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Wednesday, November 24, 2021

Who or what inspired you to become an advisor? Was it a moment in your life or do you have a love of finances or helping people? Were you inspired by another advisor? In 2001 my father died suddenly from cancer, then in 2006 my...

 

Tuesday, November 2, 2021

What typical investors need to know We all read and hear about various special deals, “doorbusters,” price cuts, and early opening hours on Black Friday. We also read and hear about the Cyber Monday deals. These sales days...

 

Tuesday, November 2, 2021

What do you think of when you hear the words long-term care (LTC)? If you are like most people, the first image that may come to mind is a bedridden, elderly individual who requires constant care, along with various medical treatments...

 

Tuesday, November 2, 2021

For some, 2021 has flown by—and as we approach the last quarter of the year, it's a good time to begin planning for the next one. Year-end planning is especially important for retirees and those hoping to retire in 2021 or 2022....

 

Wednesday, October 13, 2021

It may be easy to forget we're nearing the end of the year. Even during the busy end of year rush, it's a good time to reevaluate your 2021 finances and turn an eye toward 2022. What can you do now to potentially improve and streamline...

 

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Wednesday, September 29, 2021

As more and more women assume leadership roles in businesses, it is changing the attitude and sometimes even the future of the workplace. Female bosses may teach business leaders a lot about engaging with employees, promoting their...

 

Wednesday, September 29, 2021

No matter where you are in life, you may have at least a few financial goals. Perhaps you want to buy a house, save for your child’s college education, or retire early. Regardless of what your goals are, financial planning can...

 

Wednesday, September 29, 2021

Organization, efficiency and discipline can be considered as three primary steps of financial planning. Organization is knowing where your money comes and goes. An efficient portfolio means working towards a better chance of profits,...

 

Wednesday, September 29, 2021

Whether you're still living at home, in school, or starting your career, your late teens and twenties present a prime opportunity to think about your financial future. Though you may not hit your peak earning years until your 40s or...

 

Tuesday, August 31, 2021

2020 was one of the most disruptive years ever for the U.S. job market, almost as significant as the unemployment during the Great Depression in 1933 and surpassing joblessness during the Great Recession from 2006 to 2008. Many...

 

Tuesday, August 31, 2021

Have you ever thought about the important role life insurance can play in helping you manage a variety of important financial objectives? Let’s look at some “slice of life” hypothetical examples and you’ll see...

 

Friday, August 27, 2021

Tapping your tax-advantaged retirement savings seems like a desperate financial move (because it is), yet also a sound one in specific circumstances. Best know what you get into with 401(k) loans in terms of time, payback and risk....

 

Sunday, August 15, 2021

It’s so easy to get caught up in the bliss of summer that, before you know it, the new school year is a week away. To avoid being struck with last minute panic, here are a few things to ask yourself before the first day of school...

 

Friday, August 6, 2021

When it comes to planning for retirement, it's easy to get overwhelmed. Putting together a financial strategy can be complicated at any time of life, what with changing regulations, ups and downs in the market, and disagreements...

 

Friday, July 16, 2021

Markets, economists and policymakers have been fretting about inflation for months, worried that the trillions of dollars being spent in recent and future government stimulus programs could overheat the economy and send prices soaring....

 

Friday, July 9, 2021

Small businesses are part of the backbone of the U.S. economy, providing jobs, services, products, and stability for millions of families. But how much do you really know about small businesses? Test your knowledge with our...

 

Thursday, July 1, 2021

If you're living paycheck-to-paycheck or stuck in a job you don't love just to pay the bills, it can be easy to feel as though you're financially trapped. But financial freedom doesn't need to be elusive—with some focused and...

 

Friday, June 18, 2021

Summertime is great for walking and playing in the sunshine with your pet. Unfortunately, pets have a harder time keeping cool when the temperatures soar. Here are some tips to keep your pet safe, healthy, and happy under the fun sun....

 

Tuesday, June 15, 2021

Gifting, for many investors, is about the philanthropic support they want to give charities. Gifting to help make the world better by benefitting society is one reason many families choose to donate. The charitable giving tax deduction...

 

Friday, June 11, 2021

For more than 200 years, long before the advent of modern stock markets and electronic trading, some investors have been committed to socially-responsible (SRI) investing.1 This involves choosing companies and products that...

 

Saturday, May 29, 2021

A 529 plan is a state-sponsored tax-advantaged plan designed for saving for future education expenses authorized by Section 529 of the Internal Revenue Code. If used for education, the assets grow tax-free. According to the College...

