Blog
Welcome to our blog where we share insightful information and articles about financial planning, retirement planning, wealth management and more.
Advice to Advisors: Buy Japan, Hold U.S., Sell Europe
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...
Read More529 Plans and Financial Aid Eligibility
If you're thinking about opening a 529 account, or if you've already opened one, you might be wondering how 529 funds will affect your child's financial aid eligibility. A general word about financial aid The financial aid process is...
Read MoreRosh Hashanah Baking with Jodie!
Happy Rosh Hashanah! As many of us plan for the wonderful celebration with family and friends, I know many of you are probably like me, busy cooking a few days before the start of Rosh Hashanah! In honor of the holiday, I wanted to...
Read MoreThe Growing List—and Politicization—of BRICS and Friends
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...
Read More5 Must-Have Items for Your Financial First Aid Kit
Every year, around 3 million Americans are required to evacuate their homes due to a natural disaster.1 What's more, this figure does not include the millions of other individuals who are temporarily displaced as a result of fire,...
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Interest Rates Are Back to Normal, But What Is Normal?
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 returns over the last two calendar years and could...
Read MoreTax Planning Tips - Life Insurance
Understanding the importance of life insurance is one thing. Understanding the tax rules is quite another. As insurance products have evolved and become more sophisticated, the line separating insurance vehicles from investment...
Read MoreOpportunities and Risks in the Markets: Lessons Learned from the Grand Tetons
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...
Read MorePullback Perspective: The Reasons Why Stocks Are Pulling Back
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...
Read MoreInsurance Considerations for New Parents
Becoming a parent is a life-changing experience filled with joy, excitement, and new responsibilities. Amidst the preparations for welcoming your little one, it’s crucial to review and update your various insurance policies. This...
Read MoreHow This U.S. Debt Downgrade is Different from 2011
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...
Read MoreDeciding Between Wants And Needs
One of the hardest things to do, by far, is realizing when a want is not a need. Budgeting is a balancing act. The secret to sustaining yourself from day to day while also working towards financial goals is building a budget that...
Read MoreKey Earnings Season Takeaways
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 we peel back the onion, the numbers are encouraging....
Read MoreHow Student Loans Impact Your Credit
If you've finished college within the last few years, chances are you're paying off your student loans. What happens with your student loans now that they've entered repayment status will have a significant impact — positive...
Read MoreThe Best Investment: Teaching Your Children to Save and Invest
A 2022 Gallup Poll found that 58% of all adult Americans own stock. The top 1% owns more than half the total amount invested among those who own stock. 1 Making investing possible for your children, nieces, nephews and other loved ones...
Read MoreA Cloudy Outlook Makes for Choppy Markets
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...
Read MoreThe Great Wealth Transfer: Women, Are You Ready?
A great wealth transfer is coming as the Baby Boomer generation moves on, and women are likely to be the largest beneficiaries of passed-down wealth. Women are also building their own wealth despite continuing gender wage discrepancies...
Read More(Still) Waiting on the Fed to Be Done Raising Rates
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...
Read MoreA Pacific Coast Highway Road Trip
Between the popular cities of Los Angeles and San Francisco stretches the Pacific Coast Highway, a scenic route through some of America’s greatest views.One of the best vacations you could take this year requires a car, a thirst...
Read MoreEarnings Need to Do Some Heavy Lifting to Keep Rally Going
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 probably won’t offer much to write home about...
Read MoreOutlook 2023: The Path Toward Stability
Now that we’re beyond the midpoint of the investing year, it’s a great time to look at where we’ve been—to help position your portfolio for the latter half of the year. Our Midyear Outlook: The Path Toward...
Read MoreMutual Funds: Building Blocks for a Retirement Portfolio
Diversification — not putting all your eggs in one basket — is one of the most cherished principles of investing. That's one reason why mutual funds have become a popular choice for many investors' workplace retirement...
Read MoreGreat Member-Guest Golf and Asset Allocation
Tips to enhance performance on the golf course and with your investments. In the world of sports and finance, excellence often stems from meticulous planning, strategic decision-making, and effective teamwork. While golf and asset...
Read MoreCapital Markets: The Essence of American Capitalism
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,...
Read MoreThe New Standard and Poor's 500 Bull Needs a Breather
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...
Read MoreMarket Responses to Fed (In)Action
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...
Read MoreRetirees Don’t Miss Working, They Miss People
In 1938, Harvard researchers began a groundbreaking study to answer a timeless question: What makes us happy in life? Over the decades, the study has followed 724 people from diverse backgrounds, collecting health records and asking...
Read MoreUmbrella Liability Insurance
When your local weather forecaster tells you that it's going to rain, what do you do? That's easy--you reach for your umbrella. So why not purchase an umbrella that can protect you in stormy financial weather? Umbrella liability...
Read MoreFOMC Preview: Fed Skip, Pause, or Hike?
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...
Read MoreClosing Out Our Equities Overweight
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...
Read More529 Plans and Alternatives: Making an Educated Decision about Education Savings Options
Those that choose to invest in the education of a family member, friend or acquaintance are investing not only in that individual’s future, but also the future of society. It is an act of generosity, forward-thinking, and love....
Read MoreHow Much of a Problem is Concentrated Leadership for Stocks?
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...
Read MoreYounger Workers Stashing More for Retirement
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...
Read MoreThe Benefits of a 55 Plus Community
As we age it can become difficult to manage an entire household—especially one with a lot of yard space or multiple floors. In some cases, it makes sense to consider an active adult community, which is not necessarily the same as...
Read MoreWill History Rhyme? A Fed Pause Has Been Good for Fixed Income
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...
