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, September 12, 2022

5 Retirement Concerns Too Often OverlookedBaby boomers entering their “second acts” should think about these matters. Provided by Jamie Hansman  Retirement is undeniably a major life and financial transition....

Wednesday, September 7, 2022

Should You Prepare to Retire on 80% of Your Income?Examining a long-held retirement assumption. Provided by Jamie Hansman A classic retirement preparation rule states that you should retire on 80% of the income you earned in...

Thursday, August 18, 2022

Required Minimum Distributions 101 Understanding mandatory retirement account withdrawals. Provided by Jamie Hansman If you are approaching your seventies, get ready for required minimum distributions. You may soon have to...

Monday, August 1, 2022

Getting Disability Income The facts about applying for SSDI and SSDI benefits. Provided by Jamie Hansman If you cannot work due to a disability, you might be eligible for Social Security Disability Income (SSDI). These...

Thursday, July 28, 2022

What Happens When There Are No Beneficiaries Where do those accounts and policies end up? Provided by Jamie Hansman Some accounts have no designated beneficiary. Rarely, the same thing occurs with insurance policies. This is...

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Tuesday, June 21, 2022

The Behavior Gap and Your Financial Health How might it affect you? Provided by Jamie Hansman “It turns out my job was not to find great investments but to help create great investors,” writes Carl Richards,...

Friday, June 17, 2022

 Rehearsing for Retirement Try living as a “retiree” for a month or two before you commit to leaving your career.  Provided by Jamie Hansman Imagine if you could preview your retirement in advance. In a...

Wednesday, June 15, 2022

Creating a Retirement StrategyMost people just invest for the future. You have a chance to do more. Provided by Jamie Hansman  Across the country, people are saving for that “someday” called retirement. Someday,...

Thursday, June 2, 2022

How to Buy I Bonds Direct from the Treasury A short guide. Provided by Jamie Hansman With inflation hovering near 40-year highs, some investors are looking for alternative ways to weather the storm. For many, a Series I...

Tuesday, May 31, 2022

Couples Retiring on the Same PageAgreeing about what you want from retirement is crucial. Provided by Jamie Hansman    What does a good retirement look like to you? Does it resemble the retirement that your spouse...

Friday, May 27, 2022

What is an Annuity? What you should know about them. Provided by Jamie Hansman Individuals hold about $2.5 trillion in annuity contracts; a tidy sum considering an estimated $12.2 trillion is held in all types of IRAs...

Friday, May 13, 2022

THE RETIREMENT REALITY CHECK   Little things to keep in mind for life after work.   Presented by Jamie Hansman      Decades ago, there was a book entitled What They Don’t Teach You at Harvard Business...

Thursday, May 12, 2022

Should You Downsize for Retirement? Some retirees save a great deal of money by doing so; others do not.   Provided by Jamie Hansman   You want to retire, and you own a large home that is nearly or fully paid off. The kids...

Tuesday, April 5, 2022

Are You Retiring Within the Next 5 Years? What to focus on as the transition approaches   Provided by Jamie Hansman   You can prepare for the transition years in advance. In doing so, you may be better equipped to manage...

Tuesday, March 29, 2022

Why Don’t All Affluent People Become Wealthy? Perception, hesitation, & poor decisions are factors.    Provided by Jamie Hansman...

Monday, March 21, 2022

PRESENTED BY Jamie Hansman   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,...

Thursday, March 17, 2022

Major Risks to Family Wealth Protect your family assets for future generations.   Provided by Jamie Hansman   All too often, family wealth fails to last. One generation builds a business—or even a fortune— lost in...

Tuesday, March 15, 2022

Getting (Mentally) Ready to Retire Even those who have saved millions must prepare for a lifestyle adjustment.   Provided by Jamie Hansman   A successful retirement is not merely measured in financial terms. Even those who...

Thursday, March 3, 2022

Taking Charge of Your Financial Life Delegating responsibilities to others may lead to problems down the road.   Provided by Jamie Hansman   When you are putting together a household, it isn’t unusual to delegate...

Tuesday, March 1, 2022

Roth IRA Conversions What are your choices? What are the benefits?   Provided by Jamie Hansman   If you own an Individual Retirement Account (IRA), perhaps you have heard about Roth IRA conversions. Converting your...

Thursday, February 10, 2022

States Are Requiring Retirement Plans Will new mandates solve an old financial problem?   Provided by Jamie Hansman   Too many Americans save too little for retirement. This problem has been discussed for decades in all kinds...

Monday, February 7, 2022

Retirement Preparation Mistakes Why are they made again and again?   Provided by Jamie Hansman   Much is out there about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities....

