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Wednesday, October 14, 2020

Daily Insights Stocks open slightly lower as earnings season begins. Once launched by Alcoa, the unofficial start to earnings season now begins with several financial firms reporting. The S&P 500 Index opened slightly weaker Tuesday...

Wednesday, October 7, 2020

"In this world, nothing can be said to be certain, except death and taxes." When Benjamin Franklin penned this quote, he may have forgotten to add one item to this list -- market volatility. When we invest, we should always be ready...

Tuesday, October 6, 2020

As the saying goes, "50 is the new 40"—and with Americans living longer than ever before, it's not unusual for those in their 50s, 60s, or even 70s to be in their peak earning years.1 But for those who would prefer the option of...

Tuesday, October 6, 2020

By the last third of the calendar year, you're likely to have a pretty good idea of what your annual income will be and whether any major expenses or big life changes await you. This can allow you to engage in more robust tax planning,...

Tuesday, October 6, 2020

With COVID rocking the employment landscape for job-seekers, some women have taken this opportunity to reinvent themselves and take charge of their own financial futures by launching a business. Entrepreneurship is one of the most...

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Tuesday, October 6, 2020

Health savings accounts (HSAs) offer tax savings for account holders—contributions are tax-free going in, tax-free coming out (with some exceptions, discussed below), and investment gains are tax-free as well. For high net-worth...

Tuesday, September 29, 2020

The first presidential debate is tonight, September 29, with millions of people expected to tune in to see how each candidate handles the pressure. With tensions heightened amid an election that may be much closer than the polls...

Friday, September 25, 2020

In honor of October being Women’s Small Business Month, Anne took a moment to interview her good friend, Ada Pollo, CEO of Alchimie Forever. Here’s their conversation: Tell us about your business: Alchimie Forever is a...

Monday, September 21, 2020

We check in again today on some of the real-time economic data that LPL Research is monitoring to provide timely and valuable insights into the state of the US economy. Traditional economic data is often reported too slowly to pick up...

Wednesday, September 16, 2020

Global stocks look to rally. Most major Asian indexes were higher overnight following strong data on Chinese industrial activity and retail sales, although Japan’s Nikkei lagged. The Euro Stoxx 600 is higher at midday. The S&P...

Thursday, September 10, 2020

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review. Do you have a will and powers of attorney for...

Wednesday, September 9, 2020

Economic Blog In the recent LPL Market Street View video, LPL Financial’s Chief Market Strategist Ryan Detrick discusses why the recession is likely over, making it one of the shortest recessions ever. Some reasons discussed...

Tuesday, September 1, 2020

This Sunday, Warren Buffett turns 90 years young. “What can we say about one of the greatest investment minds that hasn’t already been said?” asked LPL Financial Chief Market Strategist Ryan Detrick. “We...

Tuesday, August 25, 2020

With the new school year fast approaching, and coronavirus cases still continuing to rise many parents are growing concerned about what the upcoming school year will look like. For some schools, in-person learning is expected to happen...

Tuesday, August 18, 2020

As the COVID-related economic weakness that characterized the first half of the year subsides, growth has begun to return as trillions in fiscal stimulus have helped to stabilize consumer spending. Against a backdrop of improving labor...

Wednesday, August 12, 2020

As election season heats up, we are often presented with questions regarding market returns based on the political party composition of the White House and Congress. In our Election Preview Weekly Market Commentary, we took a closer...

Wednesday, August 5, 2020

Economic Blog The 10-year Treasury yield is historically low, so low that it could climb a full 1% before the end of the year and still be the lowest year-end yield on record, with room to spare. Historically low rates come with a...

Thursday, July 30, 2020

Every year, millions of Americans celebrate the holidays with traditions such as throwing parties and buying gifts for family and friends. Unfortunately, many also participate in a tradition that lands them in debt -- spending more...

Wednesday, July 29, 2020

I hope this finds you and your family healthy and safe! We are at the midpoint of 2020, and it would be an understatement to say it’s been a challenging year so far in the United States and around the world. We’ve faced...

Wednesday, July 29, 2020

Economic Blog After carving out the first part of a “V-shaped” recovery, the US economy has leveled off somewhat in response to the latest wave of COVID-19 infections. In this week’s Weekly Market Commentary: Stalling...

