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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.

 

Friday, November 1, 2019

A Common Scenario. A busy 40- to 50-hour work week, kids that need shuttling to and from school and extracurriculars … and a gradually decreasing metabolism. Sound familiar? Young, working couples with no kids may have more time...

 

Tuesday, October 15, 2019

I have seen my share of client-drafted wills. While most people opt to have a lawyer draft their last will and testament, there is no requirement that an attorney do so. If you do opt to draft your own will, make sure to avoid the...

 

Tuesday, October 15, 2019

In a recent survey of 12,000 workers worldwide conducted by the Energy Project, only 50% of respondents found meaning in their jobs (1). Imagine spending 40 hours a week doing meaningless work. It’s soul-sucking, but it...

 

Monday, October 7, 2019

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.

 

Friday, October 4, 2019

 

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Wednesday, September 18, 2019

Daily Insights Fed decision today. The S&P 500 Index set to open relatively flat ahead of the Federal Reserve (Fed) rate decision. The Fed is expected to announce that it is cutting its policy rate by 25 basis points (0.25%) this...

 

Wednesday, September 11, 2019

On this 18th anniversary of 9/11, our thoughts go out to everyone impacted on that fateful day. “The higher the base, the higher in space,” is an old technical analysis saying. Gold is up 18% year-to-date (as of 9/10/2019),...

 

Tuesday, September 10, 2019

Student loan debt presents a serious financial burden to countless members of Gen X and Gen Y. We may be some of the most educated generations in history, but we're still struggling to earn enough money to take care of rising living...

 

Tuesday, September 10, 2019

Most people don’t prepare to invest and that’s a big mistake Waking up early in the morning before the sun is up and heading to the gym comes hard. Once your workout ends, though, you often begin the day with the payoff of...

 

Wednesday, September 4, 2019

U.S. manufacturing contracted in August for the first time since January 2016 as trade uncertainty continued to weigh on the sector. The Institute for Supply Management’s (ISM) manufacturing Purchasing Managers’ Index (PMI)...

 

Wednesday, August 28, 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, August 28, 2019

Today, seniors are the fastest growing segment of the U.S. population. While many baby boomers have outgrown childcare issues, many may already be (or will shortly be) facing the issues of long-term care for their parents. While the...

 

Wednesday, August 28, 2019

Heading into your retirement years brings a slew of new topics to grapple with, and one of the most maddening may be Medicare. Figuring out when to enroll, what to enroll in and what coverage will be best for you can be daunting. To...

 

Wednesday, August 28, 2019

There’s a movement toward redefining money: instead of accumulating money for what it can buy, more of us want to use money to live the best life possible with what we have––a concept known as Return on Life™...

 

Wednesday, August 28, 2019

Caught up in the emotional turmoil that usually accompanies divorce, it is easy to for estranged couples to overlook the serious financial issues that arise as they seek to divide up their assets and establish independent lives. But...

 

Wednesday, August 28, 2019

U.S. consumers are feeling especially empowered these days, despite growing pessimism about the economic outlook. As shown in the LPL Chart of the Day, Consumer Confidence Pushes Through Trade Uncertainty, the Conference Board’s...

 

Thursday, August 22, 2019

Minutes from the Federal Reserve’s (Fed) July meeting, released August 21, show the complexity of policymakers’ discussions leading up to the first rate cut of this economic cycle. Policymakers debated what to do amid...

 

Wednesday, August 14, 2019

As cloud storage becomes more common, data security is an increasing concern. Companies and schools have been increasing their use of services like Google Drive for some time, and lots of individual users also store files on Dropbox,...

 

Wednesday, August 14, 2019

Consider the tangible financial and economic benefits too, not just sunshine You have no doubt seen dozens of lists of places to retire in, but they seldom focus on financial factors, which are important when you live off your savings....

 

Saturday, August 10, 2019

In response to demands from baby boomers, aging-inplace improvements that help seniors stay safely in their homes are more stylish and functional than before. Think of a curved and tiled shower soap dish that also serves as a grab bar....

 

Wednesday, August 7, 2019

We’re a week into August, and trade tensions have been the biggest driver of U.S. stocks, as we predicted in our latest Weekly Market Commentary. Markets don’t like uncertainty, and we are getting a heavy dose of it now.On...

 

Wednesday, August 7, 2019

Dollar cost averaging is a simple investment technique. You invest the same amount of money in shares of a particular stock or mutual fund, for example, each month (or other interval), whether the shares are up or down in price....

 

Tuesday, August 6, 2019

It’s an unfortunate statistic that everyone knows – more than 50% of marriages will end in divorce. But it’s also a statistic that has lost its impact. So, let’s try another tact. Click here to get full article

 

Monday, August 5, 2019

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...

 

Thursday, August 1, 2019

How are you going to get the best, most fulfilling life possible with the money you have once you retire? Study after study has shown that retirees who spend their time and money on experiences are much happier than those who just buy...