Read MoreMoney Mistakes that Young Professionals Make
Proactive tips to help you and your family pursue a confident financial futureAs 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...
Read MoreEarnings Update: Better than Feared Undersells These Results
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 “better than feared” label fit the past couple...
Read MoreRetiring as a Small-Business Owner: What to Know Before You Go
The thought of retiring may be intimidating for anyone—but if you own your own business, handing your "baby" to new owners might be enough to stop you in your tracks. What might you do to set your successor up for success? What...
Read MoreKing Dollar Still Rules: Why It Continues to Reign
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...
Read MoreInvestor Sentiment Tested
Spring is often thought of as an uplifting time, marked by growth and renewed hope as we emerge from the long months of winter and look ahead to the rest of year. Investors saw signs of such renewed hope in recent weeks, especially on...
Read MoreSell in May: Does This Stock Market Adage Come into Play
“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 financial press floods in about this popular, but overused...
Read MoreProtecting Your Loved Ones with Life Insurance
How much life insurance do you need? Your life insurance needs will depend on a number of factors, including the size of your family, the nature of your financial obligations, your career stage, and your goals. For example, when you're...
Read MoreHow to Save Money at Home
You might not realize it, but your daily household habits and the way you manage your home could be costing you money. Almost everything that you do in your house—including preparing your meals, doing the laundry, and even...
Read MoreDraining the Lifeblood of the Economy: The Small Business Sector
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 economy. At this current stage of the cycle,...
Read MoreMyths and Facts About Social Security
Myth: Social Security will provide most of the income you need in retirement.Fact: It's likely that Social Security will provide a smaller portion of retirement income than you expect.There's no doubt about it — Social Security...
Read MoreA Closer Look at Commercial Real Estate Market
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 rising rates have weighed on financing costs and the...
Read More3 Investing Lessons For Beginners You Won't Learn In School
Twenty-one U.S. states, including Kentucky, Texas, and Virginia, require public schools to provide high school students with financial literacy courses.1 But even among the school systems that provide general financial...
Read MoreEarnings Preview – Malaise Continues
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...
Read MoreThe Financial Impact of Mental Health
Mental health is essential to everyone’s well-being. Mental health disorders, diagnosed or not, may be playing a role in your daily life. Often, financial problems or worries may impact your mental well-being, especially if...
Read MoreWho Is Right, Federal Reserve or Financial Markets?
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...
Read MoreThe 36-Hour SVB Collapse and Hierarchy of Blame
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 interest rates that has led to some things...
Read MoreAre You An All-Star Investor? 3 Major League Investing Mistakes to Avoid
Though baseball and stock market investing may not seem to have much in common, there are a few key similarities—both are stats-driven and require focus, a relative lack of emotion, and a clear mind. And when it comes to...
Read MoreWading Through Financial Stability Risks: An Action Plan
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% (upper bound) over the course of only one year, it...
Read MoreHow Student Loans Impact Your Credit
If you've finished college within the last few years, chances are you're paying off your student loans. What happens with your student loans now that they've entered repayment status will have a significant impact — positive or...
Read MoreGirls' Day Tea
Girls' Day (Hina Matsuri) is celebrated on March 3rd. We celebrated with certificate presentations and a Japanese Tea Ceremony with a meal. Three students received certificates: Miyuki Miyamori, Jessica Diaz-Drake,...
Read MoreStress in Banking System | Latest Equity Asset Allocation Views
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...
Read MoreWomen and Investing: Greater Risks and Challenges
Despite progress toward financial planning and saving, women often face challenges regarding their financial security. Among these challenges is more time away from the workforce, the gender pay gap, and other factors that impact their...
Read MoreNo Landing. No Sense: Suggesting an Economy Makes “No Landing” Makes No Sense
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 does, but rather the economy will settle into a...
Read MoreWaiting For New Highs
Financial markets have experienced quite a bit of change this year in just two short months. We started the year hopeful that stocks would benefit from a better economic and monetary policy environment by the spring, but recent...
Read MoreSolving “The Case of the Missing Money”
Where does all your money go? The truth is usually not that mysterious. You can discover it with a little discipline on your part—along with the help of a budget. Many people spend their money in small increments without...
Read MoreDebt Ceiling Primer: What You Need to Know
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...
Read MoreFinancial Independence and Married Women
What Married Women Should Know About Financial IndependenceMarried women—particularly those with young children—are statistically more likely than other demographic groups to leave the workforce after marriage.1 Even for...
Read MoreWhat’s Changed in the Markets in 2023 and What it Could Mean
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...
Read MoreEntrepreneurship and Financial Risk: What You Need to Know
Entrepreneurs tend to be natural risk-takers but this doesn't mean committing to uncompensated risk. A wise entrepreneur considers their potential exposure before leaping into a new business venture, moving forward only on those...
Read MoreTrying to Stick the Landing: Can the Stock Market Do It?
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 most important or the toughest. That honor goes to...
Read MoreDoes the 60/40 Asset-Allocation-Pie Make Sense?
No allocation can cure the ill effects of stampeding in and out of marketsThe magic asset allocation number so often touted is a 60/40 split between stocks and bonds. This is supposed to give you the growth potential of equities and...
Read MoreBrightening Outlook for International Equities: Have the Tides Turned
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...
Read MoreOpportunities in 2023
Whether you’re one to set ambitious New Year’s resolutions or simply use the beginning of the year to reset on a few habits, there’s almost always some value in reflecting on the past year before looking ahead. The...
Read MoreHow Much Tax Should You Have Withheld?
Overpaying your taxes allows the IRS to hold onto your money longerEach time you start a new job, your employer will give you a Form W-4 to complete that determines the amount of Federal income tax that is withheld from each paycheck....
