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Wednesday, November 22, 2023

If one of your New Year's resolutions involves enhancing and expanding your investment portfolio, look no further. In a true New Year's Eve countdown tradition, ask yourself these 10 questions to help review your investment plans.

Monday, November 20, 2023

As a small business owner, your employees are the heart and soul of your organization. Beyond the satisfaction of providing jobs and supporting community members, there are tangible financial incentives available for businesses.

Monday, November 20, 2023

As a business owner, putting all your profits back into the business may be tempting, especially during the lean years. However, when it comes to saving and investing as a business owner, there are other paths you could consider...

Wednesday, November 1, 2023

Private adoption in the U.S. is expensive, with some families paying up to $40,000 to add each new member. Fortunately, there are quite a few things that families may be able to do to reduce or even outright eliminate the cost of adoption.

Wednesday, November 1, 2023

As we approach the end of the year, you may want to review areas that may impact your wealth and estate planning next year. In this year-end planning guide, we examine four critical areas to consider that may affect your finances.

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Wednesday, November 1, 2023

This past June, the Supreme Court struck down President Biden's plan to cancel up to $20,000 in federal student loan debt for qualified borrowers.

Wednesday, November 1, 2023

What is planning for business expansion? A growing firm often finds it necessary to expand the level of its operations. To accomplish this, the firm might acquire additional fixed assets, such as property, a plant, and equipment.

Wednesday, November 1, 2023

If you're considering giving back to society or a cause as part of your financial planning, there are many ways you can do so. You can make an impact while receiving tax benefits by including philanthropic giving.

Wednesday, November 1, 2023

Supporting local businesses means you’re supporting your friends and neighbors. And you’re likely to find unique items in mom-and-pop shops that you can’t find anywhere else.

Wednesday, November 1, 2023

The penultimate month of the year is often a time to reflect and offer thanks. And while economic and geopolitical uncertainty can overshadow the positives, there are things to be thankful for.

Tuesday, October 10, 2023

Many governmental and private organizations have committed to improving the resources and aid available to women-owned businesses. From grants and loans to federal contracting aid, read on to learn more about four unique opportunities.

Tuesday, October 10, 2023

Risk management is a key component in any successful business plan. In today's world — where data breaches are common occurrences — it's especially important for business owners to understand the digital risks they face.

Wednesday, October 4, 2023

The S&P 500 lost 3.3% in the third quarter after sliding nearly 5% in September. Putting this into perspective, nothing really qualifies as out of the ordinary. Since 1950, the S&P 500 has historically declined in September 55% of the...

Sunday, October 1, 2023

Make your annual review more efficient and productive to improve next year. When you work with a financial professional, then you know how important the year-end review is to the financial planning process.

Sunday, October 1, 2023

October 2021 marks the 18th Cybersecurity Awareness Month—and cybercrime continues to evolve.1

Sunday, October 1, 2023

Small businesses face many problems related to their size, capital, and capability, and for women-owned small businesses, the challenge is sometimes even greater.

Sunday, October 1, 2023

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 people.

Sunday, October 1, 2023

If you're like many, you may associate long-term care with nursing homes and end-of-life care. But far more people will need long-term care in a crisis.

Thursday, September 7, 2023

Financial markets lived up to their reputation during the month of August, which has a record for being difficult. On the first day of August, markets had to contend with a downgrade of U.S. long-term debt by the rating agency, Fitch.

Sunday, September 3, 2023

As a business owner, you have unique college planning opportunities. If you are in a high tax bracket, it may be advantageous for you to shift assets or income to your child, who will typically be in a lower tax bracket.

Saturday, September 2, 2023

For many, autumn is the best time of year. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your spending after the summer’s over to see what lies ahead.

Friday, September 1, 2023

The path to retirement can often seem daunting, with the end goal appearing distant and difficult to reach. However, don't be discouraged. There are various strategies you can adopt today to get your retirement savings back on track.

Monday, August 28, 2023

By focusing on goals and priorities, you can create a new, simplified lifestyleReflect on Your Goals and PrioritiesBefore you begin the downsizing process, take some time to reflect on your goals and priorities.What do you want to...

Friday, August 18, 2023

Even if you are already retired, it doesn't mean you should stop trying to grow your savings. Inflation, unexpected medical bills, and changes to your lifestyle or family may result in the need for additional income than you initially...

Thursday, August 17, 2023

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...

Friday, August 11, 2023

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...

Monday, August 7, 2023

The hot topic of employer-sponsored retirement plans has been in the news again lately, and Illinois is among multiple states that have launched a state-sponsored retirement savings plan. Illinois’ Secure Choice Retirement Plan...

Friday, August 4, 2023

Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you...

Tuesday, July 25, 2023

Many people care for a loved one out of necessity as their family members can no longer care for themselves. More than one in ten people in the United States also care for an adult, spending about three hours each day on caregiving...

Wednesday, July 19, 2023

During turbulent financial times, having a financial emergency plan might provide you with a proverbial life preserver. Whether it is an emergency fund to help you tackle an unplanned expense, insurance to cover an unexpected accident...

Tuesday, July 18, 2023

Almost half of all adults are part of the "sandwich generation." These are adults in their 40s and 50s who are helping support or care for a parent while also supporting or caring for a child.1 Being caught between two generations of...

Wednesday, July 12, 2023

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...

Tuesday, July 11, 2023

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...

Thursday, July 6, 2023

The hot topic of employer-sponsored retirement plans has been in the news again lately, and Illinois is among multiple states that have launched a state-sponsored retirement savings plan. Illinois’ Secure Choice Retirement Plan...

Saturday, July 1, 2023

Over the next twenty years, a wealth transfer will occur that exceeds $30 trillion as the Baby Boomer generation passes the remainder of their wealth to the Millennials and subsequent generations. The Baby Boomers (born 1946-1964) are...

Thursday, June 1, 2023

If you're getting ready to buy a home, there are a few key steps you can take to prepare your finances for this major lifestyle shift. Here we discuss three things you can do to make the transition to homeownership as smooth as possible.

Thursday, June 1, 2023

Whether you have been working in your current industry for only a short time or have been in the same field for decades, boosting your education is always an excellent idea.

Thursday, June 1, 2023

Risk management is a key component in any successful business plan. In today's world — where data breaches are common occurrences — it's especially important for business owners to understand the digital risks they face.

Thursday, June 1, 2023

Golfing and investing may not seem to share much common ground at first glance. But the more you think about it, a successful golfer and a successful investor share a number of traits such as patience, perseverance, and attention to detail.

Thursday, June 1, 2023

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

Thursday, May 18, 2023

A PEST analysis can help you identify and understand macro-factors better In the world of business, one must navigate through a sea of uncertainties and external factors that can significantly impact the success of any venture. While...

Wednesday, May 3, 2023

Although it initially appeared that a stable spring would set the markets up for a calm, quiet summer, a flurry of recent activity is testing investor sentiment.

Monday, May 1, 2023

You may have thought your digital identity was safe and not a likely target of a cybercriminal until one day, the bank calls wondering if purchases made at a store that you have never been to, 2,000 miles away, were made by you.

