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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

Tuesday, June 6, 2023

May 29 - June 2, 2023 Recap S&P 500 Posts Best Week Since March Nasdaq Climbs Sixth Week Stocks broadly rallied last week for a strong June start with the S&P 500 having its best weekly gain since March. Even as the rising number of leadin

Wednesday, May 31, 2023

May 22-26, 2023 Recap S&P 500 Snaps Two-Week Losing Streak Nasdaq Jumps Over Two Percent The major U.S. equity indices ended mixed last week amidst favorable prospects for a debt-ceiling deal to be reached over the weekend. The week was al

Monday, May 22, 2023

May 15-19, 2023 Recap Best Week Since March Small Caps Outperform Equities slipped on Friday amidst an abrupt but temporary halt to debt-ceiling negotiations. Markets were still driven higher by dovish comments from the Federal Reserve. Fe

Monday, May 15, 2023

May 8-12, 2023 Recap Equities Slip Second Straight Week Small Caps Underperform The S&P 500 finished with a fractional weekly loss for the 4th time in the last six weeks with renewed regional banking concerns and debt-ceiling worries servi

Monday, May 8, 2023

May 1-5, 2023 Recap Equities Mostly Lower Small Caps Fall the Least Despite a strong 1.85% S&P 500 finish on Friday, the benchmark index ended fractionally lower last week, capping a fifth straight week with less than a 1% change. Technolo

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Tuesday, May 2, 2023

April 24-28, 2023 Recap Equities Rebound Large Caps Perform Best Broad market stocks were mostly higher last week as the busiest week of the first quarter earnings season boosted investor sentiment, especially among mega cap technology fir

Monday, April 24, 2023

April 17-21, 2023 Recap Equities Slip Fractionally Small Cap and Defensive Stocks Perform Best Stocks struggled last week as slowing economic data heightened fears about a potential recession. Additionally, Federal Reserve officials signal

Monday, April 17, 2023

April 10-14, 2023 Recap Equities Rebound Small Caps Perform Best The S&P 500 and Nasdaq Composite rebounded last week, both finishing positive on the week for the fourth time since March 17. The Fed is making more progress in battling infl

Monday, April 10, 2023

April 3-7, 2023 Recap S&P 500 Breaks Four-Week Rally Stocks Slip Fractionally Following strong gains the week prior, the S&P 500 inched lower during the holiday shortened equity trading week. Jobless claims rose more than expected and corp

Monday, April 3, 2023

March 27-31, 2023 Recap Banking Contagion Fears Ease Best Week Since November 2022 The U.S. benchmark S&P 500 posted gains in four out of five sessions during the final week of March, returning 3.50% including dividends. Investor sentiment

Monday, March 27, 2023

March 20-24, 2023 Recap Volatile Week Ends Positive Equities Rise a Second Week All three major U.S. equity indices ended with weekly gains despite increased market volatility surrounding the global banking turmoil and another interest rat

Monday, March 20, 2023

March 13-17, 2023 Recap Equities End Mixed S&P 500 and Nasdaq Composite Post Weekly Gains U.S. equities ended mixed last week amid a busy week of economic data that was overshadowed by continued fallout over the two simultaneous banking fa

Tuesday, March 14, 2023

March 6-10, 2023 Recap Equities Tumble Worst Week Since September 2022 U.S. equities ended a volatile week with sharp losses amid two major California bank failures and a hotter-than-expected February jobs report. Separately, the unemploym

Monday, March 6, 2023

February 27 - March 3, 2023 Recap Equities Rebound as Yields Ease S&P 500 Snaps Three-Week Losing Streak U.S. equities finished the week with strong gains on Friday as investors re-assess their outlooks for peak terminal interest rates of

Monday, February 27, 2023

February 20-24, 2023 Recap Worst Weekly Decline of 2023 S&P 500 Falls Third Week U.S. equity backpedaled during the holiday-shortened trading week with the S&P 500 and Dow Industrials posting their third consecutive weekly declines. Invest

Tuesday, February 21, 2023

Weekly RecapFebruary 13-17, 2023 RecapEquities End MixedS&P 500 Slips Second Week U.S. equity indices ended narrowly mixed last week amid renewed inflationary concerns that will likely keep Fed policymakers postured to keep interest...

Monday, February 13, 2023

February 6-10, 2023 Recap Equities Backtrack Worst Week for Stocks This Year All three major U.S. equity indices were moderately lower last week with the S&P 500 and Nasdaq both posting their worst weekly performance since mid-December. In

Monday, January 30, 2023

January 23-27, 2023 Recap Equities Extend Gains Stocks Rebound U.S. stocks rebounded week-over-week with the benchmark S&P 500 ending Friday with its best YTD performance of the new year, posting gains in three of past four weeks. A tad st

Monday, January 23, 2023

January 16-20, 2023 Recap S&P 500 Posts First Weekly Loss of 2023 Stocks Cap Mixed Weekly Results U.S. stocks rallied strongly on Friday, led by strong gains in the tech sector but the benchmark S&P 500 finished fractionally on the week, p

Tuesday, January 17, 2023

January 9-13, 2023 Recap S&P 500 Up 4.22% in 2023 Best Week Since November U.S. equities capped a second straight weekly gain amid improving prospects for a soft-landing. The fourth quarter earnings season got underway last week with mixed

Monday, January 9, 2023

January 3-6, 2022 Recap S&P 500 Breaks 4-Week Losing Streak Best Week Since November All three major U.S. equity indexes sharply advanced on Friday, capping their best weekly performance since November as investors cheered slowing wage gro

Tuesday, January 3, 2023

Weekly RecapDecember 26-30, 2022 RecapS&P 500 Declines Fourth WeekRecession Fears Still AboundU.S. stocks ended narrowly lower in light trading volume the final trading week of 2022, with the S&P 500, Dow Industrials and Nasdaq...

Monday, December 19, 2022

December 12-16, 2022 Recap Stocks Down Second Week Recession Fears Resurface U.S. stocks retraced gains a second straight week but ended Friday above deeper intra-day lows. Recession jitters stirred investor angst last week after the Fed r

Monday, December 12, 2022

December 5-9, 2022 Recap Stocks Give Back Gains Fed Rate Jitters Stir Angst U.S. stocks more than retraced prior week gains, with the Dow posting its largest weekly loss since September. Despite mostly positive economic readings, negative

Monday, December 5, 2022

November 28 - December 2, 2022 Recap Stocks Post Back-to-Back Weekly Gains The Fed, Inflation, and the Labor Market U.S. stocks continued higher for the second consecutive week as investors viewed a speech by Federal Reserve Chair Powell a

Monday, November 28, 2022

November 21-25, 2022 Recap Stocks See-Saw Positive Fed Sees Progress in Slowing Inflation U.S. stocks rebounded last week, more than fully retracing prior week losses after minutes from the Federal Reserve’s November policy meeting signale

Monday, November 21, 2022

November 14-18, 2022 Recap Stocks Slip Last Week Trimming November Gains U.S. stocks retreated modestly last week, trimming solid month-to-date (MTD) gains spurred by lighter than expected inflation data that had ignited hopes the Federal

Monday, November 14, 2022

November 7-11, 2022 Recap Trimming Gains as Rate Outlook Steepens Best Week Since June U.S. stocks surged last week, more than fully rebounding from prior week losses after the October consumer price index (CPI) came in softer-than-expecte

Monday, November 7, 2022

October 31 - November 4, 2022 Recap Trimming Gains as Rate Outlook Steepens Stocks Retrace Prior Gains U.S. stocks ended lower last week after the S&P 500 and Nasdaq Composite previously registered back-to-back weekly gains. The major mark

Monday, October 31, 2022

Weekly RecapOctober 24-28, 2022 RecapMomentum Extends Another WeekStocks AdvanceU.S. stocks powered higher for a second weekly gain driven higher on earnings relief mostly centered in value-based companies. Growth-oriented companies...

Tuesday, October 25, 2022

October 17-21, 2022 Recap Investor Optimism Grows Stocks Rebound Corporate earnings and comments from Federal Reserve officials were the focus last week. Thus far, just over 20% of the S&P 500 companies have released earnings for the 3rd

Monday, October 24, 2022

October 17-21, 2022 Recap Investor Optimism Grows Stocks Rebound Corporate earnings and comments from Federal Reserve officials were the focus last week. Thus far, just over 20% of the S&P 500 companies have released earnings for the 3rd q

Monday, October 17, 2022

October 10-14, 2022 Recap Stocks Weaken on Persistent Inflation Wild Week Ends Moderately Lower U.S. stocks ended mostly lower last week even as the S&P 500 captured a monumental turnaround on Thursday, reversing a 2.39% intraday loss into

Monday, October 10, 2022

October 3-7, 2022 Recap Tale of Two Halves Roller Coaster Week Ends Net Positive U.S. stocks snapped a three-week losing streak in which the S&P 500 surged over 5% in the first half of the week, delivering its best two-day gain since 2020.

Monday, October 3, 2022

Weekly RecapSeptember 26-30, 2022 RecapDismal Week, Month and QuarterEquities Slump to Two-year LowsThe rout in U.S. stocks deepened another week with all three major domestic equity indices down in six of the past seven weeks. The S&P...

Monday, September 26, 2022

Weekly RecapSeptember 19-23, 2022 RecapAnother Down Week for StocksEquities Approach June LowsThe rout in U.S. stocks deepened last week with the benchmark S&P 500 posting its fifth weekly loss in six weeks and briefly breached its...

Monday, September 19, 2022

September 12-16, 2022 Recap Fourth Weekly Loss in Five Week Equities Retreat U.S. stocks fell sharply last week, with the S&P 500 posting its worst weekly performance since reaching its 2022 low in June. The S&P 500 is now down nearly 10%

Monday, September 12, 2022

September 6-9, 2022 Recap Stocks Break Losing Streak Equities Bounce Back U.S. stocks reversed course and broke their three-week losing streak. Investors became more optimistic that inflation likely peaked ahead of this week’s inflation re

Tuesday, August 30, 2022

August 22-26, 2022 Recap Equities Give Back More Gains Second Week of Selling U.S. equities fell sharply last week and erased month-to-date gains for August in all three major domestic indices. Investor sentiment soured after Fed Chairman

Monday, August 22, 2022

Stocks Drop After Four Weeks of Gains Equities Give Back Some Gains Markets had been rallying on reports of falling inflation, but last week investors took a more cautious tone. Investors dissected the Fed’s July meeting minutes released la

Tuesday, August 16, 2022

August 8-12, 2022 Recap Stocks Continue to Rise Week of Inflation Readings Major U.S. equity indexes were all up around 3% last week, as investors got a few different readings on inflation. On Wednesday, the Consumer Price Index was report

Monday, August 8, 2022

Weekly RecapAugust 1-5, 2022 RecapStocks Advance Third WeekStrong Jobs Data Trims Weekly GainThe S&P 500 posted fraction gains last week after an unexpected strong July payrolls report on Friday. The economy added 528,000 new jobs last...