Read MoreWill January’s Market Hit the Trifecta? The Seasonal Indicators
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...
Read MoreWhat Should Millennials Consider Doing With Their Money?
As the oldest millennials have reached their forties, this generation is purchasing homes, paying off student loans, and starting their families. But while millennials might get some teasing for their "avocado toast" tastes and...
Read MoreA Feisty Bull-Bear Debate: Weighing the Pros and Cons
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...
Read MoreQ4 Earnings Preview: Pessimism May Be Overdone
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 currency impacts are likely to translate into a...
Read MoreGift and Estate Taxes
If you give away money or property during your life, those transfers may be subject to federal gift and estate tax and perhaps state gift tax. The money and property you own when you die (i.e., your estate) may also be subject to...
Read MoreDo You Need Financial Wellness?
Financial wellness is the ability to have a healthy financial life and feel good about your financial situation. Financial wellness doesn't have just one meaning because it can mean something different to each person. Financial...
Read MoreMarket, Stocks, and Bonds Lessons Learned from 2022
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 lessons learned commentary. We got some things wrong...
Read MoreReasons for Optimism
We wish you a happy New Year and hope you were able to close out 2022 with friends and family.The beginning of a calendar year is often the time when the previous year’s reflections transition to a new year’s hopes. Given...
Read More2023 Market Outlook: LPL Research Takes a Look at the Year Ahead
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 response to it. If 2022 was about recognizing imbalances...
Read MoreHomebuying 101: Gen-Z and Millennial Edition
According to the most recent Generational Trends report from the National Association of REALTORS®, Millennials currently make up the majority of home buyers, with Gen Z waiting in the wings as the next generation of...
Read MoreAre You Fiscally Fit? 5 Ways to Check the Health of Your Wealth
Just as it is important to be physically and mentally fit, it is also important to be fiscally fit. Fiscal fitness is not only about how much money you earn or the balance in your savings or retirement accounts. Instead, it is...
Read MoreOutlook 2023
Through all the challenges, newfound opportunities, and highs and lows we’ve experienced during the last couple of years, it’s no surprise why we might be striving for more balance. Whether it’s about the markets and...
Read MoreHistoric Year for Central Bank Activity and Rate Hikes
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 many meetings, taking the fed funds rate to 4.5%...
Read MoreKeep the Holidays Merry and Bright
The holidays are often filled with a lot of hustle and bustle that can make it difficult to prioritize our physical and mental health. To help you slow down and focus on your own well-being, here are some tips for having a happy and...
Read MoreDecember Down but Not Out: Seasonality Trends Point to Market Recovery
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 month. There are also some potentially supportive...
Read MoreWhat Insurance Policies Do You Need?
Insurance is a great way to protect yourself and your loved ones from high or unexpected costs. There are several different types of policies that you can purchase for different purposes, but here’s a closer look at how you can...
Read MoreResilient Consumers Have Not Saved Retail Stocks
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 position than usual at this point in the business cycle....
Read MoreHow The Secure Act 2.0 Could Change The Way You Save For Retirement
The pending legislation for the proposed retirement reform, better known as the Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0, is expected to be passed into law by the end of 2022. In March of this year, the...
Read MorePlaybook for a Fed Pivot: Exploring Equity and Fixed Income Market Performance
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 market has welcomed this news, history suggests the path...
Read MoreThanks and Giving: How You Make a Difference on Giving Tuesday
Giving Tuesday is a day to extend the goodwill that the holiday season may bring to help others. With so many in need, the holiday season is a reminder to help those less fortunate. Whether you want to donate your time or contribute...
Read MoreWinter Tea Ceremony
Robiraki—opening of the sunken hearth. This signals the beginning of winter tea and in Japan is done on the first day of the boar in November. The tea leaves that were picked in late April or early May are stored in a tsubo (or...
Read MoreAppropriate Checklists for Year-End Tax Planning
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...
Read MoreInflation and Rising Rates Supports Value
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 heating up as investors begin to consider whether the...
Read MoreBait-and-Switch Scams: What You Need To Know To Avoid Getting Caught
There is a saying that if it is too good to be true, it probably is. Even though you do not want to let an opportunity to save money pass you by, you need to be cautious when shopping or applying for a loan. In 2021 alone, the...
Read MoreHow Midterm Elections May Move Markets
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 market-friendly, although the bigger market driver...
Read More5 Expensive Long-Term Care Planning Mistakes to Avoid
The vast majority of Americans need long-term care. According to the U.S. Department of Health and Human Services, 70% of people over age 65 may need some long-term care during their lives.1 Unfortunately, planning for long-term care...
Read MoreFederal Reserve Preview: TRICK or Treat?
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...
Read MoreFinancial Planning and Living Globally
The past 100 years have seen changes in how people plan for their financial futures and how they live. Borders no longer restrict people from living in one country; their profession often takes them to parts of the world they never...
Read MoreThree Things to Know About Recessions: The 3 D’s
If the U.S. economy enters a recession, the causes and potential outcome 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 about...
Read MoreEstate Planning Challenges for Unmarried Couples
It seems that state and federal laws governing estate planning may be running behind the growing trend of couples living together outside of marriage. For these unmarried partners, more creative estate planning strategies could be the...
Read MoreLow Bar for Earnings Season Brings Third Quarter Expectations Down
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...
Read MoreHow to Help Protect Yourself Against Identity Theft
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...
Read MorePockets of Vulnerability Magnified by Monetary Policy
As Federal Reserve (Fed) officials continue to emphasize the Fed’s commitment towards restoring price stability, the dollar marches ever higher. Markets are currently pricing in another 75-basis point rate hike at the November 2...
