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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.

Wednesday, April 17, 2024

For some people, the thought of using financial services is a scary experience. It involves planning for a future where you may not know how the economy may be, how your health may be, or what your financial needs might be. One of the...

Monday, April 15, 2024

As the first quarter earnings season kicked off on April 12, expectations for the energy sector were decidedly negative. That low bar has tempted analysts to forecast a series of positive surprises as recent data releases for both the...

Wednesday, April 10, 2024

Between 1910 and 1930, the Green Mountain Club of Vermont established the oldest long-distance hiking trail in the United States—appropriately dubbed the Long Trail. It inspired another recognizable hiking system along the East...

Monday, April 8, 2024

First quarter earnings season kicks off this week with several big banks reporting this Friday, including sector bellwether JPMorgan Chase (JPM). This quarter will seem quite similar to the fourth in terms of growth and drivers, with...

Monday, April 1, 2024

The initial public offering (IPO) market allows institutional investors to incorporate the macroeconomic landscape with individual corporate earnings data — and future earnings forecasts — to ascertain a share price that will hold up...

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Thursday, March 28, 2024

Are you feeling exhausted? Burnt out? When you feel that you are mentally done and have little to look forward to in life, odds are your mental health bank is dangerously low. Your mental health bank functions in a similar way to your...

Wednesday, March 27, 2024

A refreshing addition to any dinner or lunch, this salad is made with the freshest of ingredients and is packed with all of the flavors of spring! Ingredients: For the Salad Spring mix Handful of sliced strawberries Handful of red...

Monday, March 25, 2024

The difference between strategic and tactical investment time horizons can be likened to the ebb and flow of tidal patterns in oceans. Strategic investing mirrors the steady rise and fall of the tides, focusing on long-term goals and...

Wednesday, March 20, 2024

You’re not alone if you dig gardening but dread going to the gym, or you’d rather wear your work boots than a pair of running shoes. The good news is you can work on your physical fitness this spring and...

Monday, March 18, 2024

It seems like we just can’t stop talking about central banks. And this week will be no different, with at least 15 central bank meetings planned, some more important than others, of course. While the Federal Reserve (Fed) meeting...

Wednesday, March 13, 2024

Care to knock out your spring-cleaning in a month? It may seem impossible, but take it week by week, and you’re sure to have a sparkling clean house before April showers give way to May flowers. Week One: Declutter Decluttering...

Monday, March 11, 2024

Bullion broke new ground last week after rallying to a record high. Growing investor confidence for a Federal Reserve (Fed) rate cut by this summer dragged down yields and the dollar, creating a tailwind for gold. The breakout above...

Wednesday, March 6, 2024

Pearls of Wisdom Wealth preservation is essential for high-net-worth (HNW) individuals, but it warrants a gender-specific focus, too. Particularly for HNW women, understanding the complexities of wealth preservation is crucial. Whether...

Monday, March 4, 2024

Fourth quarter earnings season is winding down with only about a dozen companies in the S&P 500 left to report. After a slow start mired by messy bank results early on, corporate America picked up the pace and ended up delivering...

Wednesday, February 28, 2024

Random acts of kindness are just that, random. But, in the hustle and bustle of life, oftentimes these simple actions are pushed to the back burner. However, everyone—from mere strangers to family members—could greatly...

Monday, February 26, 2024

After a brief lull in 2023, buyback activity appears to be back this year. A resilient U.S. economy, easing inflation pressures, and expectations for an eventual shift to interest rate cuts have given corporate America confidence to...

Wednesday, February 21, 2024

Tips for finding the best fit in caregivers to ensure quality care and comfort Are you thinking about home health care as a solution to providing help with daily activities such as bathing, meal preparation, and housekeeping? Many...

Tuesday, February 20, 2024

As the Federal Reserve (Fed) continues with its Quantitative Tightening (QT) program, questions abound regarding the Treasury Department’s expanding funding needs. The QT program is designed to reduce the Fed’s balance...

Wednesday, February 14, 2024

Vowing to eat better or exercise more in the months ahead is a popular New Year’s resolution. But did you know that taking steps to improve your health can also save you money this year and long into the future? To benefit both...