Thursday, February 3, 2022

Updated Premiums and Deductibles for Medicare Higher than normal.   Provided by Jamie Hansman   Medicare’s premiums and deductibles have seen a larger-than-expected rise this year. For example, Medicare Part B monthly...

Tuesday, February 1, 2022

RMDs Get a Small Reprieve 2022 brings new life expectancy tables.   Provided by Jamie Hansman   For the first time in nearly 20 years, the IRS has released updated actuarial or life expectancy tables. Those who take required...

Friday, January 21, 2022

Monthly News and Information for Current and Future Retirees Presented by Jamie Hansman - January 2022 QUOTE OF THE MONTH “We contain all the ages we have ever been.” ANNIE LAMOTT HOW MUCH WILL SAVING AN EXTRA $1K EACH...

Wednesday, January 19, 2022

In this 2021 recap: new coronavirus variants prolong the pandemic, but the economy adapts and maintains its strength; inflation pressure mounts and the Federal Reserve decides to adjust monetary policy; the major U.S. stock indexes hit...

Monday, January 17, 2022

Much has been written about inflation this year – and no doubt, you have also read an article or two about inflation’s silver lining, the potential for better returns on certain fixed-income investments given the chance of...

Friday, January 14, 2022

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

Wednesday, January 12, 2022

Outlook for 2022 It’s a new year, full of new possibilities for what may lie ahead.   Provided by Jamie Hansman   By any measure, 2021 was a strong year for investors. But what’s in store for 2022? From my...

Wednesday, December 29, 2021

Monthly News and Information for Current and Future Retirees Presented by Jamie Hansman - DECEMBER 2021 QUOTE OF THE MONTH “Often when you think you're at the end of something, you're at the beginning of something else.”...

Monday, December 20, 2021

When Bad News Is Good News A surprising reaction to tapered bond purchases.   Provided by Jamie Hansman   Financial markets can be challenging to understand. But when markets enter a “bad news is good news” cycle,...

Friday, December 17, 2021

Biden Signs Infrastructure Bill The bill will create jobs in many parts of the country.   Provided by Jamie Hansman    At the White House on Monday, President Biden signed a $1T bipartisan infrastructure set to enable...

Wednesday, December 15, 2021

2022 Contribution Limits Is it time to contribute more?   Provided by Jamie Hansman   Preparing for retirement just got a little more financial wiggle room. This week, the Internal Revenue Service (IRS) announced new...

Monday, December 13, 2021

Powell News Kicks Off Volatile Season? These numbers don’t always represent the full picture.   Provided by Jamie Hansman   The holiday season is often a quiet, positive time for the financial markets. The phrase...

Friday, December 10, 2021

Is Inflation Peaking? One lesser-known indicator is called the Baltic Dry Index.   Provided by Jamie Hansman   You see it in prices at the grocery store and the gas station. You feel it in your monthly budget. So why...

Wednesday, December 8, 2021

The Power of the Consumer In recent months, consumer confidence has been falling.   Provided by Jamie Hansman   A confident consumer can be a powerful ally in an economy. But when the consumer starts to have questions, we can...

Monday, November 29, 2021

A look back at 2021 thus far Presented by Jamie Hansman The year in brief. 2021 has been a year of economic and business recovery – a recovery tempered by the delta variant of the coronavirus, but a rebound nonetheless. Stateside...

Friday, November 26, 2021

Tax Changes: What’s In, What’s Out? While some initiatives are left behind, others are seeing renewed interest. Provided by Jamie Hansman While it’s still too early to draw any final conclusions, Congress is getting...

Wednesday, November 24, 2021

Wise Decisions with Retirement in Mind Certain financial & lifestyle choices may lead you toward a better future. Provided by Jamie Hansman Some retirees succeed at realizing the life they want; others don’t. Fate aside, it...

Monday, November 22, 2021

Are Capital Gains Taxes Changing? Reach out if you have any concerns about capital gains taxes. Provided by Jamie Hansman There are a lot of questions about President Biden’s Build Back Better plan and potential tax law changes,...

Friday, November 19, 2021

Proposed Tax Changes in Congress If passed, the $3.5 trillion Build Back Better Act would alter some federal tax rates. Provided by Jamie Hansman Investors are watching the Build Back Better Act. This $3.5 trillion bill, refined...

Wednesday, November 17, 2021

Cash Alternatives for Charitable Giving Thinking about donating? Think of these choices. Provided by Jamie Hansman The year is winding down, and you may be thinking of giving. In fact, you may want to explore the different ways in...

Monday, November 15, 2021

Gridlock in the Supply Chain The port crisis continues. Provided by Jamie Hansman While the world has begun to recover from the economic disruption of the COVID-19 pandemic, the delayed reaction has been felt in the supply chain....

