022 for stocks may not get much easier because as we now wait for better news on the inflation front, we have to contend with a seasonally weak month...

Friday, September 2, 2022

Americans donate billions to charity annually. If you give to charity, you need to know about one of the best tools to facilitate generosity: Donor-Advised Funds (DAFs).DAFs date from the 1930s but did not become popular until the...

Monday, August 29, 2022

Earnings growth of 6-7% doesn’t sound very exciting, but given the challenges corporate America has faced, we consider the nearly-complete second-quarter earnings season a resounding success. The numerous challenges last quarter...

Thursday, August 25, 2022

A qualified charitable distribution, or QCD, allows you to distribute funds from your IRA to an eligible charity (a 501(c)(3) organization) as long as you’re 70 1/2 years of age or older. Since the gift will go directly to the...

Tuesday, August 23, 2022

A common definition of a recession that many have used over the years is two consecutive quarters of negative GDP growth. But the National Bureau of Economic Research (NBER), which is the official arbiter of recessions, claims it’s much...

Thursday, August 18, 2022

Charitable giving is a great way to support your community, make an impact, or leave a legacy while receiving tax benefits for giving. If you choose to give and find an organization you’re passionate about, add charitable giving...

Monday, August 15, 2022

Investors cheered the two better-than-expected inflation reports last week, pushing the S&P 500 to 16% above its June 16 low and only 11% below its all-time high. After this rebound, the key question investors are asking is whether...

Thursday, August 11, 2022

The turmoil in the markets in the first few months of 2022 has demonstrated the benefits of diversifying your assets. Stocks plunged in January and February, rebounded in March, but are still negative YTD. And the bond market suffered...

Thursday, August 4, 2022

Many nonprofit organizations set out to help others. They provide services, guidance, support, or other resources to a specific group or cause. Yet, to do the work they do, they often need financial strength. Nonprofit organizations...

Friday, July 29, 2022

Establishing and sticking to a budget is an important life skill to learn, even for college students who are focused on keeping up their grades and getting a good job when they graduate. Budgeting may help them understand how much...

Thursday, July 28, 2022

Fresh off of OTA's! Andy & Christian had the opportunity to spend some time chatting with NFL Class of 2022 Wide Receiver and Return Specialist, Britain Covey, of the Philadelphia Eagles Football Team. Watch Now!

Thursday, July 21, 2022

Whether to invest a large amount all at once or over a short period of time (lump-sum investing) or to invest gradually over a longer period of time (periodic investing) is an investment strategy decision you'll have to face if you're...

Friday, July 15, 2022

You may have envisioned retirement as a second childhood—a time to relax, enjoy yourself, and devote your time to your favorite hobbies. Unfortunately, worry-free retirement is not the reality for some. Challenges from stock...

Thursday, July 7, 2022

Most of us cannot imagine the sudden loss of our spouse. Yet, difficult as it may seem to accept, U.S. Census data indicates that the overwhelming majority of married women will be on their own for a significant number of their later...

Thursday, June 23, 2022

Losing experienced, hardworking employees can be costly for your business. So when one of your valued employees announces she is pregnant, do more than just congratulate her. You may want to consider encouraging her to return to work...

Thursday, June 23, 2022

With news easily accessible through phones, social media, television, podcasts, and other means, I’m sure most of you have heard that we have entered a bear market. What does this mean, and is there anything we can do about...

Thursday, June 16, 2022

Marriage is an important step in anyone's life and brings many challenges with it. One of those challenges is the management of your finances as a couple. The money decisions that you make now as a couple can have a lasting impact on...

Thursday, June 9, 2022

Even with all of your savvy college shopping and research about financial aid, college costs may still be prohibitive. At these prices, you expect you'll need to make substantial financial sacrifices to send your child to college. Or...

Thursday, June 2, 2022

While it may seem that fishing and investing are completely unrelated, believe it or not, there are some characteristics that make a person good at fishing that can also transfer to investing. Here are six fishing lessons you can apply...

Thursday, May 26, 2022

Taxes are a great adult subject for every teen to start learning about. For teens and young adults who will be taking on summer jobs this year, it will be a time to gain experience, earn some cash and learn a bit about adulthood.

Thursday, May 19, 2022

What does an entrepreneur need to create a dynamic company? The right mindset is a big part of it. As an entrepreneur, you devote half your time or more to the daily hustle, making things happen and accomplishing goals. The other half...

Wednesday, May 18, 2022

The market has tested our patience and resolve this year. We’re only about five months through the year, and we’ve already dealt with sticky inflation, global conflict, political discord, and declining consumer sentiment....

Thursday, May 12, 2022

For quite some time, profit-sharing plans have been recognized by many small business owners and professionals as effective, qualified retirement savings mechanisms. Generally speaking, these plans allow employees to share company...

Thursday, May 5, 2022

The health-care reform legislation enacted in 2010 included new Medicare-related taxes that first took effect in 2013. These new taxes target high-income individuals and families. Here are the basics: Additional Medicare Payroll Tax If...

Thursday, April 28, 2022

One out of 11 women owns her own business and is responsible for employing one out of seven workers. It appears that much of the push behind women-owned businesses is the desire for independence.

Tuesday, April 26, 2022

Buying your first home is equivalent to embarking on a grand adventure. Although extremely thrilling, learning the ins and outs of the process can often seem overwhelming. From determining a budget to obtaining a loan, there are...

Tuesday, April 19, 2022

Regardless of your age, if you’re in a committed relationship, both of you should participate in planning for your financial future.

Tuesday, April 12, 2022

Ask your five-year-old where money comes from, and the answer you'll probably get is "From a machine!" Even though children don't always understand where money really comes from, they realize at a young age that they can use it to buy...

Tuesday, April 5, 2022

Getting reliable information and support is important when you have a child with special needs.

Tuesday, March 29, 2022

Maybe your charitable donations should stay in your zip code? For many of us, buying locally matters. We’ve all heard the term and seen the signs: Shop Locally. Eat Locally. But let’s extend that thought for a minute: do...

Tuesday, March 22, 2022

Most tax-exempt nonprofits must file a 990 form with the Internal Revenue Service every year, typically in mid-May. The 990 is purely informational. Nonprofits commit to serving an “approved purpose” – such as...

Tuesday, March 15, 2022

As you consider the traditional concept of retirement, you may discover that it doesn’t meet your needs.

Tuesday, March 8, 2022

As a business owner, you may hire your minor children to perform certain jobs... As long as you pay a fair market wage for the services they perform, the money they earn can be considered compensation income and be invested in a Roth IRA.

Tuesday, March 1, 2022

Families inherit money and sometimes make the right moves in investing and spending. Inheritances can also ignite disruption, divorce, and a host of bad behavior far from the hopes and plans of the benefactor.

Tuesday, March 1, 2022

The market has experienced a generous amount of volatility to start the year 2022. We wanted to take this opportunity to go through a few general reminders during a time like this. Making decisions based on emotions is a dangerous game...

Tuesday, February 22, 2022

Now that the door has shut on 2021, let's take a look at what is ahead in 2022.