Monday, February 12, 2024

When we wrote the annual outlook last November, the data was mixed. Some metrics hinted at emerging cracks in the economy while others suggested the growth trajectory in capital markets and the economy had legs. So, the variety of the...

Wednesday, February 7, 2024

For the past few years, HIIT (high-intensity interval training) has dominated the fitness world. HIIT is a specific type of workout characterized by quick, high-intensity movements followed by short periods of rest, repeated back to...

Monday, February 5, 2024

A positive January has historically been a bullish sign for stocks. Yale Hirsch, creator of the “Stock Trader’s Almanac”, first discovered this seasonal pattern back in 1972, which he called the January Barometer and...

Wednesday, January 31, 2024

Planning for retirement often involves focusing on your finances and ensuring that you not only will have enough to sustain you during your retirement but adequate funds to do the things you enjoy doing. While this strategy is a...

Monday, January 29, 2024

With the S&P 500 having recently ascended to a fresh record high after such a strong 2023, it’s natural for investors to worry that valuations have become over-extended. On traditional valuation measures, valuations do appear...

Wednesday, January 24, 2024

When you think of identity theft, you may think of unauthorized credit card payments or new lines of credit. However, tax identity theft is one of the most common types of identity theft — and it’s also the most common...

Monday, January 22, 2024

Shipping disruptions in the Red Sea could temporarily impact goods prices but not at the same magnitude as during the pandemic. Tight financial conditions, slowing economic growth, and a disinflationary trend all support the Federal...

Wednesday, January 17, 2024

What is an estate tax return? When you die, you will leave behind all your property (everything you own) and debts (everything you owe). All this is called your estate. After the debts have been paid, the various items left in your...

Tuesday, January 16, 2024

Fourth quarter earnings season kicked off last week, and markets were generally left wanting more. That doesn’t necessarily mean this earnings season will be disappointing, especially considering the bar has been lowered so much....

Wednesday, January 10, 2024

While you never know your needs as you age, the first step is thinking about your financial situation and health today so you can plan for your later years. With a one in four chance of making it to our 90th birthday, being independent...

Monday, January 8, 2024

As China emerged a year ago from the shadow of the stringent zero COVID-19-related measures that all but shut down its economy for over two years, much was expected in terms of its economic growth prospects. There were numerous reports...

Tuesday, January 2, 2024

To say 2023 was challenging may be an understatement. While stocks had a surprisingly impressive year, there was no shortage of obstacles for investors to overcome, including historic interest rate volatility, recession risk, banking...

Tuesday, January 2, 2024

The History of New Year’s Resolutions People have been making New Year’s resolutions for at least 4,000 years, beginning with the Babylonians, who supposedly made promises to the gods. The idea of transforming our lives for...

Wednesday, December 20, 2023

The average family spends an extra $1,000 or more during the holiday season. From gifts and travel to dinners, shows, and decorations, each purchase adds up.1 How might you take full advantage of holiday cheer while avoiding...

Monday, December 18, 2023

Following the Federal Reserve’s (Fed) aggressive rate-hiking campaign in 2022 and 2023, stocks are entering a phase in which the market narrative is focused on interest-rate stability — as inflation, we believe, comes down...

Wednesday, December 13, 2023

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

Monday, December 11, 2023

Despite a heavy lobbying effort to cajole OPEC+ members to agree to a unified cut in oil production, Saudi Arabia, the de facto leader of the energy cartel, was unable to orchestrate anything more than pledges on a...

Wednesday, December 6, 2023

What is it? Under certain conditions, disabled individuals are eligible to enroll in Medicare, the federal health insurance program that currently consists of premium-free hospital insurance Part A protection, premium-paid medical...

Monday, December 4, 2023

Opportunities abound in the markets, even during periods when the economy appears ripe for a regime shift. Recent growth metrics surprised to the upside, but leading indicators point toward some downside risk. In this edition of the...

