Blog

Welcome to our blog! Here you will find articles about the topics and insights we like to share regarding financial planning and wealth management.

Monday, September 26, 2022

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...

Monday, September 19, 2022

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...

Friday, September 16, 2022

Estate planning is critical for efficiently transferring your money, property, and assets to your beneficiaries after you die. The reason people choose an estate plan is that it avoids probate. One thing to keep in mind about your...

Monday, September 12, 2022

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....

Tuesday, September 6, 2022

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...

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Monday, August 29, 2022

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

Monday, August 29, 2022

If your medical records are scattered across a mishmash of different providers, cities, or even states, you may have trouble creating a comprehensive medical history when you need one. What steps can you take now to organize your...

Monday, August 22, 2022

The terms Medicare and Medicaid are similar sounding names; however, these programs serve very different needs. Medicare is a health insurance benefit program for those aged 65 and older and others with certain disabilities. Medicare...

Tuesday, August 16, 2022

Whether your estate plan is simple or complex, there are many details, which are often overlooked, that can undermine your plan’s effectiveness. Are you aware of these common estate planning mistakes?Titling property jointly with...

Monday, August 15, 2022

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

Monday, August 15, 2022

There is a common misconception that estate planning is something only the affluent need to do before they die. However, estate planning is important for everyone, regardless of income level or net worth. Planning for the disposition...

Friday, August 12, 2022

Simply put: A trust is a legal arrangement in which a certain amount of property or assets is held by a person or entity (e.g. a bank) for the benefit of one or more other people.Why Would You Create One?To maintain control of...

Tuesday, August 9, 2022

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...

Tuesday, August 9, 2022

A recent survey by Caring.com found that a whopping two in three American adults do not have an estate plan1—an alarming statistic, considering that an estate plan can protect your assets and ensure that they go to the right...

Monday, August 8, 2022

Identity theft is a growing concern that impacts millions of Americans every year. According to a recent study,1⁠1 more than 14 million Americans fell victim to online theft in 2018, with 23% of those incurring unreimbursed...

Friday, August 5, 2022

Most types of financial accounts allow you to designate a beneficiary, from checking and savings accounts to life insurance policies, 401(k)s, IRAs, pensions, and trusts. But when was the last time you looked at your beneficiary...

Tuesday, August 2, 2022

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...

Monday, July 25, 2022

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...

Monday, July 18, 2022

Each generation comes of age during different economic circumstances, and this can have a major impact on their later money habits. Financial professionals have identified some investing tips for certain generations that can help make...

Friday, July 15, 2022

A Pew Research Center poll showed that most Americans are worried that their states are opening too early. In fact, the research shows that:68% of Americans think that state governments will lift coronavirus-related restrictions on...

Tuesday, July 12, 2022

If you're new to investing, you may encounter some unfamiliar jargon. Understanding the following terms may help you become a more confident investor.PortfolioAn investment portfolio is a collection of investments owned by an...

Monday, July 11, 2022

Planning for the future needs of an aging parent can often be a sensitive and delicate task for adult children to undertake. providing care for an aging parent or another loved one does not have to be a task that you face alone.

Tuesday, July 5, 2022

Invest early. Invest often. Invest for growth. These are the basic principles of saving for your child’s college education. The earlier you begin a savings program, the more time you have to benefit from the power of compound...

Tuesday, July 5, 2022

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...

Monday, June 27, 2022

Being caught between two generations of loved ones who require care can be both financially and emotionally draining, but there are ways to reduce the pressure. Here are three financial planning challenges the sandwich generation is likely

Monday, June 20, 2022

Today, younger adults face a variety of challenges in their pursuit of financial independence. Here are five financial tips to help you manage your personal finances and prepare for your future.

Monday, June 20, 2022

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,...

Monday, June 13, 2022

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...

Monday, June 6, 2022

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...

Sunday, June 5, 2022

Adults caring for aging parents and children simultaneously have now become known as the "sandwich generation."  While each generation comes with its own array of financial challenges, the sandwich generation often feels...

Wednesday, June 1, 2022

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...