Friday, November 12, 2021

FANNG is now MAMAA Wise investors take the “big picture” view. Provided by Jamie Hansman CNBC’s Mad Money host Jim Cramer created the popular FAANG acronym to denote some of the largest, most powerful companies in the...

Wednesday, November 10, 2021

Estate Taxes May Be Amended Soon What to know about the budget reconciliation bill. Provided by Jamie Hansman To help raise revenue to pay for President Biden’s Build Back Better Plan, Congress is considering a number of tax law...

Tuesday, November 9, 2021

Ready for Medicare Open Enrollment? Enrollment period begins October 15. Provided by Peter Livingston Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare...

Monday, November 8, 2021

The Social Security Administration Announces 2022 COLA 5.9% is the biggest COLA increase in decades. Provided by Jamie Hansman On October 13, 2021, the Social Security Administration (SSA) officially announced that Social Security...

Wednesday, October 27, 2021

Are Your Taxes Going to Change? Wise investors take the “big picture” view. Provided by Jamie Hansman Most likely, you’ve heard what’s brewing in Washington, D.C., called by one of these names. The Build Back...

Monday, October 25, 2021

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...

Friday, October 22, 2021

The Underutilized Benefits of a Health Savings Account Tax benefits and new contribution limits. Provided by Jamie Hansman Healthcare can be one of the priciest yet essential parts of life’s journey. And yet, many struggle to...

Wednesday, October 20, 2021

The Best, the Brightest, and Inflation The Fed may be ready to alter course. Provided by Jamie Hansman If you are feeling a bit confused about the direction of inflation, you’re in good company. Some of the best and brightest...

Monday, October 18, 2021

Making Sense of Seemingly Inconsistent Numbers Wise investors take the “big picture” view. Provided by Jamie Hansman It can be incredibly difficult to make sense of data. A report coming from one body may tell you one thing...

Friday, October 15, 2021

Could Custodial IRAs Help Young Adults Buy Homes? Some parents and grandparents have that possibility in mind. Provided by Jamie Hansman Individual Retirement Arrangements (IRAs) are for retirement saving, right? Absolutely. Is that...

Wednesday, October 13, 2021

Fallout from the Chinese Property Market This tumult is not the only area of concern in the Chinese economy. Provided by Jamie Hansman There’s a famous saying about a hurricane starting from a butterfly flapping its wings on the...

Monday, October 11, 2021

Roller-Coaster Week in Washington Investors may find themselves with an uneasy feeling. Provided by Jamie Hansman Debates over government debt, taxes, and infrastructure have captured the attention of the nation this week. All eyes are...

Wednesday, October 6, 2021

Fed Rescues September Bond purchases may end entirely by the middle of 2022. Provided by Jamie Hansman A funny thing happened in the investment markets the other day. September was living up to its reputation as a volatile month, but...

Monday, September 20, 2021

FAFSA Simplification Act Learn how legislative changes can help you finance your loved one’s education. Provided by Jamie Hansman As a parent or grandparent, you know firsthand the challenges of funding a child’s education....

Friday, September 17, 2021

401(k) Millionaires What does this mean for your overall retirement strategy? Provided by Jamie Hansman Your workplace retirement account can play a critical role in your overall retirement strategy. However, some have gone further...

Wednesday, September 15, 2021

The Need for Power of Attorney POAs and other advanced directives are becoming more important. Provided by Jamie Hansman The point of the POA. A power of attorney (POA) is a legal instrument that delegates an individual’s legal...

Monday, September 13, 2021

The September Effect Investors ending their fiscal year can lead to some market weakness. Provided by Jamie Hansman The stock market notched its 7th straight month of gains in August, and the Standard & Poor's 500 index has set 53 new...

Friday, September 3, 2021

Will Air Travel Problems Persist? How might it affect you? Provided by Jamie Hansman The airline industry plotted a course for recovery in 2021, but recent difficulties may have put that plan into a holding pattern. While major...

Wednesday, September 1, 2021

Mixed Signals on Inflation What to know as markets look forward. Provided by Jamie Hansman Are you having a tough time keeping track of inflation's mixed signals? You’re not alone. Consumer prices in July climbed at their fastest...

Monday, August 30, 2021

Distracted America Consumer habits are changing as we spend more time at home. Provided by Jamie Hansman Over the last year, many have seen their lives impacted by the COVID-19 pandemic. The ways in which we work, live, and communicate...

Friday, August 27, 2021

The Wall of Worry You've got plenty of choices these days. Provided by Jamie Hansman Have you ever heard the Wall Street expression, "markets climb a wall of worry?" It's the idea that financial markets are constantly on edge. Traders...

