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Tuesday, October 12, 2021

The overhang of bumping against the federal debt ceiling was lifted last week with an agreement to extend the debt ceiling through early December, helping propel stocks to a weekly gain.The Dow Jones Industrial Average increased by 1...

Monday, October 11, 2021

Medicare’s annual open enrollment period begins October 15 and ends December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. Any changes to your plan will go into...

Friday, October 8, 2021

Debates over government debt, taxes, and infrastructure have captured the attention of the nation this week. All eyes are on Washington and Wall Street as these events play out, with potentially far-reaching consequences that seem to...

Thursday, October 7, 2021

How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage.Have you switched...

Wednesday, September 29, 2021

A funny thing happened in the investment markets the other day. September was living up to its reputation as a volatile month, but then the Federal Reserve came to the rescue.The Fed concluded its Federal Open Market Committee meeting...

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Tuesday, September 28, 2021

There’s a famous saying about a hurricane starting from a butterfly flapping its wings on the other side of the world. That “butterfly effect” is certainly happening in terms of the Chinese property market’s...

Friday, September 24, 2021

How much do you know about one of the most important tools you have to help protect you and your family’s financial future? Do you want to find out? Click HERE to take a short quiz and test your life insurance knowledge today!

Thursday, September 23, 2021

Most likely, you’ve heard what’s brewing in Washington, D.C., called by one of these names.The Build Back Better Act. Or the $3.5 trillion budget reconciliation bill. Or the Jobs and Economic Recovery Plan for Working...

Wednesday, September 22, 2021

Healthcare can be one of the priciest yet essential parts of life’s journey. And yet, many struggle to utilize the financial tools that may help. Take Health Saving Accounts (HSAs), for example.In 2019, 55% of those with HSAs...

Wednesday, September 15, 2021

If you are feeling a bit confused about the direction of inflation, you’re in good company. Some of the best and brightest economists in the country are having a tough time getting their arms around the current inflation trends...

Tuesday, September 14, 2021

In a quiet week of news, stocks moved lower amid simmering concerns over the Delta variant’s effect on the progress of economic reopening.The Dow Jones Industrial Average declined 2.15%, while the Standard & Poor’s 500...

Sunday, September 12, 2021

It can be incredibly difficult to make sense of data. A report coming from one body may tell you one thing, and another report might seem to offer a wholly different perspective.Such is the case with August’s jobs numbers from...

Friday, September 10, 2021

The stock market notched its 7th straight month of gains in August, and the Standard & Poor's 500 index has set 53 new highs so far in 2021.1During August, stocks rallied as investors looked past the increased number of COVID-19...

Monday, September 6, 2021

The first Labor Day was celebrated over 100 years ago, created by the labor movement as a day to honor the achievements and contributions (both social and economic) of American workers.I’ve always found the way we celebrate to...

Saturday, September 4, 2021

It’s time for your life insurance checkup.September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1If you don’t have any life insurance, you’re not alone. Life...

Friday, September 3, 2021

The economic impact of COVID-19 has been felt from coast to coast. And, unfortunately for many pre-retirees, it could potentially impact Social Security benefits as well.A new report indicates that if Congress doesn’t take...

Thursday, September 2, 2021

The most recent stats on corporate dividends suggest that global companies are bullish on the world’s economic recovery.Dividends paid to investors are on track to hit $1.4 trillion this year and are expected to stretch even...

Wednesday, September 1, 2021

Your workplace retirement account can play a critical role in your overall retirement strategy. However, some have gone further with the accounts than others, especially recently.CNBC reported on findings that place 401(k) accounts at...

Friday, August 27, 2021

If you have a secret, don’t tell anyone at the Federal Reserve Bank. They may leak the story before you’d like.In early August, multiple regional Federal Reserve Bank presidents hit the speaking tour. They made headlines...

Thursday, August 26, 2021

Over the last year, many have seen their lives impacted by the COVID-19 pandemic. The ways in which we work, live, and communicate have drastically changed, to say the least.It’s difficult to predict what other aspects of life...

Wednesday, August 25, 2021

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 rate since August 2008. Worse, producer prices, which can be an indicator of future price...

Tuesday, August 24, 2021

The airline industry plotted a course for recovery in 2021, but recent difficulties may have put that plan into a holding pattern.While major airlines checked in with improving financial results for the second quarter, both they and...

Wednesday, August 11, 2021

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 fret about how long a market rally can continue before it runs into trouble. Worry...

Tuesday, August 10, 2021

Overcoming jitters about the Delta variant and the reintroduction of mask requirements, stocks climbed higher on strong employment data and a fresh batch of strong corporate earnings.The Dow Jones Industrial Average rose 0.78% while...

Thursday, August 5, 2021

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 world’s finest athletes go for the gold. Which leads many to wonder: what exactly...

Wednesday, August 4, 2021

With overseas investments, we remind people that, “international markets carry additional risks, which include differences in financial reporting standards, currency exchange rates, political risk, foreign taxes and regulations...

Thursday, July 29, 2021

Summer jobs are a perennial aspect of the American workforce. It’s a time when teenagers are filling out applications and, in many cases, earning wages of their own for the first time. But some of what we’ve become...

Wednesday, July 28, 2021

Corporate earnings season has begun, and the results are turning heads on Wall Street.Of the 120 companies in the S&P 500 index that reported numbers as of Friday, July 23, 89% of them beat the Street’s earnings-per-share...

