Broker Check

Blog

What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

 

Thursday, March 21, 2019

As we get firmly settled into this new Millennium, one trend has firmly settled in with us: Baby Boomers divorcing at double the rate from the late 20th Century. As our life expectancies continue to increase, our attitudes about...

 

Wednesday, March 20, 2019

After dropping nearly 20% late last year, the S&P 500 Index has officially bounced up more than 20% from the December 24 lows. As we noted at the time, most bear markets that take place in a non-recessionary environment tend to bottom...

 

Tuesday, March 19, 2019

Long-term care refers to a broad range of medical and personal services designed to assist people who've lost their ability to function independently. If you're thinking of buying long-term care insurance (LTCI), you'll want to make...

 

Friday, March 15, 2019

Divorce can be “taxing” enough, but need not be made more difficult by the mismanagement of the division of assets in a retirement plan. As more Americans participate in 401(k) plans and other defined contribution...

 

Tuesday, March 12, 2019

Your credit report contains information about your past and present credit transactions. It's used primarily by potential lenders to evaluate your creditworthiness. So if you're about to apply for credit, especially for something...

 

Show All

Friday, March 8, 2019

The business landscape is continually changing—technological advances, corporate downsizing, restructuring, and telecommuting have reshaped the marketplace.­ Although these improvements and modifications have a great impact...

 

Wednesday, March 6, 2019

U.S. stocks’ recent momentum has been historically impressive by many measures, and the Nasdaq Composite Index notched another milestone last week. The Nasdaq has risen for the past 10 weeks, its longest winning streak in 19...

 

Thursday, February 28, 2019

Even in a seller's market, selling a home can be a difficult task. As a result, you'll want to do your homework ahead of time to ensure that you will be able to sell your home quickly and at the best possible price. Timing is...

 

Wednesday, February 27, 2019

After gaining 7.8% in January, the S&P 500 Index has added another 3.3% so far in February for a grand total year-to-date return of 11.4%. With two days to go, currently this is the best first two months of the year since 1987. As we...

 

Tuesday, February 26, 2019

How much do you really know about your employer-sponsored retirement savings plan? If you're like many people, you have many ideas about how your plan works, which may or may not be entirely accurate. To gauge your knowledge, take...

 

Thursday, February 21, 2019

We hear over and over again how important it is to maintain a healthy lifestyle. But being healthy for its own sake isn’t easy — especially when you’re facing down temptation or battling procrastination. For some, the...

 

Wednesday, February 20, 2019

Economic growth could be lower than we initially expected this year, which could weigh on long-term rates. We’ve seen enough evidence recently to think 2019 gross domestic product (GDP) growth is likely to be closer to 2.5%, the...

 

Tuesday, February 19, 2019

If you give away money or property during your life, those transfers may be subject to federal gift and estate tax and perhaps state gift tax. The money and property you own when you die (i.e., your estate) may also be subject to...

 

Friday, February 15, 2019

1. What is long-term care? Long-term care refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. There are three levels of long-term care: Skilled care: Generally...

 

Thursday, February 14, 2019

Facebook, Twitter, LinkedIn—they’ve all fallen prey to hackers who exposed passwords and other personal information for hundreds of thousands of their users. If you haven’t yet had your password stolen, chances are,...

 

Wednesday, February 13, 2019

“Bulls make money, bears make money, and pigs get slaughtered.” Old Wall Street saying. The Chinese New Year (often called the Lunar New Year) kicked off Tuesday, February 5, and with it came the Year of the Pig. Although...

 

Tuesday, February 12, 2019

The cost of a membership to your local fitness center can be pricey, especially if you are looking for a modern facility with a wide selection of the most current equipment. But there are ways to improve your physical fitness without...

 

Wednesday, February 6, 2019

Diversified investors just capped one of their best months of the current economic cycle. In January, the S&P 500 Index posted its biggest monthly gain since October 2015. At the same time, the Bloomberg Barclays Aggregate Bond Index...

 

Tuesday, February 5, 2019

Risk management is a key component in any successful business plan. In today's world — where data breaches are common occurrences — it's especially important for business owners to understand the digital risks they face....

 

Wednesday, January 30, 2019

The Super Bowl indicator suggests that stocks rise for the full year when the Super Bowl winner comes from the original National Football League (now the NFC), but when an original American Football League (now the AFC) team wins,...

 

Tuesday, January 29, 2019

Most Americans know the fundamentals of good health: exercise, proper diet, sufficient sleep, regular check-ups, and no smoking or excessive alcohol. Yet, despite this knowledge, changing existing behaviors can be difficult. Look no...