Monday, May 16, 2022

Monday, May 16, 2022

Monday, May 9, 2022

Friday, May 6, 2022

Wednesday, May 4, 2022

Monday, May 2, 2022

Monday, May 2, 2022

Monday, April 25, 2022

Monday, April 18, 2022

Wednesday, April 13, 2022

Monday, April 11, 2022

Monday, April 11, 2022

Thursday, April 7, 2022

Monday, April 4, 2022

Monday, April 4, 2022

Friday, April 1, 2022

Monday, March 28, 2022

Monday, March 21, 2022

Friday, March 18, 2022

Monday, March 14, 2022

Monday, March 14, 2022

Tuesday, March 8, 2022

Monday, March 7, 2022

Monday, March 7, 2022

Monday, March 7, 2022

Monday, March 7, 2022

Monday, March 7, 2022

Tuesday, March 1, 2022

Tuesday, March 1, 2022

Monday, February 28, 2022

Tuesday, February 22, 2022

Tuesday, February 22, 2022

Friday, February 18, 2022

Friday, February 11, 2022

Wednesday, February 9, 2022

Monday, February 7, 2022

Monday, January 31, 2022

Monday, January 31, 2022

Tuesday, January 25, 2022

Monday, January 24, 2022

Tuesday, January 18, 2022

Monday, January 10, 2022

Monday, January 10, 2022

Thursday, January 6, 2022

Monday, January 3, 2022

Saturday, January 1, 2022

Monday, December 27, 2021

Monday, December 27, 2021

Tuesday, December 21, 2021

Monday, December 20, 2021

Thursday, December 16, 2021

Monday, December 13, 2021

Monday, November 22, 2021

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...

Monday, November 22, 2021

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

Wednesday, November 17, 2021

It’s hard to believe we are already approaching the end of another year, and holiday season will soon be here. Since holiday spending doesn’t include just gifting, it’s essential to set your budget now. You may likely...

Monday, November 15, 2021

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...

Thursday, November 11, 2021

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

Tuesday, November 9, 2021

Seventy-two is an important age milestone for those in or near retirement, as it marks the time when required minimum distributions (RMDs) begin to be withdrawn annually from IRAs and employer-sponsored retirement plans (previously,...

Monday, November 8, 2021

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...

Monday, November 8, 2021

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

Thursday, November 4, 2021

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...

Monday, November 1, 2021

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...

Monday, November 1, 2021

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 retirement. Here are a few of the top mistakes people make to screw up this...

Sunday, October 31, 2021

What is Tax Loss Harvesting? When investments in taxable accounts do not perform as hoped and actually lose value, investors may be able to take advantage of tax benefits to help offset their losses. The concept of tax loss harvesting...

Tuesday, October 26, 2021

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...

Sunday, October 24, 2021

If you're part of the one in three Americans who are uninsured or don't have access to an employer-sponsored healthcare plan, the Affordable Care Act (ACA) may be able to help. The ACA allows you to buy health insurance on a public...

Monday, October 18, 2021

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...

Sunday, October 17, 2021

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

Monday, October 11, 2021

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...

Sunday, October 10, 2021

When you're a small business owner, you need to pay extra careful attention to both your business and personal finances. Your financial planning strategies should simultaneously encourage the success of your business while also working...

Sunday, October 10, 2021

Whatever your age, it’s never too soon to look ahead and begin giving thought to your retirement. With proper planning, you can make the transition to retirement a smooth, comfortable and confident ride. Today, more than ever,...

Tuesday, October 5, 2021

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...

Monday, October 4, 2021

When it comes to retirement plans, there is no one-size-fits-all approach for how to invest. While there are some basic strategies everyone should follow, it’s important to keep in mind retirement plans will vary, depending on...

Tuesday, September 28, 2021

In an increasingly paper-free society, organizing your financial documents can still be a challenge. No matter how simple or complex your financial picture might be, it takes some thought-out organization to keep your tax documents,...

Sunday, September 26, 2021

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

Monday, September 20, 2021

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...

Sunday, September 19, 2021

If your 65th birthday is coming up—or if you're receiving Social Security Disability payments and are about to qualify for Medicare before age 65—you may be wondering exactly what comes next.1 Below, we discuss some...

Monday, September 13, 2021

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...

Sunday, September 5, 2021

Saving for that down payment on a home is tedious. The last thing any new homeowner wants to worry about is expensive home repairs. Unless you are prepared to ask the right questions of the previous homeowner, you may need to stick to...

Monday, August 30, 2021

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....

Sunday, August 29, 2021

Natural disasters like wildfires, floods, earthquakes, tornadoes, and long-term power outages don't discriminate—they may impact anyone at any time. However, you don't need to live your life under the constant stress of expecting...

Monday, August 23, 2021

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...

Sunday, August 22, 2021

As a successful business owner, you don't want to think about your operations being interrupted by a natural disaster or other unexpected event. Yet the possibility is a real one. Natural catastrophes represent just a portion of the...

Sunday, August 15, 2021

First the car broke down, then the dishwasher stopped working, and now the dog is sick. Sometimes the old proverb, "It never rains but it pours," seems to ring a little too true. When you need money to pay large, unexpected bills,...

Thursday, August 12, 2021

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

Tuesday, August 10, 2021

The financial world is a complex one to navigate. New investment products, global investing opportunities, employee-driven 401(k)s — these (and many more) collectively underscore the value of seeking professional financial advice...

Friday, August 6, 2021

If you own a business, you may have spent years dreaming of passing along the business to your children, nieces and nephews, or other family members after you retire. However, transferring a family business—and its ability to...

Tuesday, July 13, 2021

THE BASICS OF RETIREMENT PLANNING You may have a very idealistic vision of retirement — doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you...