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Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

 

Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

 

Tuesday, November 20, 2018

Thanksgiving is a true American holiday. It celebrates generosity and gratitude, and it recognizes the relationships that helped colonists who arrived on the Mayflower in 1620 survive beyond their first winter. History.com explained:1...

 

Thursday, November 8, 2018

There are more than 20 million veterans living across the United States. These men and women fought in World War II, the Korean War, the Vietnam War, the Gulf War, the Iraq War, the War in Afghanistan, which continues today, and many...

 

Tuesday, November 6, 2018

Pre-tax retirement accounts like IRAs and 401(k) plans provide an opportunity to receive an upfront tax deduction, and tax-deferred growth while the assets remain in the retirement account. For those saving towards retirement, this...

 

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Tuesday, November 6, 2018

In our increasingly digital world, everything has moved online. While reducing paper waste is good for our environment and gives us more usable desk space, it can pose some security risks. You want to use a service that’s safe...

 

Tuesday, October 30, 2018

It’s a pricey question.It’s a pricey question.College Board estimated the average cost for full-time, in-state students who live on campus at four-year public colleges or universities during the 2017-18 school year is $25,290...

 

Monday, October 29, 2018

If trick-or-treating in your neighborhood requires a trick to get a treat, your little ghosts and goblins will need some short and easy-to-remember options. Here are a few that were recommended by Reader’s Digest:1• What has hundreds...

 

Wednesday, October 10, 2018

Remember the television classic, Green Acres? Eddie Albert, who portrayed a New York City lawyer, and Eva Gabor, who portrayed his sophisticated spouse, move from the big city to the country – and it’s not quite what they expected...

 

Monday, October 1, 2018

Here’s a number that will knock your socks off: $400 trillion.1By 2050, the retirement savings shortfall in eight of the world’s largest economies is expected to reach $400 trillion, according to estimates from the World Economic Forum...

 

Monday, September 10, 2018

Remember: Volatility is normal. Major U.S. stock market indices climbed into record territory during August.1 They gave back some gains last week. Peter Wells of Financial Times explained:2 “Speculation about a fresh round of...

 

Thursday, September 6, 2018

Congratulations! The due diligence is done and you and the buyer are satisfied with the deal. You’re getting ready to schedule a closing date where you and the buyer, along with your advisors and other professionals, will dot...

 

Thursday, August 30, 2018

Labor Day is set aside to celebrate the social and economic achievements of American workers. It was proposed as a holiday by Matthew Maguire in 1882 while he served as secretary of the Central Labor Union in New York, NY. The labor...

 

Wednesday, August 29, 2018

Tick, Tock. Not everybody loves meetings and even fewer enjoy reading the minutes, but investors make an exception with the Federal Reserve. This week the Fed published the minutes from its August 1 meeting. While no changes were made...

 

Wednesday, August 29, 2018

How long will you live? How long will you live? It’s not a question anyone can answer with any certainty, and that creates a significant risk when planning for retirement. Your retirement may last for a long time, and you will need to...

 

Tuesday, August 28, 2018

How long will you live? It’s not a question anyone can answer with any certainty, and that creates a significant risk when planning for retirement. Your retirement may last for a long time, and you will need to have enough income...

 

Wednesday, August 8, 2018

August 6, 2018 Capital gains tax reform comes with a big price tag: $100 billion over 10 years.1 A capital gain is any increase in the value of an asset, such as an investment, a home, land, etc., between its purchase and its sale. The...

 

Thursday, August 2, 2018

In recent years, investors have largely ignored geopolitical risks. Russia’s invasion of the Crimean Peninsula, the Brits’ vote to leave the European Union (EU), unrest in the Middle East, and other global events have not affected...

 

Monday, July 23, 2018

Last week, there was some good news and some notable news. Here’s the good news: Corporate earnings have been strong. As of July 20, 17 percent of the companies in the Standard & Poor’s 500 Index had reported second...

 

Thursday, July 5, 2018

In the olden days, the word ‘subscription’ typically was applied to just magazines and newspapers. Today, that’s not the case. Americans are buying everything from meal kits to baby products to vitamins by subscription. A McKinsey &...