Monday, May 1, 2023

Small businesses may often find themselves struggling, and there are many situations in which business owners may find themselves weathering a storm and hoping to make it through.

Monday, May 1, 2023

If you saved for retirement for a while, you might look forward to a break from financial responsibility for the remaining portion of your life. But striving for economic betterment should not end when you hit retirement.

Monday, May 1, 2023

Work is stressful at times, and anxiety and stress among your employees may lead to performance issues and an overall lower productivity rate. By promoting wellness in the workplace, you may reduce employee burnout.

Monday, May 1, 2023

529 plans can be a great way to save for college, but they're not the only way. When you're investing for a major goal like education, it makes sense to be familiar with all of your options.

Monday, April 10, 2023

The earlier you seek financial advice, the more this advice might help your business as it grows. Here are five ways a financial professional could be your ally as a small-business owner.

Wednesday, April 5, 2023

The sound foundation of our financial system corroborates our constructive optimism of the upward and long-run trend of markets, despite headlines designed to jar nerves and test our steadfast resolution.

Monday, April 3, 2023

Money myths have been circulated with such frequency that many people unknowingly believe them. These myths also tend to restrict people’s thinking regarding their money, which can potentially limit their wealth opportunities.

Monday, April 3, 2023

You can plan better for retirement if you know how income from other benefit plans may affect your Social Security benefits and how your Social Security benefits may affect how much you receive from other benefit plans.

Monday, April 3, 2023

Before you rush to get that return out the door, are you confident you have everything in order to make your tax filing go as smoothly as possible? Here are five last minute details to double check before Tax Day.

Monday, April 3, 2023

If you are looking for something to fill your downtime that may be fulfilling and beneficial to your health and wellbeing, community service may be an option for you. Read more for benefits retirees may enjoy by devoting time to service.

Monday, April 3, 2023

Many entrepreneurs can be vulnerable to burnout, which can quickly turn a dream business into a nightmare. What can business owners do to reduce stress and avoid losing their zest for entrepreneurship? Check out these five helpful tips.

Thursday, March 16, 2023

The FDIC-seizure of Silicon Valley Bank is the second-largest US bank failure in history as it held $209 billion in assets at the time of its collapse. Even after adjusting for inflation, by assets it trails only Washington Mutual.

Monday, March 13, 2023

Hello All,Financial markets were shaken last week as Silicon Valley Bank (SVB), the California bank subsidiary of SVB Financial Group (SIVB), fell into FDIC receivership. SVB is the first FDIC-insured institution to fail since 2020 and...

Monday, March 6, 2023

Financial markets have experienced quite a bit of change this year in just two short months. We remain confident that a new bull market will come—it just may require a bit more of our patience before we get there.

Friday, March 3, 2023

This year's National Consumer Protection Week is March 6th through March 12th. It's a time to educate people about their rights as consumers and how to make informed decisions about their money.

Friday, March 3, 2023

As you get older, the question of when to collect Social Security retirement benefits and how your monthly payment may be impacted by working is essential. Here's what to consider before making your decision...

Friday, March 3, 2023

Many women manage their own money. Regardless of your level of investing experience, there are certain investor traits that can prove advantageous for anyone.

Friday, March 3, 2023

Having easy access to credit goes hand in hand with having a good credit score, so it's important to know how to maintain a positive credit score and credit history.

Thursday, February 2, 2023

It’s easy to carry the stress of home to work, and work to home. Doing so will most likely inhibit your time to relax with friends, family, and your productivity in the work place. Budget your time accordingly for each aspect of...

Thursday, February 2, 2023

February is American Heart Month and the perfect time to get serious about your heart health. Heart disease is the number one killer of Americans and a disease that may be prevented and treated with proper health and screening. Take a...

Thursday, February 2, 2023

Tax time can be stressful, and often means a lot of time and paperwork, but you can reduce some of the stress by going paperless with your tax documents. You can receive tax documents (and many additional mailings) electronically by...

Thursday, February 2, 2023

The SECURE Act 2.0 was signed into law on December 29, 2022, which will work to close the retirement savings gap with over 90 new retirement provisions. The bill includes a few specific changes that are significant for small...

Thursday, February 2, 2023

Today, many people are concerned about saving for retirement or paying for a large ticket item, such as a child’s college education. If you belong to this group, now may be the time to organize your finances. It is never too...

Thursday, February 2, 2023

When we look back on 2022, it’s easy to identify the challenges—but if we look closer, we can also uncover some opportunities. Overall, we see reason for renewed optimism when it comes to the markets in 2023.

Monday, January 2, 2023

Whether you're hoping to retire soon or are just beginning to explore the idea of stepping back from your job, you're probably wondering how to make it happen. Will you have enough money? How will you spend your time? What will you do...

Monday, January 2, 2023

What if you focused on your system instead of just your goals? Setting goals for a new year can feel overwhelming.  We all know that resolutions don’t last, but we also feel the energy that comes with a new year of...

Monday, January 2, 2023

After years of saving and planning for their golden years, many people nearing retirement fail to consider the tax burden they may face on income they receive after they stop working. While you will likely see a reduction in the amount...

Monday, January 2, 2023

Financial wellness studies over the past few years indicate that investors desire financial wellness. The recent pandemic, economic and inflationary conditions, changes in work-life balance, and more responsibility for financial...

Tuesday, December 6, 2022

Through all the challenges, newfound opportunities, and every high and low 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...

Thursday, December 1, 2022

Here are some things to consider as you weigh potential tax moves between now and the end of the year. 1. Defer income to next year. Consider opportunities to defer income to 2023, particularly if you think you may be in a lower tax...

Thursday, December 1, 2022

What constitutes a gift to charity? A gift to charity is simply a gratuitous transfer of property to a charitable organization. The key is that your gift must be some kind of property--your time or personal services do not count. There...

Thursday, December 1, 2022

Finding the perfect gift for those on your list can be difficult, but you can make your holiday shopping easier by gifting subscription boxes. These packages of hand-selected goodies can be arranged and mailed for you, and if you...

Thursday, December 1, 2022

Change may be difficult, especially when you try to change your financial habits. The process might be easier if you take an incremental approach. Do you want to get on top of your finances this year? Are you looking for ways to...

Friday, November 11, 2022

Private adoption in the U.S. is expensive, with some families paying up to $40,000 to add each new member. Fortunately, there are quite a few things that families may be able to do to reduce or even outright eliminate the cost of...

Friday, November 11, 2022

Volunteering as a family is a great way to spend some quality time together and help give back to those in need or assist your local community. No matter the age of your family members, there are plenty of volunteer opportunities to...

Friday, November 11, 2022

Whether you're hoping to retire soon or are just beginning to explore the idea of stepping back from your job, you're probably wondering how to make it happen. Will you have enough money? How will you spend your time? What will...

Friday, November 11, 2022

Members of the military have a lot of special financial challenges that most people don't encounter. However, they have access to many benefits, tax breaks and legal protections that can make a huge difference in their families'...