Friday, November 24, 2023

I am all set. I’ll be fine. I’ve got plenty of insurance already. Have you thought the same about insurance or made these statements before? Maybe you do have an appropriate amount of coverage, but do you have plans to...

Monday, November 20, 2023

As the market appears to be taking a rest and consolidating its $2.7 trillion rally leading up to the Thanksgiving holiday, the historical pattern over the last five years suggests the shortened holiday week typically enjoys modest...

Monday, November 20, 2023

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

Monday, November 13, 2023

There is nothing like an eight-day winning streak to change the market narrative. Stocks have quickly gone from a correction to a comeback this month, and the S&P 500 is now challenging key resistance at 4,400. While a confirmed...

Friday, November 10, 2023

More than half of Americans don't have a will, even though most agree that wills are a good idea. For caregivers, planning ahead for their unexpected death is even more critical since the people who depend on their services will likely...

Monday, November 6, 2023

It’s been another volatile year for municipal (muni) investors this year. While generally outperforming U.S. Treasuries, the Bloomberg Muni Index is on track for its second calendar year of negative returns—something that...

Friday, November 3, 2023

Retiring from the military is a profound accomplishment. For many, this retirement will provide you with positive things, including the time and geographic stability you need to start a new career or simply enjoy leisure activities...

Monday, October 30, 2023

It’s a tradition here to write about what scares us around Halloween each year. The past few years have offered plenty of material to use in these annual commentaries, but with wars in Israel and Ukraine ongoing, Washington, D.C....

Wednesday, October 25, 2023

What is it? A durable power of attorney for health care (DPAHC), also known as a health-care proxy, health-care power of attorney, or appointment of a health-care agent, is your written appointment of a representative to make medical...

Monday, October 23, 2023

Despite headwinds, the U.S. could experience structural changes in the labor market, residential real estate, and inflation as the post-pandemic economy progresses into the New Year. As markets adjust to a new regime, investors should...

Wednesday, October 18, 2023

Scammers are one of the biggest unseen threats out there, and they are especially dangerous to the most vulnerable—the elderly population. In fact, more than $1.7 billion was lost in 2021 among the sixty-plus age group, a 74...

Monday, October 16, 2023

Earnings season has kicked off with several of the big banks and a handful of other blue-chip companies having already reported results for their calendar third quarters. The key headline this reporting season will be the (likely) end...

Wednesday, October 11, 2023

If you or a loved one are approaching the point of needing elder care, you may be wondering what your options are. What level of care is right for your situation? How will you pay for care? What will happen when you need a more...

Monday, October 9, 2023

U.S. Treasury yields have seemingly been moving in one direction lately (higher), with the 30-year Treasury yield temporarily breaching 5% for the first time since 2007. The move higher in yields (lower in price) has been unrelenting,...

Wednesday, October 4, 2023

The first step to improving your finances is to get organized. These top Amazon finds can help you create a monthly budget, plan your spending, and safely store your important insurance or personal documents for easy access when...

Monday, October 2, 2023

After a difficult September for stocks, investors are surely ready to flip the calendar to October. That’s the month that kicks off the historically strong fourth quarter. Expecting this pattern to repeat this year is tricky...

Wednesday, September 27, 2023

Every year, around 3 million Americans are required to evacuate their homes due to a natural disaster.1 What's more, this figure does not include the millions of other individuals who are temporarily displaced as a result of fire,...

Monday, September 25, 2023

India has emerged as a compelling economic growth story and an increasingly attractive alternative to China within the emerging markets complex. A growing population with a robust and young workforce, significant infrastructure...

Wednesday, September 20, 2023

September is self-improvement month and a great time to work on your financial health. When you think of self-improvement, you likely think of your health or career but may pay little attention to your finances. Getting your financial...

Monday, September 18, 2023

Recent data suggests economic conditions in Europe are deteriorating, removing a key element of LPL Research’s positive view of the attractively valued developed international equities asset class. Previous U.S. dollar weakness...

Wednesday, September 13, 2023

Having a solid life insurance policy in place is crucial for any adult who has assets, a business, or a steady income. While most adults know that having a life insurance policy is a vital piece in their financial puzzle, there are...