 

Monday, July 2, 2018

On July 4, 1776, the American colonies banded together and declared independence from Great Britain. The countries had been at war for more than a year due to a number of issues, particularly in regards to harsh taxation and a lack of...

 

Thursday, June 28, 2018

To the relief of many South Africans, Day Zero has been pushed back to 2019. Day Zero is the date on which Cape Town will run out of water, and its four million residents will begin to collect daily water rations of about seven gallons...

 

Monday, June 25, 2018

What time is it? The yield curve may be the pocket watch of economic indicators. It’s been around for a long time and it’s often right, but not always. The yield curve is the difference between the interest paid on two-year...

 

Monday, June 18, 2018

Deal or no deal? Last week opened with heightened trade tensions between the United States and its allies. It closed with the United States imposing new tariffs on $50 billion of Chinese goods. The Chinese declared it was the start of...

 

Thursday, June 14, 2018

There are many perceived requirements of being a dad. “One of the jobs of a good dad is to help kids become a little tougher, a little more resilient, a little more separate…dads push kids to leave the nest; they brush off the dirt...

 

Wednesday, June 13, 2018

June 11, 2018 G whiz! Never before could the Group of 7 (G7) Summit have been mistaken for reality TV. The generally dignified annual meeting of leaders from the United States, Canada, France, Germany, Italy, Japan, and the United...

 

Wednesday, June 6, 2018

The words ‘bear market’ have been bandied about a lot lately. When you read or hear them, remember to respond the same way you would if you saw an actual bear in the woods – by staying calm and keeping your wits about you. A changing...

 

Monday, June 4, 2018

June 4, 2018 The Markets If the countries were instruments, last week sounded like a fifth grade garage band. World markets were buffeted by a clamor of good, bad, and unexpected news last week. Events that captured media and investor...

 

Wednesday, May 30, 2018

May 29, 2018 Geopolitical uncertainty didn’t dent U.S. stocks last week. Geopolitics is the intersection of geography, economics, and politics. Last week, there were some fine examples of the ways geopolitical events can create...

 

Thursday, May 24, 2018

If you’ve ever composed a grocery list in your head while driving carpool and listening to your children discuss who got in trouble at school and why, then you know what it’s like to have your attention divided. If you’ve ever worked...

 

Thursday, May 24, 2018

May 21, 2018The MarketsToo much? Too little? Or just right? U.S. stock markets were relatively calm, although they finished the week lower. U.S. Treasury yields hit a 7-year high and finished the week above 3 percent.1 While these were...

 

Thursday, May 10, 2018

Mother’s Day is almost here! We all have moms and, whether they gave birth to us or not, they have helped us become the people we are today. Here are 10 reasons moms are so important, adapted from Psychology Today:11. She gave birth to...

 

Friday, May 4, 2018

A meeting of the minds. The Federal Reserve and the U.S. bond market appear to be in agreement about the direction of interest rates. For more years than anyone cares to count, investment professionals have been predicting the end of...

 

Saturday, April 28, 2018

Understanding family attitudes towards money may improve financial decisions and reduce financial stress. Understanding family attitudes towards money may improve financial decisions and reduce financial stress. People inherit more...

 

Wednesday, April 18, 2018

April 16, 2018What do you think?• Are you bullish, bearish, or neutral about the U.S. stock market? • Are U.S. stocks undervalued, overvalued, or fairly valued?• What is the biggest threat the U.S. stock market faces...

 

Thursday, April 5, 2018

Technology is a life changer. GPS has improved interpersonal relations by eliminating arguments about asking for directions. Apps for car services, food delivery, video streaming, news media, and social media have changed the way we...

 

Wednesday, March 28, 2018

“There’s no place like home.”1Conjuring an image of ‘home’ was a lot easier for Dorothy than it is for people who are on the cusp of retirement. After all, isn’t retirement supposed to be a new start? Aren’t retirees supposed to wave...

 

Wednesday, March 28, 2018

March 26, 2018The MarketsWhy am I saving and investing?After a week like last week, it’s an important question. There are many reasons people save and invest, including to:• Live the life they want today and in the...

 

Wednesday, March 14, 2018

It’s almost time to don green and gold. That’s right, March 17 is upon us. There’s more to the holiday, however, than eating corned beef and cabbage and celebrating the Irish. For instance, St. Patrick is the patron saint of Ireland,...