Read MoreHow Financial Planning Can Help Prepare for LTC Costs
With the cost of long-term care (LTC) increasing year over year, considering how the costs of long-term LTC will impact your financial plan is essential. According to insurance company Genworth, the price of LTC services increased...
Read MoreMarkets on Watch as Xi Jinping’s Influence to be Tested in October
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,...
Read MoreTerm vs. Cash Value Life Insurance
Which type of life insurance is better--term or cash value? Insurance buyers have been asking this question for generations. When choosing between these two fundamentally different alternatives, you'll need to think about the amount of...
Read MoreWhy It May Be Time to Take Advantage of Higher Yields
The LPL Research Strategic and Tactical Asset Allocation Committee is increasing its recommended interest rate exposure in its tactical allocation from underweight to neutral. Now that interest rates have moved substantially higher, we...
Read MoreHere Are Four Reassuring Facts Around Market Volatility
1) Volatility may be uncomfortable … but it’s normal.Just like muscle fatigue is part of any intense training program, volatility is an unavoidable part of the investment process as well. It’s easy for investors...
Read MoreEstimating College Costs
What is the forecast for college cost increases?A college education is expensive. All those benefits of personal growth, expanded horizons, and increased lifetime earning power come at a price, a price that increases every year....
Read MoreHow Much Higher Can Rates Go?
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. Treasury yields continue to move higher as well. We think we’ve...
Read MoreHere’s Why Your Credit Score Matters and How to Improve It
Credit can be a scary subject to approach, whether or not you want to jump into it isn’t an option in most cases; credit determines a lot, but it can also be a great financial tool when used properly. When your credit score is...
Read MoreGetting Jobs Market Back into Balance
Federal Reserve Chairman Jay Powell reiterated his warning that getting inflation under control will require some pain. Powell is likely making these warnings based on the arcane, clunky relationship between inflation and unemployment....
Read MoreThe Best and Worst of Times
When it comes to stock market performance, August was “the best of times, and the worst of times.” The strong market rally that peaked in mid-August was viewed by many analysts as a transition from a bear to bull market,...
Read MoreSeptember’s Calendar Cruelty for Stocks
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 of September. While we got some welcome news in Friday’s jobs...
Read MoreNational Life Insurance Awareness Month
It’s also a good time to talk about the insurance crisis facing baby boomersBaby boomers’ huge numbers and surprisingly shaky health threaten government old-age benefits. That’s why you need to bolster your own...
Read MorePreparing for the Worst: Disaster Planning
Given the daily responsibilities of running a business, planning for an event that may or may not happen may not seem to be a priority. But by preparing for a major disaster, your company will be in a better position to cope with more...
Read MoreEarnings Recap: Still Hanging In There
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...
Read MoreWomen and Money: Taking Control of Your Finances
As a woman, you have financial needs that are unique to your situation in life. Perhaps you would like to buy your first home. Maybe you need to start saving for your child's college education. Or you might be concerned about planning...
Read MoreHome Sales Fall (Again). What’s Next?
Existing home sales fell 5.9% in July, the sixth consecutive month of declines as higher interest rates weigh on housing affordability and prospective buyers. As the housing market slowed, so did prices. The median price for a single...
Read MoreThe Pros and Cons of Living Next to a Golf Course
Golf courses are majestic pieces of land. Just imagine it: the perfectly tended grass, luscious landscaping, and tranquil bodies of water. It can leave both golfers and non-golfers in awe. And for some, a golf course might seem like...
Read MoreHow to Make Cosigning a Student Loan a Breeze
Use the loan application process as a learning experience. A college education is a valuable asset that can pay dividends for a lifetime, but paying for the cost of college alone can be a challenge. If you want to help a family member get
Read MoreIs This the Start of a New Bull Market?
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...
Read MoreLessons from the Great Recession of 2007 – 2009
Before the next recession hits, make sure you are preparedAfter the Great Recession from 2007 to 2009 hit, far too many Americans found themselves without any savings to get through the hardships of unemployment, falling house prices,...
Read MoreThe Case for a U.S. Recession Weakens
The market pundits remain intensely focused on the question of whether the U.S. economy is in or about to enter recession, so we thought a piece on what a recession might mean for the stock market would be of interest. While...
Read MoreUnderstanding the Pros & Cons of I Bonds
The purchase limitations and the lock-up periods need to be evaluated. I bonds are U.S. savings bonds designed to protect the value of your cash from inflation. And with inflation surging to 40-year highs, investors are especially...
Read MoreWhat a Week for the Stock Market
That was quite a week. These days a Federal Reserve (Fed) policy meeting alone gets a lot of headlines and has market participants on the edge of their seats. Add to that the second straight quarter of negative gross domestic product...
Read MoreFive things that economists know, but sound wrong to most other people
Economists have shaped the modern world in many ways. Governments make policy choices in response to the data that we produce about things like GDP and inflation. Social media companies use our insights about human behavior to create...
Read More3 Factors That Could Change the Inflation Course
For the past year, supply-related problems contributed more to inflation than demand-related imbalances, but that may be changing soon. There are at least three factors that could change the course of inflation. First, the improvement...
Read More9 Facts About Retirement
Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. For others, it will be a time to start a new business or begin a charitable endeavor. Regardless of what approach you intend...
Read MoreManaging Market Volatility
Markets rarely give us clear skies, and there are always threats to watch for on the horizon, but the right preparation, context, and support can help us navigate anything that may lie ahead. So far, this year hasn’t seen a...
Read MoreMidyear Outlook - Navigating Turbulence
Markets rarely give us clear skies, and there are always threats to watch for on the horizon. But the right preparation, context, and support can help us navigate what lies ahead. So far, this year hasn’t seen a full-blown crisis...