Monday, August 1, 2022

Weekly RecapJuly 25-29, 2022 RecapStocks Advance Second WeekStrong Back-to-Back GainsAll three major U.S. equity indices posted their strongest back-to-back weekly gains since late March, simultaneously capping July with their...

Tuesday, July 26, 2022

WEEKLY RECAP July 18-22, 2022 Recap   Economic Calendar Monday, July 25 National Activity, Dallas Fed Manufacturing Activity. Tuesday, July 26 S&P CoreLogic Case- Shiller Home Prices, Consumer Confidence, New Home...

Tuesday, June 14, 2022

In their latest commentary, the Cetera Investment Management Team discusses today’s market sell-off and some possible positive surprises that could sway this market pessimism. CLICK TO READ As always, please reach out to the...

Tuesday, June 14, 2022

Should You Consider Paid Work to Generate Additional Income in Retirement?There are many reasons to pursue paid work in retirement beyond generating additional income. Work can provide a social outlet, create structure in your day, and...

Friday, June 10, 2022

The options for retirement investment solutions can be overwhelming with many options to choose from. Whether you're looking for low-risk solutions or an investment that can potentially provide a higher yield, options are available...

Wednesday, June 8, 2022

Start Building Your Wealth Now, See Resultsin the FutureBuilding your wealth isn’t something that will happen overnight. It’s with time, dedication and creating healthy habits that you’ll be able to increase your nest...

Tuesday, June 7, 2022

Weekly RecapMay 31 - June 3, 2022 RecapStocks Fall After Strong WeekGood News Becomes Bad NewsPositive economic news from the manufacturing sector and labor market had investors rethinking the Federal Reserve’s future interest...

Friday, June 3, 2022

You understand the importance of paying off credit card debt, but you also know you need to save for retirement. While you should focus on both, paying off debt is critical to your financial independence. There are several strategies...

Tuesday, May 31, 2022

Weekly RecapMay 23-27, 2022 RecapStocks Broadly ReboundS&P 500 Breaks Seven-Week Losing StreakThe S&P 500 surged nearly 2.5% last Friday, capping its strongest weekly gain since early November 2020 and ended a brutal seven-week losing...

Wednesday, May 25, 2022

It’s no secret that healthcare coverage is costly, but there are regulations in place to help protect premium holders like you. In accordance with the Affordable Care Act (ACA), insurers must maintain an 80/20 Medical Loss Ratio...

Monday, May 23, 2022

Wondering what might move the markets this week? Cetera Chief Investment Officer Gene Goldman sheds some light on what might be moving the markets this week. Start the Week Strong As always, please reach out to the office if you have...

Monday, May 23, 2022

6 Steps to Make Finances a Family Affair The Consumer Price Index, which tracks changes in the prices of certain goods and services and is often used to measure inflation, showed a slight drop in April. That’s notable because it...

Friday, May 20, 2022

Thank you for joining us IN THE ROOM with Ben Stein. If you’d like to watch the discussion again, or if you were unable to join us, the replay is available for you to view until June 19, 2022. To access the replay: If you...

Friday, May 20, 2022

3 Post-Retirement Risks to Know You have the life experience to know that you always have to plan for the unexpected. Instead of letting these situations risk derailing your retirement budget, plan for these hurdles so you can be...

Wednesday, May 18, 2022

What Should You Do With Your 401(k) When You Change Jobs? If you are moving to a new job, don’t forget about your 401(k) with your former employer. It’s important to know your options and make the most advantageous...

Monday, May 16, 2022

Just a friendly reminder to reserve your digital front-row seat to hear from economist, writer, and comedian Ben Stein. Ben will share his insights on today’s economic uncertainty, strategies for weathering rising inflation, and...

Monday, May 16, 2022

Weekly Recap May 9-13, 2022 Recap Stocks Continue Downward Trend S&P 500 Declines a Sixth WeekAll three major U.S. equity indices rebounded strongly last Friday but ended the week sharply lower as investors expressed fears around the...

Thursday, May 12, 2022

The Good, the Bad and the Ugly of Interest Rates Hikes The primary tool the Federal Reserve (the Fed) uses to conduct monetary policy is the federal funds rate. Changes in this rate influence other interest rates as well as broader...

Tuesday, May 10, 2022

"Be fearful when others are greedy and greedy when others are fearful," according to legendary investor Warren Buffett. It's a great quote but complex advice to follow, especially in 2022 when stock prices are down double-digits. It...

Monday, May 9, 2022

Wondering what might move the markets this week? Cetera Chief Investment Officer Gene Goldman sheds some light on what might be moving the markets this week. Start the Week Strong As always, please reach out to the office if you have...

Monday, May 9, 2022

You’re invited to an exclusive, one-on-one conversation with economist, writer, and comedian Ben Stein. More than Ferris Bueller’s economics teacher, Ben is a respected finance writer with a deep understanding of personal...

Saturday, May 7, 2022

A mom can be a great friend, a guiding light, a teacher. One thing’s for sure: no one can take her place. This Mother’s Day, we want to take the time to honor and thank the ones who have helped make us who we are. Here are...

Thursday, May 5, 2022

Uncover the Benefits of Hiring a Professional Working with a financial professional allows you to design a financial strategy based on your unique needs and aspirations, for today and the future. The benefits of working with a...

Tuesday, May 3, 2022

Wondering what might move the markets this week? Cetera Chief Investment Officer Gene Goldman sheds some light on what might be moving the markets this week. Start the Week Strong As always, please reach out to the office if you have...

Monday, April 25, 2022

Wondering what might move the markets this week? Cetera Chief Investment Officer Gene Goldman sheds some light on what might be moving the markets this week. Start the Week Strong As always, please reach out to the office if you have...

Friday, April 22, 2022

Earth Day is a day to celebrate our beautiful planet, enjoy nature, and make a conscious effort to help protect our environment. There’s no place like home, and Earth is home for us all. May we all reflect on Earth’s...

Wednesday, April 20, 2022

5 Easy Steps to Get Your Financial Resolutions Back on Track Did you know that 80% of News Year’s resolutions fail by mid-February?1 Interestingly, most people do not fall short of their goals due to a lack of motivation or...

Monday, April 18, 2022

Wondering what might move the markets this week? Cetera Chief Investment Officer Gene Goldman sheds some light on what might be moving the markets this week. Start the Week Strong As always, please reach out to the office if you have...

Monday, April 18, 2022

Weekly Recap April 11-15, 2022 Recap Assessing Red Hot Inflation Equities Extend DeclinesStocks fell on subdued pre-holiday trading volume last Thursday, capping all three major equity averages with weekly losses. Investors grew...

Thursday, April 14, 2022

6 Things That Are Making Retirement More Expensive and What You Can Do About It As inflation trends at the highest levels seen in more than 40 years,1 it’s wreaking havoc on the budgets and spending power of consumers in the...

Wednesday, April 13, 2022

You Could Be Eligible for More Medicare Benefits Medicare is a complicated topic. It's hard to know if you are eligible for Medicare coverage and what that coverage really pays for. We'll help you understand what Medicare covers and...

Tuesday, April 12, 2022

You might have heard some buzz about refinancing your home, but what exactly is refinancing? And, how do you know if refinancing your home is right for you? What Is Refinancing? Refinancing refers to the changing of the terms of an...

Tuesday, April 12, 2022

Wondering what might move the markets this week? Cetera Chief Investment Officer Gene Goldman sheds some light on what might be moving the markets this week. Start the Week Strong As always, please reach out to the office if you have...

Tuesday, April 12, 2022

Weekly Recap April 4-8, 2022 Recap Investors Get Insights Into the Fed’s Meeting Stocks DeclineThe S&P 500 declined, ending three consecutive weeks of gains. The week was somewhat quiet as far as economic releases. The big news...

Friday, April 8, 2022

The Importance of Saving for Retirement The importance of saving for retirement isn’t a lesson often taught in school. People tend to focus on more tangible goals to save for, like a first car or a house, and put off saving for...

Wednesday, April 6, 2022

When Will Your Investment Double? The Rule of 72 is one way of determining how long it may take for an investment to double in size, given a fixed annual compound interest rate of between 6-10%. Unfortunately, this rule is less...

Monday, April 4, 2022

Wondering what might move the markets this week? Cetera Chief Investment Officer Gene Goldman sheds some light on what might be moving the markets this week. Start the Week Strong As always, please reach out to the office if you have...

Monday, April 4, 2022

Monthly Recap Market Indices At-A-Glance The S&P 500 ended the quarter 5.2% below its January 3, 2022 record high. The Nasdaq Composite gained 3.48% in March, netting an 8.95% loss in the 1Q and ending 11.2% below its November 19,...

Saturday, April 2, 2022

April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...

Monday, March 28, 2022

Wondering what might move the markets this week? Cetera Chief Investment Officer Gene Goldman sheds some light on what might be moving the markets this week. Start the Week Strong As always, please reach out to the office if you have...

Monday, March 28, 2022

Weekly Recap March 21-25, 2022 Recap Stocks Advance Second-Straight Week Bargain-Buying ContinuesThe S&P 500 capped its first back-to-back weekly gain since early February as investors largely overlooked expectations for a more...

Friday, March 25, 2022

Cetera Investment Management has released its 2022 Second Quarter Outlook. In this outlook, they discuss growing inflationary pressures escalated by the war in Ukraine. The Fed is proceeding cautiously, but if inflation...

Thursday, March 24, 2022

Why You Don’t Want to Wait to File Your Taxes This Year The Internal Revenue Service (IRS) expects this tax season to be another challenging one for the agency and taxpayers alike. The agency finds itself struggling with a...

Wednesday, March 23, 2022

As we enter the next phase of the expansion, we try to quantify metrics the Federal Reserve uses to gauge the health of the economy. Here is Cetera Investment Management’s latest Fed-O-Meter used to determine if the Fed is being...

Tuesday, March 22, 2022

Weekly Recap March 14-18, 2022 Recap Stocks Surges Best Week in 15 MonthsStocks finished the week with four days of solid gains even as the Federal Reserve launched a new cycle of interest rate hikes. Gains came following declines in...

Tuesday, March 22, 2022

Wondering what might move the markets this week? Now, at the start of each week, a quick clip will be shared from Cetera Chief Investment Officer Gene Goldman, who will give a fast take on notable market events to look out for in the...

Tuesday, March 15, 2022

Weekly Recap March 7-11, 2022 Recap Stocks Slump as Russian Aggression Intensifies Worst Week Since January All three major equity indices posted another set of back-to-back weekly losses with the S&P 500 capping its worst weekly...

Tuesday, March 15, 2022

In their latest commentary, the Cetera Investment Management Team discusses "Don't Invest Like a Leprechaun." While many of you will be “going green” on the 17th of March, Leprechauns have their eyes set on gold...

Thursday, March 10, 2022

In their latest commentary, the Cetera Investment Management Team discusses the effect of sanctions on the Russian and overall global economies. With the U.S. and United Kingdom announcing a ban on Russian energy today, overall...