Tuesday, July 27, 2021

Overcoming a COVID-related economic growth scare, stocks moved higher amid a week of strong corporate earnings reports.The Dow Jones Industrial Average rose 1.08%, while the Standard & Poor’s 500 gained 1.96%. The Nasdaq...

Thursday, July 22, 2021

It’s long been an aspirational target for entrepreneurs. It literally goes beyond “blue sky,” in terms of location, to a place no business has gone before: Outer Space!Longtime space enthusiast and entrepreneur...

Wednesday, July 21, 2021

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 just two months ago. That would be the most significant increase since 1983.1...

Wednesday, July 21, 2021

With all the attention given to inflation, stock prices, and job reports, it’s been easy to overlook the remarkable move in the bond market during the past few months.The yield on the 10-year treasury closed at 1.37% on Friday,...

Tuesday, July 20, 2021

On July 6, oil prices reached a six-year high of $76.98 a barrel. This benchmark came as the Organization of the Petroleum Exporting Countries (OPEC) and allies failed to reach an agreement regarding an increase in production.1This...

Thursday, July 8, 2021

With June officially behind us, it’s time to face the facts: we’re headed toward the second half of 2021. While there’s still plenty of time to enjoy the rest of summer, we encourage you to slow down and check up on...

Tuesday, July 6, 2021

Strong employment reports and rising consumer confidence sent the stock market broadly higher last week.The Dow Jones Industrial Average rose 1.02%, while the Standard & Poor’s 500 picked up 1.67%. The Nasdaq Composite index...

Monday, July 5, 2021

Summertime rouses our desire to hit the road (or the airport) and travel. Here are a few things you’ll want to consider before you take off.Employment Issues for Airlines: Airlines have canceled hundreds of flights due to...

Friday, July 2, 2021

The Fourth of July is just ahead – a chance for us all to get together and celebrate what makes America so special. As Americans, we have the liberty to act, speak, think, and worship freely. This precious liberty was fought for...

Thursday, July 1, 2021

Inflation is defined as the general upward price movement of goods and services in an economy. The key word is “general.” Inflation tends to be uneven and affects the price of some items more than others.If you’ve...

Tuesday, June 29, 2021

Recently, you may have seen a number of major cryptocurrencies fall thanks to a continuing sell-off that began last week. In fact, over $250 billion was lost in the crypto market alone.1It may be tempting to view this as another...

Thursday, June 24, 2021

At its June meeting, the Federal Reserve confirmed what many of us have suspected for some time: prices are rising. In fact, prices are climbing faster than many expected. In response, the Fed raised its inflation expectation to 3.4%,...

Tuesday, June 22, 2021

One of the most anticipated comebacks of 2021 isn’t an athlete, rock star, or movie franchise. It’s summer travel, and it appears to be back with a vengeance.Travel agents are working 14-hour days to meet the needs of...

Thursday, June 17, 2021

The real rate of return is an important personal finance concept to understand.It’s the rate of return on your investments after inflation. The real rate of return indicates whether you are gaining or losing purchasing power...

Tuesday, June 15, 2021

Recently, you may have seen headlines regarding the Securing a Strong Retirement Act, also referred to as the second version of the SECURE Act, or SECURE Act 2.0.As the bill moves from the House of Representatives to the Senate, many...

Friday, June 11, 2021

If there is a "silver lining" to all the inflation talk, it may be that Social Security benefits are expected to see a larger-than-normal increase in 2022.Preliminary estimates call for a 4.7% cost-of-living increase (COLA) in Social...

Wednesday, June 9, 2021

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 some promising trends emerge on the health front. The CDC is reporting the...

Tuesday, June 8, 2021

Over Memorial Day weekend, gasoline prices hit the highest for this holiday weekend since 2014.1With the Colonial Pipeline outage in the rear-view mirror and an ever-increasing number of adults vaccinated, formerly cooped-up motorists...

Tuesday, June 1, 2021

Optimism over the economic reopening and renewed enthusiasm for technology and other high-growth companies powered the stock market higher last week.The Dow Jones Industrial Average rose 0.94%, while the Standard & Poor’s...

Friday, May 28, 2021

As our nation continues to recover from the effects of COVID-19, one economic trend has been capturing news attention as of late. Consumer prices are rising amidst economic recovery. In fact, the Consumer Price Index (CPI) rose 0.8%...

Thursday, May 27, 2021

The talk is of tapering, and it’s making investors nervous.The Federal Open Market Committee (FOMC) released the minutes of its April meeting last week. The report suggested that should the economy continue to make progress, it...

Friday, May 21, 2021

Inflation can be a scary word for people who are retired. It’s code for “prices are going up, but my income may stay the same.”The most recent reading on consumer prices put inflation back into the conversation. The...

Thursday, May 20, 2021

Since the 1980s, unemployment rates have trended higher amongst men than women during a recession. In previous periods of economic downturn, this made sense. Male-dominated industries, like construction and finance, were typically...

Sunday, May 16, 2021

The San Diego Padres signed infielder Fernando Tatis, Jr., to a 14-year, $340 million contract roughly one year after the Los Angeles Dodgers inked outfielder Mookie Betts to a 12-year, $365 million deal. That brings the total to 8...

Saturday, May 15, 2021

What does it mean when two of the most powerful voices in American financial life seem to be saying two different things? In one corner, we have the “Oracle of Omaha,” investor Warren Buffett. As one of the nation’s...