Wednesday, August 25, 2021

How U.S. Savings Bonds Work How to keep track of your savings bonds’ maturity dates. Provided by Jamie Hansman Did you buy U.S. Savings Bonds decades ago? Or did your parents or grandparents purchase them for you? If...

Friday, August 20, 2021

The Expanded Child Tax Credit Provided by Jamie Hansman The federal government has upgraded its Child Tax Credit. Thanks to the American Rescue Plan Act, there are four notable differences in effect for the 2021 tax year only.1 First,...

Wednesday, August 18, 2021

Teenage Wage-Land Staffing challenges mean opportunities for teens. Provided by Jamie Hansman Summer jobs are a perennial aspect of the American workforce. It’s a time when teenagers are filling out applications and, in many...

Monday, August 16, 2021

Chinese Markets Under Pressure Regulators impact the Chinese stock market. Provided by Jamie Hansman With overseas investments, we remind people that, “international markets carry additional risks, which include differences in...

Friday, August 13, 2021

Direct Indexing An old way to manage a portfolio is getting some new attention. Provided by Jamie Hansman “Indexing” is a familiar phrase in investment jargon, and a familiar concept. Money managers structure certain...

Wednesday, August 11, 2021

The Cost Of A Gold Medal The actual value of the medal. Provided by Jamie Hansman The 2020 Tokyo Olympics wrap up with closing ceremonies on August 8, and it’s been an Olympic games like no other. We’ve watched the...

Monday, August 2, 2021

A Roaring Start to Earnings Season Favorable forecasts lead analysts to raise their projections for the year ahead. Provided by Jamie Hansman Corporate earnings season has begun, and the results are turning heads on Wall Street. Of the...

Monday, July 26, 2021

A 6.1% Bump in Social Security? COLA and Social Security. Provided by Jamie Hansman The news keeps getting better for Social Security recipients. It's now projected that benefits will increase 6.1% in 2022, up from the 4.7% forecast...

Friday, July 23, 2021

The Quiet Fall in Bond Yields What’s behind the quiet fall in bond yields? Provided by Jamie Hansman With all the attention given to inflation, stock prices, and job reports, it’s been easy to overlook the remarkable move...

Wednesday, July 21, 2021

Billionaires in Space The business world heads to space. Provided by Jamie Hansman It’s long been an aspirational target for entrepreneurs. It literally goes beyond “blue sky,” in terms of location, to a place no...

Friday, July 16, 2021

Conducting Your Mid-Year Financial Checkup The midpoint of the year is a great time to review your financial position. Provided by Jamie Hansman With June officially behind us, it’s time to face the facts: we’re headed...

Wednesday, July 14, 2021

Oil Prices Hit Six-Year High As demand outpaces supply, inflation concerns rise. Provided by Jamie Hansman On July 6, oil prices reached a six-year high of $76.98 a barrel. This benchmark came as the Organization of the Petroleum...

Monday, July 12, 2021

Economic Lessons from Used-Car Inflation Various factors drive used car prices. Provided by Jamie Hansman Inflation is defined as the general upward price movement of goods and services in an economy. The key word is “general...

Friday, July 9, 2021

Insurance When You Marry After 40 With people marrying later in life these days, coverage has become even more important. Provided by Jamie Hansman When you marry, you buy life insurance. Right? You buy it out of consideration for your...

Wednesday, July 7, 2021

Thinking About Summer Travel Plans This summer presents travel challenges. Provided by Jamie Hansman Summertime rouses our desire to hit the road (or the airport) and travel. Here are a few things you’ll want to consider before...

Wednesday, June 30, 2021

The Fed Acknowledges Inflation As inflation climbs, the Fed reacts. Provided by Jamie Hansman At its June meeting, the Federal Reserve confirmed what many of us have suspected for some time: prices are rising. In fact, prices are...

Friday, June 25, 2021

Summer Travel is Back! Summer travel stats show an industry in recovery. Provided by Jamie Hansman One of the most anticipated comebacks of 2021 isn’t an athlete, rock star, or movie franchise. It’s summer travel, and it...

Wednesday, June 23, 2021

FAFSA Simplification Act Learn about how legislative changes can help you finance your loved one’s education. Provided by Jamie Hansman As a parent or grandparent, you know firsthand the challenges of funding a child’s...

Monday, June 21, 2021

Inflation & the Real Rate of Return Is your money gaining or losing purchasing power? Provided by Jamie Hansman The real rate of return is an important personal finance concept to understand. It’s the rate of return on your...

