Blog

What’s on our mind? You can read about it in our blog. Whether it’s ideas from the investment world or concepts from the financial industry, 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.

Monday, November 30, 2020

Managing Money as a Couple What are the keys to prepare to grow wealthy together? Provided by Jamie Hansman When you marry or simply share a household with someone, your financial life changes—and your approach to managing your...

Friday, November 27, 2020

Robo-Advisors vs. Human Financial Professionals If an investor chooses a non-human financial advisor, what price could they end up paying? Provided by Jamie Hansman Investors have a choice today that they did not have a decade ago....

Wednesday, November 25, 2020

Your Year-End Financial Checklist Aspects of your financial life to review as the year draws to a close. Provided by Jamie Hansman The end of the year can help remind us of last-minute things we need to address and the goals we want to...

Monday, November 23, 2020

2021 Limits for IRAs, 401(k)s and More Numbers to know for the new year. Provided by Jamie Hansman On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings. Although these adjustments...

Friday, November 20, 2020

Managing Drug Costs How can households meet the challenge? Provided by Jamie Hansman Are prescription drug costs burdening your finances? Some people find it a challenge to manage the cost of prescription drugs. Americans pay an...

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Wednesday, November 18, 2020

Year-End Estate Strategies What you need to know to get ready for the end of the year. Provided by Jamie Hansman With one year ending and a new one on the cusp of starting, many people will consider their resolutions—not their...

Monday, November 16, 2020

Election 2020 Wall Street reacts to a potentially divided government. Provided by Jamie Hansman After many weeks of telegraphing a long and careful ballot count, this week’s election lived up to that prediction in races for the...

Friday, November 13, 2020

Election 2020: Biden’s Policy Initiatives Potential proposals and their legislative requirements. Provided by Jamie Hansman Now that several major news groups have projected Joe Biden the winner of the presidential...

Wednesday, November 11, 2020

The Social Security Administration Announces 2021 COLA What you should know about the most recent cost-of-living adjustment. Provided by Jamie Hansman On October 13, 2020, the Social Security Administration (SSA) officially announced...

Monday, November 9, 2020

How Medigap Choices Have Changed What you need to know about Plan F and Plan G. Provided by Jamie Hansman As many may recall, seniors who previously enrolled in Medicare are facing some changes. Medigap Plan F might not be sold after...

Friday, November 6, 2020

End-of-the-Year Money Moves Here are some things you might consider before saying goodbye to 2020. Provided by Jamie Hansman What has changed for you in 2020? For many, this year has been as complicated as learning a new dance. Did you...

Wednesday, November 4, 2020

Mergers, Acquisitions, & the Markets There’s been a drop in activity. What’s next? Provided by Jamie Hansman There hasn’t been much merger and acquisition activity through 2020. This diminished activity comes despite...

Monday, November 2, 2020

Election 2020: Economic Issues in the Crosshairs Here’s what you need to know. Provided by Jamie Hansman It should come as no surprise to hear the economy is the top issue for voters in the 2020 election. Nearly 8 in ten voters...

Friday, October 30, 2020

Election 2020 A Dose of Patience. Provided by Jamie Hansman The upcoming election is prompting some people to reconsider their investment strategy. In fact, 45% of consumers with $100,000 or more investable assets expect to make...

Wednesday, October 28, 2020

Election 2020 Managing Your Emotions. Provided by «representativename» 45% of consumers with $100,000 or more investable assets expect to make changes to their investments due to the upcoming 2020 presidential election.1 No...

Monday, October 26, 2020

October Is Financial Planning Month Six areas of personal finance to review. Provided by Jamie Hansman When training to become a financial professional, much of our course work centers on the six critical areas of creating a financial...

Friday, October 23, 2020

FAFSA Applications Are Now Open Federal Student Aid opportunities are often first-come, first-served. Provided by Jamie Hansman Applications for the Free Application for Federal Student Aid (FAFSA) are now open for the academic year...

Wednesday, October 21, 2020

Ouch: September’s Market Correction Hurt Here’s what you need to know. Provided by Jamie Hansman In theory, investors understand that stock market corrections are part of the investing process. But experiencing a...

Monday, October 19, 2020

Home Improvements Trending Higher More time at home, more home improvements Provided by Jamie Hansman Due to COVID-19, Americans are spending more time at home than ever before, leading to a record amount of spending on home...

Friday, October 16, 2020

Annual Financial To-Do List Things you can do for your future as the year unfolds. Provided by Jamie Hansman What financial, business, or life priorities do you need to address for the coming year? Now is an excellent time to think...