Tuesday, July 21, 2020

While the 10-year Treasury yield has traded in a narrow range since early April, the equivalent real yield, represented by the yield on 10-year Treasury inflation-protected securities (TIPS), has continued to fall and could go lower....

Tuesday, July 14, 2020

AT THE MIDPOINT of 2020, we’re mindful that it’s been an extremely challenging year so far in the United States and around the globe. We’re in the midst of a pandemic that continues to impact all of us, our...

Tuesday, July 7, 2020

The Bloomberg Barclays US Aggregate Bond Index posted a solid total return of 2.9% in the second quarter of 2020, its eighth consecutive quarterly gain, and a relatively strong quarter for the broad investment-grade bond index...

Thursday, July 2, 2020

Financial goals are essential. Setting them will help you to obtain the things you want out of life as well as live the lifestyle you desire, both during your working years and in your retirement. But obtaining these goals isn't always...

Thursday, July 2, 2020

Financial Planning Update Subtract Inflation and It All Adds UpSome of us may remember the “good old days,” when gasoline prices were as low as 25¢ per gallon. Others may recall when a can of soda cost 15¢. But...

Wednesday, July 1, 2020

Market Blog What a quarter the second quarter was, with the S&P 500 Index adding 20.0%, for the best quarter since 1998 and the best second quarter since 1938. Of course, stocks fell 20% in the first quarter, so what we really have is...

Tuesday, June 23, 2020

Market Blog The US economy has made impressive progress in recent weeks. As the economy re-opens, the way we assess the recovery has changed. In March and April, we were looking for evidence that growth in COVID-19 cases was...

Tuesday, June 16, 2020

The yield on the 10-year Treasury yield has been broadly declining since the early 1980s, when it peaked over 15%, but even over that long decline there have been intermittent periods of rising rates. In fact, after periods of...

Tuesday, June 9, 2020

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 longest expansion ever and the start of a new recession. As shown in the...

Tuesday, June 2, 2020

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 generation and the fastest bear market...

Wednesday, May 27, 2020

COVID-19 reminds us that our high school seniors need a few legal docs COVID-19 has crushed the spring ritual of high school graduations. But it can also encourage graduates and their parents to prepare to meet the practicalities of...

Thursday, May 21, 2020

“This time is different” I hope this finds you well! As of this writing, we are 32 days from summer, which will undoubtably look and feel different this year. There are many aspects of our current reality that are different...

Tuesday, May 5, 2020

I recently finished reading Warren Buffett’s biography The Snowball: Warren Buffett and the Business of Life by Alice Schroeder. While many biographies have been written about the Oracle of Omaha, this one was written with...

Wednesday, April 29, 2020

Taking a walk on a wooded path, spending an afternoon in a public park, harvesting your backyard garden and even looking at beautiful pictures of Hawaii can all make us feel good. Certainly, for many of us, it’s beneficial to...

Wednesday, April 29, 2020

Waiting in a winding airport security checkpoint line is just one of many potential headaches today's travelers experience. Worrying about what to pack, what kind of identification is required, and how much cash to bring are yet others...

Monday, April 6, 2020

On March 20, 2020, the Department of Education announced terms for student loan relief for tens of millions of borrowers in response to COVID-19.1 Here are answers to some questions about the new rules. For more information and to...

Monday, April 6, 2020

In late March 2020, as the number of novel coronavirus cases in the U.S. surged past 100,000, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed into law.1 The CARES Act provides around $2.2 trillion in aid to...

Tuesday, March 31, 2020

I hope this finds you and your family healthy, safe and well! Last Friday, March 27th, President Trump signed what has become the largest emergency stimulus measure in our country’s history - a $2.2 trillion package aimed to help...

Monday, March 30, 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...

Tuesday, March 24, 2020

I hope this finds you and your family safe, healthy and doing well! Wow, how much our lives have changed in a little over a month. Not too terribly long ago we were celebrating Punxsutawney Phil not seeing his shadow and the potential...