Friday, November 11, 2022

Black Friday and Cyber Monday are two of the greatest days to score deals for holiday shopping. Unfortunately, with amazing deals plentiful, some scammers use these days to take advantage of shoppers looking for the greatest bargains...

Friday, November 11, 2022

American Express created Small Business Saturday in 2010 to provide small businesses with a holiday season boost on the heels of Black Friday. The day comes after one of the biggest shopping sales events and serves as a reminder to...

Friday, November 11, 2022

Yes, there are good things about being old, such as increased happiness, less stress, better marriages and deeper friendships. You seldom hear that...

Wednesday, November 9, 2022

The window of opportunity for many tax-saving moves closes on December 31, so it's important to evaluate your tax situation now, while there's still time to affect your bottom line for the 2022 tax year. Consider any...

Saturday, October 1, 2022

A list of things to consider as you think about year-end charitable donations With its family traditions and festive celebrations, the holiday season is the most wonderful time of the year. And according to GivingTuesday.org, the...

Saturday, October 1, 2022

Being an educator requires expertise and that you stay current on developments in your field. However, that level of ongoing attention can make it difficult to find the time to stay on top of issues that affect your finances, or to put...

Saturday, October 1, 2022

As cloud storage becomes more common, data security is an increasing concern. Companies and schools have been increasing their use of services like Google Drive for some time, and lots of individual users also store files on Dropbox,...

Saturday, October 1, 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...

Saturday, October 1, 2022

For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your...

Saturday, October 1, 2022

The cost of long-term care can vary widely based on location (both city and state) and level of care needed. However, one thing is for certain: with 7 in every 10 people requiring long-term care at some point, preparing for this...

Saturday, October 1, 2022

You are not alone if you do not have access to a 401(k) retirement plan. Pew Research data reveals that 35% of private-sector employees do not work for an employer that offers a plan.1 Fortunately, other retirement savings options are...

Saturday, October 1, 2022

Those turning 65 this year have a 7 in 10 chance of needing long-term care (LTC) at some point.1 With the cost of a private room in a nursing home now topping $100,000 per year, the thought of paying this — or for a loved...

Tuesday, September 27, 2022

Each year, the U.S. Department of Education distributes more than $150 billion in grants, loans, and work-study awards to millions of college students. With these financial aid programs, tuition, room and board, books, and other...

Sunday, September 25, 2022

You may already be aware of the importance of having enough life insurance coverage to handle financial matters that could affect your family in the event of your death. However, determining the appropriate amount of coverage for your...

Sunday, September 18, 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...

Sunday, September 11, 2022

The uncertainty of today's economy, rising interest rates, and market volatility may have you concerned about your 529 plan's performance over the past months. If your child or grandchild has an upcoming tuition bill soon, now may be...

Saturday, September 3, 2022

Smart self-care does not just mean spa days and movie nights: there are other therapeutic ways to reduce your mental and physical stresses, including how you manage your money. If your goal is to create healthier habits...

Saturday, August 27, 2022

Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you...

Saturday, August 20, 2022

College costs continue to rise: in 2021, the average student attending an in-state school could expect to pay more than $27,000 in college costs per year, while those attending private schools paid a whopping $54,800.1 Parents of...

Saturday, August 13, 2022

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

Tuesday, August 9, 2022

Every consumer likes a good bargain, particularly value investors, who seek out stocks trading for less than their intrinsic value. By choosing companies the market has undervalued, or investing in mutual funds with similar objectives...

Thursday, July 21, 2022

Hiring employees is sometimes a difficult task. You may need to find employees who fit the business culture and have the skills to get the job done. The good news for small businesses looking for employees with various skills and a...

Saturday, July 16, 2022

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...

Tuesday, July 12, 2022

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...

Saturday, July 9, 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...

Friday, July 8, 2022

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...

Tuesday, July 5, 2022

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...

Friday, June 17, 2022

It’s important to be task driven at work, but your mental and physical well-being should never suffer because of your daily tasks. Here are some questions worth asking yourself during a work day. How are you fueling your body? A...

Tuesday, June 14, 2022

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...

Friday, June 10, 2022

With companies downsizing to stay in business and corporate takeovers occurring almost every other day, the only thing certain in anyone’s career these days is change.Take Chris Brown, age 48, for example. After 15 years as a...

Saturday, June 4, 2022

College is expensive for many people. The average tuition and fees at a college or university for the 2019 to 2020 academic year at a four-year institution was $9,4001. This may include the cost of tuition, books, and housing. For some...

Friday, June 3, 2022

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...

Friday, May 27, 2022

At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses or the financial challenges of young adulthood...

Friday, May 27, 2022

Let's face it--in today's world, health insurance is a necessity. In fact,  most U.S. citizens and legal residents must have qualifying health insurance or face a penalty tax. Yet the cost of medical care is soaring higher every...

Friday, May 27, 2022

In recent years, many Baby Boomers have witnessed a growing trend: Their children are moving back home after graduating from college. In part, the return of the “boomerang” children to the nest may be due to the high cost...

Friday, May 6, 2022

Tuesday, April 26, 2022

Friday, April 22, 2022

Sunday, April 17, 2022

Wednesday, April 13, 2022

Wednesday, April 13, 2022

Friday, April 8, 2022

Tuesday, March 15, 2022

The green shoots are hard to see right now as spring approaches, clouded by war in Ukraine. Democracy is under attack and innocent lives are tragically being lost. But while we keep one eye on overseas developments, the other remains...

Friday, March 11, 2022

The Bureau of Labor Statistics released the February Consumer Price Index (CPI) data this morning, showing headline CPI climbed 0.8% month-over-month while core CPI, which excludes volatile food and energy prices, rose 0.5%...

Tuesday, March 1, 2022

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 these lessons to your financial life can be beneficial...

Thursday, February 3, 2022

Friday, January 28, 2022

Thursday, January 27, 2022

Thursday, January 27, 2022

Thursday, January 27, 2022

Monday, January 24, 2022

Tuesday, January 18, 2022

Tuesday, January 11, 2022

Thursday, January 6, 2022

Monday, January 3, 2022

Wednesday, December 29, 2021

Wednesday, December 29, 2021

Wednesday, December 29, 2021

Tuesday, December 28, 2021

Tuesday, December 21, 2021

Tuesday, December 14, 2021

Tuesday, December 7, 2021

Monday, December 6, 2021

Monday, November 29, 2021

The big news this week was Jerome Powell will remain in charge of the Federal Reserve (Fed) for four more years, so we wanted to do a quick blog that looked at how stocks have done while he has been the Fed Chairman. “There are...

Tuesday, November 23, 2021

While most people find the notion of creating a budget about as appealing as cleaning out closets, most would agree that the result—a well-crafted and useful budget—is worth the work Two financial “snapshots”...

Tuesday, November 23, 2021

Have you ever found yourself scrambling for spare cash to send with your child for school lunch? Have you paid a late fee because you simply forgot when a bill was due? Have you woken up in a cold sweat trying to remember if you paid...