Wednesday, October 14, 2020

Budgeting for Beginners Getting started with you household budget. Provided by Jamie Hansman Budgeting towards needs and goals. One of the objectives of creating a household budget is that, as time moves on and the various household...

Monday, October 12, 2020

Election 2020 Preparing for Any Outcome. Provided by Jamie Hansman As the U.S. presidential election draws near, expect to see more and more headlines that propose, "What will happen next if this person is elected?" or, "What policy...

Friday, October 9, 2020

Race for a Vaccine Here’s what you need to know. Provided by Jamie Hansman A U.S. drug company recently said that it’s in late-stage trials for its coronavirus vaccine and reported that it could be given to Americans as...

Wednesday, October 7, 2020

Extraordinary Times Mean Extra Federal Debt Federal borrowing has increased due to the coronavirus pandemic. Provided by Jamie Hansman America’s debt is now nearly as large as its economy. On September 2, the Congressional Budget...

Monday, October 5, 2020

Football Is Back America is “ready for football,” while financial professionals are ready for volatility. Provided by Jamie Hansman Football is back, which means Summer is coming to a close, days will get shorter, and...

Friday, October 2, 2020

When the Fed Talks Inflation, Bond Investors Listen What the Fed’s new policy may mean for you. Provided by Jamie Hansman Most recently, you may have read that Federal Reserve Chair Jerome Powell announced a change in how the Fed...

Wednesday, September 30, 2020

Home Builders Confident In Economic Rebound Here’s what you need to know about the housing market. Provided by Jamie Hansman To some, this may hardly feel like an economy headed for a bright future. But don’t tell that to...

Monday, September 28, 2020

Dow 30 Changes Its Starting Lineup What you should know about the change. Provided by Jamie Hansman The Dow Jones Industrial Average (DJIA), one of the most widely followed stock market indices, has made some key changes to its...

Friday, September 25, 2020

Conquering Retirement Challenges for Women Looking ahead can help you conquer these unique obstacles. Provided by Jamie Hansman When it comes to retirement, some women face obstacles that can make saving for retirement a challenge....

Wednesday, September 23, 2020

Why Roth IRA Conversions May Now Be Advantageous Thanks to a couple of factors, some investors are thinking about this move before 2020 ends. Provided by Jamie Hansman Roth IRAs have attracted retirement savers since their introduction...

Monday, September 21, 2020

Has the Stock Market Rally Left You Behind? Here’s what the recent rally could mean for you. Provided by Jamie Hansman Some people in recent weeks may have been feeling that “the stock market seems to be doing so well but...

Friday, September 18, 2020

Tax & Estate Strategies Update for Married LGBTQ+ Couples In this age of marriage equality, there are new possibilities. Provided by Jamie Hansman The 2015 Obergefell v. Hodges Supreme Court decision streamlined tax and estate...

Wednesday, September 16, 2020

Why Medicare Should Be Part of Your Retirement Strategy The premiums and coverages vary, and you must realize the differences. Provided by Jamie Hansman Medicare takes a little time to understand. As you approach age 65, familiarize...

Monday, September 14, 2020

Is Inflation On The Rise? What to keep in mind regarding the recent CPI numbers.. Provided by Jamie Hansman Right now, many Americans are worried about their financial health due to the impact COVID-19 has had on the country. Adding to...

Friday, September 11, 2020

Get Your FAFSA Ready The application window for federal student loans opens on October 1. Provided by Jamie Hansman Mark this date on your calendar: October 1. That is the day when current and future traditional college students can...

Wednesday, September 9, 2020

Taxable Events in Retirement Accounts What triggers a tax liability for an individual or a trust? Provided by Jamie Hansman When you distribute, sell, or receive assets from a retirement account, taxes usually follow. It is true for...

Monday, September 7, 2020

Superior Customer Service Why is it so rare? How can we make it the norm? Provided by Jamie Hansman The customer experience is one of the keys to business success. In some industries, it can mean the difference between success and...

Friday, September 4, 2020

Why Regular Rebalancing Makes Sense Your investment portfolio may be off-kilter, and you may not even know it. Provided by Jamie Hansman Everyone loves a winner. If an investment is successful, most people naturally want to stick with...

Wednesday, September 2, 2020

What Are Stock Splits? Here’s what you need to know. Provided by Peter Livingston Two high-profile companies—Apple and Tesla—have announced stock splits in the past few weeks, which makes it a great time to discuss...