Monday, September 11, 2023

The BRIC acronym, without the “S,” was introduced in 2001 by the Goldman Sachs chief economist who highlighted the prodigious growth and investment prospects of Brazil, Russia, India, and China combined. In 2009, Russia...

Tuesday, September 5, 2023

Fixed income investors have had a rough time over the last few years. Normally a staid asset class, core bonds (as proxied by the Bloomberg Aggregate Bond Index) have seen negative returns over the last two calendar years and could...

Monday, September 4, 2023

A charitable remainder trust (CRT) can be a highly effective financial and estate planning tool. The CRT can allow you to: avoid capital gains taxes on highly appreciated assets, however when income is distributed to the income...

Tuesday, August 29, 2023

Sometimes, the simplest idea can create the most fun. Next time you’re stuck inside with nothing to do, try using an ordinary household item to create a multitude of games and activities.We’ve put together a roundup of our...

Monday, August 28, 2023

The Federal Reserve (Fed) often uses the Jackson Hole Symposium to announce tweaks in policy. Other central bank leaders are also worth watching as investors try to perceive where rates will be in the coming months. In this piece, we...

Tuesday, August 22, 2023

What is it?Many programs and resources are available from your community to help you live independently at home. Some of these programs are funded either by your state government or by the federal government. Others are privately...

Monday, August 21, 2023

Volatility has returned right on queue as U.S. equity markets continue to pull back from overbought levels. The recent jump in interest rates has proven to be too much too fast for stocks to absorb, especially for the heavyweight and...

Tuesday, August 15, 2023

Even before your children can count, they already know something about money: it's what you have to give the ice cream man to get a cone, or put in the slot to ride the rocket ship at the grocery store. So, as soon as your children...

Monday, August 14, 2023

It’s different this time. The four (or five) most dangerous words in investing. We’ll take the risk and use those words here as we break down the recent decision by credit rating agency Fitch to downgrade U.S. government...

Tuesday, August 8, 2023

Retirement planning is a constantly evolving process. Strategies that may have worked fine a few years ago may no longer be the optimal direction to continue. Your life may have taken unexpected turns, you may have different retirement...

Monday, August 7, 2023

On the flip side, the energy sector is projected to detract the most from earnings growth. The sector is tracking to a 52.6% year-over-year earnings decline in the second quarter amid sharply lower oil prices compared with the year-ago...

Tuesday, August 1, 2023

You can learn a lot from those who have come before you. For individuals interested in investing, especially those new to it, learning and applying the wisdom from people that have found techniques that worked for them is a great...

Monday, July 31, 2023

The economy is doing better than expected, and the markets are responding accordingly. In this piece, we discuss some of the factors that cause us to think the Federal Reserve (Fed) hiked for the last time in this cycle as inflation is...

Monday, July 24, 2023

The first half of the year probably didn’t go the way many fixed income investors had hoped, particularly after the historically awful year last year. It wasn’t a horrible start—more in line with recent...

Monday, July 24, 2023

What would happen if you lost your ability to earn an income? What would your life be like? Even though your income would abruptly stop, your living expenses would continue. The mortgage and car payments would be due—missing...

Monday, July 17, 2023

Earnings season is upon us as some banks and a small handful of other blue chip companies have already reported results for their quarters ending June 30. The results on the surface probably won’t offer much to write home about...

Monday, July 17, 2023

Insurance is one of the most crucial components of financial well-being, even though you may not necessarily receive an actual payout from a policy. Many things in life are especially valuable, such as your time, your health, your home...

Monday, July 10, 2023

Does your closet currently overwhelm you? It may be time for a closet overhaul. Here are some great tips to get your closet in shape!Sort through all of your clothes to weed out impulsive buys or things you haven’t worn in the...

Tuesday, July 4, 2023

Caring for your aging parents is something you hope you can handle when the time comes, but something you probably hope you never have to do. Caring for your aging parents means helping them plan for the future, and this can be...

Monday, July 3, 2023

The long dormant capital markets have recently begun showing signs of interest from institutional investors and deal makers anxious to bring companies to market. While activity remains muted at best, expectations are focused on 2024,...