 

Wednesday, May 26, 2021

Mortgage rates are still around all-time lows but they may be headed higher. The 30-year national average mortgage rate hit an all-time low of 2.82% back in February, but with the U.S. economic recovery in full swing, mortgage rates...

 

Wednesday, May 26, 2021

When one door closes, another opens—and entrepreneurs who keep this mantra in mind are more likely to remain on top once the world has moved beyond the novel COVID-19 pandemic. What can business owners and other entrepreneurs do...

 

Wednesday, May 19, 2021

Inflation is all the rage after last week’s much hotter than expected inflation numbers. Our base case remains that this period of higher inflation will be transitory, as many of the forces that have kept a lid on inflation over...

 

Wednesday, May 5, 2021

Small business owners should conduct an annual assessment of their personal finances. Owners of small businesses have much the same concerns as everyone else, except they are personally responsible for the fortunes of their enterprise....

 

Tuesday, May 4, 2021

Times are uncertain for everyone right now, but for teachers in particular. Depending on your school district's response to the coronavirus, you may be headed back into the classroom, meeting your students online, or juggling a hybrid...

 

Wednesday, April 28, 2021

Reducing your emotions can give you a better chance for investing success Money is always an emotional subject, but often when our emotions get involved with our investments we will make wrong decisions. And that can be a costly...

 

Wednesday, April 21, 2021

When you invest funds, you are preparing for your retirement and your future. But at the same time, you may also want to consider the impact your money has on the world. Ethical investment strategies seek to balance these two concepts....

 

Tuesday, April 20, 2021

The COVID-19 pandemic has rocked markets and reshaped the way we interact with each other. But one unexpected side effect of this pandemic has been investors' acceleration into the entry of environmental, social, and governance (ESG)...

 

Friday, April 16, 2021

Everyone needs to make smart financial decisions that steer them toward financial independence. When people thrive financially, they may feel less financial stress, leading them to accomplish short and long-term financial goals. Here...

 

Tuesday, April 13, 2021

“The real key to making money in stocks is not to get scared out of them.” Peter Lynch They say April showers bring May flowers. Well, after a lot of showers and storms over the past year, flowers are starting to bloom and...

 

Wednesday, April 7, 2021

Is it about getting the money back or minimizing the risk of bad outcomes? Although Social Security did not come into existence until 1935, it can trace its roots back to the first national pension program for soldiers that was passed...

 

Thursday, April 1, 2021

The History of April Fool’s Day Long known as a day for pranks, the April Fool's holiday has a few possible origins[1] and has been celebrated in many countries for centuries. The holiday is typically marked by the delivery of...

 

Tuesday, March 30, 2021

The rules are very stringent, but your financial professional can help navigate Life insurance, which can help to provide for your heirs in the event of your death, can be an important estate planning tool. It can provide funds to...

 

Tuesday, March 23, 2021

As your retirement draws closer, you will probably start to have lots of questions such as: How much Social Security will I receive? When should I retire? How will I know when to retire? Do I have enough saved? What will I need to do...

 

Thursday, March 18, 2021

Remember, it is never too early to start planning for your future The time to begin planning for your financial future is now. So, when it comes to preparing for retirement, the earlier you start, the better. Here are some steps to...

 

Thursday, March 11, 2021

Tax identity theft is when someone steals your Social Security Number, files a tax return with your number, and directs a refund to their own bank account. In other cases, this type of identity theft may involve a scam artist calling...

 

Tuesday, March 2, 2021

With so many tax provisions tweaked in 2020—from the CARES Act in March to the Consolidated Appropriation Act in December—some taxpayers may find it challenging to get everything together in time to file their taxes by the...

 

Wednesday, February 3, 2021

Most people who decide to purchase stocks, bonds, mutual funds, or other investment vehicles do so understanding that there are risks associated with investing, but believing that the potential growth they may realize over time...

 

Wednesday, February 3, 2021

As of 2018, about 58 million Americans had a 401(k), while around one-third of households owned an individual retirement account (IRA).1, 2 Yet for as commonplace as these retirement accounts can be, the nuances of contributions are a...

 

Wednesday, February 3, 2021

Although a year away, your 2021 tax planning should have already started Amidst all the pandemic news and 2020 election drama, many might have missed that the IRS also quietly published new 2021 tax rates in late October and a there...