 

Tuesday, February 27, 2018

Here’s a number most people would like to see on an annual statement: 21.6 percent. That was the annual return for the Standard & Poor (S&P) 500 Index during 2017. In general, U.S. stock indices did quite well last year – and the year...

 

Monday, February 12, 2018

If you’re looking for a gift that will express your love better than chocolates or a bouquet of flowers, don’t fret. Trendhunter.com has some innovative and unconventional suggestions:• Literary love tattoos. Perhaps, you’d like Rainer...

 

Tuesday, February 6, 2018

Views expressed are not necessarily those of Raymond James and are subject to change without notice. Information provided is general in nature, and is not a complete statement of all information necessary for making an investment...

 

Tuesday, January 30, 2018

Jim: The life of a baby is a busy one! In the past few months, Parker celebrated his first birthday, got his first hair cut, learned to walk and visited two countries! But most importantly, Santa brought him his very first ride - a...

 

Tuesday, January 30, 2018

Here’s a riddle for you: Some people are reluctant to start me, unless I’m automatic. I’m frequently exhausted when I don’t roll over. I’m sometimes left behind. Retirees devour me. What am I? Answer: A retirement savings plan.New jobs...

 

Monday, January 29, 2018

January 29, 2018 The Markets The numbers are coming in. Publicly-traded companies report their earnings and sales numbers for the previous quarter in the current quarter. For example, fourth quarter’s sales and earnings are...

 

Thursday, January 11, 2018

Most Americans know Martin Luther King, Jr. was a Baptist minister and the leader of the Civil Rights Movement in the United States until he was assassinated in 1968. Test your knowledge with this quiz about Dr. King.1. Before...

 

Wednesday, January 3, 2018

Fifteen years ago, a Health Services Research report described the challenges ahead for the United States as the Baby Boom generation aged into retirement. Four issues were paramount: 1) improving payment and insurance systems for...

 

Thursday, December 28, 2017

The last bear market in bonds began in the middle of the last century and lasted for about 31 years. Some investors who bought bonds in 1950 locked in relatively low rates of return for a very long time. On January 1, 1950, 10-year U.S...

 

Thursday, December 28, 2017

New years bring new adventures, and 2018 is no different. To paraphrase Ed Sullivan: 2018 could be a really big year. Here are a few of the events we can look forward to:• Men’s World Cup in Russia. CBS’s power rankings put Brazil at...

 

Wednesday, December 27, 2017

December 26, 2017The MarketsIt’s time to turn your mind to taxes.Last week, President Trump signed tax reform, officially titled ‘An Act to provide for reconciliation pursuant to titles II and V of the concurrent resolution...

 

Wednesday, December 20, 2017

“The holidays are often seen as a time of joy: ruddy cheeks, festive parties, and twinkling laughter, all wrapped in a warm, tinsel-framed glow. It’s the most wonderful time of the year! It may be the ‘season to be jolly,’ but not...

 

Monday, December 18, 2017

December 18, 2017 The Markets Here we come a tax-reforming… The reconciliation of Congressional tax reform bills proceeded apace last week, and Congress is expected to vote on the measure early this week.1 If tax reform passes,...

 

Thursday, December 14, 2017

December 11, 2017The Markets “It's the hap- happiest season of all.”1While holidays don’t make everyone happy, investors should be feeling festive. The Standard & Poor’s 500 Index is up more than 18 percent...

 

Thursday, December 7, 2017

You have worked hard and accumulated some assets and perhaps you have been thinking about your estate planning. It is only natural that you would want to have a say in what happens to your assets once you die. One question that might...

 

Thursday, November 30, 2017

November 27, 2017 The Markets There was a lot to be thankful for last week. Stock markets around the world may have ripened to full-slip sweetness this year. Emerging markets have delivered the most attractive returns year-to-date. The...

 

Wednesday, November 29, 2017

There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for retirement. There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for...

 

Sunday, November 19, 2017

Thanksgiving is the mother of all family dinners. It’s a celebration of our great nation and the many blessings that occur when people unite together in the spirit of communication. As you’re gathered around the table this year, here’s...