 

Thursday, January 24, 2019

Sometimes in life, things don’t work out as planned. One of the most trying examples is when a couple decides they can’t make their marriage work and, subsequently, files for divorce. Divorce can take a significant...

 

Tuesday, January 22, 2019

The baby boomers have re-defined everything they’ve touched, from music to marriage to parenting and, more lately, to what “old” means—60 is the new 50! Longer, healthier living, however, can put greater stress...

 

Friday, January 18, 2019

You might view divorce as a series of distinct steps: filing the paperwork, negotiating with your ex, getting a settlement and reaching the end of your marriage. Yet still more work – sometimes lots of it – remains after...

 

Wednesday, January 16, 2019

Yesterday’s U.K. Parliament vote was another bump in the road for Brexit. As shown in the LPL Chart of the Day, the British pound and the euro have steadily declined over the past few months, weighed down in large part by...

 

Tuesday, January 15, 2019

Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach? It may sound counter intuitive, but it may be possible to have too much of a good thing. Over time,...

 

Thursday, January 10, 2019

No matter how much money you make, completely mastering money early on in life can help you potentially achieve what everyone wants: a financially comfortable today and a financially secure tomorrow. Mastering money in our society can...

 

Thursday, January 10, 2019

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...

 

Wednesday, January 9, 2019

Stocks have rebounded strongly off the December lows, with the S&P 500 Index adding 2% in January to its 7% gain over the last week of 2018. We see potential for further gains ahead given the fundamentals supporting economic growth and...

 

Thursday, January 3, 2019

Divorce can be a lengthy process that may strain your finances and leave you feeling out of control. But with the right preparation, you can protect your interests, take charge of your future, and save yourself time and money. You...

 

Wednesday, January 2, 2019

Recent Federal Reserve (Fed) rhetoric has spooked financial markets, especially as uncertainty has clouded investors’ horizons. But we still believe the fundamental U.S. economic landscape is compelling, and despite market...

 

Friday, December 28, 2018

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what...

 

Friday, December 28, 2018

On Monday, the S&P 500 Index came about as close as possible to the technical definition of a bear market without officially registering one (defined as a 20% or larger decline based on closing prices). Enduring these sharp declines...

 

Thursday, December 27, 2018

There's no doubt about it — going through a divorce can be an emotionally trying time. Ironing out a divorce settlement, attending various court hearings, and dealing with competing attorneys can all weigh heavily on the parties...

 

Wednesday, December 26, 2018

S&P 500 Index Reaches Bear Market on an Intra-Day Basis. While the S&P 500 Index is technically not in a bear market by the most widely used definition (20% or more decline based on closing prices), it is important to recognize that...

 

Friday, December 21, 2018

In 2017, the U.S. had a record 11.5 million millionaires, up from 10.8 million in the previous year. An increase in personal wealth may bring greater financial flexibility; it may also bring greater liability. Individuals with high net...

 

Thursday, December 20, 2018

What makes for a great family vacation? Should it include learning as well as leisure? Thinking about that next family trip? If you are mulling over how to make your next one great, consider these questions and factors. Should...

 

Wednesday, December 19, 2018

So far it’s been rough for stocks in December, a month that has historically been bullish. How bad has it been? After 10 trading days, we’re off to the worst start to December since 1980! In fact, the S&P 500 Index is...

 

Tuesday, December 18, 2018

Men and women may not be on equal footing when it comes to investing for the future. On average, women work fewer years and earn less than men, but they also tend to live longer.1 Therefore, women must focus on the concerns that are...

 

Monday, December 17, 2018

We are pleased to announce the release of the LPL Research Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets, filled with investment insights and market guidance for the year ahead. After nearly 10 years of...

 

Friday, December 14, 2018

When it comes to estate planning, women have unique concerns. The fact is that women live an average of 5.0 years longer than men.* That's important because it means that there's a greater chance that you'll need your assets to last...

 

Thursday, December 13, 2018

So, you're thinking of going into business for yourself. You have several options available, and all involve some degree of risk. Do you want to create a start-up operation? Perhaps you are planning on buying an existing business. Or,...

 

Wednesday, December 12, 2018

Last week was a tough week for stocks, with the S&P 500 Index down 4.5%, the worst performance since March. So what are some things investors should consider? To help answer that question, here are five takeaways on the near-term...

 

Tuesday, December 11, 2018

The gap between setting goals and achieving them can be difficult to bridge. To enhance the chances of achieving personal goals, reminders and motivation are essential; making a New Year’s resolution is simply not enough. A...

 

Monday, December 10, 2018

Purchasing homeowner’s insurance is not only critical for protecting your home and personal property against any potential liability; if you have a mortgage, your lender will require it. What’s Covered A homeowner’s...