 

Wednesday, February 3, 2021

Is Brady or Mahomes better for stocks? Of course, we would not suggest investing based on this game, but with the big game around the corner, let’s talk Super Bowl Indicator. Historically, if a team from the AFC wins the Super...

 

Thursday, January 28, 2021

While the 2020 tax year saw some significant changes to filing deadlines due to the effects of the global pandemic, the 2021 tax season seems to be set to be on track with normal filing deadlines. With the pandemic still in sight, it...

 

Tuesday, January 26, 2021

This week’s Market Signals podcast discusses why positive COVID-19 news, solid small caps performance, high stock valuations, and more positive data trends are sending strong signals for 2021. Watch Market Signals: Positive...

 

Thursday, January 21, 2021

Use your best comparison-shopping skills when choosing a financial advisor Many financially successful people are comparison shoppers. If you’re one, you pore over ratings in consumer magazines, read websites for reviews and...

 

Friday, January 15, 2021

One of the top questions we’ve received recently has been what a blue wave may mean for investments. After the Democrats won the two Senate runoff elections in Georgia, they will now control the White House and both chambers of...

 

Thursday, January 7, 2021

Well, we can officially say goodbye to 2020. Although there still will be many challenges in 2021, we do see much better times ahead. Just how amazing was it? “2020 will go down in history as the first year to ever be down 30% at...

 

Tuesday, January 5, 2021

New Year's is traditionally the time to review your life and make resolutions for change. In addition to thinking about working out, eating healthy, and meeting personal and professional goals, you should also think about your...

 

Monday, January 4, 2021

After months of intense debate, the House and Senate voted to pass a second COVID-19 economic stimulus bill and the President has signed it into law.1 At a total cost of $900 billion, this 5,600-page bill[1] contains everything from...

 

Tuesday, December 22, 2020

2020 has been one of the most unprecedented years in recent history, but some things—like tax contributions and retirement deadlines—don't change much, if at all. And with the uncertainty surrounding just about everything,...

 

Wednesday, December 9, 2020

Tuesday, we released our 2021 market views in Outlook 2021: Powering Forward. We are extremely proud of this report and we can’t wait to hear your feedback! As we explain in Outlook 2021, we anticipate a strong earnings rebound...

 

Tuesday, December 8, 2020

It’s hard to look ahead to the next year, to 2021, without looking back at 2020. A global pandemic, a massive economic collapse, a bear market, a surprisingly sharp reversal, a hotly contested election where passions ran high,...

 

Tuesday, December 1, 2020

The holiday season is just a short time away, which means the shopping season is about to be in full swing. Shopping for holiday gifts is stressful but also a little fun, especially when you think about the joy you will bring to those...

 

Wednesday, November 25, 2020

Thanksgiving is one of the most widely celebrated holidays in both the U.S. and Canada with the purpose of celebrating the blessings of the past year. It is known as one of the busiest travel holidays of the year and in the U.S is most...

 

Thursday, November 19, 2020

Adjustments for deductions, tax rate schedules and 60 other tax provisions. The Internal Revenue Service announced annual inflation adjustments for the 2021 tax year for more than 60 tax provisions, including standard deductions and...

 

Thursday, November 19, 2020

One way to help boost returns without incurring any extra risk is called tax harvesting, which sounds a lot more difficult than it truly is. Simply put, it is the sale of securities at a loss in an effort to offset the capital gains...

 

Tuesday, November 17, 2020

Despite the dollars, fears and emotions – you can manage with planning Long-term care (LTC) keeps you functioning in the face of devastating illnesses, disabilities and prolonged disorders such as Alzheimer’s disease. LTC...

 

Friday, November 13, 2020

What are appropriate checklists for year-end tax planning? Tax planners often develop checklists to guide taxpayers toward year-end strategies that might help reduce taxes. Typically, suggestions are grouped into several different...

 

Friday, November 6, 2020

By the last third of the calendar year, you're likely to have a pretty good idea of what your annual income will be and whether any major expenses or big life changes await you. This can allow you to engage in more robust tax planning...

 

Thursday, November 5, 2020

The election is over, but the questions are mounting. We don’t know who will be the next president as of Wednesday morning, but we do know that stocks tend to do well the final two months of an election year. “Once the...

 

Wednesday, October 28, 2020

With the election only six days away and earnings season in full swing, stocks have bucked the usual October weakness during election years so far in 2020 (Monday’s losses notwithstanding). The good news is this could continue,...