Friday, June 30, 2023

The need for regular saving and investing spans many life stages. Through the years, your goals will change and your strategies will shift, but don’t be alarmed. You’re just progressing through the normal stages of life,...

Monday, June 26, 2023

The prices of small cap stocks are generally more volatile than large cap stocks.We know it’s old news at this point, but on June 8, 2023, the S&P 500 entered a new bull market. After such a strong rally off the October lows,...

Monday, June 26, 2023

When something is labeled eco-friendly, it can have a variety of meanings. It could indicate that a material is sustainably sourced, for example. Or it could signify that a particular setup is more energy efficient.When it comes to...

Wednesday, June 21, 2023

Bask in some vitamin D—and get a workout in, too! Here are some advantages of going outside for exercise. IT’S CHALLENGING: Let’s face it, you don’t work out expecting it to be easy, you want a...

Tuesday, June 20, 2023

As the economy is likely downshifting, investors should take heed that the Federal Reserve’s (Fed) current stance is eerily similar to early 2007. During that time, the Fed held a tightening bias since they believed the housing...

Wednesday, June 14, 2023

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

Monday, June 12, 2023

The Federal Reserve (Fed) meets this week where it is largely expected to not raise short term interest rates for the first time in 15 months. However, Fed messaging has been all over the place in recent weeks. While some Fed officials...

Wednesday, June 7, 2023

Summer is here, and it is the perfect time to consider the health and wellness of your employees. Healthy and happy workers are more productive, use less sick time, and are more likely to influence the workplace positively. So help get...

Monday, June 5, 2023

Stocks have had a nice run, but at higher prices, the bar for further gains gets higher. We have recently made the case in this publication that there are a lot of reasons to expect the market to go higher between now and year end. But...

Wednesday, May 31, 2023

Insurance is one of the most crucial components of financial well-being, even though you may not necessarily receive an actual payout from a policy. Many things in life are especially valuable, such as your time, your health, your home...

Tuesday, May 30, 2023

The mega-cap technology companies have powered the broad market higher this year. In fact, the 8.1% gain in the S&P 500 year to date has been driven entirely by six mega-cap stocks: Apple (AAPL), Microsoft (MSFT), NVIDIA (NVDA), Meta...

Monday, May 22, 2023

Economists like to remind us there is no such thing as a free lunch. In investment parlance, that just means all investments carry risk—even cash. And the big risk with cash is reinvestment risk. That is, while short-term rates...

Monday, May 22, 2023

The hardest part about coming up with a fitness goal is following through with it. Here’s a few ways to make sure you don’t give up so easily on your ambitions.

Monday, May 15, 2023

First quarter earnings season is nearly complete, and it has caused us to regret titling our earnings preview commentary on April 10, “Malaise Continues.” While the “better than feared” label fit the past couple...

Sunday, May 14, 2023

Police officers have one of the most stressful—and dangerous—jobs in the United States. As a result, they also have different retirement benefits that may allow full retirement after only a couple of decades of active duty...

Monday, May 8, 2023

Much has been written lately about the threats facing the reserve currency status enjoyed by the U.S. dollar. “De-dollarization” headlines appear on a near-daily basis, suggesting the dollar’s reign is in looming...

Monday, May 8, 2023

First responders—police, firefighters, and EMS workers—spend their shifts responding to disasters and emergencies from which many people would flee. They often deal with hazardous diseases, natural disasters, and violent...

Monday, May 1, 2023

“Sell in May and go away” is probably the most widely cited stock market cliché in history. Every year a barrage of Wall Street commentaries and stories in the financial press floods in about this popular, but overused...

Saturday, April 29, 2023

Only about 25% of Americans aged 60 and over have access to a defined-benefit plan, also known as a pension.1 Firefighters are in the small group of Americans who have the option of an employer-sponsored pension plan, but this may not...

Thursday, April 27, 2023

It is important to understand basic financial concepts in today's economic climate—from compound interest to the difference between a tax credit and a tax deduction. Unfortunately, 65% of Americans are financially illiterate and...