 

Wednesday, November 15, 2017

November 13, 2017The MarketsSelling it overseas.Most of the companies in the Standard & Poor’s 500 (S&P 500) Index have reported third quarter earnings per share (EPS), which is the profit earned per share of stock outstanding...

 

Thursday, November 9, 2017

November 6, 2017 The Markets “Taxes are what we pay for a civilized society.”1U.S. Supreme Court Justice Oliver Wendell Holmes’s statement is engraved on the front of the Internal Revenue Service building in...

 

Wednesday, November 8, 2017

All too often, we assume the men and women who fought for our country can take care of themselves. Unfortunately, that isn’t always the case. There are some important ways ordinary Americans can help those who are returning from battle...

 

Monday, October 30, 2017

Retirement and Social Security are inextricably linked. Not only did Social Security help establish the official U.S. retirement age at 65, it also provides a significant portion of today’s retirees’ incomes. Retirement and Social...

 

Monday, October 30, 2017

October 30, 2017The MarketsThe last full week of October was a box full of surprises. First, U.S. economic growth exceeded expectations. The devastation wrought by Hurricanes Harvey, Irma, and Maria was widely expected to stifle U.S....

 

Friday, October 27, 2017

Halloween is almost upon us! Whether you’re wearing a costume, decorating your yard/house, or handing out treats, you won’t be alone. More than 179 million Americans are expected to participate in 2017’s Halloween festivities – and...

 

Wednesday, October 25, 2017

October 23, 2017 The MarketsAnd the hits just keep on coming. Last week was the anniversary of Black Monday. On October 19, 1987, the Dow Jones Industrial Average (Dow) lost 508 points, or more than 20 percent of its value, as it fell...

 

Wednesday, October 18, 2017

October 16, 2017 The Markets There’s a new kid in town: narrative economics. Last week, Richard Thaler was awarded the Nobel Prize in economics. His work in behavioral economics and finance recognizes not all economic and...

 

Wednesday, October 4, 2017

Smartphones are incredibly handy. That may be why about three of every four Americans own them.1 On average, smartphone users spend almost three hours a day – 86 hours every month – using their phones. They send texts and email,...

 

Tuesday, October 3, 2017

Fall is off to a good start! We've been having lots of fun these past few months. Here are a few updates from the team... Jim: On September 16th Parker turned ten months old and to celebrate we are heading to Playa Mujeres, Mexico as a...

 

Monday, October 2, 2017

October 2, 2017 The Markets A lot happened during the third quarter of 2017, but not much changed. The bull market in U.S. stocks continued to charge ahead. Traditional measures of valuation continued to suggest the market is...

 

Thursday, September 28, 2017

How times change! In 1940, half of Americans finished their education in eighth grade. College degrees were relatively rare. Just 6 percent of men and 4 percent of women had one.1During the past 80 years, college has become far more...

 

Thursday, September 28, 2017

September 25, 2017 The Markets Geopolitics, what is it good for? Absolutely nothin'! In January, Robert Kahn of the Council on Foreign Relations wrote in Global Economics Monthly:1 “Markets showed impressive resilience in the...

 

Wednesday, September 20, 2017

September 18, 2017The Markets“In theory, there is no difference between theory and practice, in practice there is...

 

Monday, September 18, 2017

The use of Exchange Traded Funds (ETFs) by advisors and individual investors has continued to see steady growth, especially due to investors switching from mutual funds. This growth is likely due to their relative ease of use, lower...

 

Tuesday, September 12, 2017

Last week, the aftermath of Hurricane Harvey and potency of Hurricane Irma dominated hearts and minds, but there were some diversions and some welcome news, too. The NFL kicked off its 2017 season with the Chiefs’ win over the...

 

Thursday, August 31, 2017

Labor Day is about a lot more than the end of summer and the start of a new school year. The holiday, which celebrates American workers, became a federal holiday in 1894 and was created to recognize the contributions and achievements...

 

Wednesday, August 30, 2017

In a 2002 interview with Mike Wallace, former First Lady Nancy Reagan said she often reread the love letters written by her husband, former President Ronald Reagan. The letters, which had sustained and enriched their relationship,...

 

Thursday, August 17, 2017

Executive Assistant Part-time Position... Hyre Personal Wealth Advisors is a company that’s culture is defined by the character of its team members. As a result, each team member must possess an unyielding desire to exceed client...

