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Tuesday, February 20, 2024

As the Federal Reserve (Fed) continues with its Quantitative Tightening (QT) program, questions abound regarding the Treasury Department’s expanding funding needs. The QT program is designed to reduce the Fed’s balance...

Monday, February 19, 2024

When people think of “myths,” they often think of such stories as Pandora’s Box (the woman who took the lid off of a jar releasing all of the world’s ills upon the world, were taxes one of them?), or the Tale of...

Tuesday, February 13, 2024

When we wrote the annual outlook last November, the data was mixed. Some metrics hinted at emerging cracks in the economy while others suggested the growth trajectory in capital markets and the economy had legs. So, the variety of the...

Monday, February 12, 2024

The death of a spouse is one of the most traumatic experiences a person can endure.1 Adding financial stresses at such a delicate time can only make matters worse—and your emotional recovery harder. Learn more about what to...

Monday, February 5, 2024

A positive January has historically been a bullish sign for stocks. Yale Hirsch, creator of the “Stock Trader’s Almanac”, first discovered this seasonal pattern back in 1972, which he called the January Barometer and...

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Monday, February 5, 2024

Losing one's significant other is one of the most stressful of all possible losses, even if you've had some time to emotionally prepare for it. And while it can be tough to do more than put one foot in front of the other, losing a...

Monday, January 29, 2024

With the S&P 500 having recently ascended to a fresh record high after such a strong 2023, it’s natural for investors to worry that valuations have become over-extended. On traditional valuation measures, valuations do appear...

Saturday, January 27, 2024

With the cost of college expensive for many, receiving a tax break from the IRS for college-related expenses may be appealing. 529 Plans and Coverdell Education Savings Accounts (ESAs) offer tax-advantaged withdrawals when used for...

Monday, January 22, 2024

Shipping disruptions in the Red Sea could temporarily impact goods prices but not at the same magnitude as during the pandemic. Tight financial conditions, slowing economic growth, and a disinflationary trend all support the Federal...

Saturday, January 20, 2024

The highly sought-after six-figure salary isn’t what it used to be. Time Magazine reported a startling statistic from a survey conducted by the financial insight and advising companies PYMETS and Lending Club which found that 51%...

Tuesday, January 16, 2024

Fourth quarter earnings season kicked off last week, and markets were generally left wanting more. That doesn’t necessarily mean this earnings season will be disappointing, especially considering the bar has been lowered so much....

Saturday, January 13, 2024

You started a business, took the initial steps to build a foundation, and are now working to grow and expand your customer base. What are the next steps to take? Here are five suggestions to help your business prepare for potential...

Monday, January 8, 2024

As China emerged a year ago from the shadow of the stringent zero COVID-19-related measures that all but shut down its economy for over two years, much was expected in terms of its economic growth prospects. There were numerous...

Saturday, January 6, 2024

The picture-perfect model of success, painted by the 1980s generation, was dominated by corporate ladders, sprawling houses, and luxury cars. But a wind of change has been blowing through the aspirations of today’s generation,...

Tuesday, January 2, 2024

To say 2023 was challenging may be an understatement. While stocks had a surprisingly impressive year, there was no shortage of obstacles for investors to overcome, including historic interest rate volatility, recession risk, banking...

Monday, December 18, 2023

Following the Federal Reserve’s (Fed) aggressive rate-hiking campaign in 2022 and 2023, stocks are entering a phase in which the market narrative is focused on interest-rate stability — as inflation, we believe, comes down...

Saturday, December 16, 2023

Do you pride yourself on being thrifty, consistently taking care to buy budget products, clip coupons, and shop at big warehouse stores? If so, give yourself a pat on your back—you are taking smart steps to protect your financial...

Tuesday, December 12, 2023

Despite a heavy lobbying effort to cajole OPEC+ members to agree to a unified cut in oil production, Saudi Arabia, the de facto leader of the energy cartel, was unable to orchestrate anything more than pledges on a...

Saturday, December 9, 2023

What is the reasonableness test? When forecasting what the future might bring, whether in terms of income or expenses, it is always prudent to ask what is actually reasonable to expect. The question is simple, but the answer, often, is...

Monday, December 4, 2023

Opportunities abound in the markets, even during periods when the economy appears ripe for a regime shift. Recent growth metrics surprised to the upside, but leading indicators point toward some downside risk. In this edition of...

Saturday, December 2, 2023

Starting your life together as a newlywed couple comes with many new responsibilities and opportunities, including creating a solid financial foundation for your future. Here are some essential financial planning tips to help you...