Read More5 Financial Facts About the Sandwich Generation
The "sandwich generation" is the descriptive term for adults generally between the ages of 40 and 59 who are raising a minor child (or supporting a grown child) while also caring for a retirement-age or older parent. With financial...
Read MorePreserving American History
Financial Advisor, Jodie Cohen, and her husband have an interest in preserving American History. They have a passion project restoring a historic fire station in Lagro, Indiana. Built in 1840 and a part of the original town plat, the...
Read MoreLooking Forward
As the calendar has turned to July, investors would certainly like to forget the first six months of 2022. However, the Fourth of July Independence Day holiday does bring with it reason for celebration. Not only is it the 246th...
Read MoreConstructive, Not Complacent: Lowering S&P 500 Target
Stocks have been unable to make up much ground since the June 16 lows, with a bear market rally amounting to only around a 4.3% gain in the S&P 500 Index since then (as of July 1). After the more than 6% rally the week of June 24 and...
Read MoreLiving Beyond Your Means Won’t Bring Happiness
Jeff Prince, Jodie Cohen, Steve Bailin. PBC Private Wealth. Face your financial fears with care, awareness and careful judgmentDo you ever feel that no matter how much money you earn, it’s never enough? Do you spend beyond your means?
Read More5 Life Events That Impact Your Life Insurance Needs
A life insurance policy is part of financial planning. Life insurance is there to help ease the financial trauma that comes with the loss of a spouse, parent, or partner. As you encounter different events in your life, you may need to...
Read MoreRelief at the Pump and for Portfolios?
2022 has been rough all-around for the American consumer. Not only are we battling decades-high inflation, but investors’ portfolios are off to one of the worst starts to a year in history as we near the halfway point. Our...
Read MoreBear Market Q&A
The bear market that started on June 13 has left the S&P 500 Index 23.5% below its January 3 high. After the initial positive reaction to the Federal Reserve’s first 0.75% rate hike since 1994 and tough talk on inflation,...
Read MoreThe Buying vs. Renting a Home Dilemma in 2022
Think about what’s suitable for you – not what others think is suitable for you. Summer is a time for fresh starts and, for some, a new home. Before you head out to open houses, your first question should be: Should I own a...
Read MoreA Bear Market Is Officially Here
A bear market is officially here thanks largely to stubbornly high inflation. For many of us, it has probably felt like a bear market for a while now, but the S&P 500 Index didn’t close more than 20% below its January 3 record...
Read MoreWhat Homeowners Should Know About Estate Planning
If you have always thought estate planning was just for those nearing retirement or already retired, think again. If you own a home, it is important to have a plan in place. Without a will or other arrangements that allow your home to...
Read MoreIs the 60/40 Portfolio Dead?
This year has been tough for investors, not just because stocks have fallen but also because bonds have not helped mitigate those losses as they have historically done. Below we discuss the outlook for diversified portfolios of stocks...
Read MorePlanning For Unexpected Costs Before You Retire
our retirement planning needs to incorporate more than just investments Your open heart and your relatives can combine to threaten your retirement savings – savings you soon may need. Learn the true cost to your future...
Read MoreThe Economy Is Slowing But Not Shrinking
Many pundits are issuing recession warnings and saying the economy is heading for a hard landing. Amid the cacophony of voices, we think the economy is slowing just like central bankers want but not shrinking. Further, we argue that a...
Read MoreBull Market Hangs by a Thread
The bull market that began in March of 2020 came dangerously close to an end. From March 23, 2020 through January 3, 2022, the S&P 500 Index gained 114% (excluding dividends). From that January 3 closing high through the recent low on...
Read MoreUnderstanding Your Homeowners Policy
Reading a homeowners insurance policy for the first time can be intimidating. With all the jargon, exclusions, and conditions you'll encounter, you may start thinking that Mom was right--you should have gone to law school after all....
Read MoreCountdown to College
As a parent, you of course want to give your child the best opportunity for success, and for many, attending the “right” university or college is that opportunity. Unfortunately, being accepted to the college of one’s...
Read MoreDawn of a New Era for Core Bonds
Core bond investors have experienced the worst start to the year ever. However tough this year has been so far though (and it has been tough), the potential for future returns has improved meaningfully, in our view. Starting yields...
Read More10 Money Mistakes Millennials Should Avoid
Many millennial households are on their way to building substantial wealth. They are saving 20% or more of their paychecks, investing in 401(k) accounts, and keeping their debt levels low. But others, even those with good educations...
Read MoreCorporate America Delivers, Market Attention Focused Elsewhere
First quarter earnings season was solid by just about any measure, but based on recent market behavior it’s obvious that in general market participants paid little attention. This is a macro-driven market, so it will likely take...
Read MoreThe Principles of Financial Literacy
Financial literacy refers to the skills and knowledge that allow an individual to make informed and effective decisions through their understanding of finances. Financial literacy starts by building a basic understanding of 'money...
Read MoreHave We Really Seen Extreme Pessimism Yet?
It’s been a very tough start to the year with both stocks and bonds down sharply. Adding to the “wall of worry” for investors are the highest levels of U.S. inflation in decades, an aggressive Federal Reserve (Fed),...
Read MoreCan a Living Trust Replace Your Will?
When planning your estate, you may consider setting up a revocable living trust. A properly managed revocable living trust can provide unique benefits; however, it does not completely replace a will. In determining whether this type of...
Read MoreWhy You Shouldn’t Sell Your Stocks in May This Year
Not all recessions are created equal. Previous downturns in the U.S. were prompted by various shocks, with the most recent recession started by health and government-induced shutdowns. Other recessions started in the corporate sector,...