Friday, May 14, 2021

Will your retirement dreams match your reality?That's perhaps the most critical question to ask people who are currently retired. Was your retirement what you expected, or was it something else?For more than 30 years, the Employee...

Thursday, May 13, 2021

A cyberattack shut down a major gas and energy pipeline supplying the East Coast of the United States for several days. The actual pipelines themselves are still functional and have since started running again, but it’s led to...

Thursday, May 13, 2021

A recent survey shows that 63% of investors are more interested in protecting their financial assets and planning for uncertainty in the future than anything else.1There are many reasons for this change, but here are a few of the most...

Tuesday, May 4, 2021

Stocks meandered around a flatline in a busy week of corporate earnings, ending the trading week slightly lower.The Dow Jones Industrial Average slid 0.50%, while the Standard & Poor’s 500 was flat (+0.02%). The Nasdaq...

Saturday, May 1, 2021

Did you know that May is Asian American and Pacific Islander Heritage Month? This year, we invite you to join us in celebrating the often-overlooked contributions of Asian and Pacific Islander Americans to this great nation.Whether we...

Thursday, April 29, 2021

Non-fungible tokens, or NFTs, have been the recipient of the latest buzz. NFTs are digital files attached to blockchain codes. If you know anything about digital currencies, you’re probably aware that these blockchain codes are...

Tuesday, April 27, 2021

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 proposed an increase in the tax on capital gains to 39.6% from 20% for those...

Saturday, April 24, 2021

Investors looking for "green shoots" to confirm that the economy is on the mend have seen plenty of examples in recent weeks. Retail sales rose 9.8% in March, the largest monthly gain since May 2020. It's important to remember that...

Thursday, April 22, 2021

Are your financial goals well-defined? While "I want to have lots of money" may sound like a great goal, it's just too vague. How much is "lots?" If you don’t know … how will you know when you have it? And will the...

Wednesday, April 21, 2021

Recently, you may have seen reports that a record-low number of homes are available for sale—roughly 1.03 million nationwide. If you compare that to the average number of homes for sale during the past 10 years, it's no surprise...

Friday, April 16, 2021

It can be exhausting trying to keep up with the whims of Wall Street.Lately, the financial markets have been fixated on federal taxes and what may be proposed on Capitol Hill in the weeks and months ahead.Wall Street’s focus on...

Thursday, April 15, 2021

If your finances are not where you would like them to be, what can you do about it? April is Financial Literacy Month. This is a great time to start picking up the pieces and learn how to rebuild with confidence. After all, a little...

Wednesday, April 14, 2021

In a speech to the Chicago Council on Global Affairs, U.S. Treasury Secretary Janet Yellen has called for a minimum corporate income tax that would be shared by countries all over the world.1The decrease of corporate tax rates around...

Thursday, April 8, 2021

Spend today, save tomorrow? Okay, we've all been there. But if it seems you're always living paycheck-to-paycheck and never able to save anything for the future, then it may be time to make a change . April is Financial Literacy Month...

Wednesday, April 7, 2021

President Joe Biden introduced the much-anticipated American Jobs Plan, which outlines an approach to spend roughly $2.2 trillion on the nation's infrastructure and other projects.As part of the legislative process, the Biden...

Tuesday, April 6, 2021

Overcoming a rocky start, stocks rallied into the close of a holiday-shortened week of trading as technology shares staged a powerful recovery and investors reacted positively to President Biden’s infrastructure spending...

Saturday, April 3, 2021

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 research by Deutsche Bank, Google searches for “inflation” are rising rapidly and...

Thursday, April 1, 2021

Previously, the Internal Revenue Service (IRS) announced that the federal income tax filing due date for individuals for the 2020 tax year had been automatically extended from April 15, 2021, to May 17, 2021.1More time for allHowever,...

Thursday, April 1, 2021

So you've prepared for your goals and you believe you are on track for your financial goals. That's wonderful. What now?April is Financial Literacy Month. If you haven't put some thought into Asset Protection Strategy, now...

Tuesday, March 30, 2021

Among the many changes arising from the pandemic, one of the most noticeable was a change in American spending habits. A survey released in March 2021 by Pew Research shows that Americans have increasingly chosen to put away what...

Friday, March 26, 2021

For those with a Dependent Care Flexible Spending Account (FSA), there may be some good news on the horizon. The American Rescue Plan Act, signed into law by President Joe Biden, boosts the amount that companies can allow workers to...

Wednesday, March 24, 2021

Less than one month ahead of the traditional date, the I.R.S. has delayed the deadline for filing and paying taxes. The new deadline is May 17, 2021.1,2,3The delay follows continued disruption from the COVID-19 pandemic and a late...

Saturday, March 20, 2021

Spring is here! And soon the landscape will turn greener and the weather warmer. Perhaps you are already thinking about what you would like to do – the trips you could take, that new look for your yard or your garden, a day at...

Thursday, March 18, 2021

Want to ensure your favorite local spots are around after the pandemic? Click here to learn more on how to support your community.

Wednesday, March 17, 2021

Stocks touched new record highs last week as bond yields steadied, a fiscal relief bill was signed into law, and confidence in a strong economic recovery grew.The Dow Jones Industrial Average gained 4.07%, while the Standard &...