 

Wednesday, July 31, 2019

A timeshare is usually too expensive, even if someone gives you one Vacations during the summer months might have you thinking about timeshares for resorts in places like Florida or Mexico. They seem like a fun idea for a winter...

 

Wednesday, July 31, 2019

When you think of the word “insurance,” what comes to your mind? Most people think of certain policies, such as auto, homeowners, health, or life insurance. Although these types of policies may cover your basic needs in...

 

Wednesday, July 31, 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, July 31, 2019

Financial advisers will tell you that the most telling -- and risky -- years of your retirement are the five before you leave the 9-to-5 world, and the five after you have forsaken a steady paycheck and learn to live on Social Security...

 

Wednesday, July 31, 2019

Review this simple checklist for pointers that can help you manage your money. Just do it: A checklist to Manage your Money

 

Wednesday, July 31, 2019

It has been a great year for stocks. As of July 30, 2019, the S&P 500 Index is up more than 20% so far in 2019. To put that in perspective, since WWII only seven years have been up more than 20% by the end of July, with 1997 being the...

 

Tuesday, July 30, 2019

A healthy lifestyle fosters human excellence. It is an integration of the mind, body, and spirit that enables us to continually uncover our potential and strive to achieve all of which we are capable. Healthfulness is a state of...

 

Tuesday, July 16, 2019

Managing the financial aspects of a divorce may be just as important as coping with the emotions. This checklist can help you transition from "ours" to "mine" and "yours." Day-to-day transactions and financial accounts Divide all bank...

 

Tuesday, July 16, 2019

“Does this spark joy?” Millions of people are asking themselves this question about their homes and possessions thanks to Marie Kondo and her wildly popular decluttering philosophy. Once the kids are moved out, it’s...

 

Tuesday, July 16, 2019

Financial planning is more than just a good idea. Research has consistently shown that people who have financial plans -- and who work with financial advisors -- save and invest far more and are nearly twice as likely to feel on track...

 

Tuesday, July 16, 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...

 

Monday, July 15, 2019

Charitable giving can play an important role in many estate plans. Philanthropy cannot only give you great personal satisfaction, it can also give you a current income tax deduction, let you avoid capital gains tax, and reduce the...

 

Wednesday, July 10, 2019

The June jobs report was solid. Nonfarm payrolls rose 224,000, according to data released July 5. As shown in the LPL Chart of the Day, Strong June Payrolls Gain Surprises Investors, the rise in jobs last month handily beat estimates...

 

Tuesday, July 9, 2019

While millennial women are breaking cultural norms and diving into entrepreneurship headfirst, baby boomers are often more reluctant to take the risks of their younger colleagues. In fact, on a whole, women invest 40 percent less[1]...

 

Wednesday, July 3, 2019

The 10-year Treasury yield has been flirting with dipping below 2% throughout the later half of June and into the start of July. As our LPL Chart of the Day, Will Trade Truce Help 2% 10-Year Treasury Yield Hold?, shows, the yield has...

 

Tuesday, July 2, 2019

You were having a great time on your vacation--until your toddler woke up from her nap with a fever. If you were at home, you'd take her to the pediatrician right away and rely on your health insurance to pay for her care. But what do...

 

Friday, June 28, 2019

Tip: How Old Are You? Age can makes a difference in the cost of a long-term care policy. Generally, the older you are when you purchase a policy, the higher you can expect the premiums to be. Source: U.S. Department of Health and Human...

 

Wednesday, June 26, 2019

Policy gets a lot of real estate in our just-released Midyear Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets. It’s no coincidence that policy is chapter one because it’s such a big part of the...

 

Tuesday, June 25, 2019

We are pleased to announce the release of the LPL Research Midyear Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets, with investment insights and market guidance through the end of 2019. LPL Research...

 

Thursday, June 20, 2019

A healthy lifestyle fosters human excellence. It is an integration of the mind, body, and spirit that enables us to continually uncover our potential and strive to achieve all of which we are capable. Healthfulness is a state of...

 

Wednesday, June 19, 2019

U.S. stocks could have a big year if LPL Research’s forecasts prove correct. All year, we’ve maintained our fair value target on the S&P 500 Index of 3,000, implying that we expect this bull market and economic expansion to...

 

Wednesday, June 12, 2019

Business confidence surged in May despite renewed uncertainty in the U.S.-China trade dispute. As shown in the LPL Chart of the Day, “Business Optimism Surges Despite Trade Uncertainty,” the National Federation of...

 

Tuesday, June 11, 2019

Breath is life. Life is breath. The yoga sages of India have embraced this link for centuries, where conscious breathing has long been an integral part of daily life. More recently, Western researchers have also begun to acknowledge...

 

Thursday, June 6, 2019

What recent graduates (and their parents) need to think about Spring is here, summer weather has begun (in many places), and graduation time has arrived. Across the country, students are finishing their high school, college, and even...

 

Wednesday, June 5, 2019

The S&P 500 Index has closed lower four consecutive weeks, its longest weekly losing streak since October 2014. The S&P 500 has closed down five weeks in a row only once since the bull market started in March 2009—a six-week...