Read MoreBalancing a Retirement Portfolio with Asset Allocation
The combination of investments you choose is as important as the individual investments themselves. In fact, many experts argue that it's even more important, since the mix of various types of investments accounts for most of the ups...
Read MoreBusinesses and Consumers Likely Protected From Near-Term Recession
Not all recessions are created equal. Previous downturns in the U.S. were prompted by various shocks, with the most recent recession started by health and government-induced shutdowns. Other recessions started in the corporate sector,...
Read MoreThese Are the Best Ways to Teach Kids about Money
Money can be a confusing and unapproachable topic for adults, let alone for kids. The key is to teach children about money early so that they can develop a healthy relationship with it. Here are the best ways to give children a glimpse...
Read MoreWhat to Watch This Earnings Season
First quarter earnings season is rolling. BlackRock, Delta Airlines, Goldman Sachs, JPMorgan Chase, and Morgan Stanley were among the first 16 S&P 500 companies to report March quarter results, following 20 index constituents with...
Read MoreSetting and Targeting Investment Goals
Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what...
Read MoreHeadwinds to Global Growth: An Economy of Two Halves
LPL Research reduced U.S. and global GDP forecasts due to Russian commodity disruptions, elevated inflation dynamics, and higher borrowing costs. Still, we expect the U.S. economy to grow 2.7-3.2% in 2022, supported by business...
Read MoreLPL Research’s Stock Market Final Four
As the Final Four NCAA Basketball Tournament rolls on in New Orleans, we continue our tradition of picking a stock market final four. We have identified our four key factors for the stock market outlook: 1) Consumer spending, 2)...
Read More3 Golf Tips to Keep Your Retirement Plan on Course
In golf, as in finances, there are a few rules of thumb that may improve your game: keep a level head, avoid traps, practice before trying something new and stay the course. Applying lessons from the golf course to your financial life...
Read MoreAsset Allocation
Asset allocation is a common strategy that you can use to construct an investment portfolio. Asset allocation isn't about picking individual securities. Instead, you focus on broad categories of investments, mixing them together in the...
Read MoreTempered but Optimistic Enthusiasm Over Stocks
As the stock market recovered from the 2020 pandemic lows, valuations reached levels not seen since the dotcom bubble more than 20 years ago. The reopening economy and massive fiscal stimulus helped fuel one of the strongest starts to...
Read MoreSix Tips for Wealth & Sanity
And the most important tip of all? Hire a financial professional. Investing can be stressful, but it doesn’t have to be. If you have a portfolio that was built for you and use the help of a financial professional, you...
Read MoreAre Core Bonds Under Pressure?
Core bond investors have experienced one of the worst starts to the year ever, potentially calling into question the validity of bonds in a portfolio. Despite the poor start, we don’t think the value proposition for bonds has...
Read MoreBalancing a Retirement Portfolio with Asset Allocation
The combination of investments you choose is as important as the individual investments themselves. In fact, many experts argue that it's even more important, since the mix of various types of investments accounts for most of the ups...
Read More529 Savings Plans: For Education Expenses and Estate Planning?
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...
Read MoreLuck of the Investor: Making Your Own Luck on St. Patrick's Day
As Samuel Goldwyn once said, "The harder I work…the luckier I get!" But when it comes to investing, luck may play a huge role in outcomes—no matter how hard you work. Below, we discuss some ways that luck may...
Read MoreReady, Set, Rate Hike
The Federal Reserve (Fed) meets this week and in all likelihood will raise short-term interest rates for the first time since emergency levels of monetary accommodation were provided to markets after the COVID-19 shutdowns....
Read MoreFive Healthy Habits for Financial Wellness
Financial stress can have a direct negative impact on a person's health and happiness. Unfortunately, this may lead to a downward spiral. The more stress you're feeling, the larger your financial hurdles may seem, and the more you...
Read MoreDownshift in U.S. Market Growth But Still Above Trend
We currently expect the U.S. economy to grow 3.7% in 2022. The risks are to the downside since the Fed may err on tightening too fast, the recent commodity spike may trickle down to the U.S. consumer, and supply and demand imbalances...
Read MoreTax Tips Every Married Couple Should Know
Getting married is a joyous time, but one that comes with numerous considerations. From living arrangements to future goals, marriage may quickly change a lot of things in your life. One thing that may drastically change after your...
Read MoreHow Soon Are Rate Hikes Coming?
With inflationary pressures running higher than many central bankers are comfortable with, calls for interest rate hikes have become louder. A number of important central bank meetings are set to take place in March including the...
Read MorePositivity Amidst Uncertainty
Stocks have gotten off to a very rocky start in 2022, with the potential for Federal Reserve rate hikes coming and the geopolitical worries over Russia and Ukraine only adding to the uncertainty. We don’t want to minimize the...
Read MoreMarriage: Entering a New Investment Life
There are a lot of issues that couples need to think about when tying the knot -- wedding preparations, family, and, of course, finances. Addressing personal finance and investment issues before the big day may help improve your odds...
Read MoreStrong Earnings Momentum to Start 2022
Corporate America has capped off an outstanding 2021 with an excellent fourth-quarter earnings season so far. Entering 2021, the consensus estimate for S&P 500 Index earnings per share (EPS) was less than $170. Now with fourth-quarter...
Read MoreTax Deductions You Won't Believe
While Americans are entitled to take every legitimate deduction to manage their taxes, the Internal Revenue Service (IRS) places limits on your creativity. Here are some examples of deductions from the IRS that were permitted and some...
Read MoreThe Valentine's Day Index
High inflation continues to cloud the economic outlook while its impact on the potential path of rate hikes has left markets unsettled. Inflation is a serious topic, but occasionally it’s useful to revisit it from a lighter...