Tuesday, November 23, 2021

Regardless of whether you prepare your taxes yourself or use a professional's services, it's a good idea to gather the information and documentation you need well in advance of your actual tax filing date. Below, we've listed some key...

Monday, November 22, 2021

On Thursday, November 18, the Conference Board released it October 2021 report detailing the latest reading for the Leading Economic Index (LEI), a composite of ten data series that tend to lead changes in economic activity. Many...

Tuesday, November 16, 2021

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,...

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 1, 2021

Index Performance View enlarged chart. U.S. and International Equities Stocks erased September losses with solid gains in October for the broad market averages. The S&P 500 returned almost 7% for the month, while the Dow Industrials...

Monday, October 25, 2021

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...

Monday, October 25, 2021

There are countless benefits of charitable giving. Through generous donations, you can make a difference in your community and society. You may also feel happier and even save on your taxes. On September 5th, consider participating in...

Monday, October 25, 2021

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...

Monday, October 25, 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...

Tuesday, October 19, 2021

The largest cost-of-living-adjustment since 1982 impacts 90% of seniors On October 13th, the Social Security Administration announced that Social Security and Supplemental Security Income benefits for tens of millions of Americans will...

Tuesday, October 19, 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 expectations, results exceeded estimates by the biggest margins we’ve...

Monday, October 11, 2021

Index Performance View enlarged chart. U.S. and International Equities Major U.S. and International Markets Finished Higher The major equity markets reversed course from last week to finish higher. The international markets results...

Monday, October 4, 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, September 27, 2021

On Thursday, September 23, the Conference Board released its August 2021 report detailing the latest reading for the Leading Economic Index (LEI), a composite of ten data series that tend to lead changes in economic activity. Many...

Friday, September 24, 2021

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

Friday, September 24, 2021

As Americans age, many of us are coming face-to-face with friends and family members who need long-term care (LTC). And, as we watch others grapple with the emotional and financial consequences of a long-term care event, we can’t...

Monday, September 20, 2021

Chinese property developer Evergrande’s liquidity crisis has sparked fear and massive selling in Chinese property stocks over the past several weeks. The big question is could this be the first domino to fall, sparking a systemic...

Thursday, September 9, 2021

Two large infrastructure bills have taken important steps to advance in Congress. Here's where they stand: On August 10, 2021, the Senate passed a $1.2 trillion bipartisan infrastructure bill, to be named the Infrastructure Investment...

Tuesday, September 7, 2021

It seems to be two steps forward, one step back for the U.S. labor market. The U.S. Bureau of Labor Statistics released its August employment report this morning, revealing that the domestic economy added a disappointing 235,000 jobs...

Monday, August 30, 2021

Index Performance View enlarged chart. U.S. and International Equities Major Markets Rebound The major markets finished higher after last week’s selloff, as an already strong week was capped off with a broad-based rally on Friday...

Tuesday, August 24, 2021

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

Tuesday, August 24, 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, August 23, 2021

Index Performance View enlarged chart. U.S. and International Equities Major Markets Pullback The major markets this week finished lower as value sectors reversed course from last week’s gains. The strength in cyclicals the prior...

Wednesday, August 18, 2021

As mentioned in the most recent Muni Market Monitor, high yield muni funds have accumulated $24 million of net inflows year to date, representing ~20% of total inflows to the total municipal category. With the prospects of higher...

Thursday, August 12, 2021

Fall is in full swing, and for most families, so is a return to the school year routine. But for some kids, adjusting back to this schedule can be stressful—and can take a little longer than you’d like to find balance. But...

Thursday, August 12, 2021

We’ve all heard the outrageous stories of tumbledown houses selling for record-high prices, dozens of multiple offers within hours of a new listing hitting the MLS, and bonuses and incentives to sweeten the pot from...

Wednesday, August 11, 2021

The Chairperson of the Federal Reserve (Fed) is appointed by the President of the United States and serves a four-year term. The current Chairperson, Jerome Powell, has held that position since 2018 so his initial term is ending early...

Thursday, August 5, 2021

August 5, 2021 Dear Valued Investor: Six months and counting. That is the current monthly winning streak for the S&P 500 Index. To take that a step further, this key equity benchmark has posted gains in 13 of the last 16...

Wednesday, August 4, 2021

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...

Thursday, July 29, 2021

Although we all know that “time flies,” it seems to move particularly fast as we watch our children grow. Yet, in considering a college future for a newborn, it is understandable that parents might procrastinate, since...

Thursday, July 29, 2021

There are many things you can do to keep your brain active: going outside more, listening to classical music, or learning a new skill. As you get older, it’s imperative to take care of your mental and physical health. Both are...

Wednesday, July 28, 2021

The Federal Reserve (Fed) meets this week to discuss its ongoing support for the U.S. economy. During its regularly scheduled two-day meeting, the nineteen-member committee is expected to discuss if and when the Fed should start to...

Wednesday, July 21, 2021

Top Story Earnings season off to a great start Beat rates have been outstanding so far with 85% and 90% of S&P 500 companies beating earnings and revenue targets. Second quarter earnings growth is tracking to a nearly 70%...

Tuesday, July 13, 2021

LPL Research Midyear Outlook 2021: Picking Up Speed is designed to help you navigate the risks and opportunities over the rest of 2021 and beyond. While the speed can be exhilarating as economic growth accelerates, it can also be...

Thursday, July 8, 2021

Dear Valued Investor: In the first half of 2021, the U.S. economy powered forward faster than nearly anyone had expected. Speed can be exhilarating, but it can also be dangerous. In our view, the overall economic picture remains sound...

Tuesday, July 6, 2021

Top Story Streaking. Stocks have been extremely strong recently. Here are some eye-opening stats. The S&P 500 Index is up seven days in a row for the first time since August 2020. It hasn’t been up eight in a row since April 2019...

Tuesday, June 29, 2021

Top Story Three Things That Worry Us Markets are off to a strong start this year, with the S&P 500 Index up about 14% so far. However, most of those gains came early in the year, and many stocks have stagnated over recent months. While...

Thursday, June 24, 2021

Finance, in general, bases on rational and logical theories, and for the most part, tends to be somewhat predictable. Early financial theories assumed that people behave rationally and predictably and that outside factors and emotions...

Thursday, June 24, 2021

Despite the economic shock of the coronavirus pandemic, American workers and retirees remain largely optimistic about their financial prospects for retirement. In its annual Retirement Confidence Survey conducted in January 2021, the...

Thursday, June 24, 2021

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...

Tuesday, June 22, 2021

Top Story Inflation And What the Fed Is Saying A complete picture of the reaction to the July 16 Federal Reserve (Fed) meeting is yet to come and may be more muted. Both stocks and bonds reacted strongly to the outcome of the...

Monday, June 14, 2021

Top Story Sustainable Investing Becoming Mainstream in Fixed Income Sustainable investing is becoming more mainstream in fixed income—and companies that fail to acknowledge changing dynamics may potentially face financially...