Tuesday, March 24, 2020

With the rapid spreading of COVID-19, and more and more people either on self-quarantine or practicing social distancing, many of us are working from home. While working from home definitely has its perks – no commute! –...

Wednesday, March 18, 2020

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

Monday, March 16, 2020

Part of our communication protocol is to reach out to you when the stock markets enter bear market status - down more than 20% at closing from a previously established high. We did that near the end of last week on both the Dow Jones...

Wednesday, March 11, 2020

Economic Blog The Trump administration has recently signaled that it’s looking at temporary reduction in payroll taxes as one way it can help support the economy through any COVID-19-releated economic slowdown. Today we take a...

Tuesday, March 10, 2020

Well, it’s another crazy day in the markets, so I wanted to share a few thoughts. The price of oil has plunged, the yield on the 10-year treasury bond has hit an all-time low, and all the major US stock indices are declining...

Friday, March 6, 2020

It struck me the other day that mindfulness is the foundation of all values-based and healthy decisions - whether it’s with money and intentional spending, health and eating foods that make your body feel great and energetic,...

Friday, March 6, 2020

Installment debt, in itself, is not a bad thing. It enables us to make major purchases that would be nearly impossible to finance up front. In this consumer society, however, we're bombarded with advertisements for literally thousands...

Wednesday, March 4, 2020

Wealth can be a mixed blessing -- one that creates great opportunity as well as weighty responsibility -- especially for children. As a parent, grandparent, or concerned relative, you hope to pass on what you have learned about...

Wednesday, March 4, 2020

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 to cut its policy rate by 50 basis points (0.5%) from the 1.5-1.75%...

Monday, March 2, 2020

“The stock market takes an escalator up, and an elevator down.” – a classic Wall Street saying I hope this finds you well! Part of our communication protocol is to reach out to you when the stock markets enter...

Friday, February 28, 2020

Hi Everyone, and Happy Friday! Anne here from Curo Private Wealth. It's been a rough week for the markets, so I wanted to hop on and share a few quick thoughts prior to us all heading into the weekend. Be careful of the news in general...

Wednesday, February 26, 2020

It’s no surprise that uncertainty around the impact of coronavirus (or Covid-19) has led to increased buying pressure in longer-maturity U.S. Treasuries, pushing yields lower, but the strength of the move has been unusual. While...

Thursday, February 20, 2020

Hello, I hope this finds you well! It's February, 2020, and here is our review of what happened in the markets in January. The start of 2020 has brought increased stock market volatility. While the past four months have been...

Wednesday, February 19, 2020

Stock markets modestly lower after renewed coronavirus concern. Apple’s announcement that the coronavirus would impact sales had international markets striking a cautious tone overnight, with the technology sector getting much...

Wednesday, February 12, 2020

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 yield curve inverts when short-term interest rates move above...

Monday, February 10, 2020

As temperatures warm up, trees begin budding, and the days get longer, you probably throw open your windows and think about spring cleaning your home. As you tackle washing windows, cleaning carpets, and sorting out the garage,...

Monday, February 10, 2020

YOU SHOULD PICK INVESTMENTS (AND TEAMS) SO YOU WIN MOST OF YOUR GAMES Sports metaphors and investing are natural pairs. A good way to look at portfolio management is the NCAA March Madness tournament. As with basketball, you should...

Monday, February 10, 2020

Widows have special considerations when planning their financial future The world lost one of its greatest and most accomplished basketball players on Sunday, January 26, 2020. Early in the morning, Los Angeles Lakers legend Kobe...

Thursday, February 6, 2020

Hi everyone! Today we’ll be going over a very important, but sometimes forgotten topic; organizing your financial records. Many people struggle when they open their email or mail. They ask themselves, “Should I keep it? Do...

Wednesday, February 5, 2020

Economic Blog The 10-year U.S. Treasury yield moved to within .05% of its recent low on Friday, January 31, approaching the 1.47% mark set back in August 2019. Prospects of stabilizing global growth and progress on trade encouraged...

Tuesday, February 4, 2020

And the most important tip of all? Hire a financial advisor. Investing can be stressful, but it doesn’t have to be. If you have a portfolio that was built for you and use the help of a financial advisor, you shouldn’t be...