Wednesday, March 9, 2022

Why COVID-19 Will Continue to Drive Higher Costs for Long-Term CarE Public health experts believe that the COVID-19 pandemic is transitioning to the endemic stage, throughout much of the Northern Hemisphere. Epidemiologists call a...

Tuesday, March 8, 2022

Weekly Recap February 28 - March 4, 2022 Recap Stocks Fall as Oil Rises Equity Markets Pull BackAll three major equity indices fell last week as the war in Ukraine continues. Federal Reserve Chair Jerome Powell testified in his...

Friday, March 4, 2022

Continue to Care for Your Family For those shopping for life insurance and looking for ways to help their family even after they are gone, final expense insurance could be one alternative to consider. If your current life insurance...

Thursday, March 3, 2022

Should You Be Investing in a Retirement Money Market Account? As you’re nearing retirement, the options for retirement investment solutions can be nothing short of overwhelming. With so many options out there, how do you choose?...

Wednesday, March 2, 2022

Manage Your Money More Effectively Not having positive money management habits can have a severe impact not just on your current finances but also on your future finances. Creating and sticking to good habits can help you feel more in...

Tuesday, March 1, 2022

Prepare Yourself as a First-Time Homebuyer You’ve decided to buy your first home. That’s great! This is a big financial decision that likely took a lot of time and energy to make. With this decision comes an investment...

Thursday, February 24, 2022

In their latest commentary, the Cetera Investment Management Team discusses the recent Russian invasion of Ukraine and the ramifications on financial markets. In traditional geopolitical events, commodities tend to fall on economic...

Wednesday, February 23, 2022

Take Precautions to Protect Your Investments If you’re one of the many people who has decided to purchase a property to diversify your investments, it’s important to protect your investments and personal assets. Through...

Tuesday, February 22, 2022

Changing Your Will When and How to Make Amendments to Your Estate Plans Discussing your final wishes and estate plans can feel uncomfortable but leaving your family with a clear and current plan in the event of your passing can make...

Thursday, February 17, 2022

As we enter the next phase of the expansion, we try to quantify metrics the Federal Reserve uses to gauge the health of the economy. Here is Cetera Investment Management’s latest Fed-O-Meter used to determine if the Fed is being...

Friday, February 11, 2022

How to Avoid Tax Filing Headaches in 2022 Taxpayers have a few extra days to prepare and file their returns this year. The deadline to submit 2021 tax returns or an extension to file and pay tax owed is...

Wednesday, February 9, 2022

Get More From Your Your Life Insurance Make Your Policy Work For You As you and your loved ones get older, it could be time to start considering how you'll pay for long-term care. Paying for long-term insurance is one option, but your...

Monday, February 7, 2022

Changing Your Will When and How to Make Amendments to Your Estate Plans Discussing your final wishes and estate plans can feel uncomfortable but leaving your family with a clear and current plan in the event of your passing can make...

Thursday, February 3, 2022

Take Precautions to Protect Your Investments If you’re one of the many people who has decided to purchase a property to diversify your investments, it’s important to protect your investments and personal assets. Through...

Wednesday, February 2, 2022

Identify These Sections in Your Policies Understanding an insurance policy can feel like a big undertaking if you don’t have much experience with them. Knowing what six elements will likely be a part of every insurance policy...

Monday, January 31, 2022

In their latest commentary, the Cetera Investment Management Team discusses the roller coaster of a day to open the week in equity markets. Sunday night, stock futures pointed to a positive open, but soon sentiment turned negative...

Saturday, January 29, 2022

For the first time in nearly 20 years, the IRS has released updated actuarial or life expectancy tables. Those who take required minimum withdrawals (RMD) from retirement accounts may already know we use these tables to calculate your...

Friday, January 28, 2022

The Federal Reserve met in mid-January, and clarified its position on monetary policy, providing the clearest hint yet about short-term interest rates. The fed hinted that the first interest rate hit could come as soon as March.1 The...

Tuesday, January 25, 2022

In their latest commentary, the Cetera Investment Management Team discusses the roller coaster of a day to open the week in equity markets. Sunday night, stock futures pointed to a positive open, but soon sentiment turned negative...

Thursday, January 20, 2022

In their latest commentary, the Cetera Investment Management Team discusses the recent stock market volatility driven primarily by rising bond yields and a more hawkish Fed. With the move higher in bond yields, expensive high-multiple...

Wednesday, January 19, 2022

Thursday, January 13, 2022

Who Will You Select as Your Power of Attorney? There may come a time when you are no longer able to make legal or financial decisions. To prepare for when that time comes, consider appointing a power of attorney to act on your behalf....

Tuesday, January 11, 2022

Prepare Your Family For The Future Start Discussing Your Estate Plan It can be a difficult subject to bring up, but talking to your family about your estate plan is a gesture that allows your family members to stay up to date on your...

Thursday, January 6, 2022

Tax Credits vs Tax Deductions Which is Better For You? No one wants to pay more taxes than they have to. In the past, you’ve probably relied on tax credits and deductions to help you pay fewer taxes, but which one is more...

Wednesday, January 5, 2022

How Big Should Your Emergency Fund Be? Having an emergency fund could save the day, but you may be questioning how much to save, when you should save more and how you should spend these funds. You're not alone in asking these...

Tuesday, January 4, 2022

Wednesday, December 29, 2021

Wednesday, December 29, 2021

Thursday, December 23, 2021

Wednesday, December 22, 2021

Tuesday, December 21, 2021

Monday, December 13, 2021

USE THESE YEAR-END TAX PLANNING TIPS Everybody wants to save on their taxes. If you think tax-saving strategies are too complicated, you could be missing out on tax savings. There are a few simple tax-saving strategies available to...

Friday, December 10, 2021

COULD MEDICARE COVER YOUR HEALTHCARE COSTS Medicare is a complicated topic. It can be difficult to understand how it works and what it covers. We'll lay out what Medicare covers and hopefully take the confusion out of Medicare so you...

Monday, December 6, 2021

Make More Residual Income Are you looking for more ways to make more money but are already spending 40 hours a week at your regular job? Residual income could be the answer you're looking for! We're going to let you in on four ways...

Monday, December 6, 2021

THE REWARDS THAT COME WITHCHARITABLE GIVING Some charitable contributions are 100% tax deductible, while others you can't deduct from your taxes. If you want to maximize your tax savings through charitable giving, it's important to...

Friday, December 3, 2021

Monthly Recap Market Indices At-A-Glance The S&P 500 ended the month 2.9% below its most recent all-time high set on November 18.The Dow Industrials fared worse, shedding 1,336 points (-3.50%) last month. The Dow 30 index ended 5...

Friday, November 26, 2021

You see it in prices at the grocery store and the gas station. You feel it in your monthly budget. So why don’t the financial markets seem too concerned about inflation?Remember, financial markets are considered...

Thursday, November 25, 2021

Warm wishes to you and your family.Happy Thanksgiving!

Sunday, November 21, 2021

Financial markets can be challenging to understand. But when markets enter a “bad news is good news” cycle, it becomes even more difficult to follow along.At its November meeting, the Fed outlined its plan to taper monthly...

Saturday, November 20, 2021

As we enter the next phase of the expansion, we try to quantify metrics the Federal Reserve uses to gauge the health of the economy. Here is Cetera Investment Management’s latest Fed-O-Meter used to determine if the Fed is being...

Friday, November 19, 2021

4 Smart Year-End Tax Planning Strategies to Consider NowOne of the greatest myths about tax planning is that it’s only for the wealthy. Yet, nothing could be further from the truth. If you earn income, the goal is to keep as...

Thursday, November 11, 2021

Thank you to all who dedicated themselves to serve our country. May we always remember and be grateful!

Wednesday, November 10, 2021

While it’s still too early to draw any final conclusions, Congress is getting closer to outlining what tax law changes are under consideration to pay for the proposed $1.75 trillion Build Back Better Plan.1For now, it appears...

Tuesday, November 9, 2021

Social Security Announces the Largest COLA Increase in 40 YearsThe Social Security Administration (SSA) recently announced the largest cost-of-living adjustment (COLA) in four decades. For Americans receiving Social Security benefits,...

Monday, November 8, 2021

ARE YOU LEAVING YOUR LOVED ONESWITH A PLAN? Creating a will may seem like something that isn't needed until you are further into retirement. However, that couldn't be further from the truth. Your spouse and children could face...

Monday, November 8, 2021

While it’s still too early to draw any final conclusions, Congress is getting closer to outlining what tax law changes are under consideration to pay for the proposed $1.75 trillion Build Back Better Plan.1For now, it appears...

Friday, November 5, 2021

As you have noticed, the days are getting shorter – and we are coming to the end of Daylight Saving Time for the year. On the first Sunday of November at 2:00 am, most of America will “fall back” into Standard Time...

Friday, November 5, 2021

Monthly Recap Market Indices At-A-Glance The S&P 500 finished October at its 59th record high of 2021, posting its best Jan-Oct performance (+24%) since 2013.The Dow Industrials gained 5.93% last month, notching its 40th 2021...

Thursday, November 4, 2021

To help raise revenue to pay for President Biden’s Build Back Better Plan, Congress is considering a number of tax law changes, including adjusting estate taxes.One of the proposals would reduce the estate tax exemption to...

Thursday, November 4, 2021

CHANGE YOUR BENEFICIARIES Even after your estate planning is complete, it's important to keep your beneficiaries updated and change them as necessary. Updating your beneficiaries listed throughout your estate plan can help ensure no...

Wednesday, November 3, 2021

AND LEARN HOW THEY CAN IMPACT YOU If you have a retirement account set up and you're making regular contributions, that's great! There may come a time when you need to move these retirement savings from one account to another, and...

Tuesday, November 2, 2021

While the world has begun to recover from the economic disruption of the COVID-19 pandemic, the delayed reaction has been felt in the supply chain. Industrial shutdowns around the world slowed production to a relative crawl, leaving...

Monday, November 1, 2021

The economic impact of COVID-19 has been felt from coast to coast. And, unfortunately for many pre-retirees, it could potentially impact Social Security benefits as well.A new report indicates that if Congress doesn’t take...

Saturday, October 30, 2021

The United States Postal Service has revised their 1-3 day first-class mail delivery window to 1-5 days. Important correspondence such as invoices may arrive later than usual.This change at the USPS will in no way impact the high...

Friday, October 29, 2021

In their latest commentary, the Cetera Investment Management Team discusses "Trick or Treating on Wall Street." Are you spooked by stocks or frightened of fixed income? Count Stockula and the Bond Reaper are known to emerge from the...

Thursday, October 28, 2021

What Does Your Credit Score Say About Your Financial Health?Your credit score, the three-digit number lenders use to help measure your credit worthiness, has the power to save—or cost you—thousands of dollars in interest...