Wednesday, June 9, 2021

Top Story Policy tailwinds may turn into headwinds in 2022, but economic fundamentals likely to dominate The U.S. stock market was supported by tremendous fiscal stimulus in 2020 and into 2021 and may face some challenges as support...

Thursday, June 3, 2021

June 3, 2021 Dear Valued Investor: As we move into June, a path to normalcy is coming quickly with stadiums allowing full capacity, restaurants filling up, and summer vacations in full swing. Meanwhile, the U.S. economy continues to...

Wednesday, June 2, 2021

Market Blog Wednesday, June 2, 2021 Although 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...

Tuesday, May 25, 2021

Top Story Stock Market Gains Likely To Slow LPL Research explores how, as this bull market gets a little older, the pace of stock market gains will likely slow but does not expect pullbacks to last very long. Learn more in this...

Wednesday, May 19, 2021

Daily Insights U.S. markets point to a lower open Market participants continue to consider inflation’s impact on interest rates and Federal Reserve policy. The S&P 500 Index, the Nasdaq Composite, and the Dow Jones Industrial...

Tuesday, May 18, 2021

More and more Americans are contemplating their decision to retire this year. Others are tapping their retirement savings, while others continue to save more due to the economic fallout and impacts of COVID-19. The TD Ameritrade...

Tuesday, May 18, 2021

Many women have been a caregiver while raising children. Still, now many are caring for a loved one out of necessity as the older family member can no longer care for themselves. The Transamerica Center for Retirement Studies report,...

Tuesday, May 18, 2021

Many Americans are stressed over money issues related to COVID-19, according to a 2020 Survey by The National Endowment for Financial Education. The media may report a strong U.S. economy is emerging, but many people experience stress...

Tuesday, May 18, 2021

It is human nature to seek advice when things aren't going well or when an unforeseen event occurs. Often, people seek financial advice from a professional only when the stock market and their investments are experiencing turbulent...

Tuesday, May 11, 2021

Top Story Blowout earnings With nearly 90% of S&P 500 companies having reported, first quarter earnings are tracking to a remarkable 49% year-over-year increase, more than double the increase as of March 31. S&P 500 revenue is on track...

Thursday, May 6, 2021

Dear Valued Investor: As the calendar has turned to May, the popular “Sell in May and Go Away” stock market cliché is getting a lot of airtime. This is the idea that the stock market tends to be weakest between May...

Wednesday, May 5, 2021

Earnings are off the charts Perhaps the best thing we can say about the earnings upside generated by corporate America during Q1 2021—currently more than 22%—is that growth pierced the upper end of our earnings dashboard...

Wednesday, April 28, 2021

Corporate America Keeps Adding To Earnings Upside With about 25% of S&P 500 Index companies having reported, first quarter earnings are tracking to a 34% year-over-year increase, an impressive 10 percentage points above March 31...

Tuesday, April 20, 2021

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

Tuesday, April 20, 2021

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

Tuesday, April 20, 2021

Additional insurance to protect your assets and future Why doesn’t anyone ever tell you not to buy an umbrella liability policy? It seems like additional overall security for pennies. Sure, you can spend pennies paying for...

Monday, April 19, 2021

Peak optimism? Stocks are continuing their momentum from last year, with major indexes around the world making new highs and the S&P 500 Index already up more than 12% year to date. While optimism surrounding the reopening is certainly...

Wednesday, April 14, 2021

Growth and inflation expectations are widely known fundamental variables used in determining fair value for fixed income securities, but are there seasonal patterns that exist in the bond market that can help investors determine when...

Monday, April 5, 2021

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

Monday, March 29, 2021

Are We on the Brink of an Inflation Crisis? LPL Research explains why any upticks in inflation will ultimately prove transitory in this week’s Weekly Market Commentary, available at 1 p.m. ET. Daily Insights U.S. stocks open...

Tuesday, March 23, 2021

The U.S. Department of the Treasury is delaying the April 15th deadline to file and pay taxes until May 17th, giving individuals and businesses another month to file and then pay the government what they owe. The IRS will be providing...

Monday, March 22, 2021

Buying a life insurance policy is something that many people push off, sometimes until it is too late. For many people, the thought of buying life insurance means thinking about their death, which is something that most people wish to...

Monday, March 22, 2021

Setting healthy financial goals is critical. Even more important is staying committed to those financial goals. Keeping yourself committed to your goals may be difficult, especially when times may be financially tough. But by staying...

Monday, March 22, 2021

Whether you're searching for an accounting professional to help you with your business needs or just want your taxes prepared by a CPA, forming a relationship with an accountant can require a lot of trust — and due diligence....

Monday, March 15, 2021

March Madness: Stock Market Edition LPL Research share their “Final Four Factors” for the stock market in 2021 in this week’s Weekly Market Commentary, available at 1 p.m. ET. Daily Insights U.S. stocks open little...

Wednesday, March 10, 2021

Top Story Why Higher Rates Aren’t Bad For Stocks In this week’s new Market Signals podcast and video, Chief Market Strategist Ryan Detrick and Equity Strategist Jeffrey Buchbinder discuss why higher rates historically...

Thursday, March 4, 2021

It’s now been over a year since COVID-19 first hit American shores. While the pandemic has affected everyone to varying degrees, we can all agree that everyone’s life is different today than it was a year ago. It’s...

Monday, March 1, 2021

Here Comes The Earnings Boom LPL Research reviews an incredible earnings season and speculates on a potentially strong earnings rebound for 2021 and beyond. Find out more in today’s Weekly Market Commentary, available at 1 p.m....

Wednesday, February 24, 2021

New Market Signals Podcast Chief Strategist Ryan Detrick, Equity Strategist Jeffrey Buchbinder, and guest speaker Jason Hoody, Head of Investment Manager Research discuss why sustainable investing is a major trend that isn’t...

Tuesday, February 23, 2021

Unlike verbal literacy, financial literacy isn't often taught in schools—which means that many people may enter adulthood without having all the tools they need to make informed and effective financial decisions.[1] Fortunately,...

Tuesday, February 23, 2021

When saving for retirement, it often makes sense to contribute to employer-sponsored retirement plans to take advantage of any available employer match opportunities. However, not everyone has access to an employer-sponsored plan. Even...

Tuesday, February 23, 2021

With so much going on in the world today—from a global pandemic through economic hardship—it comes as no surprise that many people have recently found themselves under heavy financial stress. Whether it is due to the loss...

Wednesday, February 17, 2021

Global markets avoid chill of cold and ice across the United States Weather-related power outages temporarily limited US oil output, helping to push the US oil benchmark to over $60/barrel for the first time in over a year....

Tuesday, February 9, 2021

US stocks open modestly higher after last week’s strong rally European markets firmly higher in midday trading with the United Kingdom outperforming after lagging last week. Asian stocks mostly higher as Japan’s Nikkei 225...

Thursday, February 4, 2021

Dear Valued Investor, “In the short-term, the market is a popularity contest. In the long-term, the market is a weighing machine.” Warren Buffett 2021 is under way, as our nation and the rest of the world look to begin to...