 

Wednesday, December 5, 2018

From everyone at LPL Research, we first want to offer our thoughts to former President George H.W. Bush’s family. Most of his life was lived in service to the United States, and he will be greatly missed. Turning to markets, the...

 

Friday, November 30, 2018

According to the National Association of Women Business Owners, there are 9.4 million women-owned businesses, employing nearly 8 million people and generating $1.5 trillion in sales in 2015.1 Many of these businesses started small,...

 

Tuesday, November 27, 2018

Tip: Importance of Itemizing. Charitable contributions are deductible only if you itemize deductions on Form 1040, Schedule A. Those who take the standard deduction cannot deduct their contributions. Internal Revenue Service, 2017...

 

Tuesday, October 16, 2018

Click here to get LPL Research Economic Update,October 8, 2018

 

Tuesday, October 16, 2018

Click Here

 

Wednesday, September 19, 2018

A planning topic we are working on with clients with right now is Health Savings Accounts (HSA) and the best strategies for using them. In short, an HSA is an account you can use if you have a high deductible Health Insurance Plan. The...

 

Wednesday, September 12, 2018

With High School starting soon, many Seniors will be starting their college applications and targeting schools. My experience from meeting with my clients is that many parents are not giving their children clear guidance on what type...

 

Tuesday, September 11, 2018

Click to see Full Article Source: https://blogs.wsj.com/moneybeat/2018/08/03/how-your-brokers-can-make-10-times-more-on-your-cash-than-you-do/

 

Wednesday, August 8, 2018

Click here to go to article

 

Wednesday, August 8, 2018

For those who have been with Aspire for over five years, you may have noticed a change in your portfolio from using primarily Mutual Funds to using more ETF investments in the portfolios. You may have wondered why that is but have not...

 

Wednesday, July 18, 2018

The LPL Research Outlook 2018: Return of the Business Cycle highlights the opportunities and potentialchallenges that may lie ahead for market participants as we get back to the traditional drivers that we’dexpect to push the...

 

Wednesday, July 18, 2018

When we do financial planning for our clients, we use 2 key assumptions. An inflation rate and a rate of return on their investments. The difference between the 2 is called the Real Rate of Return. For example, if the market return is...

 

Monday, June 11, 2018

In our practice, we like to focus on cash flow when we do financial planning with our clients. My belief is that when you know where you spend your money, you are able to make choices that will give you more value in your life....

 

Wednesday, June 6, 2018

Lately I have been getting questions regarding “Bitcoin” and Block Chain Technology as well as the future investment implications. While I am still learning in this area, LPL Research has recently published an interesting...

 

Monday, April 30, 2018

Click Here for 2018 Tax Change Summary

 

Wednesday, April 25, 2018

Years ago, I had the privilege of teaching 2 classes created by Money Savvy Generation. One class was targeted towards grades 2-3 and the other was for teenagers. I taught these classes in a local school as well as through our park...

 

Tuesday, April 24, 2018

Myths abound, especially relating to investments and the stock market. LPL Research presents their take on 3 common myths and how they are currently related to this market and economy. Link to article

 

Monday, April 9, 2018

This month many families are evaluating colleges for their high School seniors. A major part of the decision will be what type of financial aid they receive from each school. My daughter is also a senior so we are in the same place. I...

 

Tuesday, March 27, 2018

Stock Market's Final Four Factors

 

Monday, February 26, 2018

To keep you up to speed on market dynamics and what is happening with recent market volatility, check out the recent article from LPL Research. Click here for article.

 

Wednesday, February 7, 2018

 

Monday, October 30, 2017

I am sure it is with mixed emotions that your divorce is final. While you need to start moving towards your new life, there are still some lingering things that you will need to complete. The following are some of the key actions you...

 

Monday, October 30, 2017

Divorce is not something you plan for, but when you are considering it, you do need to do some planning. Here are five things you should get ready if you are thinking about divorce. Gather your financial documents. Especially if you...

 

Monday, October 30, 2017

Divorce is typically very costly for a couple. College is one area however where the family may come out ahead if planned properly. Through both tax savings and a higher calculated financial need, divorce may help the family unit....

 

Wednesday, October 11, 2017

Click here to get the 2017 Third Quarter Market Review

 

Thursday, October 5, 2017

If you work for a larger company, benefits are often a big perk but one I see not being maximized very well. Since now is the time that you will start making elections, the following are the top 7 things to consider when picking your...

 

Wednesday, October 4, 2017

Just this week, I have seen two Go Fund Me requests for an unexpected Death. As a mom, woman, and a citizen, I am sad when I see Go Fund Me requests. I am usually compassionate about the subject, and often feel compelled to give. What...