Saturday, October 16, 2021

October brings to mind the beauty of the leaves changing colors and a time to enjoy the colder weather. But October also holds another meaning for millions of people: it’s Breast Cancer Awareness Month.Based on the numbers,...

Friday, October 15, 2021

ARE YOU READY TO PAY FOR LONG-TERM CARE? At some point in their lives, most people will need some long-term care whether that's at an assisted living community or at-home medical care. When preparing for this future, it can be hard to...

Thursday, October 14, 2021

Medicare Open Enrollment Is Here. 5 Steps to Prepare Now.October marks the start of Medicare’s annual open enrollment period, where more than 63 million Americans who receive benefits through the federal health insurance program...

Wednesday, October 13, 2021

5 WAYS TO DEFEND AGAINST IDENTITY THEFT You've probably heard about identity theft, but you may not know what it is or how to protect against it.First, let's talk about what identity theft is. Identity theft occurs when someone steals...

Friday, October 8, 2021

Quarterly Recap Market Indices At-A-Glance The S&P 500 has logged a near record run of 318 trading days above its 200-day moving average. The index is down 4.97% from its latest record high set on Sept 2.For the month, the Dow...

Thursday, October 7, 2021

LEARN ABOUT THE DIFFERENCE BETWEEN WILLS AND TRUST You may not know the difference between a will and a trust. As you're estate planning, you should know your options and the proper tools to achieve your asset distribution goals....

Wednesday, October 6, 2021

How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage.Have you switched...

Tuesday, October 5, 2021

HSA vs PPO Open enrollment is coming up soon, and it's important to know about all your insurance plan options before deciding which one is right for you. Two options you could have are a Health Savings Account plan (HSA) and a...

Monday, October 4, 2021

Most likely, you’ve heard what’s brewing in Washington, D.C., called by one of these names.The Build Back Better Act. Or the $3.5 trillion budget reconciliation bill. Or the Jobs and Economic Recovery Plan for Working...

Thursday, September 23, 2021

Leave a Lasting LegacyUse Your Life Insurance to Help You’ve worked hard your whole life to create a legacy you are proud of. But your legacy doesn’t have to stop when you pass on. There are ways for your legacy to live on...

Wednesday, September 22, 2021

Several Types of Insurance Changes to Consider as You Approach Retirement As you approach retirement, your financial needs and those who depend on you will likely change. This may require an update of your insurance needs as well....

Tuesday, September 21, 2021

How Technology Is Making It Easier and More Cost Effective for Retirees to Age in PlaceAccording to a recent national survey, 90% of adults, age 50 or older, say they want to remain in their current homes as they age. The survey also...

Monday, September 20, 2021

How to Keep Lifestyle Creep from Derailing Your Financial GoalsLooking back on your first fulltime job, do you ever remember thinking, “If I made ’X‘ dollars more, things would be so much easier”? However, once...

Monday, September 20, 2021

The stock market notched its 7th straight month of gains in August, and the Standard & Poor's 500 index has set 53 new highs so far in 2021.1During August, stocks rallied as investors looked past the increased number of COVID-19...

Friday, September 17, 2021

It can be incredibly difficult to make sense of data. A report coming from one body may tell you one thing, and another report might seem to offer a wholly different perspective.Such is the case with August’s jobs numbers from...

Wednesday, September 15, 2021

It’s time for your life insurance checkup.September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1If you don’t have any life insurance, you’re not alone. Life...

Wednesday, September 15, 2021

The most recent stats on corporate dividends suggest that global companies are bullish on the world’s economic recovery.Dividends paid to investors are on track to hit $1.4 trillion this year and are expected to stretch even...

Monday, September 13, 2021

Your workplace retirement account can play a critical role in your overall retirement strategy. However, some have gone further with the accounts than others, especially recently.CNBC reported on findings that place 401(k) accounts at...

Friday, September 10, 2021

Insurance Should Serve You Insurance coverage changes from provider to provider and plan to plan, as well as from person to person. There will likely be times when you’re paying for insurance that you're not using. Even if...

Wednesday, September 8, 2021

Feel like your finances have more control over you than you have over them? Or like you're in a financial hole and just keep sinking? There are ways to take back control of your spending and regain control of your finances.Explore...

Tuesday, August 31, 2021

Weekly Recap August 23 - 27, 2021 RecapEquities Climb on Dovish Taper ToneThree Record Highs Last WeekAll three U.S. major equity averages finished higher last week with the S&P 500 posting three new record highs and closing...

Friday, August 27, 2021

If you have a secret, don’t tell anyone at the Federal Reserve Bank. They may leak the story before you’d like.In early August, multiple regional Federal Reserve Bank presidents hit the speaking tour. They made headlines...

Thursday, August 26, 2021

Over the last year, many have seen their lives impacted by the COVID-19 pandemic. The ways in which we work, live, and communicate have drastically changed, to say the least.It’s difficult to predict what other aspects of life...

Wednesday, August 25, 2021

We are living in a pivotal moment of American history, and there’s one word that best sums up our hope and optimism: resiliency.It’s in this spirit that I’d like to invite you and your family to join me IN THE ROOM...

Tuesday, August 24, 2021

Weekly Recap August 16 - 20, 2021 RecapEquities Give Back GainsStocks Fall First Week in ThreeAll three U.S. major equity averages declined last week as investors grew worried that the Fed’s potential move to begin withdrawing...

Friday, August 20, 2021

1. Tax-Free WithdrawalsMoney that goes into a Roth IRA is after-tax dollars. Because you've already paid taxes on that money, once it is withdrawn, it comes out tax-free. There are some restrictions on those withdrawals if you want to...

Thursday, August 19, 2021

How to Keep Lifestyle Creep from Derailing Your Financial GoalsLooking back on your first fulltime job, do you ever remember thinking, “If I made ’X‘ dollars more, things would be so much easier”? However, once...

Wednesday, August 18, 2021

Which documents should you keep?And which ones can you shred? Everyone is guilty of holding on to documents for too long. Whether you feel like it has real value, or you're keeping it for fear of needing it, this can create quite a...

Tuesday, August 17, 2021

Weekly Recap August 9 - 13, 2021 RecapIt's All About EarningsBig Board Stocks AdvanceU.S. stocks drifted mostly higher last week with the Dow Industrials and S&P 500 both posting four consecutive daily all-time highs, a feat not...

Friday, August 13, 2021

Who Should Consider A High Deductible Health Plan? What is a High Deductible Health Plan?A High Deductible Health Plan (HDHP) is a government Marketplace health plan with an annual deductible of at least $1,400 for an individual or $2...

Wednesday, August 11, 2021

Your next loan could have more favorable terms. In a world that's moving away from cash and becoming more dependent on credit, you've likely heard financial institutions talk about the importance of credit scores. Whether it was in...

Friday, August 6, 2021

4 Things You Can Do About Rising InflationIn June, the Consumer Price Index, which measures the change in the prices of a broad range of goods and services over time, rose 5.4% from a year earlier, marking the sharpest increase in...

Wednesday, August 4, 2021

Corporate earnings season has begun, and the results are turning heads on Wall Street.Of the 120 companies in the S&P 500 index that reported numbers as of Friday, July 23, 89% of them beat the Street’s earnings-per-share...

Tuesday, August 3, 2021

Weekly Recap July 26 - 30, 2021 RecapParing Record HighsStocks Nudge LowerAll three major U.S. equity indices got haircuts last week, with the S&P 500 fluttering near record highs on Friday but reversed gains to close out the week...

Wednesday, July 28, 2021

Keep Growing After Your Career is Over Reap the benefits of learning. You worked hard in your career. You put in the necessary years to get your job done and felt fulfilled in doing so. And now you’re retired and are interested...

Tuesday, July 27, 2021

Weekly Recap July 19 - 23, 2021 RecapNew Equity MilestonesS&P 500 Posts Seventh Weekly Gain in Past Nine WeeksEquities rebounded last week with all three major U.S. equity indices finishing at fresh all-time highs as...

Thursday, July 22, 2021

The news keeps getting better for Social Security recipients.It's now projected that benefits will increase 6.1% in 2022, up from the 4.7% forecast just two months ago. That would be the most significant increase since 1983.1...

Wednesday, July 21, 2021

Impact Social Change Through Investing Choosing Investments Based on Social Responsibility For many people, the decision about what companies to invest in comes down to growth, profits and dividends. There’s nothing wrong with...

Tuesday, July 20, 2021

In their latest commentary, the Cetera Investment Management Team discusses today’s stock market sell-off and drop in bond yields due to rising Delta variant concerns. While the variant is a concern, they feel it is a low...

Tuesday, July 20, 2021

Weekly Recap July 12 - 16, 2021 RecapDelta Variant, Inflation Weigh on StocksEquities Decline from Record LevelsAfter finishing the prior week at all-time highs, all three major U.S. equity indices finished this past week lower....

Sunday, July 18, 2021

Don't Let Revenge Spending Wreak Havoc on Your Budget This SummerLive shows, concerts and sports venues are selling out within hours; cruise and hotel bookings have surged; airlines can’t keep up with the number of passengers...

Friday, July 16, 2021

Is It Time For a Mid-Year Financial Review?This summer looks remarkably different than last year. As pandemic-related restrictions are lifted, retail, sports, travel, dining and entertainment venues are welcoming consumers back in...

Wednesday, July 14, 2021

A simple explanation of how your Social Security benefits are calculated How Much Will I Get From Social Security?Social Security benefits are based on your lifetime earnings. Earnings are reported to Social Security through a W-2...

Tuesday, July 13, 2021

Weekly Recap July 5 - 9, 2021 RecapTrifecta All-Time HighsEquities Extend Record-Setting GainsAll three major U.S. equity indices finished the week at fresh all-time highs as a relief rally Friday more than fully erased earlier losses...

Sunday, July 11, 2021

With June officially behind us, it’s time to face the facts: we’re headed toward the second half of 2021. While there’s still plenty of time to enjoy the rest of summer, we encourage you to slow down and check up on...

Friday, July 9, 2021

In their latest commentary, the Cetera Investment Management Team discusses the recent stock market volatility and drop in bond yields. Risks are mounting in the economy at the same time the COVID-19 Delta variant is on the...

Wednesday, July 7, 2021

Weekly Recap June 28 - July 2, 2021 RecapJobs Data Sooths Fed FearsEquities Extend Record-Setting GainsU.S. stocks wrapped up another bountiful week with the S&P 500 closing Friday at its seventh consecutive all-time high, a...

Wednesday, July 7, 2021

Try these 5 strategies to gain financial health. Being financially healthy looks different for everyone and every life stage. But what almost everyone can agree on are the benefits of creating positive habits to improve the health of...

Friday, July 2, 2021

The Fourth of July is just ahead – a chance for us all to get together and celebrate what makes America so special. As Americans, we have the liberty to act, speak, think, and worship freely. This precious liberty was fought for...

Thursday, July 1, 2021

Inflation is defined as the general upward price movement of goods and services in an economy. The key word is “general.” Inflation tends to be uneven and affects the price of some items more than others.If you’ve...