Tuesday, March 16, 2021

The House of Representatives passed a $1.9 trillion relief package focused on economic relief following the COVID-19 pandemic. The bill was signed into law at the White House on Thursday.1Beyond the much-discussed $1,400 stimulus...

Wednesday, March 10, 2021

Do the days seem to be getting a bit longer? You’re correct. It is almost Daylight Saving Time. Many of the timepieces you rely on will automatically make the change thanks to their software, while your analog devices will need...

Tuesday, March 9, 2021

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 the most seasoned investor.In recent weeks, stock prices have trended lower with a few...

Monday, March 8, 2021

This year we’re celebrating International Women’s Day on March 8. In 1920, women fought for the right to vote. In 1974, single and divorced women were finally able to secure a credit card without needing a male...

Friday, March 5, 2021

I’m sure you’ve heard that the House recently passed the Senate another round of stimulus to try and counteract the economic effects of the COVID-19 pandemic. The new stimulus package could narrow income eligibility to...

Thursday, March 4, 2021

Stocks dropped amid rising long-term bond yields, with sharp declines in high-valuation growth stocks leading the overall market lower.The Dow Jones Industrial Average slipped 1.78%, while the Standard & Poor’s 500 declined...

Wednesday, March 3, 2021

One time-tested principle of investing is, "when bond yields move higher, bond prices tend to move lower." Investors are doing a "double take" on the 10-year Treasury yield, which recently topped 1.5% — its highest level in...

Tuesday, March 2, 2021

On Monday, Feb. 22, the White House announced several changes to the Paycheck Protection Program (PPP) that went into effect on Wednesday, Feb. 24. These changes are intended to further target “the smallest businesses and those...

Thursday, February 25, 2021

Imagine your ideal post-pandemic retirement with this hopeful, animated video.

Tuesday, February 23, 2021

The acronym “SPAC” is showing up more often these days because there is some big money behind the revitalized investment approach.SPAC stands for Special Purpose Acquisition Company, and they are sometimes referred to as...

Friday, February 19, 2021

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 prices into negative territory. But recently, oil prices have surged, with crude...

Wednesday, February 17, 2021

It can be easy to overlook the nation’s solid economic fundamentals when the financial media splashes stories every day about an army of amateur traders, short-selling mania, and initial public offerings (IPOs) that double in...

Tuesday, February 16, 2021

While many in the United States are beginning to receive vaccinations and people are starting to foresee a life after COVID-19, it remains clear that things aren’t yet back to normal. As a result, there has been a great deal of...

Thursday, February 11, 2021

Recently, Jeff Bezos, one of the wealthiest people in the world, announced he would take a different role at his company. Corporate moves make the news all the time, but for the largest companies, the story can jump from the business...

Wednesday, February 10, 2021

What's your "go-to" source for financial information?"Family and friends" is the #1 answer given in the annual Retirement Confidence Survey. But a close second is search engines and other online tools, including online forums like the...

Tuesday, February 9, 2021

Recently, the world has watched with great interest as a few companies have seen surprising rallies in their stock prices. You may have read stories of individual investors gaining massive returns on their investments, thanks to this...

Wednesday, February 3, 2021

Former Federal Reserve chair Janet L. Yellen was sworn in as the 78th Secretary of the Treasury on January 26, 2021. This was a moment for historical reflection, as Yellen is the first woman confirmed to this vital cabinet position...

Tuesday, February 2, 2021

You may have heard the news about stocks for certain companies suddenly ballooning, quickly going from lunch money prices to several hundred dollars a share. In one case, the shares rose over 1700% since December 2020.1 So, what...

Monday, February 1, 2021

Every February, Americans celebrate Black History Month. This year, we invite you to join us in remembering the accomplishments of black citizens, past and present, which are an integral part of American history.Whether it’s the...

Wednesday, January 27, 2021

Every few months, you may hear the phrase “earnings season” as you listen to financial news.But what exactly is “earnings season,” and why is it important to Wall Street?Earnings season is the time when a...

Saturday, January 23, 2021

Markets drifted lower last week as uninspired investors digested mixed news on the economic front.The Dow Jones Industrial Average lost 0.91% while the Standard & Poor’s 500 slid 1.48%. The Nasdaq Composite index stumbled 1...

Friday, January 22, 2021

Recently, the Internal Revenue Service (IRS) announced that tax season will start a little later than usual. This year the IRS will begin accepting and processing 2020 tax returns on Friday, February 12, 2021.1In light of the December...

Monday, January 18, 2021

This month, America honors the legacy of Dr. Martin Luther King, Jr.As we look around today, we see manifestations of that legacy in the form of stronger, more diverse communities, in the continued fight for equality, and in the...

Sunday, January 17, 2021

On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings. Although these adjustments won’t bring any major changes, there are some minor elements to note.401(k)sThe salary deferral...

Saturday, January 16, 2021

The personal savings rate in the United States, which is the amount of income left after taxes and household spending, has reached some significant milestones.In April, when much of the country stayed home to avoid the COVID-19...

Friday, January 15, 2021

As election season draws to a close, it's a great time to review what type of legislative support would be needed to pass certain policy proposals that may come forward from the Biden Administration.It's important to remember that...

Thursday, January 14, 2021

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 away, and so far, 2021 has been no exception to this rule.The markets opened on January 4 and...

Thursday, January 14, 2021

After a bit of political posturing in December, the $900 billion Consolidated Appropriations Act of 2021 (2021 CAA) was signed into law by President Trump as the COVID-19 pandemic continues to impact employers and employees...