Monday, April 24, 2023

Investors use various analogies to describe the importance of small businesses in the domestic economy. Some refer to the small business sector as the backbone or the lifeblood of the economy.  At this current stage of the cycle,...

Monday, April 24, 2023

When was the last time you learned about anything financial?April is National Financial Literacy Month – an entire month dedicated to underscoring the importance of learning, establishing and maintaining healthy financial habits...

Thursday, April 20, 2023

Attempting to mentally manage the different aspects of your life can create a cluttered mind. This leads to over-stress, a wandering mind, and inefficient work. Practicing relaxation methods will allow you to take back control and...

Monday, April 17, 2023

The commercial real estate (CRE) market has recently captured the spotlight after being flagged as the next potential shoe to drop following last month’s banking turmoil. While rising rates have weighed on financing costs and the...

Thursday, April 13, 2023

We all know the basic habits we need to adopt in order to stay healthy: drink more water, get enough sleep, and exercise regularly; but all of those things are much easier said than done.With busy schedules, proper health management...

Monday, April 10, 2023

First quarter earnings season kicks off this week with some big banks reporting toward the end of the week. In some ways this quarter’s earnings season will probably be déjà vu all over again—earnings declines and...

Thursday, April 6, 2023

With April’s federal tax filing and payment deadline on the horizon, Americans are dotting their i’s and crossing their t’s as they prepare for the countdown to Tax Day. But before you rush to get that return out the...

Monday, April 3, 2023

Financial markets and the Federal Reserve are reading from two different playbooks. Who is right? The markets are pricing in several rate cuts by the end of this year, while the Federal Reserve communicated more rate hikes with an...

Thursday, March 30, 2023

Before you receive any Social Security benefits, the Social Security Administration (SSA) will need to determine your eligibility. Remember that Social Security is an insurance system designed to pay you benefits during times of...

Monday, March 27, 2023

A lot has changed in the past few weeks, both in terms of expectations for interest rates and lost confidence in the health of the banking system as a result of the sharp rise in interest rates that has led to some things...

Thursday, March 23, 2023

Many businesses start small, begun by people seeking the exciting and potentially rewarding experience of "being their own boss" while doing something they enjoy. If you're thinking about starting your own business, you'll need a sound...

Tuesday, March 21, 2023

The Federal Reserve (Fed) has a history of raising short-term interest rates until something “breaks.” Considering the Fed has raised rates from a near-zero level to 4.75% (upper bound) over the course of only one year, it...

Thursday, March 16, 2023

Credit can be a scary subject to approach, whether or not you want to jump into it isn’t an option in most cases; credit determines a lot, but it can also be a great financial tool when used properly. When your credit score is...

Monday, March 13, 2023

Last week did not play out how we anticipated. Coming into the week, it was all about Federal Reserve (Fed) Chair Jerome Powell’s congressional testimony and the February jobs report. Instead, we got a shockingly fast collapse of...

Thursday, March 9, 2023

Imagine that your son or daughter is in a serious car accident. Or that a good friend is getting chemo treatment for cancer. A common denominator? Each may desperately need blood.In fact, every two seconds, someone in the United States...

Tuesday, March 7, 2023

Suggesting an economy makes “no landing” makes no sense. Analogies eventually break down, especially this one. Economic activity does not stop like an airplane eventually does, but rather the economy will settle into a...

Friday, March 3, 2023

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.

Monday, February 27, 2023

While concerns about the debt ceiling have been increasing, markets, businesses, and the economy are likely to see only minimal impact until we are days, or maybe a few weeks, from the “x date,” the date on which the...

Thursday, February 23, 2023

While you never know your needs as you age, the first step is thinking about your financial situation and health today so you can plan for your later years. With a one in four chance of making it to our 90th birthday, being independent...

Tuesday, February 21, 2023

Markets have adjusted to several changes this year. The pace at which inflation has cooled is slowing. The market has started to believe the Federal Reserve’s (Fed) “higher for longer” message. The bar for earnings...