Wednesday, June 30, 2021

At its June meeting, the Federal Reserve confirmed what many of us have suspected for some time: prices are rising. In fact, prices are climbing faster than many expected. In response, the Fed raised its inflation expectation to 3.4%,...

Tuesday, June 29, 2021

Weekly Recap June 21-25, 2021 RecapInfrastructure Plans Boost OptimismFrom Worst to BestU.S. equities rebounded last week with the S&P 500 transitioning from its worst week since January to its best week since February. Risk-on...

Monday, June 28, 2021

Cetera Investment Management has released its 2021 Midyear Outlook. In this outlook, they discuss the economy hitting its peak growth rate this quarter and investor enthusiasm around that growth, including the prospects for...

Thursday, June 24, 2021

One of the most anticipated comebacks of 2021 isn’t an athlete, rock star, or movie franchise. It’s summer travel, and it appears to be back with a vengeance.Travel agents are working 14-hour days to meet the needs of...

Wednesday, June 23, 2021

How Will You Transition Out of Your Company? A transition plan can help with this change. If the time has come for you to sell the business you’ve spent countless hours growing into a successful operation, create a transition...

Tuesday, June 22, 2021

In their latest commentary, the Cetera Investment Management Team discusses the recent stock market weakness caused by the Fed pivoting from a dovish to a more hawkish stance. CLICK TO READ As always, please reach out to the...

Monday, June 21, 2021

Weekly Recap June 14-18, 2021 RecapTaper Talk Rattles StocksS&P 500 Loses the Most Since FebruaryLast week, U.S. equities were lower with the S&P 500 logging its worst week since February after a 1.3% decline on Friday. Equity...

Saturday, June 19, 2021

Juneteenth is a celebration of freedom, marking the day when slavery came to an end in the United States. The observance of this holiday, formally recognized by the state of Texas in 1980, has continued to spread to the rest of the...

Friday, June 18, 2021

The real rate of return is an important personal finance concept to understand.It’s the rate of return on your investments after inflation. The real rate of return indicates whether you are gaining or losing purchasing power...

Wednesday, June 16, 2021

Recently, you may have seen headlines regarding the Securing a Strong Retirement Act, also referred to as the second version of the SECURE Act, or SECURE Act 2.0.As the bill moves from the House of Representatives to the Senate, many...

Tuesday, June 15, 2021

If there is a "silver lining" to all the inflation talk, it may be that Social Security benefits are expected to see a larger-than-normal increase in 2022.Preliminary estimates call for a 4.7% cost-of-living increase (COLA) in Social...

Monday, June 14, 2021

Weekly Recap June 7-11, 2021 RecapBrushing Off InflationBenchmark Stocks Rise Third WeekThe S&P 500 clinched a third straight weekly gain after closing at successive all-time record highs on Thursday and Friday. Stocks have traded...

Thursday, June 10, 2021

4 Reasons to Consider Selling Your Business in 2021Like many business owners, you may have spent more time over the last year focused on keeping your businesses afloat and navigating rapidly changing public health orders, rather than...

Wednesday, June 9, 2021

How Much Are You Contributing to Your Retirement? Max out your contribution limits. Do you know what the contribution limits are for your specific type of retirement account? Knowing these limits will help you make the maximum...

Tuesday, June 8, 2021

Weekly Recap May 31-June 4, 2021 RecapStocks Rise, Nearing Record HighsEquities Rebound Second WeekThe S&P 500 rose to within a whisper of its May 7 all-time high as Friday’s jobs data boosted recovery confidence while a...

Friday, June 4, 2021

Over Memorial Day weekend, gasoline prices hit the highest for this holiday weekend since 2014.1With the Colonial Pipeline outage in the rear-view mirror and an ever-increasing number of adults vaccinated, formerly cooped-up motorists...

Wednesday, June 2, 2021

Monthly Recap Market Indices At-A-Glance The Dow Industrials jumped 2.2% in May, outperforming the S&P 500, while both indices extended gains into a fourth month.The tech-heavy Nasdaq Composite fell 1.44% in May, its first...

Friday, May 28, 2021

As our nation continues to recover from the effects of COVID-19, one economic trend has been capturing news attention as of late. Consumer prices are rising amidst economic recovery. In fact, the Consumer Price Index (CPI) rose 0.8%...

Friday, May 28, 2021

On Thursday, June 17, you and your family are invited to join us for an invitation-only conversation and performance with a legend in the making: Leslie Odom, Jr.Get your digital front-row seat as Leslie shares his journey to success...

Thursday, May 27, 2021

Plan for Your Grandkid's Education Now! Learn about 529 Plans and how they can help you save. Sure, education may not be the most glamorous gift, but it can be a practical option that greatly benefits the recipient. But what’s...

Wednesday, May 26, 2021

6 Tips for Paying Off College Debt Get ahead of paying off your student loans. For many, student loans are a necessary debt—a means of paying for college and earning a degree that could potentially put life-changing career...

Tuesday, May 25, 2021

Weekly Recap May 17-21, 2021 RecapInflation Angst ContinuesBenchmark Equities Slip Second WeekThe S&P 500 fell fractionally last week, capping its first back-to-back weekly loss since late February as investors continued to fear...

Monday, May 24, 2021

Inflation can be a scary word for people who are retired. It’s code for “prices are going up, but my income may stay the same.”The most recent reading on consumer prices put inflation back into the conversation. The...

Wednesday, May 19, 2021

Which Education Savings Account is Right for You? Familiarize yourself with the most common education saving plans. When you’re ready to start thinking about saving for your kids’ college funds, it’s time to learn...

Tuesday, May 18, 2021

A cyberattack shut down a major gas and energy pipeline supplying the East Coast of the United States for several days. The actual pipelines themselves are still functional and have since started running again, but it’s led to...

Monday, May 17, 2021

Weekly Recap May 10-14, 2021 RecapInflation Fears Make Investors NervousEquity Markets SlipAll three major equity market indices saw their worst weekly declines since February. Investors are fearing inflation, which is on the rise,...

Thursday, May 13, 2021

4 Ways 529 Plans Can Benefit Estate PlanningYou may be familiar with the role 529 plans play in helping families set aside funds for future education expenses. Established in 1996 under Section 529 of the Internal Revenue Code, these...

Wednesday, May 12, 2021

Are Your Financial Gifts Costing You? Know the financial gift limits to avoid unnecessary taxes. You might have heard about financial gift limitations and wondered if that’s something that applies to the financial gifts you give...

Tuesday, May 11, 2021

Weekly Recap May 3-7, 2021 RecapBroad Markets AdvanceWeak Payrolls Bolster Easy Money ViewsThe broad market S&P 500 Index finished at its 26th all-time high this year amid bullish recovery optimism that was bolstered Friday by an...

Wednesday, May 5, 2021

Now and again, the price action on Wall Street can surprise even the most seasoned investors.Look no further than when President Biden in late April proposed an increase in the tax on capital gains to 39.6% from 20% for those...

Tuesday, May 4, 2021

Monthly Recap Market Indices At-A-Glance The market-cap-weighted S&P 500 climbed 11.84% YTD. In contrast, the S&P Equal Weight 500 Index advanced 16.76% YTD, its third-strongest four-month start to any year since 1990.The...

Wednesday, April 28, 2021

Are Trusts Part of Your Estate Plan? Create a more robust estate plan with trusts. As you've begun planning your estate, you’ve heard about trusts. You might associate trusts with people who are very wealthy and pass that wealth...

Tuesday, April 27, 2021

Weekly Recap April 19-23, 2021 RecapMomentum PausesStocks Decline First Week in FiveEquities rebounded in a big way on Friday, but gains fell short of overcoming larger losses earlier in the week as investors’ concerns over...

Tuesday, April 27, 2021

Investors looking for "green shoots" to confirm that the economy is on the mend have seen plenty of examples in recent weeks. Retail sales rose 9.8% in March, the largest monthly gain since May 2020. It's important to remember that...

Thursday, April 22, 2021

April 22 is Earth Day, a day to do the little (and big) things to reduce your carbon footprint and support a healthy planet.There are many ways in which we can become better stewards of the Earth. We can recycle hazardous materials;...

Thursday, April 22, 2021

4 Tips for Raising Financially Literate KidsWhen it comes to parenting, families have different styles, values, and traditions. However, most parents share a common goal. They want their children to grow up to be healthy, happy,...

Wednesday, April 21, 2021

President Joe Biden introduced the much-anticipated American Jobs Plan, which outlines an approach to spend roughly $2.2 trillion on the nation's infrastructure and other projects.As part of the legislative process, the Biden...

Monday, April 19, 2021

Weekly Recap April 12-16, 2021 RecapEquity Momentum ContinuesStocks Climb Fourth Straight WeekThe S&P 500 extended gains into a fourth straight week, backed by a strong start to the first quarter earnings season and...

Friday, April 16, 2021

It can be exhausting trying to keep up with the whims of Wall Street.Lately, the financial markets have been fixated on federal taxes and what may be proposed on Capitol Hill in the weeks and months ahead.Wall Street’s focus on...

Thursday, April 15, 2021

Keep Your Estate Plan In Order Is your estate plan still up to date? There's no time like the present to revisit your latest draft. Even if you're retired and have created a plan for your estate and assets, it’s still a good...

Wednesday, April 14, 2021

4 Estate Planning Documents You Can't Live (Your Best Life) WithoutOften, people view estate planning through a narrow lens, thinking it’s only about what happens to their property and assets after they’re gone. While the...

Monday, April 12, 2021

Weekly Recap April 5-9, 2021 RecapEquity Indices March HigherStocks Climb Third Straight WeekThe S&P 500 extended gains into a third week, its longest winning streak since February 5 and finished Friday at its 20th new...

Saturday, April 10, 2021

Previously, the Internal Revenue Service (IRS) announced that the federal income tax filing due date for individuals for the 2020 tax year had been automatically extended from April 15, 2021, to May 17, 2021.1More time for allHowever,...

Friday, April 9, 2021

Form 5498: Why It's Important And what you need to know about it. If you contributed to your IRA this past year, you should have received an IRS Form 5498. This form looks similar to a W-2, but it only contains information about your...

Thursday, April 8, 2021

Reduce Your Credit Card Debt Credit card debt doesn't have to keep you from fulfilling your financial goals. Not all debt is bad. Mortgage and auto loans are often necessary, but credit card debt can be sneaky – it usually...

Tuesday, April 6, 2021

In honor of Financial Literacy Month, we're focusing on the fundamentals. The latest commentary from Cetera Investment Management reviews the foundational skills that can help you build a strong financial future, regardless of your...

Monday, April 5, 2021

Monthly Recap Market Indices At-A-Glance The S&P 500 ended the quarter less than two points below its Mar 26 all-time high of 3974.54 – and just over 27 points away from a new 4,000 milestone.In March, the Dow Industrials...