Monday, August 31, 2020

How Much Money Will You Need for Retirement? It depends on your goals, time horizon, and risk tolerance. Provided by Jamie Hansman "Will I outlive my retirement money?" That's one of the top fears for people who are starting to prepare...

Friday, August 28, 2020

A Checklist for When a Spouse or Parent Passes An overview of some of the fundamental steps to take. Provided by Jamie Hansman When you lose a spouse, partner, or parent, the grief can be overwhelming. In the midst of that grief, life...

Friday, August 28, 2020

The Fed’s Year-Long Review Expected in September Changes may be on the way. Provided by Jamie Hansman As many of you know, the Federal Reserve's Open Market Committee has eight scheduled meetings each year when the seven board...

Wednesday, August 26, 2020

The Taxation of Restricted Stock Units What employees need to know. Provided by Jamie Hansman Is your employer giving you restricted stock units (RSUs)? Here are some details about RSUs, which differ from stock options in both their...

Monday, August 24, 2020

Financial Strategies for Young Families It’s never too late to start. Provided by Jamie Hansman The hardest part is getting started. Even though more than half of U.S. households have some form of investment in the stock market,...

Thursday, August 20, 2020

Will Political Changes Affect the Economy? Election years cause some anxiety. Provided by Jamie Hansman With all of the storm and stress of the year 2020, you’d be forgiven if you momentarily forgot that we’re due for...

Wednesday, August 19, 2020

A Corporate Trustee Could Be a Smart Choice Trust administration is more difficult than many families presume. Provided by Jamie Hansman In an ideal world, managing a family trust would be simple. There would be no stress, no big...

Tuesday, August 18, 2020

The Cost of Medical Care The expense of insuring yourself may be minor compared to the price of surgeries and procedures. Provided by Jamie Hansman When uninsured people end up in the hospital, “sticker shock” can follow....

Monday, August 17, 2020

Before You Claim Social Security A few things you may want to think about before filing for benefits. Provided by Jamie Hansman Determining when to take Social Security benefits is a complicated financial decision. Here are a few...

Thursday, August 13, 2020

The 2020 RMD Income Tax Relief Deadline Is Almost Here Important facts and a date to remember. Provided by Jamie Hansman Are you one of the many retirement account holders who took a mandatory distribution this year? If so, you may be...

Wednesday, August 12, 2020

The I.R.S. Has Enhanced the 2020 RMD Waivers Investors may be eligible to “undo” certain retirement account withdrawals before September. Provided by Jamie Hansman In March, the Coronavirus Aid, Relief, and Economic...

Tuesday, August 11, 2020

The A, B, C, & D of Medicare Breaking down the basics. Provided by Jamie Hansman Whether your 65th birthday is on the horizon or decades away, understanding the different parts of Medicare is critical, as this government-sponsored...

Tuesday, August 11, 2020

Don’t Overreact In August Understanding summer volatility. Provided by Jamie Hansman One of my favorite Wall Street quotes is from Mark Twain, who said: “October: This is one of the peculiarly dangerous months to speculate...

Monday, August 10, 2020

Starting a Roth IRA for a Teen This early financial decision could prove helpful over time. Provided by Jamie Hansman Want to give your child or grandchild a great financial start? A Roth IRA might be a choice to consider. There are...

Thursday, August 6, 2020

Keep an Eye on Buying & Selling by Corporate Executives A look at “insider” trading. Provided by Peter Livingston To some, the buying and selling of a company’s stock by corporate officers and directors can be an...

Wednesday, August 5, 2020

30-year Home Loans Fall to Historic Lows Investors and homebuyers take note. Provided by Jamie Hansman Lately, it can feel like each day brings a new headline about fluctuating market behavior. But amid the ups and downs of 2020, there...

Monday, August 3, 2020

Should You Consider Refinancing Your Mortgage? Market sees historic lows in mortgage rates. Provided by Jamie Hansman On July 16, mortgage giant Freddie Mac announced that the average interest rate for a 30-year home loan had fallen to...

Thursday, July 30, 2020

Little-Known Homeowners Insurance Facts You may be surprised to learn what is and is not covered. Provided by Jamie Hansman If you have a homeowners insurance policy, you should be aware of what this insurance does and does not cover....

Wednesday, July 29, 2020

Keep Your Life Insurance When You Retire Some good reasons to retain it. Provided by Jamie Hansman Do you need a life insurance policy in retirement? One school of thought says no. The kids are grown, and the need to financially...