 

Monday, August 7, 2017

Who’s been buying shares of company stock? Since the start of the bull market in 2009, U.S. companies have been buying their own stock. Stock buybacks peaked during the first three quarters of 2016 and have dropped off sharply...

 

Tuesday, August 1, 2017

Hyre Personal Wealth Advisors Team: We had a blast at our most recent team building outing in which we worked together to solve puzzles in order to "escape." For those of you who've never been to an Escape Room, it's worth doing....

 

Friday, July 28, 2017

While some may be concerned about the iconic American meat that arrives in a rectangular 12-ounce tin (and is inexplicably popular in certain island states and American territories), more should be wary of its namesake – the spam that...

 

Monday, July 17, 2017

It was a good week for a lot of stocks but not bank stocks. The Standard & Poor’s 500 (S&P 500) Index and the Dow Jones Industrial Average (DJIA) both finished at record highs last week.1 Barron’s indicated investors owe...

 

Wednesday, July 12, 2017

The idea of Artificial Intelligence (AI) may bring to mind movies like Terminator, Wall-E, and Transcendence, but the reality of AI is expected to help people find answers to some significant issues. For example, a PwC survey found:1 •...

 

Friday, June 30, 2017

On July 4, 1776, the American colonies claimed independence from Britain. This declaration eventually led to the formation of the United States. As we celebrate the birth of our great nation, test your knowledge with this brief quiz.1...

 

Thursday, June 29, 2017

The bull market in U.S. stocks has been charging ahead for more than eight years.1 While that’s young in people years, it’s ancient in bull market terms. Since World War II, the longest bull market in U.S. stocks lasted for almost...

 

Monday, June 26, 2017

It has been a very good year, so far. Through the end of last week, the Standard & Poor’s 500 Index posted 24 record highs and delivered returns in the high-single digits. The MSCI World ex USA Index was up more than 11 percent,...

 

Thursday, June 15, 2017

You’re probably familiar with ‘20 Questions.’ It’s a classic long-distance-car-trip game that encourages creativity and deductive reasoning. On this Father’s Day, try playing a version that can help you learn a lot more about your...

 

Tuesday, May 30, 2017

Did you know that not all advisors hold a CERTIFIED FINANCIAL PLANNER™ license? This is important because The Rules of Conduct establish the high standards expected of certificants and describe the level of professionalism...

 

Tuesday, May 30, 2017

Wouldn’t it be something if you could plump up your retirement savings as easily as you can put on a few pounds eating fast food? Here’s one way to help do it: Open a health savings account (HSA). It offers a triple tax advantage and...

 

Tuesday, May 30, 2017

It's a weekday. Your alarm rings at 6. Rush to get ready. Practice deep breathing as you weave through traffic. Work. Work. Work. Repeat in reverse, sleep (ha!), wake up and do it all over again. Your internal gas level is constantly...

 

Tuesday, May 30, 2017

After years of holding the federal funds rate at near-zero as an economic stimulant, the Federal Open Market Committee in December 2016 nudged its target rate up a quarter point between .50% and .75%, only the second increase since...

 

Tuesday, May 30, 2017

Retirees often choose to simplify life by downsizing to a space with minimal upkeep. But what if the opposite - a bigger place with room for several generations, a la "Downton Abbey" - really suits you? Read more here: The Upside of...

 

Tuesday, May 30, 2017

There's an amount, perhaps in the back for your mind, that you know would change your life. How much is it? $25,000? $250,000? $2.5 million? More? You may never experience a game changer of that magnitude. But, what if? How would you...

 

Thursday, May 25, 2017

Memorial Day is a day of remembrance for those who have given their lives in the service of our country. See what you know about Memorial Day by answering a few questions from an AARP quiz.1 1. Memorial Day was created to honor...

 

Monday, May 15, 2017

Does performance tell the whole story? American stock markets have delivered some exceptional performance in recent years. Just look at the Standard & Poor’s 500 (S&P 500) Index. Barron’s reported the S&P 500, including...

 

Thursday, May 11, 2017

Changing diapers, arranging play dates, driving car pools, calming squabbling siblings, attending musicals and sporting events, chaperoning proms, coaching teams, helping with college applications…moms have a lot of responsibilities....

