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Tuesday, December 12, 2023

A late-week, two-day rally left stocks higher, adding to November’s gains as the last month of trading for 2023 began. The Dow Jones Industrial Average was flat (+0.01%), while the Standard & Poor’s 500 gained 0.21%. The...

Wednesday, November 15, 2023

I've seen the "Boomerang Generation" in more than a few headlines lately. These young adults return, or "boomerang," to their parents' homes as they attempt to navigate the property market. The key culprit is mortgage rates nearing...

Sunday, November 12, 2023

As of age 62 you may be eligible to claim Social Security benefits. When to begin taking Social Security benefits requires careful consideration and planning, and it is prudent to begin that process early. Below is a quick overview of...

Tuesday, October 3, 2023

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

Thursday, September 14, 2023

You may have heard the saying, “inflation hurts savers and benefits borrowers.”  The expression suggests that borrowers benefit from inflation because they pay back lenders with dollars worth less than when the money...

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Tuesday, August 8, 2023

As the Fed continues its fight against inflation, one of the more challenging parts of the economy is gauging what's happening in the jobs market.

Thursday, July 13, 2023

In advance of 2023, the recession drum beats were so loud it was deafening. Market pundits warned that as the Fed raised interest rates, it was just a matter of time before the economy entered a recession.

Monday, June 12, 2023

If you've heard CEOs mention "A.I." multiple times during second-quarter conference calls, you're not imagining it. There have been an astounding 1,072 mentions of A.I. (and counting) so far.

Friday, May 19, 2023

Ever considered writing your own will? While you can draft a will on your own, there are plenty of reasons why you may not want to go that route.

Monday, March 13, 2023

There’s an old Wall Street saying, “You never know who’s swimming without a bathing suit until the tide goes out.” And so, apparently the naughty swimmers so far are Silicon Valley Bank and Signature Bank. Both...

Thursday, February 23, 2023

Helpful Retirement Strategies for WomenPreparing for retirement can look a little different for women than it does for men. Although stereotypes are changing, women are still more likely to serve as caretakers than men are, meaning...

Monday, September 19, 2022

You may have heard the expression, “You can talk yourself into just about anything.” If that’s true, corporate America better watch out.As publicly traded companies report quarterly sales and earnings, they often...

Monday, August 29, 2022

Schools across the nation are getting back to business. For students, it’s a return to education after vacations, summer jobs, and other activities.For parents, grandparents, and guardians, “back to school” often...

Friday, August 5, 2022

In the financial world, some weeks are more important than others, and we just lived through a big one. Let's unpack each of the four key stats:The Fed. As expected, the Fed bumped up short-term rates again at its July meeting. But the...

Thursday, July 7, 2022

At the risk of slowing economic growth, the Fed has driven short-term rates higher to rein in inflation. But it’s a tricky proposition.Raise rates too much, and you may trigger a recession. Don’t raise rates enough, and you...

Friday, July 1, 2022

Some gloomy headlines are coming out of Wall Street lately. Have you noticed?In recent days, I’ve read things like “Brace yourself for economic hurricanes” and “Wall Street investor survey paints a dire outlook...

Wednesday, June 29, 2022

Summer’s here, and the time is right for vacations, outdoor activities, and fun. It’s also a good time to consider a few financial matters. Here are some questions to ask yourself mid-year.Goals still the same for 2022? Has...

Wednesday, May 11, 2022

As you might have heard, people are talking about a big bump in Social Security benefits next year.The Senior Citizens League says payments could rise by as much as 8.6 percent in 2023, compared to an increase of 5.9 percent in 2022....

Friday, April 1, 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...

Wednesday, March 16, 2022

When markets cycle lower like they have been lately, perspective is critical. If you’re not connected to someone with experience, it can be easy to miss the big picture.If you zoom out a bit in history, most investors haven't...

Wednesday, February 9, 2022

Social Security plays an important role in your retirement strategy. But, don’t forget,  the amount you’ll receive depends on the age at which you file. You can start claiming benefits as early as 62, but for each...