Tuesday, February 2, 2021

Daily Insights The S&P 500 Index opens firmly higher to begin a busy week of earnings; over 100 S&P 500 companies set to report: European markets stronger in midday trading Asian markets surge overnight with Korea, Hong Kong and Taiwan...

Tuesday, January 26, 2021

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

Tuesday, January 26, 2021

Having a good credit score doesn't just get you the best interest rates. It can also reduce your auto insurance premiums, allow you to avoid security deposits, and in some cases, even help you get hired.1 But what goes into your credit...

Tuesday, January 26, 2021

When approaching the latter part of life, it is easy to get caught up in achieving every goal on your bucket list. Individual lists vary widely, but often are filled with wild adventures like skydiving and scuba diving in the Great...

Tuesday, January 26, 2021

Small Caps Still Strong Small cap stocks have outperformed large cap stocks and breadth continues to improve. Earnings are expected to surge this year. LPL Research continues to maintain a neutral small caps view—but with a...

Wednesday, January 20, 2021

Daily Insights Stocks open higher following the long weekend US stocks rise as investors await US Treasury Secretary Janet Yellen’s stimulus pitch to Congress. Bond yields are higher. European markets are mixed in early trading....

Tuesday, January 12, 2021

2021 Policies Update and the Markets In this week’s Market Signals podcast and video, LPL Research talks about 2021 policy updates and the possibilities of higher taxes and more regulation, more stimulus, higher Treasury yields,...

Wednesday, January 6, 2021

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

Wednesday, January 6, 2021

For investors approaching retirement, it is important to begin thinking about retirement income planning. This involves a mindset shift from accumulating an investment portfolio designed for growth to creating a portfolio of retirement...

Wednesday, January 6, 2021

Only one-in-four Americans (27%) feel very confident that they will have enough money to live comfortably when they retire, according to the 2020 Retirement Confidence Survey Summary Report.⁠11 While the number is up slightly from the...

Wednesday, January 6, 2021

Whether buying car insurance for the first time or reviewing your current policy, consumers need to understand the different types of automobile insurance coverage. Auto insurance policies consist of a variety of different elements,...

Tuesday, January 5, 2021

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

Wednesday, December 30, 2020

Solid holiday shopping season. Holiday sales grew 3%, beating forecasts for a 2.4% increase according to MasterCard’s SpendingPulse. Online sales rose 49% year over year. These results were impressive for a recessionary...

Tuesday, December 15, 2020

Daily Insights Stocks open firmly higher. US markets opened higher following the emergency-use approval of the Pfizer-BioNTech COVID-19 vaccine. Fiscal stimulus discussions are ongoing, but there have been no major developments....

Tuesday, December 8, 2020

More than most years, it’s hard to look ahead to the next year, to 2021, without looking back at 2020. A global pandemic, a massive economic collapse, a bear market, a surprisingly sharp reversal, a hotly contested election where...

Thursday, December 3, 2020

December 3, 2020 Dear Valued Investor: As 2020 comes to a close, we are already looking forward to a new year—and to a world very different from the one we’re leaving behind. Areas of the economy have been damaged and may...

Wednesday, December 2, 2020

Financial wellness, like physical wellness, isn’t something you should ignore. Instead, it's a critical concept for anyone who wants to be knowledgeable and confident about their finances, and in fact, financial wellness is so...

Wednesday, December 2, 2020

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...

Wednesday, December 2, 2020

If you’re looking for way to save money as you head into 2021, there are a few ways that can potentially cut costs around your household, without having a major impact on your lifestyle. Read on for three ways you can trim some...

Wednesday, December 2, 2020

The COVID-19 pandemic put quite a crimp on large parties or even smaller gatherings in close quarters, and now, holiday gatherings and events are likely to look very different in 2020. But different doesn't necessarily mean bad, and...

Wednesday, December 2, 2020

COVID-19 May Threaten the Recovery The stock market doesn’t appear fazed by the recent increase in COVID-19 outbreaks, but underlying economic data is beginning to reflect the latest government and consumer shutdowns. LPL...

Wednesday, November 25, 2020

COVID-19 cases have been rising in several regions around the world, prompting many countries to implement new restrictions to curb the spread of the virus. Governments in a few European countries have rolled out what has been dubbed...

Wednesday, November 18, 2020

It took more than two years, but small caps finally broke out to new highs, as the Russell 2000 Index on Friday closed at its first new high since August 31, 2018. This capped off one of the longest stretches ever without a new high....

Wednesday, November 11, 2020

Dear Valued Investor: Former Vice President Joe Biden has been elected the 46th President of the United States, defeating President Donald Trump in a tight race and bringing an end to the highly contested 2020 election. The new...

Wednesday, November 4, 2020

November 4, 2020 Dear Valued Investor: The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of...

Monday, November 2, 2020

As the traditional giving season approaches, there is one important item to add to your to do list: Create a holiday budget. Before the gift shopping and wrapping begins, take control of your wallet through financial preparation....

Monday, November 2, 2020

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

Monday, November 2, 2020

See if you can spot the flaw in this couple's plan: A husband and wife are retiring next month at age 62, with an equal amount saved in retirement and non-retirement accounts (let's call it $500,000 each). Like most, over their...

Monday, November 2, 2020

Last year, the average American spent nearly $1,000 per person on holiday gifts, up from about $885 per person in 2018.1 Though the COVID-19 pandemic continues to weigh on the retail sector (and many Americans' bank accounts), some...

Monday, November 2, 2020

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

Wednesday, October 28, 2020

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

Tuesday, October 20, 2020

US equities look to rebound from Monday’s selloff. The S&P 500 Index opened higher this morning after lack of progress on stimulus talks contributed to broad-based losses Monday. Investors may start looking ahead to a...

Tuesday, October 20, 2020

The world's events always affect the markets, and making smart investment choices requires you to look at what's happening around the world. But what about during an election year? How should you invest while the country is deciding...

Wednesday, October 14, 2020

Daily Insights Stocks open slightly lower as earnings season begins. Once launched by Alcoa, the unofficial start to earnings season now begins with several financial firms reporting. The S&P 500 Index opened slightly weaker Tuesday...

Wednesday, October 7, 2020

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

Thursday, October 1, 2020

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are designed to help you save money on medical costs by giving you access to a special savings account with tax benefits. Although these plans are very similar, they...

Thursday, October 1, 2020

Nearly one in three U.S. adults serves as the primary caregiver to a relative or other close loved one.1 With respite facilities throughout the country closed or operating on restricted hours as a result of the COVID-19 pandemic, many...

Thursday, October 1, 2020

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

Thursday, October 1, 2020

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

Thursday, October 1, 2020

Dear Valued Investor: Autumn has arrived, with students back in school, baseball playoffs beginning, and football in full swing. Life is trying to get back to as normal as possible despite the ongoing impact from COVID-19. While the...

Tuesday, September 29, 2020

The first presidential debate is tonight, September 29, with millions of people expected to tune in to see how each candidate handles the pressure. With tensions heightened amid an election that may be much closer than the polls...