Monday, July 27, 2020

What Is Earnings Season? Financial results are reported each quarter. Provided by Jamie Hansman Every few months, you may hear the phrase “we’re entering earnings season” as you read financial news. But what exactly...

Wednesday, July 22, 2020

What is Reg BI? A look at Regulation Best Interest. Provided by Jamie Hansman Recently, you may have heard that financial industry regulators established a new set of rules designed to guide investors who work with an investment...

Wednesday, July 15, 2020

Real-Time Data Recovery Stalled Amid COVID-19 Resurgence Posted by lplresearch Economic Blog We check in again today on some of the real-time economic data that LPL Research is monitoring to provide insight into how the latest...

Monday, July 6, 2020

Labor Market Continues Its Momentum Posted by lplresearch Economic Blog Following the massive beat in May nonfarm payrolls, many wondered if last month’s job gains pulled forward hiring ahead of the expiration of the Paycheck...

Wednesday, July 1, 2020

What Determines Car Insurance Rates? Driver history is just one factor; there are many others. Provided by Jamie Hansman Your auto insurance premium is based on more than your driving history. The amount you pay for auto insurance is...

Monday, June 29, 2020

Why Stocks Can Predict The Next President Posted by lplresearch Market Blog Although the fight against COVID-19 continues to dominate the headlines and our thoughts are with those affected, this is an election year and as we get...

Wednesday, June 24, 2020

Coupon Clipping for Investment Income Posted by lplresearch Economic Blog What can we learn about investment income opportunities from coupon-clipping environments? From 1977 to 2019, the price of the Bloomberg Barclays US Aggregate...

Monday, June 22, 2020

Saving Early & Letting Time Work for You The earlier you start pursuing financial goals, the better your outcome may be. Provided by Jamie Hansman As a young investor, you have a powerful ally on your side: time. When you start...

Monday, June 15, 2020

Retirement Plan Options for Small Businesses The SECURE Act and CARES Act may complicate the decision. Provided by Jamie Hansman As a small-business owner, figuring out retirement choices can be a little intimidating. How do you pick...

Monday, June 15, 2020

Before You Claim Social Security A few things you may want to think about before filing for benefits. Provided by Jamie Hansman Whether you want to leave work at 62, 67, or 72, claiming the retirement benefits you are entitled to by...

Tuesday, June 9, 2020

It’s Official, We’re In A Recession Posted by lplresearch Market Blog In probably one of the least surprising economic calls of all time, the Nation Bureau of Economic Research (NBER) officially declared an end to the...

Monday, June 8, 2020

College Funding Options You can plan to meet the costs through a variety of methods. Provided by Jamie Hansman How can you cover your child’s future college costs? Saving early (and often) may be key for most families. Here are...

Wednesday, June 3, 2020

2020 In Charts Posted by lplresearch Market Blog 2020 is only five months old, but in many ways it is one of the most historic years we’ve ever seen. “2020 went from moving along nicely, to seeing the worst recession in a...

Tuesday, June 2, 2020

Eldercare Choices in the COVID-19 Era Exploring your extended care options may be wise at this time. Provided by Jamie Hansman Given the threat of COVID-19, seniors today may be considering their extended care alternatives with extra...

Thursday, May 28, 2020

Making a Charitable Contribution There are benefits and limitations when you decide to donate stock. Provided by Jamie Hansman Why sell shares when you can gift them? If you have appreciated stocks in your portfolio, you might want to...

Tuesday, May 26, 2020

Corporate Bond Spreads Decline as Fed Increases ETF Purchases Posted by lplresearch Economic Blog The Federal Reserve (Fed) increased its bond exchange-traded funds (ETF) purchases in the week ending May 20 (the most recent data...

Thursday, May 21, 2020

“Backdoor” Roth IRAs If you make too much money to open a Roth IRA, you could create one this way. Provided by Jamie Hansman You can sum up the appeal of a Roth IRA in three words: federal tax benefit. Potential earnings in...

Wednesday, May 20, 2020

What Happens When The Bear Ends? Posted by lplresearch Market Blog The incredible rally off the March 23 lows continues for equities, with the S&P 500 Index now up more than 32% in 40 trading days. As impressive as the rally has been,...

Tuesday, May 19, 2020

A Look at Recent Weakness Posted by lplresearch Market Blog As we discussed in earlier this week in Markets Due for a Pause, there were multiple technical reasons to believe that US equities were due for some sort a pullback following...

Thursday, May 14, 2020

How Expensive Are Stocks Right Now? Posted by lplresearch Market Blog As stocks rallied 30% off the March 23 lows and earnings expectations were cut dramatically, valuations have become increasingly concerning for many investors...