Friday, November 20, 2020

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 ray of hope for a fatigued world.1A positive reaction to these vaccines affects every...

Tuesday, November 17, 2020

As an investor, it can be tempting to get caught up in daily news headlines. Consider how news about the election and COVID-19 vaccines have moved the markets over the past several weeks. But having a financial strategy can help you...

Thursday, November 12, 2020

After many weeks of telegraphing a long and careful ballot count, this week’s election lived up to that prediction in races for the Senate, the House, and the presidency. While Americans voted Tuesday, Wall Street cast its...

Tuesday, November 10, 2020

Now that several major news groups have projected Joe Biden the winner of the presidential election—and Congress appears divided with Democrats in control of the House and Republicans the Senate—it’s a good time to...

Thursday, November 5, 2020

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 on the 10-year Treasury bond is sitting just below 1%. Just a few short months ago, the...

Thursday, October 29, 2020

Earnings are coming in, reflecting the third quarter of 2020. However, it’s important not to jump to any conclusions about the state of the overall economy based on the results reported from a small handful of companies...

Tuesday, October 27, 2020

It should come as no surprise that the economy is the most crucial issue in the upcoming election.But here's something that may surprise you. More than 90% of investors say they plan to change their portfolio in the 12 months...

Thursday, October 22, 2020

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 changes to their portfolio due to the upcoming 2020 presidential...

Tuesday, October 20, 2020

It’s a startling statistic.45% of consumers with $100,000 or more investable assets expect to make changes to their investments due to the upcoming 2020 presidential election.1Second-guessing your investment strategy is natural,...

Thursday, October 15, 2020

On October 13, 2020, the Social Security Administration (SSA) officially announced that Social Security recipients will receive a 1.3 percent cost-of-living adjustment (COLA) for 2021. This adjustment will begin with benefits payable...

Tuesday, October 13, 2020

Applications for the Free Application for Federal Student Aid (FAFSA) are now open for the academic year 2021-22. Applying for the FAFSA allows you to qualify for grants, scholarships, and other federally-sourced aid, such as...

Thursday, October 8, 2020

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 say that the economy will be very important to them when they cast their votes.1But when voters say...

Tuesday, October 6, 2020

When training to become a financial professional, much of our course work centers on the six critical areas of creating a financial strategy. Some recognize October as Financial Planning Month, so it's an excellent opportunity to...

Thursday, October 1, 2020

Stocks were mixed last week as worries that stretched from Washington D.C., where prospects of a new fiscal stimulus bill dimmed, to Europe, which saw an increase of new COVID-19 cases.The Dow Jones Industrial Average declined 1.75%,...

Tuesday, September 29, 2020

In theory, investors understand that stock market corrections are part of the investing process. But experiencing a setback—like the one we’ve witnessed in the past four weeks—can raise a lot of shoulda, woulda,...

Tuesday, September 22, 2020

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 changes to prepare for in the next four years?"In reality, however,...

Thursday, September 17, 2020

To some, this may hardly feel like an economy headed for a bright future. But don’t tell that to home builders.Builder confidence in August jumped to an eye-popping 78 in August, according to the Housing Market Index courtesy of...

Tuesday, September 15, 2020

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 early as the end of the year.1Great news. But it seems like every few days...

Friday, September 11, 2020

Football is back, which means Summer is coming to a close, days will get shorter, and sweaters will soon be in play.This year, there was no pre-season, so professional football started in September, which coincidentally, is a...

Thursday, September 3, 2020

To some, this may hardly feel like an economy headed for a bright future. But don’t tell that to home builders.Builder confidence in August jumped to an eye-popping 78 in August, according to the Housing Market Index courtesy of...

Tuesday, September 1, 2020

The Dow Jones Industrial Average (DJIA), one of the most widely followed stock market indices, has made some key changes to its starting lineup.Salesforce.com, Amgen Inc.and Honeywell International Inc. have replaced Exxon Mobil Corp....

Thursday, August 27, 2020

Some people in recent weeks may have been feeling that “the stock market seems to be doing so well but I’m not participating.”A look behind the headlines helps tell the story.A CNBC study found that between the stock...

Tuesday, August 25, 2020

Two high-profile companies—Apple and Tesla—have announced stock splits in the past few weeks, which makes it a great time to discuss what’s involved when a company announces a stock split.Remember, any companies...

Thursday, August 20, 2020

This month, many universities and colleges are welcoming students back to campus, even if most campuses are largely online this year.But that's not all that's different. The current administration has issued an executive memorandum...

Tuesday, August 18, 2020

"Will I outlive my retirement money?" That's one of the top fears for people who are starting to prepare for their retirement years.So I have to chuckle a bit when I see headlines that say, "Here's how much money Americans think they...

Thursday, August 13, 2020

Are you one of the many retirement account holders who took a mandatory distribution this year? If so, you may be able to manage the taxes associated with Required Minimum Distributions (RMDs) from traditional IRAs and 401(k)s. There...

Tuesday, August 11, 2020

One of my favorite Wall Street quotes is from Mark Twain, who said:“October: This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June,...

Thursday, July 30, 2020

With all of the storm and stress of the year 2020, you’d be forgiven if you momentarily forgot that we’re due for another national election in November. Many states will be selecting governors, representatives, and...