Friday, June 18, 2021

A COLA with Your Social Security? Preliminary estimates call for a 4.7% cost-of-living increase.1 Provided by Jamie Hansman If there is a "silver lining" to all the inflation talk, it may be that Social Security benefits are expected...

Wednesday, June 16, 2021

Are You Ready for the Second Act of the Secure Act? Some potential benefits of the Securing a Strong Retirement Act. Provided by Jamie Hansman Recently, you may have seen headlines regarding the Securing a Strong Retirement Act, also...

Monday, June 14, 2021

A Seven-Year High for Gas Prices Things in America are returning to something like a pre-COVID normal. Provided by Jamie Hansman Over Memorial Day weekend, gasoline prices hit the highest for this holiday weekend since 2014.1 With the...

Friday, June 11, 2021

Inflation Outlook for 2021 Is the Fed ahead or behind in its monetary policy regarding inflation? Provided by Jamie Hansman As our nation continues to recover from the effects of COVID-19, one economic trend has been capturing news...

Wednesday, June 9, 2021

Recovering from COVID Some promising trends emerge. Provided by Jamie Hansman With COVID, there were some who believed that progress on this health issue was a necessary precondition to economic recovery. In recent weeks, we have seen...

Monday, June 7, 2021

Tax & Estate Strategies 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 strategizing...

Friday, June 4, 2021

Inflation Can Be a Scary Word There are compelling reasons to adopt a wait-and-see approach. Provided by Jamie Hansman Inflation can be a scary word for people who are retired. It’s code for “prices are going up, but my...

Wednesday, June 2, 2021

The Fed’s Taper Rehearsal The talk is of tapering, and it’s making investors nervous. Provided by Jamie Hansman The Federal Open Market Committee (FOMC) released the minutes of its April meeting last week. The report...

Friday, May 28, 2021

College Funding Choices Explore the different ways you can help finance the costs of higher education. Provided by Jamie Hansman How can you help cover your child’s future college costs? Saving early (and often) may be key for...

Wednesday, May 26, 2021

Cyberattack, CPI Hit In the Wallet Long lines and closed gas stations in many regions. Provided by Jamie Hansman A cyberattack shut down a major gas and energy pipeline supplying the East Coast of the United States for several days....

Monday, May 24, 2021

How COVID-19 Caused a “She-Cession” Several women-dominated industries were hit hardest by the pandemic. Provided by Jamie Hansman Since the 1980s, unemployment rates have trended higher amongst men than women during a...

Friday, May 21, 2021

Baseball’s $300 Million Players Even ballplayers prepare for the future. Provided by Jamie Hansman The San Diego Padres signed infielder Fernando Tatis, Jr., to a 14-year, $340 million contract roughly one year after the Los...

Wednesday, May 19, 2021

Buffett and Powell Talk Inflation The Oracle of Omaha and the Fed Chair seem to be at odds. Provided by Jamie Hansman What does it mean when two of the most powerful voices in American financial life seem to be saying two different...

Monday, May 17, 2021

2021 Retirement Confidence Survey A deep dive into workers' expectations in retirement versus actual income sources. Provided by Jamie Hansman Will your retirement dreams match your reality? That's perhaps the most critical question to...

Friday, May 14, 2021

Debate Starts on Capital Gains Tax What to expect and why. Provided by Jamie Hansman Now and again, the price action on Wall Street can surprise even the most seasoned investors. Look no further than when President Biden in late April...

Wednesday, May 12, 2021

Investor Sentiment Is Shifting This year, markets have experienced an odd phenomenon. Provided by Jamie Hansman A recent survey shows that 63% of investors are more interested in protecting their financial assets and planning for...

Monday, May 10, 2021

“Green Shoots” in the Economy Some examples to consider. Provided by Jamie Hansman Investors looking for "green shoots" to confirm that the economy is on the mend have seen plenty of examples in recent weeks. Retail sales...

Friday, May 7, 2021

The Whims of Wall Street What to know about shifting market attention, and investor burnout. Provided by Jamie Hansman It can be exhausting trying to keep up with the whims of Wall Street. Lately, the financial markets have been...

Wednesday, May 5, 2021

What Forces Are Driving the Housing Market? Many hopeful homebuyers are having issues securing a home. Provided by Jamie Hansman Recently, you may have seen reports that a record-low number of homes are available for sale—roughly...

Monday, May 3, 2021

The Call for a Minimum Global Corporate Tax Yellen wants to help the U.S. raise sufficient revenue. Provided by Jamie Hansman In a speech to the Chicago Council on Global Affairs, U.S. Treasury Secretary Janet Yellen has called for a...

Friday, April 30, 2021

IRA Deadlines Are Approaching Here is what you need to know. Provided by Jamie Hansman Financially, many of us associate the spring with taxes – but we should also associate December with important IRA deadlines. This year, like...