Wednesday, May 13, 2020

Why Gold Will Continue To Shine Posted by lplresearch Market Blog Gold has done quite well so far in 2020, up more than 12% year to date versus the S&P 500 Index which is down about 10%. We started to warm to the yellow metal late...

Wednesday, May 13, 2020

May Is Disability Insurance Awareness Month What it is, and why it's important. Provided by Jamie Hansman Did you know that May is Disability Insurance Awareness Month? First started in 2007, the month of May was the first time that...

Monday, May 11, 2020

Record COVID-19 Testing Posted by lplresearch Market Blog The number of COVID-19 tests in the US has ramped up significantly, which is a major step to defeating this terrible pandemic. “We know we need more testing to help...

Thursday, May 7, 2020

FAQs About the 2020 Stimulus Checks Answers to some frequently asked questions. Provided by Jamie Hansman The federal government is providing a little economic relief to many taxpayers. The Internal Revenue Service is sending millions...

Wednesday, May 6, 2020

A Stock Market Lesson to Remember Confidence can quickly erode, but it can also quickly emerge. Provided by Jamie Hansman Undeniably, spring 2020 has tried the patience of investors. An 11-year bull market ended. Key economic...

Tuesday, May 5, 2020

Federal Student Loan Relief How does it work? What should you do? Provided by Jamie Hansman Are you or someone you know currently making federal student loan payments? In light of the COVID-19 pandemic, some welcome relief may be on...

Monday, May 4, 2020

Details on the Tax Deadline Extension The I.R.S. is giving you three additional months to file and pay. Provided by Jamie Hansman The Internal Revenue Service knows that many taxpayers have had a stressful spring. So, it has reset the...

Thursday, April 30, 2020

Global Central Banks All In Posted by lplresearch Economic Blog The Federal Reserve (Fed), the European Central Bank (ECB), and the Bank of Japan (BOJ) all met in the last week and while the show of power was minimal compared to...

Wednesday, April 29, 2020

Market Update: Wed, Apr 29, 2020 | LPL Financial Research Posted by lplresearch DAILY INSIGHTS Stocks up on Fed day. After Tuesday’s gains faded late in the session, stocks opened solidly higher this morning ahead of the...

Tuesday, April 28, 2020

Road to Recovery Playbook: Peak COVID-19 Cases Posted by lplresearch Market Blog We continue to follow our Road to Recovery Playbook for help determining where the market is in its bottoming process and yesterday we upgraded Signal #1...

Monday, April 27, 2020

Market Update: Mon, Apr 27, 2020 | LPL Financial Research Posted by lplresearch DAILY INSIGHTS Stocks opened solidly higher. The S&P 500 opened higher this morning despite another dip in oil prices as market participants appear to be...

Thursday, April 23, 2020

The Federal Reserve’s Unprecedented Moves What they are. How they help. Provided by Jamie Hansman In response to the COVID-19 pandemic, almost every state in America is under some sort of stay-at-home order. This unprecedented...

Tuesday, April 21, 2020

Negative Oil Futures Price Creates Confusion Posted by lplresearch Market Blog Headlines had oil selling at -$37.63 per barrel at close on Monday, April 20. The negative sign in front? Sellers had to pay buyers $37.63 to take the oil...

Thursday, April 16, 2020

Roth IRA Conversion in the Era of COVID-19 Is it right for you? Provided by Jamie Hansman The COVID-19 pandemic has shaken up nearly every aspect of American life. To say it’s been a difficult time would be an understatement....

Thursday, April 16, 2020

What Might Future Bond Returns Look Like? Posted by lplresearch Market Blog Stock returns get all the headlines, and with US equities entering their first bear market since 2008, there is good reason for that. However, fixed income...

Tuesday, April 14, 2020

Can Stocks Close Higher In 2020? Posted by lplresearch Market Blog What a ride 2020 has been for investors. The fastest bear market ever, now one of the steepest recoveries ever. After being down more than 30% for the year on March 23...

Thursday, April 9, 2020

GDP Forecasts Explained Posted by lplresearch Market Blog The economic damage inflicted by the current COVID-19 pandemic has been unprecedented, with thousands of businesses temporarily shuttered and millions of workers out of work....

Monday, April 6, 2020

Business Continuity Plans Prepare now to better protect your business in the future. Provided by Jamie Hansman As a business owner, you’ve worked hard for your success. The long hours, the difficult decisions, and the sacrifices...