Friday, November 24, 2023

As age 73 nears, it is critical that you begin considering how you want to handle the required minimum distributions (RMDs) you are obligated to withdraw from your tax-advantaged retirement accounts, including 401(k)s, 403(b)s, 457s,...

Monday, November 20, 2023

As the market appears to be taking a rest and consolidating its $2.7 trillion rally leading up to the Thanksgiving holiday, the historical pattern over the last five years suggests the shortened holiday week typically enjoys modest...

Friday, November 17, 2023

A 401(k) plan is one of the most popular and effective techniques for saving for your retirement. A company will automatically withdraw and contribute money from each paycheck to your 401(k) plan. Some employers will even match a...

Monday, November 13, 2023

There is nothing like an eight-day winning streak to change the market narrative. Stocks have quickly gone from a correction to a comeback this month, and the S&P 500 is now challenging key resistance at 4,400. While a confirmed...

Friday, November 10, 2023

Qualified Charitable Distributions (QCDs) are vital for those who must take an annual required minimum distribution (RMD) but seek a tax-advantaged strategy that may help lower their adjusted gross income (AGI). Using a QCD strategy,...

Monday, November 6, 2023

It’s been another volatile year for municipal (muni) investors this year. While generally outperforming U.S. Treasuries, the Bloomberg Muni Index is on track for its second calendar year of negative returns—something that...

Friday, November 3, 2023

Thanksgiving is a special time when family members travel long distances, some from across the country, to be reminded why they moved so far away in the first place. Humor aside, Thanksgiving is a beautiful tradition for families to...

Monday, October 30, 2023

Cash and cash equivalent investments can be a great tool to use for short-term goals and needs. When people refer to cash and cash equivalents in the investing world, they are often referring to money market mutual funds, CDs, US...

Monday, October 30, 2023

It’s a tradition here to write about what scares us around Halloween each year. The past few years have offered plenty of material to use in these annual commentaries, but with wars in Israel and Ukraine ongoing, Washington, D.C...

Saturday, October 28, 2023

With the spooky season already here, you may wonder if there is anything that can be done to enter 2024 as financially secure as possible. This is a great time of year to look back —and forward — to set goals and track...

Monday, October 23, 2023

Despite headwinds, the U.S. could experience structural changes in the labor market, residential real estate, and inflation as the post-pandemic economy progresses into the New Year. As markets adjust to a new regime, investors should...

Saturday, October 21, 2023

Investing your money is a great way to prepare for retirement and help your financial goals. While investing is vital for smart saving, not all investments are on the up and up. While there is always some degree of risk when investing...

Monday, October 16, 2023

Earnings season has kicked off with several of the big banks and a handful of other blue-chip companies having already reported results for their calendar third quarters. The key headline this reporting season will be the (likely) end...

Saturday, October 14, 2023

If you're a business owner, you are likely the Chief Everything Officer at work and have many responsibilities. A business owner's situation is unique since they are asset-rich and cash-poor since their wealth is in their...

Monday, October 9, 2023

U.S. Treasury yields have seemingly been moving in one direction lately (higher), with the 30-year Treasury yield temporarily breaching 5% for the first time since 2007. The move higher in yields (lower in price) has been unrelenting,...

Saturday, October 7, 2023

Generational wealth involves financial planning, where parents or grandparents pass wealth to loved ones after they die. Entrusting family members with receiving an inheritance is more than just getting a hold of assets or a check in...

Monday, October 2, 2023

After a difficult September for stocks, investors are surely ready to flip the calendar to October. That’s the month that kicks off the historically strong fourth quarter. Expecting this pattern to repeat this year is tricky...

Saturday, September 30, 2023

Having a desire to give and a philanthropic mindset are both important qualities to possess in modern society. With so many economic and social challenges in society, contributions to charities and philanthropy efforts are needed now...

Thursday, September 21, 2023

In early 2022, the IRS issued proposed regulations regarding required minimum distributions (RMDs) to reflect changes made by the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019. The IRS has held off on...

Monday, September 18, 2023

Recent data suggests economic conditions in Europe are deteriorating, removing a key element of LPL Research’s positive view of the attractively valued developed international equities asset class. Previous U.S. dollar weakness...

Thursday, September 14, 2023

When was the last time you took steps to optimize your 401k? If it has been a while, you are not alone. Research indicates that only one in three Americans utilize employer-sponsored 401k retirement accounts; even those contributing...