Wednesday, April 28, 2021

Inflation Boogeyman What to keep in mind as inflation fears rise. Provided by Jamie Hansman Inflation has emerged as one of the top financial concerns for investors as they size up the economy for the rest of the year. According to...

Monday, April 26, 2021

Paying for the Infrastructure Bill The proposal does not yet include any new taxes on individuals. Provided by Jamie Hansman President Joe Biden introduced the much-anticipated American Jobs Plan, which outlines an approach to spend...

Friday, April 23, 2021

Are Americans Saving Too Much? American spending habits have taken a clear direction. Provided by Jamie Hansman Among the many changes arising from the pandemic, one of the most noticeable was a change in American spending habits. A...

Wednesday, April 21, 2021

Life Insurance with Extended-Care Riders As conventional extended-care policies grow costlier, alternatives have emerged. Provided by Jamie Hansman The COVID-19 pandemic has changed extended-care policies. While the specific policy...

Monday, April 19, 2021

Financial Strategies for Athletes Step One: Find a trusted financial coach; Step Two: Listen to your coach. Provided by Jamie Hansman Whether you are a professional athlete, a college amateur, or an aspiring Olympian, you probably know...

Friday, April 16, 2021

Qualified Charitable Distributions A choice for I.R.A. owners who want to reduce taxes linked to I.R.A. distributions. Provided by Jamie Hansman Do you have an I.R.A.? As you enter your 70s, you may start to look at that I.R.A. not...

Wednesday, April 14, 2021

The Shred Party What should you get rid of and hold on to? When and why? Provided by Jamie Hansman If a shred party happens to spring up in your area, you may want to mark your calendar. For many years, shred parties, where a business...

Monday, April 12, 2021

The Economics of MLB Spring Training Play ball! Provided by Jamie Hansman Major League Baseball scheduled Opening Day for April 1, but two states have already scored with spring training underway. Every year, spring training divides...

Friday, April 9, 2021

The American Rescue Plan Makes FSAs a Little More Flexible The act boosts the amount that companies can allow workers to deposit. Provided by Jamie Hansman For those with a Dependent Care Flexible Spending Account (FSA), there may be...

Wednesday, April 7, 2021

Guarding Against Identity Theft Take steps so criminals won’t take vital information from you. Provided by Jamie Hansman America is enduring a data breach problem. As many workers traded in the office for remote work, data...

Monday, April 5, 2021

Investing During Periods of Inflation What does inflation mean for your investments? Provided by Jamie Hansman In August of 2020, the Fed announced that it is willing to allow inflation to run higher than normal in order to support the...

Friday, April 2, 2021

I.R.S. Delays Tax Filing, Payment Deadlines The new deadline is May 17, 2021. Provided by Jamie Hansman Less than one month ahead of the traditional date, the I.R.S. has delayed the deadline for filing and paying taxes. The new...

Wednesday, March 31, 2021

It’s All About Bonds Long bond yields may increase for several reasons. Provided by Jamie Hansman There’s an old Wall Street maxim that says, “markets climb a wall of worry.” And these days, there’s plenty...

Monday, March 29, 2021

Volatility Tests Your Mettle Some changes may be unsettling. Provided by Jamie Hansman Most people understand that stock prices don't go straight up. But when market volatility increases, the price action can test the mettle of even...

Friday, March 26, 2021

The Many Forms of Fixed Income Looking for yield? Treasuries aren’t your only choice. Provided by Jamie Hansman You want to draw some income while preserving some of your capital. So, you decide to take a look at fixed-income...

Wednesday, March 24, 2021

The Emergence of ESG Investing How generational and societal change is influencing companies and the markets. Provided by Jamie Hansman ESG: what does that acronym stand for? Those three letters stand for "Environmental, Social, and...

Monday, March 22, 2021

Understanding Extended Care The important question: are you prepared? Provided by Jamie Hansman Addressing the potential threat of extended care expenses may be one of the biggest financial challenges for individuals who are developing...

Friday, March 19, 2021

PRESENTED BY Jamie Hansman 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...

Wednesday, March 17, 2021

Countdown to College Things to consider as a parent of a future college student. Provided by Jamie Hansman As a parent, of course you want to give your child the best opportunity for success, and for many, attending the...

Monday, March 15, 2021

Changes to Paycheck Protection Information for small business owners to consider. Provided by Jamie Hansman On Monday, Feb. 22, the White House announced several changes to the Paycheck Protection Program (PPP) that went into effect on...