Monday, April 6, 2020

Key Provisions of the CARES Act Distributions can be waived in 2020 for Inherited Accounts, 401(k)s, and IRAs. Provided by Jamie Hansman Recently, the $2 trillion “Coronavirus Aid, Relief, and Economic Security”...

Wednesday, April 1, 2020

Road to Recovery Playbook Factor #1: COVID-19 Case Update Posted by lplresearch Market Blog Factor #1 in our Road to Recovery Playbook is finding confidence in the peak of COVID-19 cases in the United States. At LPL Research we are...

Monday, March 30, 2020

Market Update: Mon, Mar 30, 2020 | LPL Financial Research Posted by lplresearch DAILY INSIGHTS Another big week. Stocks opened higher on the heels of huge gains last week. President Trump extended the CDC’s social distancing...

Monday, March 30, 2020

Pullbacks, Corrections, and Bear Markets What’s the difference? What do these terms mean for you? Provided by Jamie Hansman The COVID-19 outbreak has put tremendous pressure on stock prices, prompting some investors to blindly...

Tuesday, March 24, 2020

Fiscal Stimulus Bazooka Is Imminent Posted by lplresearch Economic Blog Policy makers in Washington, DC, worked over the weekend to try to put the finishing touches on a significant stimulus package to help cushion the economic and...

Monday, March 23, 2020

Bear Markets Come and Go The longest bull market in history lasted almost 11 years before coronavirus fears and the realities of a seriously disrupted U.S. economy brought it to an end. If you are losing sleep over volatility driven by...

Monday, March 23, 2020

Traditional Vs. Roth IRA Do you know the difference? Provided by Jamie Hansman Traditional Individual Retirement Accounts (IRA), which were created in 1974, are owned by roughly 33.2 million U.S. households. Roth IRAs, however, were...

Thursday, March 19, 2020

How Quickly Can Stocks Recover From COVID-19? Posted by lplresearch Market Blog The market volatility continues, as the S&P 500 Index has closed either up or down 4% or more for a record 7 consecutive days. With the S&P 500 Index down...

Monday, March 16, 2020

The Fastest Bear Market Ever Posted by lplresearch Market Blog The historic volatility continues, with the Dow Jones Industrial Average officially setting its fastest move from a new all-time high to a bear market (down 20% from the...

Thursday, March 12, 2020

Positive Signs From China on COVID-19 Posted by lplresearch Market Blog COVID-19 related fear has gripped markets, driving the Dow Jones Industrial Average and the S&P 500 Index into bear territory. As difficult as these markets are...

Monday, March 9, 2020

The Coronavirus and the Global Economy As of February 26, 2020, the death toll from COVID-19 — the official name of the coronavirus first reported in Wuhan, China — passed 2,700, while the number of confirmed cases exceeded...

Monday, March 9, 2020

This material was prepared by MarketingPro, Inc., and the information given has been derived from sources believed to be accurate. This is not intended as a guide for the preparation of tax returns, nor should it be construed, as...

Thursday, March 5, 2020

First Emergency Rate Cut By the Fed Since 2008 Posted by lplresearch Market Blog In a move in which the timing was more compelling than the decision itself, the Federal Reserve (Fed) announced this morning that it unanimously decided...

Monday, March 2, 2020

Coronavirus & More The 24-Hour News Cycle moves from Impeachment to COVID-19 to the Primaries – What’s next? Provided by Jamie Hansman In recent weeks, we’ve seen several major stories in the news. On the political...

Monday, March 2, 2020

The Solo 401(k) A retirement investment vehicle designed for small. Provided by Jamie Hansman Do you work for yourself? Then you may want to consider the solo 401(k), which marries a traditional employee retirement savings account to a...

Monday, February 24, 2020

Should You Care What the Financial Markets Do Each Day? Focusing on Your Strategy During Turbulent Times. Provided by Jamie Hansman Investors are people, and people are often impatient. No one likes to wait in line or wait longer than...

Monday, February 24, 2020

Tax Considerations for Retirees Are you aware of these potential tax breaks and tax-saving opportunities? Provided by Jamie Hansman The federal government offers some major tax breaks for older Americans. Some of these perks deserve...

Tuesday, February 18, 2020

That First Distribution from Your IRA What you need to know. Provided by Jamie Hansman When you are in your seventies, Internal Revenue Service rules say that you must start making withdrawals from your traditional IRA(s). In I.R.S....