Tuesday, July 28, 2020

To some, the buying and selling of a company’s stock by corporate officers and directors can be an indicator of Wall Street sentiment.In July 2020, the ratio of companies with executive buying compared with executive selling...

Tuesday, July 21, 2020

Recently, you may have heard that financial industry regulators established a new set of rules designed to guide investors who work with an investment professional. This new set of rules is called “Regulation Best...

Wednesday, July 15, 2020

In the era of COVID-19, and the financial woes it has created, I often get asked, “Why is the stock market holding up so well when the economy appears to be struggling?”To understand why the markets react — or...

Wednesday, July 8, 2020

With the economy and financial markets flashing mixed signals, it’s no wonder that lawmakers are deadlocked on whether to pass a Phase 4 of the CARES Act.More than $3 trillion in stimulus has been pushed into the economy since...

Thursday, July 2, 2020

A jump in COVID-19 cases dampened investor enthusiasm last week, sending stock prices lower on worries that rising infections could derail the economic recovery.The Dow Jones Industrial Average slumped 3.31%, while the Standard &...

Tuesday, June 30, 2020

In our uncertain climate, it’s unsurprising that when American investors are thinking about their financial strategy, that the topic of life insurance comes up.For some, it’s always been front of mind. For younger...

Friday, June 26, 2020

Americans who have been adversely affected by the COVID-19 pandemic may now be able to access retirement accounts to help cover daily expenses, penalty-free.Now, in addition to those who have lost their jobs during the COVID-19...

Tuesday, June 23, 2020

An “eye-popping” $2 trillion in cash has been stashed in deposit accounts at U.S. banks since the COVID-19 pandemic first hit the country in January.1This surge of money into banks has no precedent in history.Several...

Tuesday, June 16, 2020

The National Bureau of Economic Research (NBER) reported in recent weeks that the U.S. economy officially entered a recession in February 2020. This transition brought a 128-month expansion to an end, the longest in post World War II...

Thursday, June 11, 2020

As Americans adjust their spending habits in a rapidly changing economy, they are building cash reserves at an unprecedented rate.The Bureau of Economic Analysis reported on May 29th that the personal savings rate hit a historic 33%...

Wednesday, June 3, 2020

In recent days, we have watched as outraged and frustrated protestors spilled out into the streets of American cities. Across our communities, unhealed wounds have been brought vividly to our attention once again. Our firm is committed...

Tuesday, May 26, 2020

Upbeat comments by the Federal Reserve Chairman and more signs of an economic turnaround combined to help fuel a powerful rally in the stock market last week. The Dow Jones Industrial Average rose 3.29%, while the Standard &...

Friday, May 22, 2020

Hindsight is 20/20. It’s only human to imagine what it might have been like to turn left instead of right on some fateful day. However, that sort of daydreaming is unhelpful when investing, especially when it leads you to try...

Wednesday, May 20, 2020

Undeniably, Spring 2020 has tried the patience of investors. An 11-year bull market ended. Key economic indicators went haywire. Household confidence was shaken. The Standard & Poor’s 500, the benchmark for the broad stock...

Friday, May 15, 2020

Even in “normal” times, the news can be depressing. But these days, it can seem like there’s an awful lot to worry about. Here’s a sampling of the types of headlines I’ve seen recently: Why US hospitals...

Wednesday, May 13, 2020

The Internal Revenue Service knows that many taxpayers have had a stressful spring. So, it has reset the federal tax deadline. You now have until July 15 to file your 1040 form. July 15 is also the deadline to pay any federal taxes...

Thursday, May 7, 2020

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 the way. Thanks to the recent passage of the CARES Act, the U.S. Department of Education will...

Tuesday, May 5, 2020

The COVID-19 outbreak has put tremendous pressure on stock prices, prompting some investors to blindly and indiscriminately sell positions at a time when the entire market is trending lower. Worried investors believe "this time it's...

Thursday, April 30, 2020

American lawmakers have passed the Paycheck Protection Program and Health Care Enhancement Act, a program that will offer small business loans to employers in need of aid as a result of the COVID-19 pandemic.1,2 The bill is a $484...

Tuesday, April 28, 2020

Are you eligible for a stimulus check from the Treasury Department? As of Friday, April 24, the Internal Revenue Service said it had issued 88 million payments to individuals across the country. It plans to send out more than 150...

Thursday, April 23, 2020

Few life events are more stressful than a job loss. If you or someone you know is in this situation due to COVID-19, you’ll likely have several questions about job hunting, unemployment insurance, and health care. You may also be...

Wednesday, April 22, 2020

Thanks to COVID-19, flying is down, driving is down, and the price of fuel is way, way down. On April 20, U.S. crude oil dropped to its lowest level in more than 30 years, due to a slump in demand. That day, West Texas Intermediate...

Friday, April 17, 2020

The stock market staged a broad rally this week, buoyed by the prospect that COVID-19’s grip on the nation may be easing and news of another Federal Reserve program to help stabilize businesses. The Dow Jones Industrial Average...

Tuesday, April 14, 2020

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. However, difficult times may open doors to new possibilities. Businesses are changing their...

Wednesday, April 8, 2020

Here’s a quick refresher: a correction is defined as a decline of 10% or greater from a recent high in the financial markets. Corrections can last anywhere from days to months, but few have lasted longer. Recently, we’ve...