 

Monday, May 8, 2017

Is it complacency? Exuberance? Uncertainty? Exhaustion? Insight? Intuition? Last week, all three major U.S. stock markets gained value and two reached new record highs. On the face of it, that’s great news for stock investors....

 

Friday, April 28, 2017

Donor Advised Fund: Similar to a private foundation, a donor advised fund provides an immediate full tax benefit and lets you donate to your favorite charities, but with less expense and setup. How does a donor advised fund work? A...

 

Friday, April 28, 2017

Teach your children to treasure their financial legacy. Parents often emphasize the importance of education to their beloved children. The rewards are obvious. Yet all too many forget to bolster that education with real-world financial...

 

Thursday, April 27, 2017

Preparing for life on your own can seem overwhelming at times, but with informed guidance and preparation, you can better navigate the legal, financial and emotional issues to come. Handling a Divorce: Getting Things in Order

 

Thursday, April 27, 2017

Your business is a huge part of your life and your net worth, so it's vital that you work with a financial advisor and other appropriate professionals to learn about your options for the future long before you're ready to take action....

 

Thursday, April 27, 2017

We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at older ages. The bad news is...

 

Thursday, April 20, 2017

Hyre Personal Wealth Advisors Team: We recently held our 5th annual community shred and donation day to support the Upper Arlington High School PTO. We are proud to say that we collected 16,125 pounds of shredding material, 3,806...

 

Monday, April 17, 2017

And the survey said... In late 2016, Natixis Global surveyed 500 institutional decision makers representing corporate pension plans, public pension plans, sovereign wealth funds, insurance companies, foundations, and endowments....

 

Monday, April 10, 2017

U.S. stock markets are sending mixed signals. If you look at the performance of the CBOE Volatility Index (a.k.a. the VIX or fear gauge), which is a measure of market expectations for volatility in the near future, it appears all is...

 

Monday, April 3, 2017

Some people may name a medical device or implant, such as a hearing aid, an artificial joint, or a pacemaker. Others may say they couldn't live without their electric bikes, GPS devices, tablets, or food processors. A surprisingly...

 

Monday, April 3, 2017

Happy birthday! Toward the end of the first quarter, the bull market celebrated its eighth birthday. David Kelly, Chief Global Strategist at J.P. Morgan Asset Management wrote:1 “Eight years ago, on March 9, 2009, the S&P 500...

 

Thursday, March 30, 2017

It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an...

 

Monday, March 27, 2017

You’ve read it before – and it’s true. Markets hate uncertainty. Failure to pass the American Healthcare Act, which was supported by Republican leaders in Congress and President Trump, may have spooked U.S. stock...

 

Monday, March 20, 2017

No one plans on getting sick or becoming disabled, but ironically, planning for these potential life-altering events is exactly what you should be doing. When a family member or close friend experiences an unexpected death or...

 

Monday, March 13, 2017

Rate hike ahead…maybe. Last week’s U.S. employment report was better than expected. The United States added 235,000 jobs in February, which was a few more than economists had forecast.1 It may seem counterintuitive, but...

 

Monday, March 6, 2017

It was a grand slam. Major U.S. stock markets were positively euphoric following President Trump’s speech on February 28. Optimism about the new administration’s pro-growth policies propelled the four major U.S. stock...

 

Monday, February 27, 2017

Once upon a time, five blind men discovered an elephant. Each man examined a different part of the elephant and formed a unique impression about the animal. One believed an elephant was like a pillar, while another decided an elephant...

 

Tuesday, February 21, 2017

Up! Four major U.S. benchmark stock indices closed at record highs for four consecutive days during Valentine’s Day week, reported Financial Times (FT).1 To date, positive corporate earnings and robust investor confidence have...

 

Monday, February 13, 2017

What’s the word ‘phenomenal’ worth? It all depends on who says it. Barron’s shared Wilshire Associates’ calculations which indicated the word was worth about $175 billion – the amount markets gained...

 

Monday, February 6, 2017

U.S. stock markets were unsettled last week. President Trump's executive order banning travel from seven predominantly Muslim countries to the United States for 90 days, in tandem with some disappointing earnings reports, inspired...

