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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.

 

Thursday, March 21, 2019

Investing in your own business makes sense; many businesses achieve significant growth each year. However, when you consider that many small businesses fold every year, it becomes clear that banking your retirement solely on the...

 

Wednesday, March 20, 2019

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

 

Friday, March 15, 2019

Many parents teach their children the ABCs at a very young age, but do they teach them the ABCs of good credit? At certain points in life, everyone must deal with banks, loans, credit, and finances. You may have learned your lessons...

 

Wednesday, March 13, 2019

The Federal Reserve (Fed) heard the market’s alarm and shifted its stance, but the U.S. yield curve hasn’t woken up yet. As shown in the LPL Chart of the Day, the spread between 2-year and 10-year Treasury yields has...

 

Wednesday, March 6, 2019

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

 

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Tuesday, March 5, 2019

The combination of investments you choose is as important as the individual investments themselves. In fact, many experts argue that it's even more important, since the mix of various types of investments accounts for most of the ups...

 

Thursday, February 28, 2019

The Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA) was a sweeping piece of legislation that significantly changed the federal gift and estate tax and the GST tax for the years 2001 through 2010. The maximum tax...

 

Wednesday, February 27, 2019

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

 

Tuesday, February 26, 2019

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

 

Thursday, February 21, 2019

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

 

Wednesday, February 20, 2019

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

 

Tuesday, February 19, 2019

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

 

Friday, February 15, 2019

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

 

Wednesday, February 13, 2019

Germany’s benchmark bund yield is on the cusp of negative territory, a symptom of increased appetite for government debt that could eventually weigh on U.S. rates. The 10-year bund yield, which closed at 0.09% (9 basis points, or...

 

Tuesday, February 12, 2019

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

 

Wednesday, February 6, 2019

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

 

Tuesday, February 5, 2019

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

 

Wednesday, January 30, 2019

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

 

Tuesday, January 29, 2019

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

 

Wednesday, January 23, 2019

The big bounce off the December 24 lows continued last week, as the S&P 500 Index added 2.9% for the week. In fact, it has gained 2.9%, 1.9%, 2.5%, and 2.9% over the past four weeks for a total gain of 10.5%. Of course, the S&P 500 did...

 

Tuesday, January 22, 2019

Thanks to healthier lifestyles and advances in modern medicine, the worldwide population over age 60 is growing. The United Nations estimates that by 2050 the number of people aged 60 and older will have more than doubled.¹ As our...

 

Wednesday, January 16, 2019

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

 

Tuesday, January 15, 2019

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

 

Thursday, January 10, 2019

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

 

Wednesday, January 9, 2019

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

 

Tuesday, January 8, 2019

Technology has not only shrunk the tools we use, but it has also given small businesses the power to operate like big businesses. Technological tools can help small businesses get better organized, efficiently manage their finances, or...

 

Thursday, January 3, 2019

You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two? The truth is, saving for your retirement and your child's education at the same time can be a challenge....

 

Wednesday, January 2, 2019

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

 

Friday, December 28, 2018

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

 

Friday, December 28, 2018

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

 

Wednesday, December 26, 2018

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

 

Monday, December 24, 2018

Dear Valued Investor: After a mixed first half of the year and a solid third quarter, stock markets weakened considerably in the closing weeks of 2018. Turmoil in the financial markets is never a pleasant experience for investors, and...

 

Friday, December 21, 2018

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

 

Wednesday, December 19, 2018

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

 

Tuesday, December 18, 2018

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

 

Monday, December 17, 2018

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

 

Friday, December 14, 2018

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

 

Thursday, December 13, 2018

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

 

Wednesday, December 12, 2018

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

 

Tuesday, December 11, 2018

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

 

Thursday, December 6, 2018

More women are working and taking charge of their own retirement planning than ever before. What does retirement mean to you? Do you dream of traveling? Pursuing a hobby? Volunteering your time, or starting a new career or business?...

 

Thursday, November 29, 2018

You’re young, have little in savings and likely have no one yet relying on you financially. So why do you need to think about estate management?¹ Here are four great reasons: Estate Strategies: They're Not Just for the...

 

Tuesday, November 27, 2018

According to Giving USA 2017, Americans gave an estimated $390.05 billion to charity in 2016. That’s the highest total in more than 60 years since the report was first published.1 Americans give to charity for two main reasons:...

 

Tuesday, November 20, 2018

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

 

Friday, November 16, 2018

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

 

Thursday, November 15, 2018

Forty-six percent of Americans do not own any stocks or stock-related investments, such as mutual funds, according to a recent Gallup poll.¹ Individuals may cite different reasons for not investing, but with important long-term...

 

Friday, November 9, 2018

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

 

Thursday, November 8, 2018

Massive computer hacks and data breaches are now common occurrences — an unfortunate consequence of living in a digital world. Once identity thieves have your information, they can use it to gain access to your bank and credit...

 

Wednesday, November 7, 2018

Dear Valued Investor: The potential outcomes of the midterm elections have been dominating the news cycle lately, and we know from history that the markets typically do not like uncertainty. With the Democrats taking control of the...

 

Tuesday, November 6, 2018

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

 

Monday, November 5, 2018

Concerns over identity theft continue to grow, especially with news of data breaches at major companies and financial institutions. Unfortunately, you have little control over the hacking of these companies, but you do have control...

 

Friday, November 2, 2018

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

 

Thursday, November 1, 2018

Conventional wisdom says that what goes up, must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when it's your money at stake. Though there's no foolproof way to handle the ups and...

 

Wednesday, October 31, 2018

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

 

Friday, October 26, 2018

Tip: If You’re a Victim. If you think you may have had your identity stolen, take action immediately. Start by contacting the Federal Trade Commission (www.ftc.gov), where you can find information about what to do next. Many...

 

Thursday, October 25, 2018

October has been a rough month for equities, but then again it’s historically been one of the most volatile periods of the year. “October is known for volatility, and we’ve sure seen it so far,” explained Senior...

 

Wednesday, September 12, 2018

Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible. No Strategy: Yes, the biggest mistake is having no strategy at...

 

Tuesday, August 28, 2018

A flurry of new investment products, the emergence of global investing, the shift from company-funded pension plans to employee-driven retirement plans (like 401(k) plans), and uncertainty about Social Security have all contributed to...

 

Wednesday, July 25, 2018

Every year the Internal Revenue Service (IRS) releases its list of tax scams, spotlighting the myriad ways that people try to separate you from your money.¹ THE 2016 “DIRTY DOZEN” IDENTITY THEFT Using your personal...