Monday, September 21, 2020

We check in again today on some of the real-time economic data that LPL Research is monitoring to provide timely and valuable insights into the state of the US economy. Traditional economic data is often reported too slowly to pick up...

Wednesday, September 16, 2020

Global stocks look to rally. Most major Asian indexes were higher overnight following strong data on Chinese industrial activity and retail sales, although Japan’s Nikkei lagged. The Euro Stoxx 600 is higher at midday. The S&P...

Thursday, September 10, 2020

Now that you have decided that Medicare Advantage is an option worth exploring, you may be wondering what the next steps are to signing up. While the steps for signing up are simple, there are a few key points to remember during the...

Thursday, September 10, 2020

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

Wednesday, September 9, 2020

Economic Blog In the recent LPL Market Street View video, LPL Financial’s Chief Market Strategist Ryan Detrick discusses why the recession is likely over, making it one of the shortest recessions ever. Some reasons discussed...

Thursday, September 3, 2020

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

Tuesday, September 1, 2020

This Sunday, Warren Buffett turns 90 years young. “What can we say about one of the greatest investment minds that hasn’t already been said?” asked LPL Financial Chief Market Strategist Ryan Detrick. “We...

Tuesday, August 18, 2020

As the COVID-related economic weakness that characterized the first half of the year subsides, growth has begun to return as trillions in fiscal stimulus have helped to stabilize consumer spending. Against a backdrop of improving labor...

Monday, August 17, 2020

With the new school year fast approaching, and coronavirus cases still continuing to rise many parents are growing concerned about what the upcoming school year will look like. For some schools, in-person learning is expected to happen...

Wednesday, August 12, 2020

As election season heats up, we are often presented with questions regarding market returns based on the political party composition of the White House and Congress. In our Election Preview Weekly Market Commentary, we took a closer...

Friday, August 7, 2020

Open enrollment season is one of the shortest—in most cases, employees have only a few weeks to research their options and make a decision on things like their 401(k) contributions, health and dental insurance, disability...

Friday, August 7, 2020

Do you have a will, investing in education or building a Freedom Fund? Amid the heat of mid-summer, do you remember your New Year’s resolutions regarding your personal financial planning? How are you coming with your to-do list?...

Thursday, August 6, 2020

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

Wednesday, August 5, 2020

Economic Blog The 10-year Treasury yield is historically low, so low that it could climb a full 1% before the end of the year and still be the lowest year-end yield on record, with room to spare. Historically low rates come with a...

Wednesday, July 29, 2020

Economic Blog After carving out the first part of a “V-shaped” recovery, the US economy has leveled off somewhat in response to the latest wave of COVID-19 infections. In this week’s Weekly Market Commentary: Stalling...

Tuesday, July 21, 2020

While the 10-year Treasury yield has traded in a narrow range since early April, the equivalent real yield, represented by the yield on 10-year Treasury inflation-protected securities (TIPS), has continued to fall and could go lower....

Tuesday, July 14, 2020

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

Friday, July 10, 2020

FINANCIAL PLANNING UPDATE Subtract Inflation and It All Adds UpSome of us may remember the “good old days,” when gasoline prices were as low as 25¢ per gallon. Others may recall when a can of soda cost 15¢. But...

Tuesday, July 7, 2020

The Bloomberg Barclays US Aggregate Bond Index posted a solid total return of 2.9% in the second quarter of 2020, its eighth consecutive quarterly gain, and a relatively strong quarter for the broad investment-grade bond index...

Tuesday, June 30, 2020

Dear Valued Investor: The July Fourth holiday will be very different this year. Although it’s a time to enjoy family and friends, and maybe even watch some fireworks, social distancing and a new wave of COVID-19 cases also may...

Tuesday, June 23, 2020

Market Blog The US economy has made impressive progress in recent weeks. As the economy re-opens, the way we assess the recovery has changed. In March and April, we were looking for evidence that growth in COVID-19 cases was...

Tuesday, June 16, 2020

The yield on the 10-year Treasury yield has been broadly declining since the early 1980s, when it peaked over 15%, but even over that long decline there have been intermittent periods of rising rates. In fact, after periods of...

Tuesday, June 9, 2020

Market Blog In probably one of the least surprising economic calls of all time, the Nation Bureau of Economic Research (NBER) officially declared an end to the longest expansion ever and the start of a new recession. As shown in the...

Thursday, June 4, 2020

Dear Valued Investor: As we look ahead to the summer months, we can’t help but think what a challenging year it’s been so far. At the same time, we’re encouraged by the resiliency and accelerated innovation among US...

Tuesday, June 2, 2020

Market Blog 2020 is only five months old, but in many ways it is one of the most historic years we’ve ever seen. “2020 went from moving along nicely, to seeing the worst recession in a generation and the fastest bear market...

Thursday, May 21, 2020

Dear Valued Investor: “Never confuse a single defeat with a final defeat.” — F. Scott Fitzgerald The economic struggles in our country are among the worst we’ve ever seen. In April, a record 20 million people...

Monday, May 11, 2020

If you’re facing unemployment or concerned about the possibility of upcoming layoffs, there are some small, proactive steps you can take now to help make this difficult time more manageable. Build Your Network. It’s...

Monday, May 11, 2020

We are currently living in a confusing time where most of us cannot leave our homes. At first, this sounds great, but then you are hit with reality. You, and probably your spouse are working from home, and your kids’ school has...

Monday, May 11, 2020

While many people have been furloughed and others are working from home, public service workers have continued to show up at work every day as the coronavirus spreads through the United States. During Public Service Recognition Week...

Friday, May 8, 2020

Dear Valued Investor: Investors like labels for the economy and financial markets—many of them with the word “great” in them. The Great Depression. The Great Recession. The Great Lockdown. Well, we’ve moved into...

Wednesday, April 22, 2020

Dear Valued Investor: “Life is 10% what happens to you and 90% how you respond to it.” — Lou Holtz, Hall of Fame football coach As the battle against the COVID-19 pandemic continues, how we respond to it will...

Wednesday, April 22, 2020

In these trying times, even those with veins of steel can find themselves nervous about the market's direction and what it could mean for one's financial future. And the unprecedented nature of the novel coronavirus—and its...

Monday, April 6, 2020

In late March 2020, as the number of novel coronavirus cases in the U.S. surged past 100,000, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed into law.1 The CARES Act provides around $2.2 trillion in aid to...

Monday, March 30, 2020

The United States has more cases of the coronavirus than any other country, and in an attempt to stop the spread of this disease, states have closed schools and businesses throughout the country. These unprecedented shutdowns have...

Thursday, March 19, 2020

March 18, 2020 Dear Valued Investor: Our everyday lives have changed dramatically over the last few weeks as we work together to minimize the impact of the COVID-19 pandemic. We know these efforts are necessary, but they also have come...

Wednesday, March 18, 2020

Market Blog The market volatility continues, as the S&P 500 Index has closed either up or down 4% or more for a record 7 consecutive days. With the S&P 500 Index down 30% from the highs, it has officially moved into a bear market....