Monday, April 6, 2020

In light of current events and potential financial difficulties caused by the COVID-19 outbreak, the Internal Revenue Service (IRS) has postponed the 2019 federal income tax filing and payment deadline until July 15, 2020.1,2,3 Those...

Wednesday, April 1, 2020

As I’m sure you know, the $2 trillion “Coronavirus Aid, Relief, and Economic Security” (“CARES”) Act was recently signed into law. The CARES Act is designed to help those most impacted by the COVID-19...

Monday, March 30, 2020

CARES Act, which includes an estimated $2 TRILLION or more in stimulus, was signed into law. Read insights and details here.

Tuesday, March 24, 2020

In your investing lifetime, you may only see a situation like the recent novel coronavirus (COVID-19) a few times. This is a circumstance where complete candor is necessary. The truth is that we can’t yet gauge the full economic...

Thursday, March 12, 2020

What has upswings and downturns, troughs, peaks, and plateaus? Though such terms could easily describe a roller coaster ride, they are also commonly used to describe the business cycle. The business cycle – also known as the...

Tuesday, March 10, 2020

Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, “Almost any decision is better than no decision at all...

Tuesday, March 3, 2020

FILING FINAL TAX RETURNS FOR THE DECEASED When a family member passes away, there are many decisions that need to be made and many emotions to handle. The last thing anyone thinks about is taxes. Unfortunately, even the deceased...

Thursday, February 27, 2020

If you're like many small business owners, running your own business is an all-consuming endeavor. In the face of everyday demands, choosing a retirement plan for your business can become a casualty. The idea of establishing a plan...

Thursday, February 20, 2020

The Internal Revenue Service estimates that taxpayers and businesses spend 8.1 billion hours a year complying with tax-filing requirements. To put this into perspective, if all this work were done by a single company, it would need...

Thursday, February 6, 2020

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 “Dirty Dozen” Identity Theft Using your personal...

Tuesday, February 4, 2020

The reason withdrawals from an Traditional Individual Retirement Account (IRA) prior to age 59½ are generally subject to a 10% tax penalty is that policymakers wanted to create a disincentive to use these savings for anything...

Thursday, January 30, 2020

Some of us share a common experience. You’re driving along when a police cruiser pulls up behind you with its lights flashing. You pull over, the officer gets out, and your heart drops. “Are you aware the registration on...

Tuesday, January 28, 2020

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,...

Tuesday, January 21, 2020

HOW TO MAKE THE TAX CODE WORK FOR YOU By April 19, 2019, 137million taxpayers had dutifully filed their federal income tax returns.1 And they all made decisions about deductions and credits – whether they realized it. When you...

Thursday, January 16, 2020

YOUR EMERGENCY FUND: HOW MUCH IS ENOUGH? Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing, and your family ends up on a first-name basis with the nurse at urgent care. Then, as...

Tuesday, January 14, 2020

Who among us wants to pay the IRS more taxes than we have to?1 While few may raise their hands, Americans regularly overpay because they fail to take tax deductions for which they are eligible. Let’s take a quick look at the six...

Wednesday, January 8, 2020

Washington was busy this holiday season. As many of us were looking forward to some well-earned time off, new legislation was passed, and it affects some of the old rules for traditional Individual Retirement Accounts. These changes...

Wednesday, November 6, 2019

Oh November. You may be thinking about soup and turkey. We are definitely thinking about year end tax planning. You may be anxiously awaiting your daily PSL (pumpkin spice latte). We are calculating RMD's (required minimum...

Wednesday, October 2, 2019

For inquiring minds... http://www.giesassociates.com/resource-center/investment/how-stocks-work

Monday, March 25, 2019

Military families face unique challenges, making personal finance even more critical.

Thursday, March 7, 2019

Six overlooked tax deductions to help manage your tax bill.

Monday, March 4, 2019

Do you know how to set up your financial goals for success? This knight does.

Tuesday, February 19, 2019

Understanding tax strategies and managing your tax bill are an integral part of a sound financial approach.

Thursday, February 14, 2019

Bonds may outperform stocks one year only to have stocks rebound the next.

Tuesday, February 5, 2019

Getting ready for retirement? Before you can cross that bridge, you’ll need to cross some important items off your to-do list.

Thursday, January 31, 2019

While Americans are entitled to take every legitimate deduction to manage their taxes, the Internal Revenue Service (IRS) places limits on your creativity. Here are some examples of deductions from the IRS that were permitted and some...

Tuesday, January 29, 2019

An 11 year old from Bellingham, WA recently started a newsletter to bring more happiness to our city. Subscribe and be happy!

Thursday, January 24, 2019

Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.

Tuesday, January 22, 2019

When you take the time to learn more about how it works, you may be able to put the tax code to work for you. Read More

Wednesday, January 16, 2019

That big list of dreams and goals isn't the only way to look at your bucket list. View More

Thursday, December 13, 2018

Not sure what to make for Christmas Dinner this year? Find inspiration with Edible Seattle's list of recipes.