Thursday, April 1, 2021

Among the many changes arising from the pandemic, one of the most noticeable was a change in American spending habits.A survey released in March 2021 by Pew Research shows that Americans have increasingly chosen to put away what extra...

Tuesday, March 30, 2021

The Cetera Advanced Planning Group has released an overview of the American Rescue Plan Act of 2021. This provides explanation and analysis on how this may affect your financial planning interests.This overview provides information...

Monday, March 29, 2021

Weekly Recap March 22-26, 2021 RecapEquities Indices Finish at All-Time HighsStocks ReboundU.S. stocks posted solid gains last week with the Dow Industrials and S&P 500 finishing at new record highs on renewed optimism over...

Thursday, March 25, 2021

Why Should You Invest in a 401k? There are so many other things to think about besides saving for retirement. You, like so many people, may want to avoid worrying about it until you have the rest of your financials in order...

Thursday, March 25, 2021

There’s an old Wall Street maxim that says, “markets climb a wall of worry.” And these days, there’s plenty to worry about with the trend in long-term interest rates.The 10-year Treasury yield in recent weeks...

Wednesday, March 24, 2021

Major League Baseball scheduled Opening Day for April 1, but two states have already scored with spring training underway.Every year, spring training divides the 30 MLB teams into two squads. Half of the teams travel to Florida as...

Monday, March 22, 2021

Cetera Investment Management has released its 2021 Second Quarter Outlook. In this outlook, they discuss local economies reopening and investors’ optimism. Potential consumers are getting another check from the...

Friday, March 19, 2021

Smart Saving Tips During Retirement You’ve likely spent much of your life working and saving to ensure a financially sound future. But even in retirement, you still need to be conscientious of your money and keeping up your good...

Friday, March 19, 2021

Hopefully you enjoyed your time IN THE ROOM with Dr. Ben S. Bernanke. If you’d like to watch the conversation again, or if you were unable to join us, the replay is available for you to view until April 18, 2021. To access the...

Thursday, March 18, 2021

Less than one month ahead of the traditional date, the I.R.S. has delayed the deadline for filing and paying taxes. The new deadline is May 17, 2021.1,2,3The delay follows continued disruption from the COVID-19 pandemic and a late...

Wednesday, March 17, 2021

Are Streaming Services Keeping You From Retiring? We all love our streaming services. It might have started with just one, but as more are created, and you add shows to your must-see list, you shell out more and more each month to...

Tuesday, March 16, 2021

Weekly Recap March 8-12, 2021 RecapDow, S&P 500 Finish at Record HighsRotation to Value ContinuesU.S. stocks broadly rallied last week with gains driving the Dow Industrials and S&P 500 to fresh all-time highs, while the...

Tuesday, March 16, 2021

How Will You Avoid These 5 Common Retirement Planning Pitfalls?Understanding the different steps you can take now to drive the retirement outcome you desire is an important part of planning for a confident future. However, it’s...

Monday, March 15, 2021

Just a friendly reminder to get your digital front row seat to hear from former Federal Reserve Chair Dr. Ben S. Bernanke about what’s really happening at the Fed and why it matters. His insights on how the economy can emerge...

Friday, March 12, 2021

I’m sure you’ve heard that the House recently passed the Senate another round of stimulus to try and counteract the economic effects of the COVID-19 pandemic. The new stimulus package could narrow income eligibility to...

Thursday, March 11, 2021

Don't Fall for These Common Budgeting Myths You’ve almost made it. You’ve worked, planned, invested, and saved for years to get to your retirement. And now that you’re almost there, it can be so tempting to forget...

Monday, March 8, 2021

Weekly Recap March 1-5, 2021 RecapBig Board Stocks ReboundTechnology Extends SelloffU.S. stocks rallied back on Friday from steep intra-week losses as bond yields climbed while a stronger-than-forecast January jobs report reignited...

Monday, March 8, 2021

This year we’re celebrating International Women’s Day on March 8. In 1920, women fought for the right to vote. In 1974, single and divorced women were finally able to secure a credit card without needing a male...

Thursday, March 4, 2021

You’re invited to an exclusive conversation with former Federal Reserve Chair Dr. Ben S. Bernanke, who helped guide the U.S. economy out of its worst recession of the century. His insights on how the economy can emerge and grow...

Tuesday, March 2, 2021

Monthly Recap Market Indices At-A-Glance The S&P 500 ended February 3.1% below its latest all-time high of 3,935 set on Feb 12.The Dow Industrials performed best in February at least among the three major U.S. indices, gaining...

Thursday, February 25, 2021

It can be easy to overlook the nation’s solid economic fundamentals when the financial media splashes stories every day about an army of amateur traders, short-selling mania, and initial public offerings (IPOs) that double in...

Wednesday, February 24, 2021

Retirement Tax Strategies that Work for You Taxes are a certainty of life, but that doesn’t mean you can’t find ways to reduce what you owe to the government, especially once you retire. Consider these strategies (both...

Wednesday, February 24, 2021

At this time last year, it was still unknown that a deadly global pandemic was on the rise, eventually stalling economic growth and sending crude oil prices into negative territory. But recently, oil prices have surged, with crude...

Tuesday, February 23, 2021

Weekly Recap February 15-19, 2021 RecapEquities Take a BreatherFirst Weekly Loss in Three WeeksU.S. stocks pulled back last week, snapping back-to-back weekly gains as Treasury yields advanced on investor jitters about increasing...

Tuesday, February 23, 2021

The 2020s haven’t got off to the roaring start we all had hoped for. We’re a year into the worst pandemic in a century, and it’s brought along with it the deepest economic contraction since the Great Depression....

Thursday, February 18, 2021

8 Things You Need to Know Before You File Your 2020 Tax ReturnBy any standard, 2020 was an unusual year, marked by rapid change and unexpected events. As a result, filing your tax return may be anything but straightforward. Below we...

Wednesday, February 17, 2021

Weekly Recap February 8-12, 2021 RecapEquities Plow HigherBack-to-Back Weekly GainsU.S. stocks advanced a second week as investors cheered progress for additional fiscal stimulus with House Democrats approving $1,400 direct payments...

Wednesday, February 17, 2021

Are You Using Your Lossesto Your Advantage? What is tax-loss harvesting?Tax-loss harvesting is a strategy that helps you reduce the taxes you owe on the capital gains from one investment with the capital losses from a different...

Friday, February 12, 2021

Time to Check on Your Portfolio You know that your investment portfolio is not a set and forget process. Each portfolio will change over time based on factors like risk diversification, your personal goals, and changes in the market...

Wednesday, February 10, 2021

Married? Should You File Jointly or Separately Some big changes come with getting married, and that includes your taxes. For the first time, you have the option to file jointly or separately. How romantic!While the IRS recommends that...

Thursday, February 4, 2021

The personal savings rate in the United States, which is the amount of income left after taxes and household spending, has reached some significant milestones.In April, when much of the country stayed home to avoid the COVID-19...

Wednesday, February 3, 2021

Recently, the Internal Revenue Service (IRS) announced that tax season will start a little later than usual. This year the IRS will begin accepting and processing 2020 tax returns on Friday, February 12, 2021.1In light of the December...

Tuesday, February 2, 2021

Monthly Recap Market Indices At-A-Glance The S&P 500 ended the month with the largest weekly loss since late October. All three major equity indices fell in excess of 3.2% during the last week in January.The Dow Industrials shed...

Tuesday, February 2, 2021

Weekly Recap January 25-29, 2021 RecapEquities Selloff Most Since OctoberS&P 500 Erases YTD GainsU.S. stocks fell sharply with the S&P 500 turning negative for the year (-1% YTD) after posting its worst week since October....

Monday, January 25, 2021

Weekly Recap January 18-22, 2021 RecapStocks Post Solid GainsInaugural Rally Best in 84 YearsMajor U.S. equity indices posted solid gains last week as investors were encouraged by incoming President Biden’s issuance of 10...

Friday, January 22, 2021

4 Steps for Strengthening Your Financial Safety Net in the New Year As many Americans learned in 2020, emergency savings can provide a much-needed lifeline during periods of crisis or uncertainty. Adequate cash reserves can be...

Thursday, January 21, 2021

8 Financial Terms You Need to Know As you start out in life, your finances can seem overwhelming. How can you start saving money? Taking out loans? Financing a house? Before you can set attainable goals for yourself, you have to have...

Wednesday, January 20, 2021

Weekly Recap January 11-15, 2021 RecapStocks Pare 2021 GainsInvestors Question Stimulus SpeedU.S. large cap stocks retreated last week as investors second-guessed their optimism over President-elect Joe Biden’s quickly proposed...

Wednesday, January 20, 2021

Now is the time to make final contributions to your IRA for 2020. Any contributions made before April 15, 2021, may mean an additional deduction or credit on your 2020 tax liability if you have not yet met the maximum contribution...

Tuesday, January 19, 2021

It's 2021: Time to Check Your Tax BracketWill your tax bracket change in 2021? Each year the tax rate schedules are adjusted for inflation. That could result in your income being subject to a higher or lower tax rate in the new year....

Monday, January 18, 2021

This month, America honors the legacy of Dr. Martin Luther King, Jr.As we look around today, we see manifestations of that legacy in the form of stronger, more diverse communities, in the continued fight for equality, and in the...

Saturday, January 16, 2021

The first week of 2021 has already had many ups and downs. Just because it’s a new year doesn’t mean that the 2020 issues go away, and so far, 2021 has been no exception to this rule.The markets opened on January 4 and...

Friday, January 15, 2021

As election season draws to a close, it's a great time to review what type of legislative support would be needed to pass certain policy proposals that may come forward from the Biden Administration.It's important to remember that...

Tuesday, January 12, 2021

7 Retirement Mistakesto Avoid in 2021 Planning ahead and keeping a close eye on your finances are two of the most important ways you can ensure you get to enjoy your retirement and get the most out of your golden years. As we begin...

Monday, January 11, 2021

Weekly Recap January 4-8, 2021 RecapStocks Climb to New Record HighsEquities Post Back-to-Back Weekly GainsU.S. stocks advanced for a second straight week with all three major equity indices finishing at record highs as Wall Street...

Friday, January 8, 2021

January is Financial Wellness Month, a time to remind people to make arrangements for their financial strategy.For me, it’s time for me to connect with new clients and discuss their financial situation and aspirations for their...

Wednesday, January 6, 2021

This time of year, you might glance at an account statement and see there has been an adjustment. But there may not be any cause for concern.Many mutual funds in December pay shareholders capital gains distributions that they have...

Wednesday, January 6, 2021

After a bit of political posturing in December, the $900 billion Consolidated Appropriations Act of 2021 (2021 CAA) was signed into law by President Trump as the COVID-19 pandemic continues to impact employers and employees...

Monday, January 4, 2021

Quarterly Recap Market Indices At-A-Glance In December, the Dow Industrials gained 3.4% and the Nasdaq Composite advanced 5.7%.On a quarterly basis, the Dow Industrials gained 2,824 points (+10.7%) and the Nasdaq Composite surged 15...

