Blog
Brightening 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 MoreUse of Trusts and Creditor Implications
What are the creditor implications of using trusts?Certain types of trusts can protect your assets from future claims of creditors and future lawsuits. Trusts that have this protective feature are often referred to as asset protection...
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 MoreRetirement Investors Get Another Boost From Washington
Amid the 1,650-page, $1.7 trillion omnibus spending legislation passed by Congress last week and expected to be signed by President Biden were several provisions affecting work-sponsored retirement plans and, to a lesser degree, IRAs....
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...
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What Student Athletes Should Consider When Playing in College
For more than 150 years, American college football has maintained its top-dog status in the U.S. sporting arena. On November 6, 1869—a mere four years after the end of the American Civil War—players from Rutgers and...
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 More4 Common Home-Buying Mistakes To Avoid
Buying a home may be stressful, whether it is your first home or a subsequent one. One way to make the home-buying process easier that may cause less anxiety is by being aware of common home-buying mistakes and how to avoid them. Here...
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 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 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 MoreHelping Elders Manage Their Assets
Today, many individuals are finding it necessary to help elderly parents or relatives manage their personal finances. One area of particular concern is property management. This issue may arise when seniors reach their late...
Read MoreConverting Savings to Retirement Income
During your working years, you've probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings...
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 MoreWorried About Your Financial Health? It May Be Time For A Checkup
When was the last time you gave yourself a financial checkup? As the saying goes, there’s no time like the present. This is especially true when it comes to reviewing the current state of your finances and figuring out what you...
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 MoreMembers of the Military - Estate Planning
Whether you're a veteran or just starting out in the military, planning and preparing your estate is of vital importance. Why is estate planning so critical?Because, at your death, you leave behind the people you love and all your...
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 MoreInstallment Sales - Tax Planning
What is it?An installment sale, sometimes used when a small business or real estate is sold, is defined as a sale of property where at least one payment is to be received after the close of the tax year in which the sale occurs. In...
Read MoreFamily Wealth Transfer Planning
What is family wealth, and how do you preserve it? You have worked hard for years and accumulated wealth. You earned this money through your job, investing, and saving, and you want to preserve it for yourself and to take care of...
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 More4 Simple Ways to Give Back (This Holiday Season)
As you take a moment to reflect upon all of the things that bring you comfort and joy this holiday season, consider giving back to those in need. Whether you are participating in an organized fundraiser or diving headfirst into your...
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 MoreElon Musk Takes Twitter Private
Elon Musk has finally completed his US$44 billion deal to acquire Twitter and take it private. The world’s richest man has already begun putting his imprint on the social network by firing four of its top executives. While most...
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 MoreIRS Adjusts Tax Brackets to Account for Inflation
Shifts in tax brackets as well as the standard deduction slated for 2024. On October 18, 2022, the Internal Revenue Service (IRS) announced tax year 2023 adjustments for tax returns filed in 2024.
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 MoreThree Things to Know About Recessions
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...
Read MoreDon’t Believe That This Bear is Different – It’s Not
Bear markets are painful, but they are also part of the investment process. Bull markets happen. Bear markets happen. Just stick to your financial plan, and stay calm and disciplined. When the market sours or slumps, don’t...
Read MoreInvesting in Bonds
Bonds may not be as glamorous as stocks or commodities, but they are a significant component of most investment portfolios. Bonds are traded in huge volumes every day, but their full usefulness is often underappreciated and...
Read MorePockets of Vulnerability Magnified by Monetary Policy
As Federal Reserve (Fed) officials continue to emphasize the Fed’s commitment to restoring price stability, the dollar marches ever higher. Markets are currently pricing in another 75-basis point rate hike at the November 2 Fed...
Read MoreTips for Keeping Your Emotions in Check as an Investor
Money is always an emotional subject and when our emotions get involved with our investments we often make wrong decisions. And that can be a costly mistake. Yet while the financial industry is constantly preaching that "Past...
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 MoreDon't Get Rid of Dividend-Paying Stocks Just Yet
“Money makes money. And the money that money makes, makes money.” Since the beginning of the year, economists and pundits seem united in the belief that economic growth will continue to contract, propelling inflation and...