Friday, March 12, 2021

Tax Efficiency in Retirement What role should taxes play in your investment decisions? Provided by Jamie Hansman Will you pay higher taxes in retirement? Do you have a 401(k) or a traditional IRA? If so, you will receive income from...

Wednesday, March 10, 2021

Spotlight Shifts to Bonds What to know about interest rates and yields. Provided by Jamie Hansman One time-tested principle of investing is, "when bond yields move higher, bond prices tend to move lower." Investors are doing a "double...

Monday, March 8, 2021

The New Inherited I.R.A. Rules Do you know what has changed for I.R.A. beneficiaries? Provided by Jamie Hansman New inherited I.R.A. rules took effect on January 1, 2020. The Setting Every Community Up for Retirement Enhancement...

Friday, March 5, 2021

Economic Predictions: What Lies Ahead? Here’s what the financial forecast may have in store. Provided by Jamie Hansman It can be easy to overlook the nation’s solid economic fundamentals when the financial media splashes...

Wednesday, March 3, 2021

Oil Prices on the Move What to know about the recent rally. Provided by Jamie Hansman At this time last year, it was still unknown that a deadly global pandemic was on the rise, eventually stalling economic growth and sending crude oil...

Monday, March 1, 2021

Retirement Seen Through Your Eyes After you leave work, what will your life look like? Provided by Jamie Hansman How do you picture your future? If you are like many contemplating retirement, your view is likely pragmatic compared to...

Friday, February 26, 2021

Should You Consider Refinancing Your Mortgage? What to consider. Provided by Jamie Hansman Are you considering refinancing your mortgage? Perhaps you want to shorten the term of your home loan. Maybe you have an adjustable-rate...

Wednesday, February 24, 2021

Retirement Questions That Have Nothing to Do With Money Think about these factors before you leave work for the last time. Provided by Jamie Hansman Retirement planning is not entirely financial. Your degree of happiness in your...

Monday, February 22, 2021

How Soon Might the Stimulus Arrive? A shot in the arm of a different kind. Provided by Jamie Hansman While many in the United States are beginning to receive vaccinations and people are starting to foresee a life after COVID-19, it...

Friday, February 19, 2021

Will Updated I.R.S. Tables Create an Opportunity for Retirees? Life expectancy table updated for the first time since 2002. Provided by Jamie Hansman If you are retired and have reached your seventies, you may have the opportunity to...

Wednesday, February 17, 2021

2020 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 December with important IRA deadlines. December 31,...

Monday, February 15, 2021

Earnings Season Gets Underway Quarterly financial reports are here. Provided by Jamie Hansman Every few months, you may hear the phrase “earnings season” as you listen to financial news. But what exactly is “earnings...

Friday, February 12, 2021

2021 Off to a Fast Start Market volatility continues into the new year. Provided by Jamie Hansman The first week of 2021 has already had many ups and downs. Just because it’s a new year doesn’t mean that the 2020 issues go...

Wednesday, February 10, 2021

Outlook 2021: Bond Prices Information you should know. Provided by Peter Livingston The 10-year Treasury yield has climbed higher since the New Year, which means that some bond prices are dropping. You may have seen the headlines that...

Monday, February 8, 2021

Tax Filing Season Is a Little Later This Year What to know and dates to remember Provided by Jamie Hansman Recently, the Internal Revenue Service (I.R.S.) announced that tax season will start a little later than usual. This year the I...

Friday, February 5, 2021

Solo 401(k) plan That’s right, you can have your own 401(k) plan – even if your business consists of just you, or you and your spouse. An Individual 401(k) plan, sometimes referred to SBO 401(k), offers you opportunities...

Wednesday, February 3, 2021

It’s Not too Late to Fund Your IRA If you’re like many investors, you’re probably looking for a way to manage your tax bill. One approach to consider is contributing the full amount to your retirement accounts....

Monday, February 1, 2021

Markets & Marriage How your investment strategy is like a long-term partnership. Provided by Jamie Hansman Your investment strategy is a lot like a marriage. One day you may feel like everything’s going swimmingly. The next day,...

Friday, January 29, 2021

5 Highlights of the New Stimulus Package What the latest round of funding may mean for you. Provided by Jamie Hansman After a bit of political posturing in December, the $900 billion Consolidated Appropriations Act of 2021 (2021 CAA)...

Wednesday, January 27, 2021

2020 IRA Deadlines Are Approaching Here is what you need to know. Provided by Peter Livingston Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. April 15, 2021...

Monday, January 25, 2021

529 Plan Contributions In most states, December 31 is an important deadline for parents and grandparents contributing to 529 plans. To qualify for a state tax credit or deduction this year related to your contribution, you may have to...