 

Friday, May 31, 2019

The latest research suggests that divorce rates in the U.S. have been falling in recent decades. Still, many people face the difficult crossroads that comes when their marriage ends.1 Getting a divorce is a painful, emotional process....

 

Friday, May 31, 2019

Going through a divorce can be a difficult experience both emotionally and financially. If you are divorced, you are not alone: approximately 40 to 50 percent of marriages in the United States end in divorce.[1] While transitioning...

 

Wednesday, May 29, 2019

With the bull market 10 years old and the economic cycle about to reach 10 years, the big question is how much longer can it go? To answer this question we will take a closer look at our Five Forecasters for late-cycle warnings....

 

Wednesday, May 29, 2019

Parents looking to take advantage of the many benefits of a 529 plan will want to know the full details on which educational expenses qualify for tax-free distribution status -- and which do not.1 In Publication 970, the IRS gives...

 

Wednesday, May 22, 2019

The S&P 500 Index has officially gained each of the first four months of the year for the first time since 2013. This comes on the heels of the best first quarter since 1998. Six straight months in green has been the best monthly win...

 

Thursday, May 16, 2019

One of the main things I hear from friends and clients these days is about moving away from Illinois because of all of the taxes. Income taxes, property taxes (ouch!), sales taxes. They certainly seem to take a big bite out of our...

 

Wednesday, May 15, 2019

The recent bout of volatility has caught many investors off guard. However, we’ve been saying since late March that some type of normal correction could happen, and we’ve taken a more cautious stance. This was one of the...

 

Thursday, May 9, 2019

The end of a marriage is also the beginning of a new financial life. Reconsidering your financial arrangements -- whether or not your income will be reduced -- should be a priority as you adjust to your new circumstances. Some of the...

 

Wednesday, May 8, 2019

Trade tensions have flared up again, and they’ve caught the stock market off guard. The S&P 500 Index has dropped 2.1% over the past two days amid a slew of trade-related headlines. On May 6, the United States announced it would...

 

Wednesday, May 1, 2019

One of the most popular investment axioms is about to take over the airwaves: “Sell in May and Go Away.” That’s because the upcoming six months(from May until the end of October) have historically been the weakest...

 

Wednesday, April 24, 2019

The wait is over. After more than seven months, the S&P 500 Index notched a fresh all-time closing high of 2,933.68 on April 23. To get here, investors have weathered back-and-forth in trade negotiations, a historic government shutdown...

 

Wednesday, April 24, 2019

Why, day in and day out, do you do the things that you do? Because you have to? Because you want to? Because you’ve had the same routine for years and you’re used to it? If you feel like your life is something that just...

 

Tuesday, April 23, 2019

“This generation got no destination to hold...We are volunteers of America”“Volunteers” by Jefferson Airplane¹ Those of a certain age will recall these Jefferson Airplane lyrics as a call to action, though...

 

Thursday, April 18, 2019

Going through a divorce can be a difficult experience both emotionally and financially. If you are divorced, you are not alone: approximately 40 to 50 percent of marriages in the United States end in divorce.[1] While transitioning...

 

Wednesday, April 17, 2019

After such a strong rally this year, you may be wondering what could drive stocks higher from here. With the S&P 500 Index near its all-time high, a lot of good news could be priced in to stocks. At the same time, disappointments could...

 

Friday, April 12, 2019

You might notice a trend in the Financial Advisor space that there is a movement to create a Niche of advising women. We are all told what a “big market” it is and that women will be controlling the majority of wealth....

 

Wednesday, April 10, 2019

After the best first quarter for the S&P 500 Index since 1998, the big question is: What happens next? We’ve already discussed why a good start to a year could lead to more gains (here and here), but today we will take a look at...

 

Wednesday, April 3, 2019

What a start to 2019! The S&P 500 Index had its best first quarter since 1998—gaining 13.1%. Taking a deeper look at the data reveals another rare occurrence: The S&P 500 was higher each of the first three months of the year for...

 

Tuesday, April 2, 2019

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, April 1, 2019

This modern twist on the Ben Franklin maxim reflects the multiplicity of taxes to which earnings are subject in today’s world.¹ Finding ways to manage expenses is one of the cornerstones of a sound financial strategy. Here...

 

Friday, March 29, 2019

An important part of managing your personal finances is keeping your financial records organized. Whether it's a utility bill to show proof of residency or a Social Security card for wage reporting purposes, there may be times when you...

 

Thursday, March 28, 2019

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...

 

Wednesday, March 27, 2019

The Conference Board’s Leading Economic Index (LEI) is one of our favorite economic indicators. It is designed to predict future movements in the economy based on a composite of 10 economic indicators (like manufacturers’...

 

Tuesday, March 26, 2019

Divorce does screwy things to a person's head. The once intelligent and together woman that you were turns into an emotional, brain-fogged, unorganized basket case. You try really, really hard to keep it together but you know this will...

 

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...

 

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.

 

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...