Read More5 Ways to Give Tax Free Gifts
If you plan to gift a sizable amount of money to a loved one, gift tax should be on your radar. Gift tax is a federal tax imposed on transfers of cash or property valued above a certain threshold. Gift tax is paid by the gift giver,...
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 MoreThe Booming Trend of Multigenerational Living
At first glance, multigenerational living arrangements may seem unusual, but they were once the rule, not the exception. In mid- to late-nineteenth-century America, the majority of elderly parents and grandparents lived with their...
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 MoreAn Overview of High-New-Worth Estate Planning
Even if you never thought of yourself as especially wealthy, there may be a fair chance that you fall into the category of "high net worth individuals"—those who have liquid assets of $1 million or more. For many individuals who...
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 MoreFinancial Planning for a Couple’s Age Gap
Couples usually don’t retire at the same time when they have an ‘age gap’ between them. An age gap relationship is one where there is eleven or more year’s age difference between them. Age-gap relationships are...
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 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 More401(k) In-Plan Roth Conversions
A 401(k) In-Plan Roth Conversion (also called an "In-Plan Roth Rollover") allows you to transfer the non-Roth portion of your 401(k) account into a designated Roth account within the same plan. The amount you convert is subject to...
Read MoreHome Sales Fall (Again). What’s Next?
Existing home sales fell 5.9% in July, the sixth consecutive month of decline as higher interest rates weigh on housing affordability and prospective buyers. As the housing market slowed, so did prices. The median price for a...
Read MoreAn Introduction to Donor Advised Funds
If you’re in search of a way to reduce your tax bill and give back to the community, a Donor Advised Fund may be worth considering. Also known as a DAF, a Donor Advised fund is a charitable investment strategy you can use to...
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 MoreCommon Warning Signs of Financial Fraud
Many people are familiar with the scammers who promise to pay millions of dollars in exchange for briefly holding funds in your bank account or those who offer to enhance certain body parts risk-free. Today's scammers are clever at...
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 MoreCollege Planning Tips for Self-Employed Parents
Self-employed parents have unique considerations when sending their children to college. If you own your own business, there are several ways to optimize your financial situation as you prepare for your child to go to college. Keep...
Read More6 Little-Known Uses For Life Insurance
When people think of life insurance, what usually comes to mind is settling the deceased's final expenses and providing financial support for their beneficiaries. Although these are the most common uses of life insurance, cash value,...
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 More5 Ways a Financial Professional Could Be a Small-Business Owner's Best Friend
As a business owner, you may assume you do not need professional financial advice until you hit certain milestones such as $1 million in sales, having ten employees, or some other tangible measure. However, financial professionals may...
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 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 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 More6 Ways to Minimize Your Tax Liability Throughout the Year
You don't need to wait until the end of the year to look for ways to minimize your tax liability. Tax planning should take place throughout the year to have you prepared well ahead of tax season. Here are six ways to minimize your tax...
Read MoreSecuring Your Future with Life Cycle Planning
The need for regular saving and investing spans many life stages. Through the years, your goals will change and your strategies will shift, but don’t be alarmed. You’re just progressing through the normal stages of life,...
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 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 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 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 MoreLooking through the Clouds
At the risk of sounding cliché, making the case for stocks to stage a second half rally back to the prior highs requires investors to see through some heavy cloud cover. If you prefer another market cliché, it’s times...
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 MoreInvesting in Your Family: Creating a Family Business Succession Plan
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IRS Makes Contribution Limit Changes for 2022
The Internal Revenue Service announced that the amount individuals can contribute to their 401(k) plans in 2022 has increased to $20,500, up from $19,500 for 2021 and 2020.
Read MoreWhat To Know About Potential Tax Changes in 2022
Though the final price tag of the Biden administration's infrastructure plan is not absolute, it may increase federal spending by about $3.5 trillion over the next decade.1 President Biden and his administration proposed changes to the...
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 MorePlanning to Make New Year’s Resolutions Stick
Will you make a New Year’s resolution this year? One of the smartest ones could be to get your finances in order. But keeping that promise to yourself is another matter. A lot of people make money resolutions. According to study...