 

Tuesday, October 27, 2020

Uncle Sam wants your money. He has bills to pay, just like you. And he's been waiting patiently for decades for you to hand over his share of your tax-deferred retirement dollars. He expects some folks to be stubborn about it, so he...

 

Thursday, October 22, 2020

If you've been wondering how to optimize your finances and ensure your money continues to work for you, a financial professional may be able to help. But the thought of turning over your most sensitive financial information to a...

 

Thursday, October 15, 2020

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review. Do you have a will and powers of attorney for...

 

Wednesday, October 14, 2020

With Election Day just under a month away and voting already taking place in many states, it is still anyone’s guess who will win on November 3. With all of the noise surrounding the election, we prefer to focus on the signals...

 

Friday, October 9, 2020

A growing number of Americans have been forced to delay their planned retirement date due to job and savings losses suffered during the past recession. Postponing retirement not only means working longer but also delaying when you...

 

Wednesday, October 7, 2020

Index Performance View expanded table. View expanded table. View expanded table. US and International Equities The S&P 500 Index gave back some gains in September after a strong five-month run, with most sectors finishing in the red....

 

Wednesday, September 30, 2020

Recent surveys have indicated that many of us are rethinking our retirement plans because of COVID-19. In fact, one survey from the nonprofit group Life Happens suggests that a whopping 43% of Americans say they plan to postpone and...

 

Tuesday, September 15, 2020

After years spent launching and growing your business, the day will finally arrive when you can sit back and enjoy the fruits of your labor. But, just as starting your business involved hard work and planning, the process of exiting...

 

Wednesday, September 9, 2020

While the direction of the 10-year Treasury yield over the last cycle was decidedly lower, as shown in LPL’s Chart of the Day, there were still six extended periods where it rose at least 0.75%, and in two of those it rose almost...

 

Thursday, September 3, 2020

Back to school this year will be different. On the one hand, like other years, it marks the end of summer, the arrival of cooler weather, kids hitting the books again, and Labor Day gatherings. But unlike other years, going back to...

 

Wednesday, September 2, 2020

The S&P 500 Index just closed the door on its best August since 1986, making new all-time highs along the way, while also closing up five months in a row. First things first, make no mistake about it; this is a new bull market. That of...

 

Friday, August 21, 2020

Healthy habits help people to stave off illness, have more energy, feel better emotionally, and perform better. What some people may not realize is that leading a healthy lifestyle may also significantly improve your longevity. Healthy...

 

Thursday, August 20, 2020

“Better late than never.” It took a while, but the S&P 500 Index finally made a new all-time high, coming all the way back from the vicious 34% bear market in less than six months. View enlarged chart. It might bring back...

 

Tuesday, August 18, 2020

From the financial pressures of running a small practice to the repayment of hefty student loans, these three careers (and the people who pursue them) can have more in common than you may think. Those working in the medical, legal, and...

 

Thursday, August 6, 2020

The battle versus COVID-19 continues. The spread in some of the recent hotspots like California and Florida is slowing, while states in the Northeast and Midwest are now experiencing increases in cases. According to the World Health...

 

Tuesday, August 4, 2020

There are several ways you might consider gifting money to your loved ones. In 2017, the IRS allows you to give up to $14,000 annually (or $28,000 if you give jointly with your spouse) in cash, investments, and/or property to each of...

 

Tuesday, July 28, 2020

Non-qualified deferred compensation plans (NQDCs) allow an employee to earn wages compensation, and bonuses in one year while deferring the income tax payment on them to be settled in a later year.1 Pros of Contributing to an NQDC As...

 

Friday, July 24, 2020

Social Security is the bedrock of Americans’ retirement income security. So you may have been concerned by the news that the federal government needed to dip into the Social Security’s trust fund to pay for the program...

 

Tuesday, July 21, 2020

New guidelines for retirement loans and distributions due to COVID-19 On June 19, 2020, the Internal Revenue Service announced new guidelines to help those affected by COVID-19 gain more access to retirement plan distributions and...

 

Friday, July 17, 2020

Whether you manage a trust for someone else, are the beneficiary of a trust, or are thinking of creating a trust, you probably have some questions about the "best practices" of trust management. A well-managed trust can help preserve...

 

Wednesday, July 15, 2020

AT THE MIDPOINT of 2020, we’re mindful that it’s been an extremely challenging year so far in the United States and around the globe. We’re in the midst of a pandemic that continues to impact all of us, our...