Friday, January 31, 2020

The Super Bowl Indicator suggests stocks rise for the full year when the Super Bowl winner has come from the original National Football League (now the NFC), but when an original American Football League (now the AFC) team has won,...

Wednesday, January 29, 2020

Market Blog 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%...

Thursday, January 23, 2020

Beyond the impact to your personal and emotional life, divorce also has a huge effect on your financial life. As you forge ahead with turning one household into two, you must split up assets with your spouse, decide on support payments...

Wednesday, January 22, 2020

ECONOMIC BLOG As the economic expansion caps its first decade, we thought it’d be a good time to check on LPL Research’s leading indicators in our Recession Watch Dashboard. As you can see in our latest update and in the...

Thursday, January 16, 2020

Hello and happy new year! I hope this finds you well! Today is Friday, January , 2020 and in about X minutes I will share a brief overview of 2019 and what we may be able to expect in this new year. Let's start with what a difference a...

Thursday, January 16, 2020

Sometimes, even highly-compensated individuals may find it difficult to achieve long-term success when it comes to managing their personal finances. Although they may attain a comfortable level of income, their focus may be on career...

Wednesday, January 15, 2020

The largest overhaul to retirement plans since 2006 is complicated The Setting Every Community Up for Retirement Enhancement Act of 2019 – the SECURE Act – passed the House of Representatives earlier this year and was...

Wednesday, January 15, 2020

Consumer inflationary pressures grew at a healthy, but manageable rate in December 2019. The core Consumer Price Index (CPI), which excludes food and energy, rose 2.3% year over year last month, around the fastest pace of the economic...

Tuesday, January 14, 2020

Insurance is an important element of any sound financial plan. Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death. WHAT ARE YOUR INSURANCE...

Tuesday, January 14, 2020

Financial planning is more than just a good idea. Research has consistently shown that people who have financial plans -- and who work with financial advisors -- save and invest far more and are nearly twice as likely to feel on track...

Tuesday, January 14, 2020

Americans, it seems, are spenders. Personal savings rates are low and many people spend beyond their means. If you're among those Americans who can't seem to save, it might be time to create a budget. A budget allows you to understand...

Tuesday, January 14, 2020

The end of a marriage is also the beginning of a new financial life. Reconsidering your financial arrangements -- whether or not your income will be reduced -- should be a priority as you adjust to your new circumstances. Some of the...

Tuesday, January 14, 2020

It’s not simply a matter of working harder; it’s much more about using your non-financial skills and talents in new ways to bring you prosperity and a greater sense of personal satisfaction. Here are five tips to follow...

Tuesday, January 14, 2020

There's no doubt about it — going through a divorce can be an emotionally trying time. Ironing out a divorce settlement, attending various court hearings, and dealing with competing attorneys can all weigh heavily on the parties...

Tuesday, January 14, 2020

As more Americans shoulder the responsibility of funding their own retirement, many rely increasingly on their 401(k) retirement plans to provide the means to pursue their investment goals. That's because 401(k) plans offer a variety...

Tuesday, December 31, 2019

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...

Tuesday, September 3, 2019

U.S. consumers are feeling especially empowered these days, despite growing pessimism about the economic outlook. As shown in the LPL Chart of the Day, Consumer Confidence Pushes Through Trade Uncertainty, the Conference Board’s...

Tuesday, August 27, 2019

U.S. leading indicators rebounded in July, a good sign for the durability of the expansion. The Conference Board’s Leading Economic Index (LEI) rose 0.5% month over month, the biggest gain since September 2018, and above...

Tuesday, August 20, 2019

We’re a week into August, and trade tensions have been the biggest driver of U.S. stocks, as we predicted in our latest Weekly Market Commentary. Markets don’t like uncertainty, and we are getting a heavy dose of it now. On...

Tuesday, August 6, 2019

It has been a great year for stocks. As of July 30, 2019, the S&P 500 Index is up more than 20% so far in 2019. To put that in perspective, since WWII only seven years have been up more than 20% by the end of July, with 1997 being the...

Tuesday, July 30, 2019

After a disappointing start to the year, financials were the top performing sector in the second quarter. And technical analysis suggests they may have more room to run. As shown in the LPL Chart of the Day, Financials Outperformance...