Read MoreRMD Roundup: A Few Key Updates About Required Minimum Distributions
As we approach the end of 2021, now might be a good time to take a closer look at a few developments surrounding required minimum distributions (RMDs). What Are RMDs? Once you reach age 72, you are required to take minimum...
Read MoreA Peek at Peak Inflation
After an updside 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...
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 MoreRetirement Mistakes to Fix Before the Holidays
Spend as much time fixing your mistakes as you do planning the holidays You probably spend more time planning your holiday gathering than preparing for your golden years. As a result, you make basic mistakes in trying to fund your...
Read MoreThe Most Common Tax Tips Before Year End
Tax planning can be advantageous when done during the year and well in advance of year’s end. Opportunities exist for you to mitigate tax liability, which may leave more income for you and/or your family. Generally, people put...
Read MoreNovember Letter to Clients
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 turn colors and begin...
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 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 MoreHow to Structure Charitable Giving Throughout Your Lifetime
Charitable giving is a way for affluent individuals spread their money around and to benefit causes that are near and dear to their hearts. Yet, for those who fall into the high net worth category, it is critical to structure...
Read MoreYear-End Tax Planning
As the end of the year approaches, it's time to consider strategies that could help you reduce your tax bill. But most tax tips, suggestions, and strategies are of little practical help without a good understanding of your current tax...
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 expections, results exceeded estimates by the biggest margins we’ve ever...
Read MoreEnd of Year Financial Planning
For some, it’s easy to put personal finances on the back burner during the last few months of the year. However, before the year comes to an end, it’s essential to review your finances. By doing so now, you can make the...
Read MoreAnswering the Top Debt Ceiling Questions
Last week, Congress was able to push back a fast-approaching deadline for raising the debt ceiling to December. Markets applauded the move with a relief rally. Despite decreased uncertainty in the near term, we may be confronted with...
Read MoreOctober Letter To Clients: Change May Bring Opportunities
Dear Valued Client, One constant in life is change. During the past year and a half, we have experienced more change than any of us bargained for. Change is disruptive—but also brings opportunities. For investors right now, there...
Read MoreEarly Thoughts on 2022
With the fourth quarter underway—historically the best quarter for stocks, by the way—2022 is fast approaching. While a lot can still happen between now and the end of 2021, we don’t think it’s too early to...
Read MoreWhat Gen Xers, Millennials, and Baby Boomers Need to Know About Financial Planning
Financial planning is an important part of securing your current lifestyle as well as preparing yourself for what you wish to do in your eventual retirement. And while this importance may look different during each stage of your life,...
Read MoreFive Tips To Finding A Financial Professional That Fits You And Your Family
The financial professional you pick to manage your assets and advise you on key financial decisions may affect your retirement and other major financial goals more, maybe, than even you. Make the right choice. When trying to find a...
Read MoreHigh Net-Worth Individuals: Are You Missing Opportunities in Your Financial Planning?
High Net-Worth executives and those that have been self-employed, can experience common problems in their financial planning journey. Often, they have missed opportunities in their financial planning because they haven’t planned...
Read MoreTop 5 Tips for Making Sound Financial Decisions
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...
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 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...
Read MoreThe Bull Market Continues
Dear Valued Investor: The bull market continues, with the S&P 500 Index now up seven months in a row. Stocks have impressively gained 20% year-to-date, with the S&P 500 making 53 new all-time highs before the end of...
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 MoreSome Key Uses of Life Insurance
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...
Read MoreLife Insurance and Charitable Giving
Life insurance can be an excellent tool for charitable giving. Not only does life insurance allow you to make a substantial gift to charity at relatively little cost to you, but you may also benefit from tax rules that apply to gifts...
Read MoreLife Insurance at Various Life Stages
Your need for life insurance changes as your life changes. When you're young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Then, as your responsibilities...
Read MoreLife Insurance: Do You Have Enough?
September is National Insurance Awareness Month which prompts the question of whether you are adequately covered. Right now is a great time to assess your insurance coverage and evaluate your risk of being underinsured. The importance...
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 MoreCorporate America Does It Again
Corporate America did it again. Companies blew by estimates and made strategists and analysts look silly (though we humbly suggest that we may have looked less silly than most in our earnings preview on July 12). S&P 500 earnings...
