Generally speaking, investing today in your retirement plan will typically include these asset classes: Cash or Cash Equivalents, Bonds or Fixed Income, and Stocks or Equities. Each posses a different risk/return profile with stocks being the highest risk/expected return and Cash being the least amount risk/expected return...

Understanding risk is a key part of the investment planning process. A smart investor needs to fully comprehend how risk is measurend and its potential ramifications...

How well do you plan for investing? Do you feel good about your ability to properly design and manage your investments?..

How many of you feel you manage your debt well?..

Don't forget about inflation in your budgeting. It diminishes the real value of money over time...

Poor money management can lead to debt, stress and depencancy on others. Fortunately, good money management skills can make it easier for yo to accomplish your personal goals. We hope you enjoy our next video focusing on Personal Finance...

Part 2 of our ongoing Learning Lab videos. Continuing our understanding of Personal Finance, and today we concentrate on Managing Your Finances...

The first in our series on Personal Finances where we discuss taxes...

This will be the first of a 3 part series on Medicare...

Since the pandemic hit, the labor force of the U.S. has shrunk more than expected, in a cultural phenomenon known as The Great Resignation...

Long-term investors continue to buy in to the market despite recent uncertainty. This week, we explain the optimistic outlook many investors have for the markets in 2022.  ..

If you are like most people, you probably wouldn’t feel comfortable performing surgery to remove your spouse’s appendix. You probably would not fix the brakes on the family car. You probably would not risk tutoring your child to prepare for the SATs. So why do people think they can create their own financial plan to make their money last the rest of their lives? As an independent professional, it’s troubling to see consumers sold on believi..

  Crushing expectations, the Bureau of Labor Statistics (BLS) reported Friday morning that employers created 476,000 new jobs in January. The unemployment rate ticked up slightly, to 4%, still very low by historical measure.   The number to watch, however, is the labor participation rate, which edged upward by three-tenths of 1% last month, according to BLS. Since the pandemic hit, the labor force of the U.S. has shrunk more than e..

The federal exemption from gift and estate taxes doubled from $5.5 million in 2017 to a whopping $11.2 million in 2018! and under current law, the exemption has been continuing to rise annually...

New rules just released in IRS Notice 2022-6 sharply hike distribution amounts permitted from qualified plans before age 59½. The new rules will allow many more individuals to take substantially equal periodic payments (SEPPs) from their IRAs or 401(k)s in their 50s. With The Great Resignation under way, this is one of the most important personal financial planning strategies of 2022. A search on Google for “Notice 2022-6” earlier today yiel..

How do financial planners evaluate whether you are on track to meet your financial goals?..

Is the market correction done? The Standard & Poor’s 500 stock index had closed yesterday 10% lower than its all-time high of Jan. 3, officially meeting the definition of a “market correction.”  Today it rebounded sharply, by 2.4%. The correction could be over. No one can predict the stock market’s next move, up or down. Investor sentiment almost always is capable of swinging stock prices 10% at almost any moment. Eventually, fun..

The slow shift in U.S. central bank policy lurched ahead today. Compared to its highly accommodative policy during the peak of the Covid pandemic, a significantly less accommodative stance was outlined by Federal Reserve Bank Chairman Jerome Powell today at a 55-minute press conference, broadcast live on YouTube, in which Mr. Powell answered reporters’ questions.   The Federal Reserve began shifting to a less accommodative stance in N..

Interest rates are rising. What does that mean for your money?..

State of the Markets Covid continues to be the largest threat to our economic growth, especially as the differing variants progress through the population. Last quarter, we were negatively impacted by the Delta variant, and now we are reckoning with the effects of Omicron. While this variant is much more contagious, it seems to be less virulent. Some medical experts agree this is how a viral pandemic ends – millions get infected by a much less ..