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Monday, April 6, 2020

There's no doubt about it--health insurance can seem complicated. A typical policy is filled with the kind of technical jargon that sends many of us into cold sweats. Fortunately, understanding the basics of your policy isn't as...

 

Thursday, April 2, 2020

“Could there be another depression” is one of the top questions we’ve received over the past week. “Yes, we are in a recession and many are worried if things may get much worse before they get better,”...

 

Wednesday, April 1, 2020

The United States has more cases of the coronavirus than any other country, and in an attempt to stop the spread of this disease, states have closed schools and businesses throughout the country. These unprecedented shutdowns have...

 

Wednesday, March 25, 2020

The COVID-19 pandemic has caused unprecedented volatility in recent weeks that has investors and traders scrambling to assess the economic and market impact of the aggressive containment measures. This past week the CBOE Volatility...

 

Wednesday, March 18, 2020

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 30% from the highs, it has officially moved into a bear market. Yesterday, we...

 

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Thursday, March 12, 2020

Is your growing business still a one-person operation? As your company continues to grow and the workload increases, it is easy to find yourself wearing too many hats and not having enough hours in the day to accomplish everything...

 

Wednesday, March 11, 2020

The dizzying volatility over the past few weeks has left all of our heads spinning as we wait for containment efforts in the United States and elsewhere to help slow new cases of COVID-19 (coronavirus). Public health is of course our...

 

Wednesday, March 4, 2020

When you're a small business owner, you need to pay extra careful attention to both your business and personal finances. Your financial planning strategies should simultaneously encourage the success of your business while also working...

 

Wednesday, March 4, 2020

The hits keep coming, as the Federal Reserve (Fed) did an intra-meeting cut yesterday, causing stocks to sell off hard on concerns the economy is on more fragile footing than most think. Read First Emergency Rate Cut By the Fed Since...

 

Tuesday, March 3, 2020

In the wake of turbulence in the financial markets, it's worth reviewing the legal protections available for assets held by banks, credit unions, and securities dealers. Bank/savings and loan deposit accounts Generally, deposit...

 

Wednesday, February 26, 2020

The global equity weakness continued yesterday, with consecutive 3% drops for the S&P 500 Index for the first time since August 2015. It might be hard to believe, but exactly one week ago today the S&P 500 was making a new all-time...

 

Wednesday, February 19, 2020

The recent news that technology giant Apple would miss its fourth quarter 2020 revenue targets has understandably increased investor anxiety surrounding the potential economic impact of the coronavirus (now called COVID-19). Lost in...

 

Wednesday, February 12, 2020

A late month selloff in January saw the S&P 500 Index close marginally lower for the month. But stocks have taken off in February, with the S&P 500 up nearly 4% this month, as US economic data remains strong and fears over the...

 

Wednesday, February 5, 2020

Monday’s strong manufacturing report caught our attention, even as the coronavirus outbreak dominated the financial media. At 50.9, the Institute for Supply Management’s (ISM) manufacturing purchasing managers’ index...

 

Tuesday, February 4, 2020

A split-annuity strategy involves purchasing two types of annuity contracts: immediate and deferred. The immediate annuity would provide a current income stream during the early years of retirement, and the deferred annuity would have...

 

Tuesday, February 4, 2020

One of the challenges of investing during retirement is providing for annual income while balancing that need with other considerations, such as liquidity, how long you need your funds to last, your risk tolerance, and anticipated...

 

Tuesday, February 4, 2020

What is a second-income analysis? A second-income analysis involves an evaluation of the net after-tax benefit derived from a second income. For some couples, a second income is a financial necessity. For others, it is simply a means...

 

Wednesday, January 29, 2020

Fears that the deadly coronavirus would spread further around the globe intensified Monday and led to the biggest one-day drop in the S&P 500 Index since October 8, 2019. In fact, it was the first time the index moved 1% in either...

 

Wednesday, January 22, 2020

Last week in our LPL Research blog, we took a closer look at how stocks have performed during an election year. We found that since 1940, the S&P 500 Index hasn’t been lower during an election year when an incumbent president has...

 

Tuesday, January 14, 2020

The income tax benefits offered by 529 plans make these plans attractive to parents (and others) who are saving for college or K-12 tuition. Qualified withdrawals from a 529 plan are tax free at the federal level, and some states also...

 

Tuesday, January 14, 2020

Selecting a filing status is one of the first decisions you'll make when you fill out your federal income tax return, so it's important to know the rules. And because you may have more than one option, you need to know the advantages...

 

Thursday, January 9, 2020

The first five days of 2020 are in the books. Although the headlines have been quite scary, equities have picked up right where they left off last year. In fact, after the first five trading days of the new year, the S&SP 500 Index is...

 

Monday, January 6, 2020

In times of crisis, you don't want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you're protected when a financial emergency arises. One way to accomplish this is by setting up a cash...

 

Wednesday, December 18, 2019

The fourth quarter is winding down, and investors are getting nervous that volatility in the short-term lending market could flare up once again. Rates on repurchase agreements (repos) jumped in September 2019 amid a shortage of cash...

 

Tuesday, December 17, 2019

Deciding how much to pay employees is an important part of your company’s competitive strategy. Paying workers too much may cut into profitability, but insufficient compensation can result in high turnover and poor morale....

 

Wednesday, December 11, 2019

The core Consumer Price Index (CPI), which excludes food and energy prices, rose 2.3% year over year in November, just below a cycle high of 2.4% growth last reached in September 2019. Inflationary pressures have recovered noticeably...

 

Tuesday, December 10, 2019

It may be better to give than to receive, but it may be even better to give and see your generosity rewarded. Charitable giving can play a valuable role in your financial and tax strategies. A well-planned gift to charity could provide...

 

Wednesday, December 4, 2019

It has been a rough start to the most wonderful month of them all, with the S&P 500 Index down each of the first two days of December. Don’t stop believing just yet, though. Everyone knows December has usually been a good month...

 

Monday, December 2, 2019

IRA contribution limits The maximum amount you can contribute to a traditional IRA or a Roth IRA in 2020 is $6,000 (or 100% of your earned income, if less), unchanged from 2019. The maximum catch-up contribution for those age 50 or...