Monday, September 11, 2023

The BRIC acronym, without the “S,” was introduced in 2001 by the Goldman Sachs chief economist who highlighted the prodigious growth and investment prospects of Brazil, Russia, India, and China combined. In 2009, Russia...

Thursday, September 7, 2023

The importance of retirement savings has been gaining traction among younger workers, with Generation Z and Millennials taking a proactive approach to secure their financial futures. According to new research from Vanguard, younger...

Tuesday, September 5, 2023

The following content is prepared by LPL Research -- Fixed income investors have had a rough time over the last few years. Normally a staid asset class, core bonds (as proxied by the Bloomberg Aggregate Bond Index) have seen negative...

Saturday, September 2, 2023

Deciding on which college to attend is an exciting time. Still, it can also be stressful. The Department of Education has been working to simplify the Free Application for Federal Student Aid (FAFSA) application process with a few...

Monday, August 28, 2023

The Federal Reserve (Fed) often uses the Jackson Hole Symposium to announce tweaks in policy. Other central bank leaders are also worth watching as investors try to perceive where rates will be in the coming months. In this piece, we...

Friday, August 25, 2023

Multigenerational travel can be a wonderful experience for the entire family. Children who do not get to spend much time with grandparents can enjoy one-on-one time with them, and participating in activities as a group can create...

Monday, August 21, 2023

Volatility has returned right on queue as U.S. equity markets continue to pull back from overbought levels. The recent jump in interest rates has proven to be too much too fast for stocks to absorb, especially for the heavyweight and...

Friday, August 18, 2023

As you enter the workforce and start to earn a regular income, it's easy to get carried away with newfound financial freedom. However, this can often lead to costly money mistakes that can have long-lasting consequences.Here are some...

Monday, August 14, 2023

It’s different this time. The four (or five) most dangerous words in investing. We’ll take the risk and use those words here as we break down the recent decision by credit rating agency Fitch to downgrade U.S. government...

Friday, August 11, 2023

As high school comes to an end, a new chapter of life awaits high school seniors. It's an exciting and transformative time, but it also brings about new responsibilities and financial challenges. Developing good financial habits early...

Monday, August 7, 2023

The following content is prepared by LPL Research -- Earnings season is mostly behind us with about 85% of S&P 500 companies having reported second quarter results. The high level results aren’t particularly impressive, but if...

Friday, August 4, 2023

From opting for metal or rubber straws in lieu of disposable ones to saying goodbye to a daily commute by working remotely, sustainable living is a hot topic for many households. But living a more sustainable life isn't just good for...

Monday, July 31, 2023

The economy is doing better than expected, and the markets are responding accordingly. In this piece, we discuss some of the factors that cause us to think the Federal Reserve (Fed) hiked for the last time in this cycle as inflation...

Friday, July 28, 2023

529 plans are tax-advantaged savings vehicles designed to accumulate contributions and help pay for the beneficiary's qualifying education expenses. Sometimes, 529 plans have unused funds after the beneficiary graduates or decide to...

Monday, July 24, 2023

The first half of the year probably didn’t go the way many fixed income investors had hoped, particularly after the historically awful year last year. It wasn’t a horrible start—more in line with recent...

Friday, July 21, 2023

As young professionals, we have been accustomed to the innovations of Silicon Valley drastically reshaping our lives, from how we communicate and entertain ourselves to how we shop. Now, this disruptive force has arrived at our...

Monday, July 17, 2023

The following content is prepared by LPL Research--Earnings season is upon us as some banks and a small handful of other blue chip companies have already reported results for their quarters ending June 30. The results on the surface...

Friday, July 14, 2023

As the days get longer and summer makes its debut, it’s time to turn your attention to your outdoor spaces. Whether you are updating your home for a quick sale or just want to choose a project that will contribute to increased...

Friday, July 7, 2023

In an era characterized by high job turnover, it is more important than ever for employees to carefully manage their retirement savings. With a significant portion of Americans withdrawing money from their 401(k)s when they change...

Monday, July 3, 2023

The long dormant capital markets have recently begun showing signs of interest from institutional investors and deal makers anxious to bring companies to market. While activity remains muted at best, expectations are focused on 2024,...

Friday, June 30, 2023

For many people, entrepreneurship is the ultimate American dream. Five years ago, there were already more than 25 million Americans running their own businesses.1 And with the COVID-19 pandemic leading many W-2 workers to...