Wednesday, March 11, 2020

Dear Valued Investor: The tough times that global markets were experiencing due to the spread of COVID-19 (coronavirus) worsened this past weekend as a price war between Saudi Arabia and Russia resulted in sharply declining oil prices....

Wednesday, March 4, 2020

Market Blog In a move in which the timing was more compelling than the decision itself, the Federal Reserve (Fed) announced this morning that it unanimously decided to cut its policy rate by 50 basis points (0.5%) from the 1.5-1.75%...

Tuesday, March 3, 2020

Market Blog Last week was one of the worst in the history of the stock market, with the S&P 500 Index losing more than 11%, for its worst week since October 2008. Sparking the fear and selling were concerns over COVID-19 or the...

Monday, March 2, 2020

When you invest in the stock market, you want to see growth, but unfortunately, in most cases, investments do not grow all the time. Inevitably, the market goes up and down, and to safeguard your potential for long-term growth, you...

Wednesday, February 26, 2020

February 25, 2020 Dear Valued Investor: Monday was a tough day in the stock market, with the S&P 500 Index down more than 3% as the number of coronavirus cases reported outside of China jumped. Monday’s losses reversed all of...

Wednesday, February 26, 2020

It’s no surprise that uncertainty around the impact of coronavirus (or Covid-19) has led to increased buying pressure in longer-maturity U.S. Treasuries, pushing yields lower, but the strength of the move has been unusual. While...

Wednesday, February 19, 2020

Stock markets modestly lower after renewed coronavirus concern. Apple’s announcement that the coronavirus would impact sales had international markets striking a cautious tone overnight, with the technology sector getting much...

Tuesday, February 18, 2020

Dear Valued Investor: The start of 2020 has brought increased stock market volatility. The uncharacteristically calm market environment we experienced for much of the past four months was bound to end, but identifying the catalyst for...

Wednesday, February 12, 2020

The financial media returned to a favorite topic in the last week, yield curve inversion, but we caution against getting caught up in the building frenzy. The Treasury yield curve inverts when short-term interest rates move above...

Wednesday, February 12, 2020

On Saint Patrick’s Day, towns hold festive parades, people head to restaurants to dine on Irish fare, children pinch each other if they don’t wear green, and everything from beers to milkshakes turn the color of shamrocks....

Wednesday, February 12, 2020

Ideas to kick-start your journey toward healthy body and finances According to a study released in January of 2020 by the Centers for Disease Control and Prevention, all 50 states and territories had more than 15% of adults who were...

Wednesday, February 12, 2020

"Time is money." -- Benjamin FranklinBenjamin Franklin may not have been referring to the effect of time on money accumulating in an employer-sponsored retirement plan, but his words certainly ring true to today's investor. That's...

Wednesday, February 12, 2020

As temperatures warm up, trees begin budding, and the days get longer, you probably throw open your windows and think about spring cleaning your home. As you tackle washing windows, cleaning carpets, and sorting out the garage,...

Wednesday, February 12, 2020

YOU SHOULD PICK INVESTMENTS (AND TEAMS) SO YOU WIN MOST OF YOUR GAMES Sports metaphors and investing are natural pairs. A good way to look at portfolio management is the NCAA March Madness tournament. As with basketball, you should...

Wednesday, February 5, 2020

Economic Blog The 10-year U.S. Treasury yield moved to within .05% of its recent low on Friday, January 31, approaching the 1.47% mark set back in August 2019. Prospects of stabilizing global growth and progress on trade encouraged...

Wednesday, January 29, 2020

Market Blog Fears that the deadly coronavirus would spread further around the globe intensified Monday and led to the biggest one-day drop in the S&P 500 Index since October 8, 2019. In fact, it was the first time the index moved 1%...

Wednesday, January 22, 2020

ECONOMIC BLOG As the economic expansion caps its first decade, we thought it’d be a good time to check on LPL Research’s leading indicators in our Recession Watch Dashboard. As you can see in our latest update and in the...

Wednesday, January 22, 2020

Happy New Year! What a difference a year makes. One year ago the stock market was plunging and came perilously close to ending what has become the longest bull market ever recorded. In December 2018, dropping stocks were suggesting an...

Wednesday, January 15, 2020

Consumer inflationary pressures grew at a healthy, but manageable rate in December 2019. The core Consumer Price Index (CPI), which excludes food and energy, rose 2.3% year over year last month, around the fastest pace of the economic...

Thursday, January 9, 2020

Insurance is an important element of any sound financial plan. Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death. What Are Your Insurance Needs?...

Thursday, January 9, 2020

Money. It's hard to get and easy to lose. It doesn't take long for the wealth you've accumulated to disappear if you don't manage your money well or have a plan to protect your assets from sudden calamity. Snares like the ones...

Thursday, January 9, 2020

Retirement is inevitable, but knowing exactly when to do so is often unclear. No matter when you actually begin your retirement, you’ll benefit from planning your post-work life as early as possible. According to Gallup, the...

Thursday, January 9, 2020

Americans, it seems, are spenders. Personal savings rates are low and many people spend beyond their means. If you're among those Americans who can't seem to save, it might be time to create a budget. A budget allows you to understand...

Tuesday, January 7, 2020

The U.S. airstrike that killed the top Iranian military commander last week was a major escalation in Mideast tensions. In fact, it would be difficult to overstate the geopolitical significance of this action. Iran likely will...

Wednesday, December 18, 2019

Economic Blog December 17, 2019 December has been widely viewed as a strong month for stocks, with this year following suit so far. What many probably don’t realize, however, is the majority of the gains have taken place late in...

Thursday, December 12, 2019

At some point in your life, you probably have heard about the importance of developing a budget. But, why is a budget so important? Perhaps you simply spend what you must and save whatever’s left over. Or, perhaps you spend all...

Thursday, December 12, 2019

Sometimes, even highly-compensated individuals may find it difficult to achieve long-term success when it comes to managing their personal finances. Although they may attain a comfortable level of income, their focus may be on career...

Thursday, December 12, 2019

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...

Tuesday, December 10, 2019

After years of saving and investing, you can finally see the big day -- retirement. But before kicking back, you still need to address a few matters. Decisions made now could make the difference between your money outlasting you or...

Tuesday, December 10, 2019

As more Americans shoulder the responsibility of funding their own retirement, many rely increasingly on their 401(k) retirement plans to provide the means to pursue their investment goals. That's because 401(k) plans offer a variety...

Tuesday, December 10, 2019

Tax planning can be more advantageous when done during the year and well in advance of year’s end.Opportunities may exist for you to minimize tax liability, which could leave more income for you and/or your family. Generally,...

Tuesday, December 10, 2019

Hindsight is 20/20, but finding clarity in future uncertainty can be fuzzy. AT LPL RESEARCH, as we look forward to the year 2020 and a new decade, some key trends and market signals will be important to watch, including progress on U...

Thursday, July 4, 2019

Ancient Chinese merchants are said to have developed a unique way to manage their risk. They would divide their shipments among several different vessels. That way, if one ship were to sink or be attacked by pirates, the rest stood a...