Monday, December 10, 2018

How literate are you when it comes to your finances? Brush up with these five basics. Read Here

Thursday, December 6, 2018

Ever wonder exactly how stocks work? Read on for more information. Read More

Tuesday, November 27, 2018

In order to get where you want to go, you need to know where you are. You can get a view of your financial position by generating a personal net worth statement. View Here

Tuesday, November 20, 2018

From the Dutch East India Company to Wall Street, the stock market has a long and storied history. View Here

Wednesday, November 14, 2018

Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance. Read More

Monday, November 12, 2018

Being healthy not only makes you feel good, it may also help you financially. Read More

Thursday, November 1, 2018

How do the markets usually react to elections? Was the 2016 election any different? View More

Tuesday, October 30, 2018

Understanding the cycle of investing may help you avoid easy pitfalls. Watch Now

Tuesday, October 23, 2018

One of the most basic tenets of sound investing involves the simple habit of “paying yourself first.” Read More

Wednesday, October 17, 2018

Many people have the potential to earn a small fortune during their working years. Yet some are unaware of how their annual income adds up over the years. This calculator, designed to help you estimate how much you may earn before you...

Thursday, October 4, 2018

Here is a quick history of the Federal Reserve and an overview of what it does. View More

Tuesday, October 2, 2018

Having an emergency fund may help alleviate the stress and worry associated with a financial crisis. Read More

Thursday, September 27, 2018

China owns a portion of the total outstanding debt of the U.S. Government. What does it mean? Read More

Monday, September 24, 2018

We all know the stock market can be unpredictable. We all want to know, “What’s next for the financial markets?” View More

Monday, September 17, 2018

Compound interest is the addition of interest to the principal sum of a loan or deposit, or in other words, interest on interest. Read on to see how powerful it really is. Read More

Wednesday, September 12, 2018

Financial and Healthcare Documents Read more

Monday, September 10, 2018

Pundits say a lot of things about the markets. Let's see if you can keep up. See more

Monday, September 10, 2018

MONEY DRAINING FOOD MYTHS The road to better health may sometimes involve an extra expense here and there, but you should be careful about wasting money on diet ideas with promises that are more based on myth than fact. Identified...

Thursday, August 23, 2018

Seasoned Traveler Tips

Thursday, July 12, 2018

Are you an owner of a thriving business or a medical or legal practice? Are you a highly paid executive? If you have children, at some point they may discern how wealthy you are – and in turn, learn how “rich” they...

Thursday, July 12, 2018

Whether you want to leave work at 62, 67, or 70, claiming the retirement benefits you are entitled to by federal law is no casual decision. You will want to consider a few key factors first. How long do you think you will live? If you...

Thursday, July 12, 2018

On September 7, credit reporting agency Equifax dropped a consumer bombshell. It revealed that cybercriminals had gained access to the personal information of as many as 143 million Americans between May and July – about 44% of...

Thursday, July 12, 2018

Imagine finding out that your computer has been hacked. The hackers leave you a message: if you want your data back, you must pay them $300 in bitcoin. This was what happened to hundreds of thousands of PC users in May 2017 when they...

Thursday, July 12, 2018

SMART TIP: Grilling burgers? To make your patty juicier, try dunking it in very cold water for about 20-30 seconds before placing it on the grill. WHO SAID IT? “Avoiding danger is no safer in the long run than outright exposure....

Thursday, July 12, 2018

At first glance, the rules surrounding inherited IRAs are complex. Here are some questions (and potential answers) to consider if you have inherited one or may in the future. Who was the original IRA owner? If the original owner was...

Thursday, July 12, 2018

Many households and businesses are insufficiently insured. The problem is not necessarily the quality of coverage, but the breadth and depth of it. Your own business or household may be more vulnerable than you realize. Too many people...

Thursday, July 12, 2018

Major changes may be ahead for federal tax law. At the start of November, House Republicans rolled out their plan for sweeping tax reforms. Negotiations may greatly alter the content of the bill, but here are the proposed adjustments,...

Thursday, July 12, 2018

An executive transitions into a consulting role at age 62 and stops working altogether at 65; then, he becomes a buyer for a church network at 69. A corporate IT professional decides to conclude her career at age 58; she serves as a...

Thursday, July 12, 2018

President Donald Trump signed the Tax Cuts & Jobs Act into law on December 22, and on January 1, some key details of the Internal Revenue Code will abruptly change.1 There will be night-and-day change, both figuratively and literally....

Thursday, July 12, 2018

MONTHLY NEWS AND INFORMATION FOR CURRENT AND FUTURE RETIREES JANUARY 2018 “All that is gold does not glitter, not all those who wander are lost; the old that is strong does not wither, deep roots are not reached by the frost...

Thursday, July 12, 2018

It’s not uncommon – Many a well-educated, socially conscious, environmentally friendly investor winds up buying shares of companies whose beliefs and business practices are far removed from their own. Why? Often investors...

Wednesday, July 11, 2018

Are the days of itemizing over? Not quite, but now that H.R. 1 (popularly called the Tax Cuts & Jobs Act) is the law, all kinds of itemized federal tax deductions have vanished. Early drafts of H.R. 1 left only two itemized deductions...

Wednesday, July 11, 2018

Stocks sometimes retreat. That reality can be overlooked in a long bull market. Bear markets do appear, and a deep downturn could force you to sell securities in retirement, so you can pay for necessary expenses. Right now, you might...

Wednesday, July 11, 2018

Fewer taxpayers are itemizing in the wake of federal tax reforms. You may be one of them, and you may be wondering how many receipts, forms, and records you need to hold onto for the future. Is it okay to shred more of them? Maybe not....

Wednesday, July 11, 2018

Sometimes more money can mean more problems. “Lifestyle creep” is an unusual phrase describing an all-too-common problem: the more money people earn, the more money they tend to spend. Frequently, the newly affluent are the...