 

Wednesday, September 27, 2017

The Retirement Environment Index is designed to grade and rank states on their preparedness and desirability fo the pre-retirees. LPL Research Retirement Environment Index

 

Tuesday, September 12, 2017

Last week, one of the big four credit reporting agencies, Equifax, announced it experienced a security breach resulting in criminals accessing personal information of approximately 143 million Americans between May and July of this...

 

Thursday, August 31, 2017

Our children are heading off to college. Besides being shocked at our tuition bill, we should be feeling such excitement. So how come we aren’t? Because transition is hard. Transition often creates a form of grief. We are missing...

 

Wednesday, August 30, 2017

I have the privilege of working with clients who have made smart financial choices and are at the point in their life where they can stop working. However, one of the biggest problems that I see for them is the transition from being a...

 

Tuesday, August 22, 2017

Have a high school student? If so, you are likely starting to think about how you will fund the upcoming college costs. Taking on too much debt for your student or sacrificing your retirement funding is not a great strategy. No matter...

 

Tuesday, August 15, 2017

I am not a college planner. However, planning for paying for college is a big part of what we do for our clients. Strategizing on the right college and knowing how income and assets are applied in the Federal formulas is something we...

 

Tuesday, May 16, 2017

A mom is a child's first financial advisor. Tips given by moms can influence a child's spending and savings habits for life.

 

Monday, April 24, 2017

As part of Financial Literacy month, I thought I would give some insight on saving for Financial goals. These are recommendations that I often will use with my clients who are saving for their goals.

 

Thursday, April 13, 2017

Defining our wants from needs is a great starting point. A Need is something that you need for basic living such as Housing, transportation, food and Insurance. A want is something that makes our basic living better.

 

Monday, February 13, 2017

Tax season may just be getting started, but tax scammers have been hard at work. In fact, the Federal Trade Commission (FTC) has gotten thousands of complaints about one kind of scammer in particular — IRS imposters. Here’s...

 

Thursday, February 2, 2017

This week is Tax Identity Theft Awareness Week. Tax identity theft happens when someone files a phony tax return using your personal information — like your Social Security number — to get a tax refund from the IRS. It...

 

Monday, January 23, 2017

As I write this, we are almost three weeks into the new year. Gym attendance has slowed, a few more drinks are being consumed, and chocolate has creeped back into our diets. Sound like you?? As we all know, resolutions are terrible...

 

Thursday, December 29, 2016

According to Epicurious.com, superstition often guides meal choices during New Year’s celebrations. Some foods are believed to bring good luck, while others are avoided for fear of negative consequences. Tradition suggests that...

 

Tuesday, December 27, 2016

I have a bit of a weird obsession. Towards the end of the year, I love spending time with my Quicken account. Download, organize, categorize. I like to know where my money went for the year and I like to think about where it might go...

 

Wednesday, September 21, 2016

On my morning swim today, the ripple in the water made me reflect on the ripple effect of the actions we take. Taken by choice or forced upon us, we never really know the impact we have on others. We lost our son 7 years ago to cancer....

 

Monday, July 18, 2016

As we embark on the second half of 2016, the headlines and much of our attention will be focused on the 2016 presidential election, which can distract us with the barrage of promises and heightened political drama. Against that...

 

Tuesday, July 12, 2016

Recently, I have been wondering how anyone would get my emergency contact information if something bad were to happen to me. When I bike, I sometimes take my license. When I run, I know I should have an ID on me but I often don’t...

 

Tuesday, June 28, 2016

After years of saving, I will be making our first college tuition payment this year as our son heads off to college. What a strange feeling, not only that he will be gone but that something you have been working towards for so long is...

 

Tuesday, June 14, 2016

Throughout history, fathers have been depicted as leaders, protectors, and providers. They are rarely portrayed as nurturers—that role has belonged to mothers. But, as we know, popular history doesn’t always reflect the...

 

Thursday, June 9, 2016

How Money Savvy is your recent College Graduate? Here’s some Financial Tips that you can pass on to a recent college graduate to put them on the path to financial success.

 

Tuesday, May 17, 2016

My final post for Moms this May is for Moms to take care of themselves. Mom - Have you considered doing a Crisis Check- up. Three (SSDT) Single, Simple, Doable Things® for each mother to do.

 

Tuesday, May 10, 2016

Every Mother’s day, we are always faced with the challenge of what to give our moms for a gift. Here are my suggestions of things you can do as a gift to boost her financial independence.

 

Tuesday, May 3, 2016

Successful relationships require shared values and goals when it comes to managing your money. Here, I share seven money strategies for a successful marriage.

 

Thursday, March 31, 2016

College students have steep learning curves. In high school, they were tasked with doing well academically, participating in extracurricular activities, complying with the rules of their parents’ homes and, possibly, having a job...