Up-to-date articles on matters that offer an informed perspective to your own financial journey. We invite you to explore more on our blog.

Tuesday, December 6, 2022

Is that investment an innovation or an improvement on an existing product? As Christmas sales loom, we face an endless array of sparkly, shiny and occasionally innovative items. As an investor, you run into a similar phenomenon that...

Monday, December 5, 2022

Economic and corporate data support the initial strong reads on holiday retail sales despite the macro headwinds, reinforcing the idea that today’s consumer is in a better position than usual at this point in the business cycle....

Monday, November 28, 2022

If you ask someone their favorite part of the holiday season, giving or receiving gifts will likely be their response nine times out of ten. Gift-giving is a huge part of the holidays—it’s why there are entire days...

Monday, November 21, 2022

Recent inflation data has tempered expectations for future Federal Reserve tightening, including a potential peak in the terminal rate near 5.0% in May or June of 2023. While the market has welcomed this news, history suggests the path...

Monday, November 21, 2022

The holidays are prime time for eating delicious food, celebrating with loved ones, and creating long-lasting memories. However, all this cheer can be both physically and mentally draining.That’s why it is essential to focus on...

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Monday, November 14, 2022

The growth vs. value debate has been pretty one-sided in 2022, with value outperforming growth for a sustained period for the first time in almost 15 years. However, the debate is heating up as investors begin to consider whether the...

Monday, November 14, 2022

It may be easy to forget we're nearing the end of the year. Even during the busy end of year rush, it's a good time to reevaluate your 2022 finances and turn an eye toward 2023. What can you do now to potentially improve and streamline...

Monday, November 7, 2022

Midterm elections are upon us, with Election Day on Tuesday. Republicans are strongly favored to win the House, and the Senate is roughly a tossup. We believe either outcome would be market-friendly, although the bigger market driver...

Monday, November 7, 2022

Reviewing your benefit choices will maximize your employment benefits. Open enrollment for employee benefits kicks off this month. While you plan your Thanksgiving menu, review your benefit choices. Even if little changed in your life...

Monday, October 31, 2022

As the U.S. population continues to age, the number of individuals requiring extended care for chronic, debilitating conditions increases. Chances are that you, a relative, or someone else you know will be among them. Nursing home...

Monday, October 31, 2022

With a series of important economic indicators suggesting the economy is declining and inflation is finally decelerating, albeit very slowly, markets are beginning to factor in that the Fed may soon transition to a less aggressive...

Tuesday, October 25, 2022

In 2021, women-led companies only received 2% of all venture capital funding, a figure considered the lowest percentage in more than five years.

Monday, October 24, 2022

If the U.S. economy enters a recession, the causes and potential outcome will be hotly debated. At LPL Research, our starting point is always looking at history. This week’s commentary will remind us of three things we know about...

Tuesday, October 18, 2022

Women face unique financial challenges as they age. When compared with men, women live longer, earn less, and spend fewer years in the workforce. Financial concerns are often more acute for older women who are divorced, widowed, or...

Monday, October 17, 2022

Expectations are very low for this earnings season. The challenges are many, with intense cost pressures and slowing economic growth at the top of the list. The chorus of analysts and strategists calling for big cuts to estimates has...

Tuesday, October 11, 2022

Are you a good pet owner? Owning an animal means more than feeding it and loving it. Pets aren’t cheap, so doing right by Fido or Tabby involves financial planning.

Monday, October 10, 2022

As Federal Reserve (Fed) officials continue to emphasize the Fed’s commitment towards restoring price stability, the dollar marches ever higher. Markets are currently pricing in another 75-basis point rate hike at the November 2...

Tuesday, October 4, 2022

If your medical records are scattered across a mishmash of different providers, cities, or even states, you may have trouble creating a comprehensive medical history when you need one. Here are steps to organize everything in one place.

Monday, October 3, 2022

On October 16, China will begin its 20th National Congress of the Chinese Communist Party in Beijing. This plenum is especially significant because it is expected that President Xi Jinping will be granted an unprecedented third term,...

Tuesday, September 27, 2022

Have you ever thought about the important role life insurance can play in helping you manage a variety of important financial objectives? Let’s look at some “slice of life” hypothetical examples.

Monday, September 26, 2022

The LPL Research Strategic and Tactical Asset Allocation Committee is increasing its recommended interest rate exposure in its tactical allocation from underweight to neutral. Now that interest rates have moved substantially higher, we...