 

Friday, February 3, 2017

Life, it has been said, is a marathon, not a sprint. The same can be said of planning for retirement: taking small steps over the course of years and decades means you’ll be fully prepared in the long run. Successful retirees...

 

Monday, January 30, 2017

An historic moment for U.S. stock markets… The Dow Jones Industrial Average surpassed 20,000 last week. Barron’s cautioned investors not to make too much of the milestone since, “There are only 30 stocks in the...

 

Tuesday, January 24, 2017

Markets weren’t quite sure which direction to move last week. The Trump rally, which lost some steam, gained momentum early in the week. The Standard & Poor’s 500 Index finished January 19, the day before the inauguration,...

 

Tuesday, January 17, 2017

Around the world in a few paragraphs… The post-election adrenaline rush may be over in the United States. Barron’s reported:1 “The new year began with high hopes, with the bulls expecting the rally that began with...

 

Wednesday, January 11, 2017

You should discuss any tax or legal matters with the appropriate professional.

 

Monday, January 9, 2017

…And, they’re off! Bullish sentiment helped world equity markets get off to a fast start last week.1 Just name a country or region – developed markets, emerging markets, the United States, Latin America, Asia,...

 

Tuesday, January 3, 2017

What a difference a year makes! At the start of 2016, investors were rather pessimistic and risk averse, preferring bonds to stocks. By the end of the year, they were quite optimistic and preferred stocks to bonds. In between, markets...

 

Friday, December 23, 2016

This is a question that has been much debated and lately, there’s been some new thinking on this subject. In the early 1990s, the “4%” rule originated and it says that if you withdraw 4.5% of your retirement savings...

 

Friday, December 23, 2016

If you know how much you will need to retire comfortably, you’re in the minority. According to the Transamerica Center for Retirement Studies, only 1 in 10 Americans make this calculation. This goes a long way in explaining why,...

 

Friday, December 23, 2016

What experience do you have? Ask for a brief description of the financial planner’s work experience and how it relates to their current practice. CFP® professionals must have a minimum of three years planning experience....

 

Friday, December 23, 2016

Fiduciary: registered investment advisors, or RIAs, and Employee Retirement Income Security Act-appointed fiduciaries must avoid conflicts of interest and operate with full transparency. Also, a fiduciary has a “duty to...

 

Friday, December 23, 2016

There are five estate planning documents you may need, regardless of your age, health, or wealth: Durable power of attorney Advanced medical directives Will Letter of instruction Living trust The last document, a living trust, isn't...

 

Friday, December 23, 2016

Although a Will is the backbone of an estate plan, the well-crafted estate plan will provide for surrogate decision making in the event of incapacity and facilitate the efficient transfer of assets at death. A revocable living trust...

 

Friday, December 23, 2016

Goals & Objectives: Goals and objectives should be listed by priority and should be as specific as possible. They should be specific, measurable, reasonable, and capable of planning. Income Tax Planning: Tax returns should be examined...

 

Friday, December 23, 2016

Evaluate Your New Financial Position Before you spend or give away any money or assets, decide to move, or leave your job, you should do a cash flow analysis and determine your net worth as a first step toward planning your financial...

 

Monday, December 19, 2016

The Federal Reserve put a hitch in the markets’ giddy-up last week. It wasn’t the Fed’s second interest rate hike in a decade that caused markets to stumble. December’s rate hike was old news before it happened...

 

Tuesday, December 13, 2016

Dad: “Fra-gee-lay” …it must be Italian! Mom: I think that says “fragile,” honey. Dad: Oh, yeah.1 This holiday season, investors’ enthusiasm for U.S. stocks has rivaled old man Parker’s...

 

Thursday, December 8, 2016

The Markets Flirting with higher interest rates. Last week, yields on 10-year Treasury bonds rose to a 17-month high of 2.44 percent, reported The Wall Street Journal, before retreating to finish the week at about 2.4 percent.1 As...

 

Monday, November 28, 2016

It’s a myth! According to WebMD, the amino acid L-Tryptophan is not responsible for Americans’ post-Thanksgiving food coma. The real culprit is overeating. So, last week’s post-feast sleepiness can be blamed on big...