Tuesday, June 27, 2023

We know it’s old news at this point, but on June 8, 2023, the S&P 500 entered a new bull market. After such a strong rally off the October lows, this young bull probably needs a breather. A look at the charts suggests this market...

Thursday, June 22, 2023

If you’re retired, there’s good news in that you’ll probably live longer and perhaps better than your parents and grandparents did. The bad news: You’ll live a longer and perhaps more expensive life, too.You...

Tuesday, June 20, 2023

As the economy is likely downshifting, investors should take heed that the Federal Reserve’s (Fed) current stance is eerily similar to early 2007.  During that time, the Fed held a tightening bias since they believed the...

Thursday, June 15, 2023

Family Enterprise USA (FEUSA), a non-profit organization dedicated to promoting and supporting family-owned businesses in America, has recently conducted a comprehensive survey among family businesses in the country. The Family...

Tuesday, June 13, 2023

So far this year in the US markets, there have been a handful of stocks that have driven most of the return. Dave McGarel of First Trust posted in his June 2nd Market Minute, “By almost any account, the S&P 500 Index...

Monday, June 12, 2023

The Federal Reserve (Fed) meets this week where it is largely expected to not raise short term interest rates for the first time in 15 months. However, Fed messaging has been all over the place in recent weeks. While some Fed...

Thursday, June 8, 2023

With age comes responsibility, so if you're a young adult in your 20s or 30s, chances are you've been introduced to the realities of adulthood. While you're excited by all the opportunities life has to offer, you're also aware of your...

Monday, June 5, 2023

Stocks have had a nice run, but at higher prices, the bar for further gains gets higher. We have recently made the case in this publication that there are a lot of reasons to expect the market to go higher between now and year end. But...

Thursday, June 1, 2023

Parenthood can be both wonderfully rewarding and frighteningly challenging. Children give gifts only a parent can understand — from sticky-finger hugs to heartfelt pleas to tag along on Saturday morning errands. You raise them...

Tuesday, May 30, 2023

The mega-cap technology companies have powered the broad market higher this year. In fact, the 8.1% gain in the S&P 500 year to date has been driven entirely by six mega-cap stocks: Apple (AAPL), Microsoft (MSFT), NVIDIA (NVDA), Meta...

Thursday, May 25, 2023

Being a doctor comes with a lot of stressors, but planning for taxes should not be one of them. As a doctor, you have been through years of hard work and may be looking for ways to help limit your tax liability and preserve as much of...

Monday, May 22, 2023

Economists like to remind us there is no such thing as a free lunch. In investment parlance, that just means all investments carry risk—even cash. And the big risk with cash is reinvestment risk. That is, while short-term rates...

Thursday, May 18, 2023

If you're a business owner, you are likely the Chief Everything Officer at work and have many responsibilities. A business owner's situation is unique since they are asset-rich and cash-poor since their wealth is in their...

Monday, May 15, 2023

The following content is prepared by LPL Research--First quarter earnings season is nearly complete, and it has caused us to regret titling our earnings preview commentary on April 10, “Malaise Continues.” While the...

Thursday, May 11, 2023

The COVID-19 pandemic has turned many industries on their heads, and in many parts of the country, the wedding industry is among them. Time-honored customs like the newly-wed couple mingling from table to table, talking to hundreds...

Monday, May 8, 2023

Much has been written lately about the threats facing the reserve currency status enjoyed by the U.S. dollar. “De-dollarization” headlines appear on a near-daily basis, suggesting the dollar’s reign is in looming...

Thursday, May 4, 2023

Planning for marriage should involve more than just picking out invitations and deciding whether you should serve chicken or fish at the reception. More importantly, you'll want to take a look at how marriage will impact your financial...

Monday, May 1, 2023

The following content is prepared by LPL Research--“Sell in May and go away” is probably the most widely cited stock market cliché in history. Every year a barrage of Wall Street commentaries and stories in the...

Thursday, April 27, 2023

Business succession planning — what is it? One of the important decisions a business owner must face is when and how to step out of the business — in other words, business succession planning. Do you expect to retire from...

Monday, April 24, 2023

The following content is prepared by LPL Research--Investors use various analogies to describe the importance of small businesses in the domestic economy. Some refer to the small business sector as the backbone or the lifeblood of the...

Thursday, April 20, 2023

While you never know your needs as you age, the first step is thinking about your financial situation and health today so you can plan for your later years. With a one in four chance of making it to our 90th birthday, being independent...