Thursday, February 16, 2023

We often like to fantasize that our heart is the center of our love and feelings, but do you spend enough time focusing on its importance to your physical health?February is American Heart Month, so now is the perfect time to love your...

Monday, February 13, 2023

Soft landing or no soft landing, that is the question, with all due respect to William Shakespeare. But while this may be the most commonly asked question these days, it may not be the most important or the toughest. That honor goes to...

Thursday, February 9, 2023

Being an entrepreneur is a dream for many. The idea of being the boss and watching your ideas take shape into a company or endeavor can be appealing. While there are many steps on the road to becoming an entrepreneur, one of the most...

Monday, February 6, 2023

Investors got more excited about international investing late last year. Some of that was chasing better returns, as developed international equities solidly beat the U.S. over the last three months of 2022. Some was the increased...

Thursday, February 2, 2023

For many, spending more quality time with loved ones and friends is a New Year’s resolution or work-life balance goal. But for investors who are accustomed to keeping a close eye on their assets' performance, balancing one's "to...

Monday, January 30, 2023

The script has been flipped in 2023. Last year’s underperformers have turned into outperformers this year, driving the S&P 500 Index up over 5% this month. The pace and composition of the rally have left many investors skeptical...

Thursday, January 26, 2023

Massive computer hacks and data breaches are now common occurrences — an unfortunate consequence of living in a digital world. Once identity thieves have your information, they can use it to gain access to your bank and credit...

Monday, January 23, 2023

The latest episode of the debate between stock market bulls and bears has gotten more interesting. For every valid point from one side, there’s an equally compelling argument on the other side. Perhaps the best reason for the...

Thursday, January 19, 2023

Each year, Presidents' Day is celebrated on the third Monday in February, paying tribute to George Washington, Abraham Lincoln, and the other U.S. presidents who helped create this country and allowed it to thrive.But while the...

Tuesday, January 17, 2023

Fourth quarter earnings season is underway and probably won’t bring much good news. Lackluster global growth, ongoing profit margin pressures from inflation, and negative currency impacts are likely to translate into a...

Thursday, January 12, 2023

Financial wellness is the ability to have a healthy financial life and feel good about your financial situation. Financial wellness doesn't have just one meaning because it can mean something different to each person. Financial...

Monday, January 9, 2023

We believe accountability and modesty are among the keys to success in this business. In striving for those qualities, LPL Research has a tradition of starting off a new year with a lessons learned commentary. We got some things wrong...

Thursday, January 5, 2023

As people begin to age, having worked hard their entire lives and accumulated significant wealth in savings and investments, it becomes very important for many to evaluate strategies for leaving their wealth to loved ones. Luckily,...

Tuesday, January 3, 2023

2022 was a dizzying year as markets and the global economy continued to find itself out of balance due to the still present aftereffects of the COVID-19 pandemic and the policy response to it. If 2022 was about recognizing imbalances...

Tuesday, December 27, 2022

Sometimes we get so caught up taking care of our work, family, and friends that we forget to take care of ourselves. By taking daily mental breaks, you will perform better mentally and physically in your daily responsibilities by...

Monday, December 19, 2022

The Federal Reserve (Fed) wrapped up its last Federal Open Market Committee (FOMC) meeting of the year last week, where it hiked short-term interest rates for the seventh time in as many meetings, taking the fed funds rate to 4.5%...

Wednesday, December 14, 2022

Whether you're a current business owner or a budding entrepreneur burning with the next great idea, one of the most important steps you can take on your road to success is creating a business plan.Why? A well-thought-out and...

Wednesday, December 14, 2022

If the end of the year has you in planning mode, you’re not alone—starting a new year may be a great opportunity for a review and renewal. What steps might you take for next year?Review Asset AllocationsMost investment...

Tuesday, December 13, 2022

The fourth quarter holidays are often seen as one of the prime times to take out your checkbook — not only do many charities put in extra efforts helping others this time of year, but donating is also a smart financial move....

Monday, December 12, 2022

Despite the S&P 500 Index starting December with five consecutive days of losses, we think December is down but not out. December often starts slow but historically has been a strong month. There are also some potentially supportive...

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...

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.