Tuesday, July 23, 2019

The S&P 500 Index is within 1% of our year-end fair value S&P 500 target of 3,000 after rallying 20% this year and broaching that target several times in July. We set that target in November 2018 and have maintained it since then. Now...

Tuesday, July 16, 2019

“Don’t fight the Fed.” — Marty Zwieg After Federal Reserve (Fed) Chair Jerome Powell’s congressional testimony this week, it appears at least a 25 basis point (.25%) cut is in the cards on July 31. This...

Tuesday, July 2, 2019

After the worst fourth quarter since the Financial Crisis and worst December since the Great Depression, stocks have come roaring back. In fact, the S&P 500 Index gained 17.4% the first half of the year for its best start to a year...

Tuesday, June 18, 2019

Here are five things that have caught our attention recently. Various stock markets around the globe are at new highs. “When you see places like Australia, Argentina, Brazil, Greece, Russia, and Switzerland all at or near new...

Tuesday, June 11, 2019

Last week stocks enjoyed their best week since November 2018, boosted by increasing hopes of Federal Reserve (Fed) rate cuts. Unfortunately, stocks may not be in the clear yet, as trade tensions with China linger. “While the...

Tuesday, June 4, 2019

Well, it finally happened. The S&P 500 Index pulled back more than 5% from its all-time high, marking the first 5% pullback of 2019. As we have discussed many times over the past two months, the odds were high that some type of...

Tuesday, May 28, 2019

With the bull market 10 years old and the economic cycle about to reach 10 years, the big question is how much longer can it go? To answer this question we will take a closer look at our Five Forecasters for late-cycle warnings....

Tuesday, May 14, 2019

“Compounding interest is the eighth wonder of the world.” Albert Einstein When should you start investing? Yesterday is one of the best answers we can think of. As Einstein stated in his quote, compounding interest can be...

Tuesday, May 7, 2019

What Can Star Wars Teach Us About Investing? Saturday, May 4, has been known throughout the galaxy as “Star Wars Day 2019.” That date was chosen because it’s a play on words of the famous Star Wars maxim, “May...

Tuesday, April 30, 2019

We wrote about the new record high for the S&P 500 Index Wednesday . This is such a big market event we wanted to share some additional thoughts—10 of them in fact—on this market milestone: The new high secured March 9,...

Tuesday, April 23, 2019

Leading data released recently have confirmed the U.S. economy could be digging out of its soft patch. As shown in the LPL Chart of the Day, the Conference Board’s Leading Economic Index (LEI) increased 3.1% year over year in...

Tuesday, April 16, 2019

First quarter earnings season begins this week with some big banks reporting on Friday. While we think profit growth will finish around flat overall, an improving macro backdrop points to better growth ahead. We previewed the earnings...

Tuesday, April 9, 2019

Seven has been a lucky number for U.S. stocks. The S&P 500 Index just notched its first seven-day winning streak since October 2017. As shown in the LPL Chart of the Day, this feat has occurred just seven other times in the current...

Tuesday, April 2, 2019

Seasonality could be on the bull’s side, especially after U.S. stocks’ best first quarter in 20 years. As shown in the LPL Chart of the Day, April has consistently been one of the strongest months for U.S. stocks. Over the...

Tuesday, March 26, 2019

Stocks have had quite a run since the December 24 lows, with the S&P 500 Index up 19% to within 5% of last year’s record highs. Given this move in stocks, we believe it is prudent to readjust domestic equity allocations back to...

Monday, March 18, 2019

Small cap stocks staged a furious rally to kick off 2019, with the Russell 2000 Index up nearly 18% year to date at the early March peak. Of course, you may remember that small caps were down much more than large caps at the end of...

Monday, March 11, 2019

This Saturday, March 9, 2019, marks the 10-year anniversary of the end to the worst bear market for U.S. stocks since the Great Depression. Although at that time no one could have imagined we’d be looking at the longest bull...

Monday, March 4, 2019

Slow but steady growth may win the race again as the economic expansion nears the 10-year mark. While muted growth in the current economic expansion has been frustrating at times, especially after a swift and painful downturn amid the...