 

Monday, November 21, 2016

This time it’s the end. Really. Possibly. It seems like analysts have been forecasting the end of the bull market in bonds for years – and they have been doing so. In July 2010, bond guru Bill Gross predicted the 28-year...

 

Monday, November 14, 2016

Surprise! Markets were remarkably sanguine following the election of Donald Trump to the presidency of the United States. There was a moment of panic. As election results rolled in on Tuesday, Gold prices rose and Treasury yields fell,...

 

Monday, November 7, 2016

Markets hate uncertainty – and that may create opportunities. Last week, investors experienced another bout of election jitters, and the Standard & Poor’s 500 (S&P 500) Index fell for the ninth straight session.1 The CBOE...

 

Monday, October 31, 2016

It’s almost over… During July 2016, Pew Research reported almost 60 percent of Americans were suffering from election fatigue. They weren’t uninterested in the election. They were just worn out by never-ending news...

 

Thursday, October 27, 2016

What experience do you have? Ask for a brief description of the financial planner’s work experience and how it relates to their current practice. CFP® professionals must have a minimum of three years planning experience....

 

Thursday, October 27, 2016

Andy Zolper, Chief IT Security Officer, provides suggestions for how investors can improve their personal computer security. Investors increasingly use their personal computers to access and manage their finances, making computer...

 

Monday, October 24, 2016

“Verrrry interesting.” Arte Johnson’s catch phrase from Rowan & Martin’s Laugh-In may not have described U.S. stock markets last week, but there were some interesting economic, cyber-security, and consumer...

 

Tuesday, October 11, 2016

Was it good news or wasn’t it? The U.S. unemployment rate ticked higher last week. The September jobs report showed the United States added 156,000 new jobs in September. That was 16,000 fewer than economists were expecting and...

 

Monday, October 3, 2016

Markets were relatively calm during the third quarter of 2016, yet they delivered some attractive returns overall. In the United States, all three major U.S. indices posted record highs twice during a single 7-day period in August,...

 

Monday, September 26, 2016

As expected… The U.S. Federal Reserve left rates unchanged last week and markets celebrated. Across the globe, national stock market indices finished the week higher. In the United States, the Standard & Poor’s 500 Index...

 

Monday, September 12, 2016

Blame it on the central banks! After 44 consecutive sleepy, summer days when Barron’s reported the Standard & Poor’s 500 Index opened and closed without a 1 percent move in either direction, the index tumbled last week1...

 

Thursday, September 8, 2016

The Department of Labor (DOL) recently finalized a rule (April 6, 2016) that requires all retirement advisors to operate under a fiduciary standard in some situations, meaning the advisors must act in their clients' best interest when...

 

Tuesday, August 23, 2016

Last week, Wall Street was speculating about monetary policy with the enthusiasm of commentators trying to predict who will bring home Olympic gold. The Federal Open Market Committee (FOMC) is expected to introduce another rate hike...

 

Monday, August 15, 2016

How do you measure stock market valuation? If you look at conventional measures – like price-to-earnings (P/E) ratios – then U.S. stock markets appear to be pricey. The Wall Street Journal reported trailing 12-month P/E...

 

Wednesday, May 11, 2016

Reading economic portents can be tricky.For example, do signs that economic growth is slowing – like last week’s employment report, which was anemic relative to consensus forecasts, and first quarter’s gross domestic...

 

Wednesday, May 11, 2016

It’s important to be aware of caregiver burnout. You cannot provide effective care if you neglect your own physical and mental well-being. Caring for a loved one with dementia can take a physical and emotional toll. As demands...

 

Tuesday, May 10, 2016

What advice can we offer regarding the financial lives of the post-boomer generation – those who are in their 20’s and 30’s? Start saving as soon as possible – every bit counts. Albert Einstein called the power...

 

Monday, May 2, 2016

“Which would you prefer to be: a medieval monarch or a modern office-worker?” If you immediately answered medieval monarch, take a moment to ponder life without “…modern dentistry, antibiotics, air travel,...

 

Monday, April 25, 2016

U.S. stock markets finished last week in heady territory.The Dow Jones Industrial Average closed at 18,003. Its all-time closing high is 18,312. The Standard & Poor’s 500 Index was less than 1 percent below its intraday trading...