Monday, April 17, 2023

The following content is prepared by LPL Research--The commercial real estate (CRE) market has recently captured the spotlight after being flagged as the next potential shoe to drop following last month’s banking turmoil. While...

Thursday, April 13, 2023

Teaching children about money and financial literacy through games can make learning fun. Financial literacy games can also prepare children for financial confidence in adulthood while making parents and children comfortable talking...

Monday, April 10, 2023

First quarter earnings season kicks off this week with some big banks reporting toward the end of the week. In some ways this quarter’s earnings season will probably be déjà vu all over again—earnings declines and...

Thursday, April 6, 2023

Financial literacy is crucial, not only for adults but for everyone in the family. When you have a good foundation of financial literacy, you will have a greater understanding of money and prepare yourself for a brighter financial...

Monday, April 3, 2023

Financial markets and the Federal Reserve are reading from two different playbooks. Who is right? The markets are pricing in several rate cuts by the end of this year, while the Federal Reserve communicated more rate hikes with an...

Monday, March 27, 2023

The following content is prepared by LPL Research--A lot has changed in the past few weeks, both in terms of expectations for interest rates and lost confidence in the health of the banking system as a result of the sharp rise in...

Thursday, March 23, 2023

What is it? Introduction If you're the beneficiary of a large inheritance, you may find yourself suddenly wealthy. Even if you expected the inheritance, you may be surprised by the size of the bequest or the diverse assets you've...

Monday, March 20, 2023

The following content is prepared by LPL Research--The Federal Reserve (Fed) has a history of raising short-term interest rates until something “breaks.” Considering the Fed has raised rates from a near-zero level to 4.75%...

Thursday, March 16, 2023

There are many reasons why people save money. For some, it is so they can enjoy a certain amount of financial confidence and freedom, while others squirrel away money for emergencies or future plans like the down payment for a home,...

Monday, March 13, 2023

Last week did not play out how we anticipated. Coming into the week, it was all about Federal Reserve (Fed) Chair Jerome Powell’s congressional testimony and the February jobs report. Instead, we got a shockingly fast collapse of...

Thursday, March 9, 2023

Generation Z, also known as Gen Z, is the demographic group born between 1997 and 2012. This generation is characterized by its confidence and ambition, and many members of Gen Z believe that they can retire at the age of 59. There are...

Monday, March 6, 2023

The following content is prepared by LPL Research--Suggesting an economy makes “no landing” makes no sense. Analogies eventually break down, especially this one. Economic activity does not stop like an airplane eventually...

Thursday, March 2, 2023

Employee benefits are an important part of any company's strategy to attract and retain top talent. As the workforce continues to evolve, employee benefit trends are also changing to meet the needs of employees. Here are five trends...

Monday, February 27, 2023

While concerns about the debt ceiling have been increasing, markets, businesses, and the economy are likely to see only minimal impact until we are days, or maybe a few weeks, from the “x date,” the date on which the...

Thursday, February 23, 2023

Retirement planning may not be your idea of an exciting date night. However, retirement strategies and goals are so varied that couples in committed relationships need to set aside time to discuss plans for when they leave the...

Tuesday, February 21, 2023

Markets have adjusted to several changes this year. The pace at which inflation has cooled is slowing. The market has started to believe the Federal Reserve’s (Fed) “higher for longer” message. The bar for earnings...

Thursday, February 16, 2023

It's common for people who are retiring to set their retirement date in either the springtime or the early summer. If you happen to be one of those lucky folks who are going to retire this year, then "Congratulations!"But before you...

Monday, February 13, 2023

The following content is prepared by LPL Research--Soft landing or no soft landing, that is the question, with all due respect to William Shakespeare. But while this may be the most commonly asked question these days, it may not be the...

Monday, February 13, 2023

Nobody likes the feeling of a down day in the market, let alone a down week, month, or year. It can be tempting to try to time the market, seeking to avoid the bad times and get in for the good times. Part of the problem with this approach

Thursday, February 9, 2023

Getting Out of the Market Because of Taxes? Are you thinking about bailing out of stocks because you are worried that the capital gains tax structure might change? Before you hit the sell button, think it over carefully and make sure...

Monday, February 6, 2023

Investors got more excited about international investing late last year. Some of that was chasing better returns, as developed international equities solidly beat the U.S. over the last three months of 2022. Some was the increased...

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...

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 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...

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.

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

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

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

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

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 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 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

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, 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, February 22, 2022

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