Tuesday, September 20, 2022

Seven reasons that the Roth IRA is the ultimate investment account Millennials and Gen Zers.

Monday, September 19, 2022

Inflationary dynamics continue to surprise to the upside, and markets now expect the Fed to pursue one of its most aggressive rate hiking campaign in years. U.S. Treasury yields continue to move higher as well. We think we’ve...

Tuesday, September 13, 2022

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

Monday, September 12, 2022

Federal Reserve Chairman Jay Powell reiterated his warning that getting inflation under control will require some pain. Powell is likely making these warnings based on the arcane, clunky relationship between inflation and unemployment....

Tuesday, September 6, 2022

529 plans are tax-advantaged education savings vehicles and one of the most popular ways to save for education today. 529 plans have changed the world of education savings.

Tuesday, September 6, 2022

The difficult 2022 for stocks may not get much easier because as we now wait for better news on the inflation front, we have to contend with a seasonally weak month of September. While we got some welcome news in Friday’s jobs...

Tuesday, August 30, 2022

Be very careful when making even small changes to your assumptions. Seemingly an inconsequential share of anything, 1% can actually make a tremendous difference to your financial security.

Monday, August 29, 2022

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

Tuesday, August 23, 2022

As you grow older, your housing needs may change. When the time comes to evaluate your housing situation, you'll have numerous options available to you.

Monday, August 22, 2022

Existing home sales fell 5.9% in July, the sixth consecutive month of declines as higher interest rates weigh on housing affordability and prospective buyers. As the housing market slowed, so did prices. The median price for a single...

Tuesday, August 16, 2022

Basic estate planning is something that everyone should do, regardless of your age, marital status, the value of your assets, and if you’re a parent or not. These are 6 important components of Estate Planning.

Monday, August 15, 2022

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

Tuesday, August 9, 2022

When it comes to giving, we often don’t know where to start. However, a care package is a simple and effective way to make a positive impact. Here is a checklist of supply suggestions.

Monday, August 8, 2022

The market pundits remain intensely focused on the question of whether the U.S. economy is in or about to enter recession, so we thought a piece on what a recession might mean for the stock market would be of interest. While...

Tuesday, August 2, 2022

Picking the Right Golf Partner is Not Easy but it’s not that different from picking the right financial professional.

Monday, August 1, 2022

That was quite a week. These days a Federal Reserve (Fed) policy meeting alone gets a lot of headlines and has market participants on the edge of their seats. Add to that the second straight quarter of negative gross domestic product...

Tuesday, July 26, 2022

In 2022, U.S. inflation hit a 40-year high. For retirees and seniors on a fixed income, the true costs of inflation and market volatility can be much higher—potentially jeopardizing a comfortable retirement.

Monday, July 25, 2022

For the past year, supply-related problems contributed more to inflation than demand-related imbalances, but that may be changing soon. There are at least three factors that could change the course of inflation. First, the improvement...

Tuesday, July 19, 2022

Markets rarely give us clear skies, and there are always threats to watch for on the horizon, but the right preparation, context, and support can help us navigate anything that may lie ahead. So far, this year hasn’t seen a...

Tuesday, July 19, 2022

A living trust is a separate legal entity that you create to own property for you (like a house, boat, or mutual fund shares).

Tuesday, July 12, 2022

Social wellness refers to the relationships you have and how you interact with others. It involves building and maintaining positive, supportive relationships and fostering meaningful connections.

Tuesday, July 5, 2022

Stocks have been unable to make up much ground since the June 16 lows, with a bear market rally amounting to only around a 4.3% gain in the S&P 500 Index since then (as of July 1). After the more than 6% rally the week of June 24 and...

Tuesday, July 5, 2022

With a few simple actions, you can ensure your estate planning is effective. Whether your estate plan is simple or complex, there are many details, which are often overlooked, that can undermine your plan’s effectiveness.

Tuesday, June 28, 2022

While many business owners often spend their days meeting clients’ needs, they may have a difficult time assessing their own vulnerabilities. To cover all your bases, you may want to consider insurance Against the Unthinkable.

Monday, June 27, 2022

It may be early, but we see some potential signs that energy trends could be changing, which would not only have positive implications for consumers’ wallets, but also potentially investors’ investment portfolios.