Tuesday, February 18, 2020

How to Prepare for Tax Season Presented by Jamie Hansman In this guide, we’ll explore ways to help you prepare for the upcoming tax season. Keep in mind, this guide is for informational purposes only and is not a replacement for...

Wednesday, February 12, 2020

Yield Curve Back in the News Posted by lplresearch Economic Blog The financial media returned to a favorite topic in the last week, yield curve inversion, but we caution against getting caught up in the building frenzy. The Treasury...

Tuesday, February 11, 2020

ABLE Accounts for Loved Ones with Disabilities More families should know about these tax-advantaged savings vehicles. Provided by Jamie Hansman Families with special needs children have a new tax-deferred savings option. The ABLE...

Thursday, February 6, 2020

Manufacturing on the Mend Posted by lplresearch Market Blog Monday’s strong manufacturing report caught our attention, even as the coronavirus outbreak dominated the financial media. At 50.9, the Institute for Supply...

Monday, February 3, 2020

Investing for Impact Socially responsible investment strategies and you. Provided by Jamie Hansman SRI (Socially Responsible Investing), Impact Investing, and ESG (Environmental, Social, and Governance) Investing belong to a growing...

Monday, February 3, 2020

Annual Financial To-Do List Things you can do for your future as the year unfolds. Provided by Jamie Hansman What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the...

Thursday, January 30, 2020

An Average Year for GDP Growth Posted by lplresearch ECONOMIC BLOG The U.S. economy notched an average year of growth in 2019. Gross domestic product (GDP) rose 2.1% in the fourth quarter of 2019, according to Bureau of Economic...

Monday, January 27, 2020

Ways to Fund Special Needs Trusts A look at the different options & strategies. Provided by Jamie Hansman If you have a child with special needs, a trust may be a financial priority. There are many crucial goods and services that...

Monday, January 27, 2020

2019 IRA Deadlines Are Approaching Here is what you need to know. Provided by Jamie Hansman Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. April 1, 2020 is...

Thursday, January 23, 2020

Small Caps Struggle in Record-High Drought Posted by lplresearch MARKET BLOG Stock markets around the world have hit new record highs this year, but U.S. small cap stocks have yet to join the party. As shown in the LPL Chart of the...

Tuesday, January 21, 2020

Tremendous Gains Since 2009 A look at where stocks were in 2009 and how they have performed since. Provided by Jamie Hansman Where were you on March 9, 2009? Do you remember the headwinds hitting Wall Street then? When the closing bell...

Tuesday, January 21, 2020

New I.R.S. Contribution Limits A look at the maximum amounts you can put into retirement accounts this year. Provided by Jamie Hansman The I.R.S. just announced the annual contribution limits on IRAs, 401(k)s, and other widely used...

Thursday, January 16, 2020

Main Street’s Sentiment Perks Up Posted by lplresearch A milestone in the U.S.-China trade dispute has boosted corporate sentiment, according to the Federal Reserve’s (Fed) latest Beige Book. In the Beige Book, the Fed...

Wednesday, January 15, 2020

Q4 Earnings Season is All About 2020 Posted by lplresearch MARKET BLOG Fourth quarter earnings season kicked off this week with 24 S&P 500 Index companies slated to report results. Our expectations are for a marginal increase in S&P...

Monday, January 13, 2020

Health Care Costs Are Cutting into Retirement Preparations This is happening in subtle and not-so-subtle ways. Provided by Jamie Hansman You may have seen this statistic before or one resembling it: the average 65-year-old retiring...

Monday, January 13, 2020

The SECURE Act Long-established retirement account rules change. Provided by Jamie Hansman The Setting Every Community Up for Retirement Enhancement (SECURE) Act is now law. With it, comes some of the biggest changes to retirement...

Tuesday, August 9, 2016

What is risk? To the conservative investor, risk is a negative. To the opportunistic investor, risk is a factor to tolerate and accept. Whatever the perception of risk, it should not be confused with volatility. That confusion occurs mu

Monday, August 8, 2016

Do Our Biases Inhibit Our Retirement Savings Efforts? They may affect our attempts to build wealth. Provided by Jamie Hansman Picture an 18-wheeler, its 4,000-cubic-foot cargo trailer filled to capacity with stacks of $100 bills. The...

Tuesday, July 5, 2016

Getting Your Financial Paperwork in Good Order Help make things easier for your loved ones when you leave this world. Provided by Jamie Hansman Financial Advisor Duxbury MA Who wants to leave this world with their financial affairs in...

Thursday, June 30, 2016

A wise man once said “Good things come to those who wait.” While that may be true in most situations, it most certainly is not true when it comes to planning for your retirement. If you’ve been holding off, consider...