Monday, January 4, 2021

6 Questions to Ask When Planning for Retirement Financial security in retirement doesn’t happen by accident. Planning for a financially independent retirement involves more than just putting money away into a savings account and...

Monday, December 28, 2020

Weekly Recap December 21-24, 2020 RecapStocks Quiet in Thin VolumeEquities Little ChangedU.S. stocks rose on Thursday in a second day of small gains in the Christmas holiday-shortened trading week as Wall Street reviewed the latest...

Monday, December 28, 2020

If you’re even casually following the economic news, it can be hard to make sense of the forecast. One source may feel there’s nothing to worry about, while another might paint a picture of doom and gloom. You may end up...

Tuesday, December 22, 2020

For many of us, 2020 has been a year unlike any other. For some, it’s brought hardships that have tested the hardiest of souls. For others, it has brought unspeakable loss.Yet, we press on, and as we do, we may be surprised to...

Monday, December 21, 2020

Weekly Recap December 14-18, 2020 RecapStocks Climb on Stimulus ProspectsEquities ReboundU.S. stocks slightly trimmed a weekly gain on Friday, halting a solid three-day rally after Congress was unable to reach a stimulus bill...

Sunday, December 20, 2020

This time of year, you might glance at an account statement and see there has been an adjustment. But there may not be any cause for concern.Many mutual funds in December pay shareholders capital gains distributions that they have...

Thursday, December 17, 2020

Your investment strategy is a lot like a marriage. One day you may feel like everything’s going swimmingly. The next day, there might be an argument over who forgot to load the dishwasher. And even the best marriages and...

Wednesday, December 16, 2020

3 Tax-Smart Ways to Help Family Members in Need Pay for CollegeAs colleges and universities grapple with reopening during the COVID-19 pandemic, a growing number of college students and their parents find themselves struggling to pay...

Tuesday, December 15, 2020

5 Financial Lessons to Optimize Your Planning in the New YearAs 2020 draws to a close, its lessons will remain with us for some time. Below, we look at some of the most important financial lessons learned this year, and actions you...

Monday, December 14, 2020

Weekly Recap December 7-11, 2020 RecapStocks Weaken With Job MarketEquities Ease After Record HighsAfter major U.S. stocks advanced to record highs the first week of December, investors kept their optimism in check last week....

Friday, December 11, 2020

The start of the holiday shopping season can provide important clues about the economy's state and, more importantly, overall consumer confidence. So far, the results have been a “mixed bag” with empty malls and busy...

Thursday, December 10, 2020

2020 has been a tumultuous year, to say the least. But this year is the perfect representation of why we work together: we plan ahead, taking into account different scenarios and emergencies, to devise a solid strategy that helps you...

Wednesday, December 9, 2020

As Wall Street pushes higher, a pandemic-weary Main Street is relearning how to manage cash flow with the hope of keeping its retirement dreams alive.Self-employed Americans, and the people working for them, account for roughly 30...

Monday, December 7, 2020

The annual fall enrollment period for Medicare is coming to an end. Monday, December 7 is the deadline for enrolling or making changes in Medicare Plans.1Assuming you are already enrolled in Medicare, letting the date pass will keep...

Monday, December 7, 2020

Weekly Recap November 30 - December 4, 2020 RecapBullish Start to DecemberEquities Advance on Stimulus HopeU.S. stocks advanced to record highs last week amid growing expectations for another round of fiscal stimulus that could help...

Thursday, December 3, 2020

Monthly Recap Market Indices At-A-Glance The S&P 500 roared back nearly 11% in November, widely erasing its 6.4% prior two-month loss (-2.7% in October).The Dow Industrials surged 12.1% for its best monthly gain since Jan 1987....

Monday, November 30, 2020

Weekly Recap November 23-27, 2020 RecapStocks Rally Third Week in FourEquities Rebound, Extending Vaccine OptimismU.S. stocks advanced last week with the benchmark S&P 500 finishing at a new all-time high on Friday’s...

Monday, November 23, 2020

Weekly Recap November 16-20, 2020 RecapStocks Snap Two-Week RallyEquities Slip, Extending Cyclicals RotationU.S. stocks fell fractionally last week with the S&P 500 ending slightly negative after surging 9.74% the prior two weeks....

Friday, November 20, 2020

As an investor, it can be tempting to get caught up in daily news headlines. Consider how news about the election and COVID-19 vaccines have moved the markets over the past several weeks. But having a financial strategy can help you...

Wednesday, November 18, 2020

It’s been 399 years since the first Thanksgiving feast in Plymouth, Massachusetts, and the holiday has since become a beloved hallmark of autumn joy, a celebration of gratitude and reflection in the company of those dearest to...

Tuesday, November 17, 2020

With the Federal Reserve keeping interest rates at or near zero, you may wonder about your mortgage. Is it a good time to refinance or even pay off the debt entirely? After all, your mortgage is one of the biggest expenses you may...

Monday, November 16, 2020

Weekly Recap November 9-13, 2020 RecapStocks Surge on Vaccine NewsEquities Rotate into CyclicalsU.S. stocks rallied last week after breakthrough vaccine trial results eased global uncertainty. A drug maker’s COVID-19 vaccine...

Monday, November 16, 2020

6 Ways to Shore Up Your Financial Foundation During Times of UncertaintyThe COVID-19 pandemic has taken a toll on many U.S. households, exposing vulnerabilities in their financial foundations, from low savings rates, to rising debt....

Wednesday, November 11, 2020

Thank you to all who dedicated themselves to serve our country. May we always remember and be grateful!

Sunday, November 8, 2020

Recent Tax Law Changes Create Year-End Tax Planning OpportunitiesTax planning is an integral part of a comprehensive financial plan designed to help you meet multiple goals and priorities and keep more of what you earn from your...

Friday, November 6, 2020

After many weeks of telegraphing a long and careful ballot count, this week’s election lived up to that prediction in races for the Senate, the House, and the presidency. While Americans voted Tuesday, Wall Street cast its...

Friday, November 6, 2020

Election Day is behind us and the votes are still being counted. The newest commentary from Cetera Investment Management takes a thoughtful and objective look at the political landscape after one day of vote counting and what this...

Thursday, November 5, 2020

On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings. Although these adjustments won’t bring any major changes, there are some minor elements to note.401(k)sThe salary deferral...

Wednesday, November 4, 2020

With all the election chatter and stock market volatility, it may have been easy to miss the ongoing uptrend in long-term interest rates.The yield on the 10-year Treasury bond is sitting just below 1%. Just a few short months ago, the...

Tuesday, November 3, 2020

Monthly Recap Market Indices At-A-Glance The S&P 500 gave back 6.36% in the past two months, its worst period loss since the 19.57% plunge during February and MarchThe Dow Jones Industrial Average fell 4.52% in October, extending...

Monday, November 2, 2020

Weekly Recap October 26-30, 2020 RecapEquities Spooked by Record InfectionsPullback IntensifiesU.S. stock indexes closed lower on Friday, capping the benchmark S&P 500 with its worst weekly rout since the depths of the pandemic in...

Wednesday, October 28, 2020

U.S. equities posted their worst loss in over a month on the combination of rising virus cases, lack of progress on a stimulus plan, and growing election uncertainty. The latest commentary from Cetera Investment Management discusses...

Monday, October 26, 2020

Weekly Recap October 19-23, 2020 RecapEquities Snap Three-Week RallyStocks Little ChangedU.S. stocks ended the week fractionally lower, snapping a three-week rally as investors weighed mostly upbeat earnings and economic data while...

Monday, October 26, 2020

The latest commentary from Cetera Investment Management covers the path to electoral victory for both candidates, the chances of a delayed result, and examines historical stock market returns during post-WWII 4-year presidential...

Thursday, October 22, 2020

Medicare’s open enrollment period runs from October 15 to December 7. If you are enrolling in Medicare for the first time, give yourself plenty of time. You may discover that it is much more complex than an employer-sponsored...

Wednesday, October 21, 2020

On October 13, 2020, the Social Security Administration (SSA) officially announced that Social Security recipients will receive a 1.3 percent cost-of-living adjustment (COLA) for 2021. This adjustment will begin with benefits payable...

Tuesday, October 20, 2020

Weekly Recap October 12-16, 2020 RecapStocks Edge Higher as Elections NearFragile Rally SustainedThe U.S. benchmark S&P 500 Index posted a tepid gain in a string of three weekly advances, but it was enough to notch its longest...

Monday, October 19, 2020

It’s a startling statistic.45% of consumers with $100,000 or more investable assets expect to make changes to their investments due to the upcoming 2020 presidential election.1Second-guessing your investment strategy is natural,...

Friday, October 16, 2020

How COVID-19 is Impacting Confidence Levels Among Retirement SaversThroughout 2020, the COVID-19 pandemic has impacted the lives and health of people around the globe while wreaking havoc on commerce, the financial markets, and the...

Wednesday, October 14, 2020

Protecting the people nearest and dearest to us is something we all want to do. It’s why we purchase health and life insurance, save diligently for retirement, and ensure important legal documents (like a will or trust) are in...

Monday, October 12, 2020

Think Twice About Cancelling Credit Cards You No Longer UseIt may seem like a good idea to close credit card accounts you no longer use to avoid annual fees or if you’re not benefiting from reward programs during the pandemic....

Sunday, October 11, 2020

Applications for the Free Application for Federal Student Aid (FAFSA) are now open for the academic year 2021-22. Applying for the FAFSA allows you to qualify for grants, scholarships, and other federally-sourced aid, such as...

Friday, October 9, 2020

Chances are you or someone in your circle has faced a life-changing event as a result of the COVID-19 pandemic. Many are reaching out for financial guidance. Do you have any financial questions or concerns to address at this time? The...

Thursday, October 8, 2020

Hear about President Bush’s time in the White House, the challenges facing our nation in the twenty-first century, and his current work at the George W. Bush Presidential Center. DATE: Thursday, October 22, 2020TIME: 2:00 p...

Tuesday, October 6, 2020

Monthly Recap Market Indices At-A-Glance For September, the Dow Industrials lost 2.2% and the Nasdaq Composite gave back 5.1%, their first respective monthly losses since March.On a quarterly basis, the Dow Industrials gained 1,968...

Tuesday, October 6, 2020

Weekly Recap September 28 - October 2, 2020 RecapStocks Snap DeclinesEquities Recover First Week in FiveU.S. equity averages posted their first weekly gain in five weeks, snapping the longest losing streak since March as investors...

Tuesday, October 6, 2020

Courage comes in many forms, but few will rise to the occasion as Medal of Honor recipient Colonel Jack Jacobs did in Vietnam: despite being wounded, he acted with selfless valor to personally save the lives of 14 people. One of only...

Sunday, October 4, 2020

What are the markets telling us about the elections? What are the elections telling us about the markets? Hear from two experts in the industry on what might be in store for us in the months ahead.Joseph M. Terranova is a risk...