Tuesday, June 21, 2022

To help investors manage through this difficult period, we answer some of the top questions we’re getting about bear markets and list some things to watch to assess progress toward an eventual durable low.

Tuesday, June 21, 2022

Planning for retirement is essential as a step toward financial security. Most investors are familiar with 401(k)s, Traditional IRAs, or Roth IRAs but often may not know about an annuity's benefits in retirement.

Tuesday, June 14, 2022

What constitutes a gift to charity? How do you decide which one to give to? What options do you have to donate? Here's what you need to know.

Monday, June 13, 2022

This year has been tough for investors, not just because stocks have fallen but also because bonds have not helped mitigate those losses as they have historically done.

Tuesday, June 7, 2022

If you have always thought estate planning was just for those nearing retirement or already retired, think again. If you own a home, it is important to have a plan in place.

Monday, June 6, 2022

Many pundits are issuing recession warnings and saying the economy is heading for a hard landing. Amid the cacophony of voices, we think the economy is slowing just like central bankers want but not shrinking.

Tuesday, May 31, 2022

We fully acknowledge how tough it is to see the bull case for stocks right now, and a retest of recent lows is certainly possible, but this week we lay out the bull case for the second half of the year. It starts with inflation.

Tuesday, May 31, 2022

Whether your child was just born or is heading toward high school graduation, a 529 savings plan may help you put aside funds to pay for college expenses without paying taxes.

Tuesday, May 24, 2022

Annuities can be powerful financial planning tools. Most often used as an insurance product, an annuity can also be used as an investment vehicle, as a way to turn lump-sum income into a stream of payments.

Tuesday, May 17, 2022

Credit cards make it easy to cover a variety of expenses. But are credit cards suitable for college students? The answer is “it depends.” While a credit card may make sense for one student, it might be a mistake for another.

Tuesday, May 10, 2022

At every stage of life, you may have financial questions that you don’t know the answers to. But not every question has a definite right or wrong answer because it largely depends on your unique situation. What is the most suitable answer?

Tuesday, May 3, 2022

As a business owner, you may assume you do not need professional financial advice until you hit certain milestones such as $1 million in sales, having ten employees, or some other tangible measure.

Tuesday, April 26, 2022

A well-managed trust can help preserve wealth for generations, while a poorly-managed trust may provide only a quick path to insolvency. How can you ensure that your trust falls into the first category?

Tuesday, April 19, 2022

Here are some key numbers associated with estate planning, as well as the federal gift tax and estate tax rate schedules for 2021 and 2022.

Tuesday, April 12, 2022

In a rush to file for Social Security benefits at age 62? Many people are - but slow down and do the math first. Here are three reasons why delaying taking your Social Security benefit to age 70 is a decision you may want to consider.

Tuesday, April 5, 2022

April is not just about tax season and springtime. Since 2004, April has also been Financial Literacy Month throughout the U.S. Here are some ways you may celebrate Financial Literacy Month this April.

Tuesday, March 29, 2022

Even if your finances are far more modest than a lottery winners', there are some lessons to be learned from their mistakes. Here are three common situations in life when it's a good idea to consult a financial professional.

Tuesday, March 22, 2022

Here are some "been–there–done–that advice" that might be helpful if you are running your own venture. Because actually running a business is something that no one ever teaches in school.

Tuesday, March 15, 2022

If you have reached a point where retirement is the next big step, you need to develop a strategy that will help you cross the bridge from the world of work to the world of leisure.

Tuesday, March 8, 2022

Retirement is not what you retire from, but what you retire to. When you plan for retirement, an exciting new phase of life, double-check your expectations. They may not match the reality.

Tuesday, March 1, 2022

It's hard to imagine functioning in today's society without access to credit. However, you need to be careful not to fall victim to some of the pitfalls associated with it

Tuesday, February 22, 2022

One of the most vexing questions for anyone planning for retirement is: “What’s a suitable age to start receiving Social Security benefits?”

Tuesday, February 15, 2022

The average college student graduates with around $30,000 in student loan debt.

Tuesday, February 8, 2022

These individuals are part of the sandwich generation, those sandwiched between the obligation to care for their aging parents and their children at the same time.

Tuesday, January 11, 2022

Some see retirement as a time to start a new career. Others see it as a time to travel. Still, others plan to spend more time with family and friends. With that in mind, here are some things to consider.