Wednesday, January 12, 2022

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, January 5, 2022

Preparing for retirement just got a little more financial wiggle room. This week, the Internal Revenue Service (IRS) announced new contribution limits for 2022.Staying put for 2022 are traditional Individual Retirement Accounts (IRAs),...

Tuesday, December 14, 2021

Financial planning is an ongoing process that creates a roadmap for your money and helps you attain your life's goals. Whether you want to build a home or travel to different countries, having a financial plan ensures you get to do all...

Wednesday, December 1, 2021

One of the most common misconceptions about estate planning is that it is only for wealthy individuals. The truth is that if you have assets of any kind, you have an estate and need to plan for what will happen to it once you've passed...

Wednesday, November 17, 2021

401(k) plans and individual retirement accounts (IRAs) are both tax-advantaged retirements. However, they have important differences. 401(k)s are employer-sponsored and have limited investment options, whereas you open an IRA account...

Tuesday, September 21, 2021

We often dream about retirement, the day when we can finally hang up our aprons, put the tools on the shelf, and turn off the lights on our way out. All we have to do now is press the retirement income button and we are all set....

Monday, September 20, 2021

Three questions to ask in order to find out….Through years of endless marketing campaigns and beguiling sales practices the financial services industry has managed to convince the public and themselves for that matter, that...

Sunday, September 19, 2021

Who says money doesn't grow on trees? That's one of the biggest lies ever told. Money does in fact, grow on trees. The key is in knowing how to plant and grow one. Would you like to have your own money tree? There are three essential...

Friday, September 17, 2021

A 25 year retirement with a pre-tax annual income of $100,000 and an annual inflation rate of 2.5% will cost a total of $3,415,776. If you can achieve an annual return of 4.0% on your invested capital during retirement, you will need...

Thursday, September 16, 2021

Most Americans envision spending their golden years traveling, playing golf, fishing, enjoying their grandchildren, or volunteering. Some will use retirement to start that dream business while others will finally get the chance to...

Tuesday, July 17, 2018

Write down your financial goals. Writing down your financial goals gives you a 70% greater chance of achieving them. Your goals must be specific and complete with a “deadline and dollar sign”. What do you want? When do you...

Tuesday, June 5, 2018

As a Personal Financial Counselor for more than 30 years, I closely observe the lifestyles of individuals and families of all income levels. I witness people with relatively small levels of income build relatively large levels of...

Friday, April 13, 2018

“They say I should save more for retirement." "They say I should save more for my children's college education." "They say I should pay-off my credit card debt." "So how am I supposed to do all those things? I am making more...

Monday, April 2, 2018

For most people, success in retirement requires balance. You are trying to live comfortably and enjoy life, while at the same time, conserving your precious, financial resources. Keep in mind that your financial resources must last for...

Monday, April 2, 2018

We are currently enjoying a bull market. This bull market started on March 9, 2009. It has been in full swing now for more than 8 years. I will never forget the day this bull market began, the sick feeling in my gut on the way home...

Monday, April 2, 2018

Imagine being able to speak freely about the things you would like to accomplish financially in your life without having your thoughts used against you as a sales tool. Imagine a world where you could get unbiased financial advice and...

Monday, April 2, 2018

The Federal Reserve's announced a quarter of a point rate hike last week. Finally! This has to be the most telegraphed rate hike in history. Now that rates have gone up a little, what's next? New projections show that central bankers...

Monday, April 2, 2018

Are you planning the retirement of your dreams or are you just dreaming about retirement? If you are just dreaming, you had better get started planning. As the saying goes, "you get the retirement you can afford not necessarily the one...

Monday, April 2, 2018

Want to Accomplish Something Important? Three ways a financial plan can help you reach your goals….. Some things in life are just too important to leave to chance such as: accumulating the funds necessary to finance a...

Monday, April 2, 2018

During my 25 year career in the financial services industry, I have had the pleasure of working with more people than I can accurately count. I have seen people make some incredibly smart choices with their money. I have also seen some...