Read MoreMerging Your Money When You Marry
Getting married is exciting, but it brings many challenges. One such challenge that you and your spouse will have to face is how to merge your finances. Planning carefully and communicating clearly are important, because the financial...
Read MoreWhich Region Will Get the Gold in 2022
The near-10% correction in the S&P 500 Index and even larger drawdown in the Nasdaq have gotten a lot of attention this year. What hasn’t gotten as much attention—and maybe surprising to some—is the relative...
Read MoreTen Ways to Stretch Your Money
We all want more money, and many of us would like to work less, as well. This may seem like a dilemma, yet there is a solution. One way to increase money without working is to avoid spending it in the first place. Some people call this...
Read MoreLPL Research’s Sustainable Investing Year in Review
Sustainable investing hit several milestones in 2021, but continued to attract its critics. Below we look at how sustainable investing fits within the broader concept of sustainability, its growth during 2021, and an implementation...
Read MoreBuilding a Solid Financial Foundation
When you read about money matters, you may see the phrase, “getting your financial house in order.” What exactly does that mean? To some, when your financial “house is in order,” it means it is built on a solid...
Read MorePotential Catalysts For A Turnaround
After a tough start for stocks in 2022, investors are looking for reasons to expect a rebound. After more than doubling off the pandemic lows in March 2020, without anything more than a 5% pullback in 2021, stocks probably needed a...
Read MoreHow to Teach Your Children Financial Wellness
Teaching children about financial wellness should start at an early age. Learning how making money, saving, and spending is related and the first step in teaching your child how to understand the value of money. Children learn from...
Read MoreDon't Expect the Fed To End This Bull Anytime Soon
The Federal Reserve (Fed) has engineered a massive hawkish shift, causing a bit more stock market volatility recently. But how worried should investors be? Here we take a look back at historical performance for stocks before, after,...
Read MoreFive Common Misconceptions About Retirement
Retirement is not what you retire from, but what you retire to. When you plan for retirement, an exciting new phase of life, double-check your expectations. They may not match the reality. Baby boomers, currently in their 50s and 60s,...
Read MoreCan Corporate America Keep it Rolling?
Corporate America has been on quite a run. Coming into 2021, S&P 500 Index companies were expected to generate less than $170 in earnings per share. As 2022 begins, it looks like that number may end up higher than the latest LPL...
Read MoreNew Beginnings in 2022
With the New Year comes new beginnings, new goals, new challenges, new friendships, and new opportunities. 2021 was an incredible year for the economy and investors, but to us the future remains bright for 2022 and beyond. Let’s...
Read MoreImproving Your Financial Health is Not Very Hard
“Keep it Simple, Stupid” is a great approach to organizing your finances Some folks think financial planning is very difficult. While certain aspects are hard, such as constructing the right asset allocation to meet your...
Read MoreThree 2021 Market Lessons for 2022
In many ways, 2021 was a typical year for markets, but it also reinforced some basic market lessons that are hard to learn, even if they are not new. As we launch into the New Year, we’re highlighting three 2021 market lessons...
Read MoreHow Much Higher Can Treasury Yields Go?
We expect interest rates to move modestly higher in 2022 based on near-term inflation expectations above historical trends and improving growth expectations once the impact of COVID-19 variants recedes. Our year-end 2022 forecast for...
Read MoreNew Year, New Goals: Your Countdown to Financial Health
For many people, a new year provides a new start—and nothing says "new start" like a fresh new set of financial goals. But setting these goals is easier said than done. What steps should you take to get the most bang for your...
Read MoreStock Market Outlook 2022: Another good year?
We expect solid economic and earnings growth in 2022 to help U.S. stocks deliver additional gains next year. If we are approaching—or are already in—the middle of an economic cycle with at least a few more years left (our...
Read More2021 Year-End Planning for Retirees
Year-end planning is especially important for retirees and those hoping to retire in 2021 or 2022. There are tax and income strategies you might consider regarding your financial assets. Here are three steps you may take when planning...
Read MoreBuild a Solid Financial Foundation
When the markets and the economy are behaving badly, as they tend to do from time to time, it's easy to feel helpless. But creating a solid financial foundation can help you gain control of your investments and possibly avoid mistakes...
Read MoreOutlook 2022: Passing the Baton
LPL Research Outlook 2022: Passing the Baton is designed to help you navigate the risks and opportunities over the rest of 2021 and beyond. While the economy continues to move forward, we’re still feeling some aftershocks of...
Read MoreReal Estate: A Form of Charitable Giving
In unpredictable economic times, many donors may be wary of making large donations of cash, even to charities they would otherwise like to support. Nonprofits are therefore increasingly encouraging donors to make gifts of non-liquid...
Read MoreWill Omicron Ruin The Santa Rally?
Historically, December has been a great month for stocks, but now we have the Omicron variant causing major volatility and uncertainty. Still, we remain optimistic that the new worries will subside over the coming weeks and...
Read MoreHoliday Resilience
We hope everyone enjoyed the Thanksgiving holiday with family and friends. While life has been challenging during the pandemic, we have a lot to be thankful for. At this time, we are especially grateful for COVID-19 vaccines and...
Read MoreYour 2021 Year-End Planning Checklist
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...
Read MoreCelebrating Unique Talent: Tea with Jodie Cohen
In honor of ‘Celebrate Your Unique Talent Day’, I wanted to share my love of tea with you. My passion for tea started with my interest in Japanese culture and religion which I studied when I was a student a UCLA. The only...