Wednesday, June 29, 2016

The New Gradual Retirement Working a little (or a lot) after 60 may become the norm. Provided by Jamie Hansman financial advisor Duxbury MA Do we really want to retire at 65? Not according to the latest annual retirement survey from...

Wednesday, June 29, 2016

What is the 'Brexit Vote'? The United Kingdom (U.K.), comprised of England, Scotland, Northern Ireland, and Wales, has been a member of the 28-nation European Union (EU) since 1975. The EU members are allowed to freely move goods,...

Monday, June 27, 2016

Brexit Q&A Posted by lplresearch LPL Research thought it would be helpful to share top questions that our advisors have had today in light of the surprising Brexit vote and significant market reaction. The Brexit vote was a referendum...

Friday, June 24, 2016

How Women Have Assumed a Larger Role in Family Finance The change has been gradual but notable & carries over to retirement planning. Provided by Jamie Hansman Financial Advisor Duxbury MA More women have become the primary wage...

Friday, June 24, 2016

Do Women Face Greater Retirement Challenges Than Men? If so, how can they plan to meet those challenges? Provided by Jamie Hansman Financial Advisor Duxbury MA A new study has raised eyebrows about the retirement prospects of women. It...

Wednesday, June 22, 2016

How Can You Make Your Retirement Money Last? These spending and investing precepts may encourage its longevity. Provided by Jamie Hansman, Financial Advisor Duxbury MA All retirees want their money to last a lifetime. There is no...

Tuesday, June 21, 2016

Sometimes the Pundits Get It Wrong In fact, many predictions about Wall Street have misread the market’s direction. Provided by Jamie Hansman, financial advisor, Duxbury MA Trying to determine how Wall Street will behave next...

Monday, June 20, 2016

You Retire, But Your Spouse Still Works That development may mean lifestyle as well as financial adjustments. Provided by Jamie Hansman, Financial Advisor, Duxbury MA Your significant other may retire later than you do. Sometimes that...

Friday, June 17, 2016

Behind on Your Retirement Savings? What steps could you take to catch up? Provided by Jamie Hansman, Financial Advisor, Duxbury, MA If life has not allowed you to build substantial retirement savings, what can you do to improve your...

Thursday, June 16, 2016

Saving Early & Letting Time Work for You The earlier you start pursuing financial goals, the better your outcome may be. Provided by Jamie Hansman, Financial Advisor, Duxbury MA As a young investor, you have a powerful ally on your...

Wednesday, June 15, 2016

What Are Catch-Up Contributions Really Worth? What degree of difference could they make for you in retirement? Provided by Jamie Hansman, Financial Advisor, Duxbury MA At a certain age, you are allowed to boost your yearly retirement...

Wednesday, June 15, 2016

Comprehensive Financial Planning: What It Is, Why It Matters Your approach to building wealth should be built around your goals & values. Provided by Jamie Hansman, Financial Advisor, Duxbury MA Just what is “comprehensive...

Tuesday, June 14, 2016

Dealing with Sudden Retirement How ready are you? Provided by Jamie Hansman, Financial Advisor, Duxbury, MA What if you are laid off or forced into retirement before 65, or even before 60? If that happens to you, what do you do in...

Monday, June 13, 2016

Should You Plan to Retire on 80% of Your Income? Examining a long-held retirement planning assumption. Provided by Jamie Hansman, Financial Advisor, Duxbury, MA A classic retirement planning rule states that you should retire on 80% of...

Friday, June 10, 2016

Retirement Now vs. Retirement Then Today’s retirees must be more self-reliant than their predecessors. Jamie Hansman, Financial Advisor Duxbury, MA Decades ago, retirement was fairly predictable: Social Security and a pension...

Thursday, June 9, 2016

Why DIY Investment Management Is Such a Risk Paying attention to the wrong things becomes all too easy. Provided by Jamie Hansman, Financial Advisor Duxbury, MA If you ever have the inkling to manage your investments on your own, that...

Wednesday, June 8, 2016

Retirement Blindspots Some life & financial factors that can be overlooked. Provided by Jamie Hansman, Financial Advisor in Duxbury, MA We all have a “blue sky” vision of the way retirement should be, yet it helps to plan...

Friday, May 20, 2016

Taking a Loan from Your Retirement Plan = Bad Idea Why you should refrain from making this move. Provided by Jamie Hansman Thinking about borrowing money from your 401(k), 403(b), or 457 account? Think twice about that, because these...