Friday, October 2, 2020

As president and CEO of Franklin Resources, Inc., (a.k.a. Franklin Templeton), Jennifer has managed an impressive track record of growth, creating prosperity in times of uncertainty. One of ten executives named to Money Management...

Wednesday, September 30, 2020

Is it time to eat yet? It sure is! Clear the counters and grab your loved ones as Chef Ariel Malone and her daughter show you how to cook up a family-friendly recipe direct from their home kitchen.DATE: Tuesday, October 13, 2020TIME:...

Tuesday, September 29, 2020

Weekly Recap September 21-25, 2020 RecapStocks Slouch Fourth WeekRecovery Theme Falters…AgainU.S. stocks reversed losses Friday amid unconfirmed reports that lawmakers were reviving plans for a second fiscal stimulus deal, but...

Monday, September 28, 2020

Cetera Investment Management has released its Fourth Quarter 2020 Outlook. In this outlook, they discuss the sharp recovery in the economy, equities and bonds. However, the economy has a long way to go to get to pandemic levels...

Sunday, September 27, 2020

Join us for a conversation with former U.S. senator and ambassador Carol Moseley Braun. She’ll discuss the personal journey she took to community leadership and service, offer insights she gained along the way, and share reasons...

Friday, September 25, 2020

As the U.S. presidential election draws near, expect to see more and more headlines that propose, "What will happen next if this person is elected?" or, "What policy changes to prepare for in the next four years?"In reality, however,...

Thursday, September 24, 2020

Please join me! Each year I have the opportunity to attend my broker-dealer's annual conference, which is designed to expand my knowledge and enhance my ability to help you pursue your goals for the future. Because this...

Wednesday, September 23, 2020

Due to COVID-19, Americans are spending more time at home than ever before, leading to a record amount of spending on home improvement.1It’s not that big of a surprise since many Americans now find their homes are doing triple...

Monday, September 21, 2020

Weekly Recap September 14-18, 2020 RecapStocks Reach Six-Week LowSelling Continues Third Straight WeekU.S. stocks extended losses into a third day last week as bargain buying appetites on Monday and Tuesday gave way to pessimism after...

Friday, September 18, 2020

4 Things to Add to Your Family Emergency Kit in 2020Since its inception in 2003, National Emergency Preparedness month has been observed in September to promote family and community disaster planning. This year, in the weeks...

Tuesday, September 15, 2020

Most recently, you may have read that Federal Reserve Chair Jerome Powell announced a change in how the Fed views inflation. In the past, the Fed said it would consider adjusting short-term rates when inflation approached 2 percent....

Monday, September 14, 2020

Weekly Recap September 7-11, 2020 RecapBig-Tech Selloff ContinuesWorst Two Weeks since MarchU.S. stocks ended a volatile week deeply in the red with all three major domestic equity indices capping their steepest back-to-back weekly...

Friday, September 11, 2020

3 Tax-Smart Ways to Help Family Members in Need Pay for CollegeAs colleges and universities grapple with reopening during the COVID-19 pandemic, a growing number of college students and their parents find themselves struggling to pay...

Wednesday, September 9, 2020

U.S. equities have been weak over the past three trading sessions. The latest commentary from Cetera Investment Management discusses this topic in more detail. They are not surprised as investors needed to reassess their optimism...

Tuesday, September 8, 2020

Weekly Recap August 31-September 4, 2020 RecapBig-Tech SelloffTaking Some Froth off the TableU.S. stocks snapped a five-week winning streak last Friday as skittish investors exited high-valuation mega cap tech stocks, despite a drop...

Tuesday, September 8, 2020

A sharp drop in technology stocks led to a broad market selloff, sending the S&P 500 down over 3.5%. There were no specific catalysts for the sharp drop, but two reasons likely drove it - an overbought stock market and growing...

Monday, September 7, 2020

Hope you have a fun and relaxing Labor Day!

Monday, September 7, 2020

For many, Labor Day is seen as the end of summer, but it’s an annual national tribute to the contributions that workers have made to the strength, success, and security of our country. Here are some interesting facts about this...

Thursday, September 3, 2020

The Dow Jones Industrial Average (DJIA), one of the most widely followed stock market indices, has made some key changes to its starting lineup.Salesforce.com, Amgen Inc.and Honeywell International Inc. have replaced Exxon Mobil Corp....

Wednesday, September 2, 2020

Monthly Recap Market Indices At-A-Glance The S&P 500 had its best month since a 12.8% gain in April, down only five trading days in August.The Dow Jones Industrial Average jumped 7.9% in August, finally turning positive on a...

Wednesday, September 2, 2020

Life insurance is often overlooked until a significant life event or change happens. Regardless, it can be managed with the proper conversations ahead of time.September is identified as Life Insurance Awareness Month (LIAM) to help...

Tuesday, September 1, 2020

To some, this may hardly feel like an economy headed for a bright future. But don’t tell that to home builders.Builder confidence in August jumped to an eye-popping 78 in August, according to the Housing Market Index courtesy of...

Monday, August 31, 2020

Weekly Recap August 24-28, 2020 RecapEquities Cap Fifth Weekly GainDow Industrials Finally Turns Positive YTDAll three major U.S. equity indices posted strong weekly gains, led by continued momentum in consumer and technology-oriented...

Friday, August 28, 2020

Some people in recent weeks may have been feeling that “the stock market seems to be doing so well but I’m not participating.”A look behind the headlines helps tell the story.A CNBC study found that between the stock...

Wednesday, August 26, 2020

Right now, many Americans are worried about their financial health due to the impact COVID-19 has had on the country. Adding to these concerns were July's consumer prices— excluding food and energy—which rose at the...

Monday, August 24, 2020

Weekly Recap August 17-21, 2020 RecapRecord-Setting WeekLow-Volatility Winning Streak ExtendedThe S&P 500 completed its fourth straight weekly advance, it’s longest winning streak of the year. Favorable economic data in...

Thursday, August 20, 2020

This month, many universities and colleges are welcoming students back to campus, even if most campuses are largely online this year.But that's not all that's different. The current administration has issued an executive memorandum...

Tuesday, August 18, 2020

5 Ways You Can Protect Against the Growing Number of Tax Scams in 2020Just when you thought you had enough to be concerned with, the Internal Revenue Service (IRS) revealed it’s annual "Dirty Dozen" list of tax scams in July,...

Monday, August 17, 2020

Weekly Recap August 10-14, 2020 RecapEquities Climb Despite Fading Stimulus HopesStocks Rise Third WeekAll three major U.S. equity averages posted their third consecutive weekly gain, but despite two nearly successful daily attempts,...

Friday, August 14, 2020

"Will I outlive my retirement money?" That's one of the top fears for people who are starting to prepare for their retirement years.So I have to chuckle a bit when I see headlines that say, "Here's how much money Americans think they...

Thursday, August 13, 2020

Did You Take RMDs in 2020? You Have Until August 31 to Reverse ThemThe Coronavirus Aid, Relief, and Economic Security (CARES) Act, which was signed into law in March of this year, waived required minimum distributions (RMDs) for 2020....

Tuesday, August 11, 2020

Are you one of the many retirement account holders who took a mandatory distribution this year? If so, you may be able to manage the taxes associated with Required Minimum Distributions (RMDs) from traditional IRAs and 401(k)s. There...

Monday, August 10, 2020

Weekly Recap August 3-7, 2020 RecapLabor Market and Stimulus Hopes Drive Stocks HigherStocks Rise Another WeekMajor U.S. indices were up last week on encouraging news around labor markets and hopes for more fiscal stimulus. The U...

Wednesday, August 5, 2020

One of my favorite Wall Street quotes is from Mark Twain, who said:“October: This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June,...

Tuesday, August 4, 2020

Monthly Recap Market Indices At-A-Glance The Dow Jones Industrial Average rose 2.51% last month, trimming its year-to-date (YTD) loss to 6.14%.Among the three major U.S. equity indices, the technology-dominated Nasdaq Composite (+6...

Monday, August 3, 2020

Weekly Recap July 27-31, 2020 RecapEquities Rebound, Technology RipsStocks Post Solid GainsU.S. benchmark S&P 500 equities rebounded last week, resuming a bullish trend after falling 0.27% the week prior. Stocks ended Friday with...

Thursday, July 30, 2020

To some, the buying and selling of a company’s stock by corporate officers and directors can be an indicator of Wall Street sentiment.In July 2020, the ratio of companies with executive buying compared with executive selling...

Wednesday, July 29, 2020

Lately, it can feel like each day brings a new headline about fluctuating market behavior. But amid the ups and downs of 2020, there may be some potential good news on the horizon. On July 16, 2020, the interest rate for a 30-year...

Tuesday, July 28, 2020

Weekly Recap July 20-24, 2020 RecapTechnology Weakens Second WeekS&P 500 Snaps Three-Week RallyU.S. equities ended lower last week with the S&P 500 posting its first weekly loss in four weeks as investors turned cautious amid...

Thursday, July 23, 2020

Recently, you may have heard that financial industry regulators established a new set of rules designed to guide investors who work with an investment professional. This new set of rules is called “Regulation Best...

Tuesday, July 21, 2020

We hope you are enjoying the summer and staying healthy in these trying times. Now that we are officially in a recession, we are looking for clues on how long we will stay in it and what the recovery will look like. The good news is...

Monday, July 20, 2020

It’s time to break from the mold.If you’ve been experiencing any of the following…A desire to establish a legacy on your termsA need for a trusted partner to accelerate your growth and support your effortsA search...

Sunday, July 19, 2020

Christmas in July? Let the Festivities Begin!Few of us have seen a year like 2020—a recession, record-setting unemployment and a pandemic that doesn’t seem to be slowing down. In some parts of the country, reopening...

Friday, July 17, 2020

A Mid-Year Review During a Mixed-Up TimeWe are now just over halfway through 2020, and these last six months have felt like six years. With the amount of change that’s occurred, your financial strategy may need some adjustments....

Thursday, July 16, 2020

I first want to extend my continued wishes that you, your family and loved ones are healthy and safe, and remain that way throughout the unprecedented circumstances we are facing.Navigating the uncertainty on the road ahead can feel...

Wednesday, July 15, 2020

Identity theft is a systemic and ever-changing risk that continues to unleash significant new threats to personal security. No one is immune to these evolving tactics to acquire sensitive information, which can leave individuals...

Tuesday, July 14, 2020

In the era of COVID-19, and the financial woes it has created, I often get asked, “Why is the stock market holding up so well when the economy appears to be struggling?”To understand why the markets react — or...

Thursday, July 9, 2020

In the coming weeks my broker-dealer will be sending you a letter containing a new disclosure document called a Customer Relationship Summary (Form CRS), as well a Supplemental Disclosure document.These documents are for your...

Wednesday, July 8, 2020

With the economy and financial markets flashing mixed signals, it’s no wonder that lawmakers are deadlocked on whether to pass a Phase 4 of the CARES Act.More than $3 trillion in stimulus has been pushed into the economy since...