Read MoreThe Stock Market, Economy, and New Year: Three Reasons To Be Thankful
There are only six weeks to go in 2021 and it has been an incredible year for the stock market bulls. In fact, in many ways it could go down as one of the best years ever. This week, in honor of Thanksgiving, we wanted to take a...
Read MoreBeing Thankful for Financial Wellness
‘Tis the season to give thanks for the many blessings that you have received throughout the year and blessings that help you as you move into the future. One thing to be truly thankful for is financial wellness. When you are...
Read MoreA peek at peak inflation
After an upside inflation surprise in October, it’s clear that peak inflation may still be ahead, possibly even pushing into 2022. While the Federal Reserve (Fed) maintains its position that elevated inflation will be transitory...
Read MoreDonor-Advised Funds: A Solution to Gifting with Tax Benefits
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...
Read MoreMany Reasons to be Thankful
Dear Valued Investor: The past year and a half have tested all of us, but overall, the economy continues to strengthen, COVID-19 trends are greatly improving, and this still relatively young bull market is alive and well. As the leaves...
Read MoreDeveloped International: If Not Now, When?
Since we began our investing careers, we’ve had the concept of diversification drilled into our heads. Some refer to it as the only free lunch in investing. Well, when it comes to geography, that advice hasn’t been helpful...
Read More5 Things That Might Spook Markets
With Halloween over the weekend, what better to write about this week than what scares us? If our positive near-term market outlook proves to be overly optimistic, we believe one—or perhaps more than one—of these five...
Read MoreTop Supports for Caregivers
When caring for a spouse, relative, or parent, you may face a number of challenges and decisions to make in order to provide quality care. However, you are not alone. The following resources are available to support you to meet the...
Read MoreConsider the Value of Long-term Care Insurance
How can you cover the costs of future care for you and your loved ones? Individuals who have worked hard and built up assets over the course of their careers may be particularly concerned that their savings could be affected by a...
Read MoreBullish Setup Into Year-End
The S&P 500 Index has gained more than 20% so far this year, making more than 50 record highs along the way. Certainly nobody should be upset with that return if that was all 2021 brought us. However, we see signs that there could be...
Read MoreQ3 Earnings Preview: Less Upside
We have used most of the superlatives we know to describe corporate America’s stunning performances over the past two earnings seasons. Despite lofty expectations, results exceeded estimates by the biggest margins we’ve...
Read MoreCybersecurity Awareness: What You Need to Know
Common Cybersecurity Risks October 2021 marks the 18th Cybersecurity Awareness Month—and cybercrime continues to evolve. Though you may not get as many emails promising bodily enhancements or asking you to keep some overseas...
Read MoreA CFP® Professional Can Help You Improve Your Financial Life
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...
Read MoreFive Financial Mistakes You Should Avoid
We all make mistakes, and through them, we learn. But when it comes to finances, trial-and-error may not be the most suitable approach for you. Maybe you’re making some simple mistakes that can be fixed with a little bit of...
Read MoreRevisiting Our 10-Year Treasury Yield Forecast
Until recently, we expected the 10-year Treasury yield to end the year between 1.75% and 2.0%. Now, however, there are two key elements suggesting we are unlikely to see significantly higher interest rates by year end: The Delta...
Read MoreA “Recipe” for Retirement Savings
Do you ever dream of the day when you can retire and pursue your interests, travel, or simply relax from the pressure of the daily grind? In the past, retirement planning was a simpler process. Many retirees could count on...
Read MorePolicy Risks Loom But Clarity Ahead
Several policy-related risks loom in September and October that may lead to an increase in market volatility. The debt ceiling needs to be raised (likely by mid-October), the government needs to be funded to avoid a shutdown by the end...
Read MoreCharitable Remainder Trust: Can be an Effective Tool
A charitable remainder trust (CRT) can be a highly effective financial and estate planning tool. The CRT can allow you to: avoid capital gains taxes on highly appreciated assets, however when income is...
Read MoreMonthly Market Update: August 2021
Global Markets Up for August Global equity markets were overwhelmingly up for the month of August, on the way to record–setting performances. But it wasn't just U.S. equity markets that performed well this...
Read MorePoking The Bear
First and foremost, this week’s commentary should not be construed to suggest that we are saying stocks will go up forever. We are also not saying that stocks are immune from a pullback in the final four months of 2021....
Read More4 Ways to Prepare Your Finances for Disaster
You don't need to live your life under the constant stress of expecting disaster to strike. By taking these 4 financial steps toward disaster preparedness, you may gain some security that helps you set these worries aside.
Read MoreWhy Stagflation Isn’t In the Cards
The term stagflation has been circulating increasingly in the financial media as inflation readings have risen sharply in recent months. The term is often associated with the 1970s, which saw runaway inflation—largely driven by...
Read MoreDo You Have FOMO When it Comes to Investing?
What is FOMO When it Comes to Investing? Fear-of-missing-out is a very real emotion –but it can derail your portfolio. Every day we’re bombarded with reports of what’s hot and what’s not –fueling a...
Read MoreInheritance Planning Can Help Avoid Headaches
Plan Ahead for your Inheritance Families inherit money and sometimes make the right moves investing and spending. Inheritances can also ignite disruption, divorce and a host of bad behavior far from the hopes and plans of the...
Read MoreHow Long Before the Fed Changes Its Course?
Quantitative easing and short-term rates near zero could be ending soon Federal Reserve Chair Jerome Powell seems to have capitulated on plans to taper the Fed’s stimulus program as of mid-July, causing the bond market to rally...
Read MoreThree Basic Retirement Questions to Ask Yourself
One of these questions is significantly more important to your success We’ve all been there: scratching our heads wondering what to do with all the retirement savings accounts. Too many choices can be overwhelming, until you step...
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