Read MoreHere Comes Friday The 13th
“Friday the 13th is still better than Monday the whatever.” No known person to cite, but LPL Research can’t disagree. Today is the first Friday the 13th since November 2020. For most people, this is just another day,...
Read MoreTips to Keep Emotions and Investing Separate
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...
Read MoreInvesting for Your Later Years? Think Asset Preservation but Don't Forget Growth
After years of investing for retirement and other goals, you may have accumulated a substantial portfolio. If you're approaching or already enjoying retirement, there are important steps that you can take to help ensure that your...
Read MoreDid You Know Stocks Historically Peak in Early August?
Hard to believe, but we are in August already! The good news is stocks are still firmly in a bull market, but the bad news is the calendar is a potential worry now. As shown in the LPL Chart of the Day, August and September have been...
Read MoreEducation: One of the Best Investments You Can Make
It wasn’t long ago when an individual went to college, got an education, and embarked on one career that usually lasted a lifetime. Many companies provided on-the-job training, and little emphasis was put on the idea of going...
Read MoreWhy Invest?
To accumulate wealth, people may choose to invest their money into various types of investments. Investing creates opportunities that otherwise would be difficult to manage due to the consistency of contributing to the investment....
Read MoreThe Recession Is Over, So What Happens Next?
The National Bureau of Economic Research (NBER) announced yesterday that the COVID-19 recession is over. If things don’t feel all that different, it’s because they announced the recession ended in April 2020. Yes,...
Read MoreMidyear Outlook 2021: Picking Up Speed
The U.S. economy powered forward faster than nearly anyone had expected in the first half of 2021. Markets are always forward-looking and in LPL Research’s Midyear Outlook 2021: Picking Up Speed, we help you keep your eyes on the...
Read MoreFive Financial Mistakes You Should Avoid
These simple steps might save you a great deal of money and heartache 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...
Read MoreThe Crazy Cost of the Olympic Games
Since the first modern Olympic games in 1896, the competition has been a prestigious honor for the hosting country, but also a significant economic and structural undertaking. Billions of dollars are put toward the construction of new...
Read MoreFive Factors that Impact Your Retirement
Retirement can be a risky business if you don’t consider all the factors that can impact your retirement during your planning process. Although it’s hard to know what will happen in the future to you or your investments,...
Read MoreHealthcare and the Sandwich Generation
Members of the "Sandwich Generation"—or adults who have at least one parent over age 65 and at least one child who still requires financial support—often find themselves torn between their dual caregiving responsibilities.1...
Read MoreDo You Have 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 fear-of-missing-out (FOMO) on some great...
Read MoreStarting a Business With a Friend: Do’s and Don’ts
It is estimated that about 40 percent of business founders were friends before they became business partners.[1] But while starting a business with a friend can be a great way to secure your financial future, it can also put new and...
Read MoreThe Perils of Trying to Time the Stock Market
The end of March 2021 marked the one-year anniversary of the stock market bottom and the end of the shortest bear market on record. Since then the U.S. stock markets have quickly reached new highs, with the Dow Jones Industrial Average...
Read MoreJune Swoon?
lthough there was some notable weakness in the middle of May, the S&P 500 Index was able to rally late in the month to finish with a modest gain. Incredibly, this was the eighth year out of the past nine that stocks gained during in...
Read MoreThe Sandwich Generation: A Growing U.S. Concern
As the U.S. population continues to age, the “sandwich generation” is caught in the middle, supporting both their parents and their children, whether financially, physically, or emotionally. This generation is the...
Read MoreThree Things Investors Can Learn From Phil Mickelson’s Win
Congrats to Phil Mickelson on his amazing victory on Sunday at the PGA Championship at the age of 50, officially the oldest person to ever win a golf major championship. This was Lefty’s 6th major victory, leaving him just a win...
Read More10 Tips for Small Biz Owners
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....
Read MoreGet SMART: Tips for Effective Goal Setting
Regardless of which phase of the business life-cycle you’re in, you can get SMART about setting goals to motivate yourself, move forward to grow your business, and track your success. SMART goal setting for small business owners...
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