Friday, January 22, 2021

Distributions from Mutual Funds Watch Your December Statements. Provided by Jamie Hansman This time of year, you might glance at an account statement and see there has been an adjustment. But there may not be any cause for concern....

Wednesday, January 20, 2021

Navigating Your Required Minimum Distribution Understand the IRS’s calculations and tables. Provided by Jamie Hansman As much as you would like to, you can’t keep your money in your retirement account forever. These...

Monday, January 18, 2021

2021 Opens With a Bang Market volatility continues into the new year. Provided by Jamie Hansman The first week of 2021 has already had many ups and downs. Just because it’s a new year doesn’t mean that the 2020 issues go...

Friday, January 15, 2021

International Wealth Mentality Month Gear your thinking toward wealth. Provided by Jamie Hansman January is International Wealth Mentality Month, a time to remind people to make arrangements for their financial strategy.1 For a...

Wednesday, January 13, 2021

Financial Wellness Month Time to tune up your financial strategy. Provided by Jamie Hansman January is Financial Wellness Month, a time to remind people to make arrangements for their financial strategy.1 For a financial professional,...

Monday, January 11, 2021

Group Life for a Growing Business? Companies adding employee benefits may want to consider it. Provided by Jamie Hansman As companies grow and add employees, they also add employee benefits. Retirement and medical plans can be provided...

Friday, January 8, 2021

Building a Healthy Financial Foundation How many pieces do you have in place? Provided by Jamie Hansman When you read about money matters, you will sometimes see the phrase, “getting your financial house in order.” What...

Wednesday, January 6, 2021

Does Main Street Need a Wall Street Strategy? How will the self-employed strategize for retirement? Provided by Jamie Hansman As Wall Street pushes higher, a pandemic-weary Main Street is relearning how to manage cash flow with the...

Monday, January 4, 2021

Cash Balance Plans Should professional practices look into them? Provided by Jamie Hansman In corporate America, pension plans may be fading away. Only 14% of Fortune 500 companies offered them to full-time employees in 2019. In...

Wednesday, December 30, 2020

Do Our Biases Affect Our Financial Choices? Even the most seasoned investors are prone to their influence. Provided by Jamie Hansman Investors are routinely warned about allowing their emotions to influence their decisions. However,...

Monday, December 28, 2020

Retirement Blindspots Some life and financial factors that can sometimes be overlooked. Provided by Jamie Hansman We all have our “blue sky” visions of the way retirement should be, yet our futures may unfold in ways we do...

Wednesday, December 23, 2020

Coronavirus Vaccines and the Economy Hopeful markets react. Provided by Jamie Hansman As the United States sees a rise in cases of COVID-19 across the nation, news of two promising vaccines out of hundreds being tested has offered a...

Monday, December 21, 2020

Interest Rates and Your Mortgage What you need to know. Provided by Jamie Hansman With the Federal Reserve keeping interest rates at or near zero, you may wonder about your mortgage. Is it a good time to refinance or even pay off the...

Friday, December 18, 2020

What Do I Do With All of This Money? Just because it’s a nice problem, doesn’t mean it’s not still a problem. Provided by Jamie Hansman Here’s a scenario for you: You pick up what appears to be a lottery ticket....

Wednesday, December 16, 2020

A look back at 2020 thus far Presented by Jamie Hansman The year in brief. The coronavirus pandemic disrupted the global economy, global financial markets, and daily life in 2020. For investors, it was certainly an eventful year....

Monday, December 14, 2020

Speed Bumps & Headlines Focus on your overall approach during times of short-term volatility. Provided by Jamie Hansman As an investor, it can be tempting to get caught up in daily news headlines. Consider how news about the election...

Friday, December 11, 2020

TIPS for Inflation A look at these securities, in light of the Federal Reserve’s new outlook. Provided by Jamie Hansman This summer, the Federal Reserve made a key policy shift. It announced that it would focus on promoting job...

Wednesday, December 9, 2020

Facts About Medicare Open Enrollment How much do you know about the different coverage options? Provided by Jamie Hansman Medicare’s open enrollment period runs from October 15 to December 7. If you are enrolling in Medicare for...

Monday, December 7, 2020

How and When to Sign Up for Medicare Breaking down the enrollment periods and eligibility. Provided by Jamie Hansman Medicare enrollment is automatic for some. For those receiving Social Security benefits, the coverage starts on the...

Friday, December 4, 2020

Long-Term Rates Are Creeping Higher What's fueling the rally? Provided by Jamie Hansman With all the election chatter and stock market volatility, it may have been easy to miss the ongoing uptrend in long-term interest rates. The yield...

Wednesday, December 2, 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...

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...

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

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...

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...

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

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...

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...

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...