Blog
What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, 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.
Should you Invest in Rental Properties in the Current Housing Market?
Investing in rental properties can prove to be a lucrative decision. But with the fluctuating housing market and an up-and-down economy, you may wonder: is now the right time to invest in rental properties?IN THIS ARTICLE:Rental...
Read MoreThe Most Unloved Bull Market in History?
What is a bull market, and more importantly, who determines if we are in one?Technically speaking, a bull market is defined as a 20% gain in a stock market index, such as the Standard & Poor's 500, from a closing low.So are we in one?...
Read MoreWall Street Focuses on Debt Ceiling
Would it surprise you to hear that investors have moved past worrying about inflation? They have, at least for now.Wall Street has shifted its attention to Washington’s budget negotiations and how the debt ceiling will be...
Read MoreThe Fed Raises Rates. Again.
Don't hold a surprise birthday party for Jerome Powell. He would hate it. And if you plan on visiting the Fed Chair, call first. He doesn't like surprises.Powell delivered on his March promise at the most recent Fed meeting by...
Read More6 Things You Can Accomplish With an Estate Plan | Eye on Money May/June 2023
We invite you to check out the new issue of Eye On Money! Inside are articles on:How to simplify your personal finances. Tips that can help make managing your finances simpler and faster.Six things you can accomplish with an...
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Market Assesses First Republic, GDP Report
Financial markets can be challenging to understand. And when markets enter a “bad news is good news” cycle, it becomes even more challenging to follow along.Stock prices rallied at the end of April after the Commerce...
Read MoreHow to Draft a Will That Passes the Test of Time
You might think you have plenty of time before you need to write your last will and testament. However, you may want to think again. No matter your age, financial circumstances or position, having a will is an important basic step that...
Read MoreGetting Started on Succession Planning
Depending on where you are in your career as an entrepreneur, a succession plan may seem like something for the far future or one of those "back-burner goals" that gradually increases in importance with each passing year...
Read MoreSearching for a Goldilocks Moment
If you're an investor looking for something to worry about, you never have to go more than a few days on Wall Street.As you can see from the accompanying chart, 11 economic reports are scheduled for release during 19 trading days in...
Read More9 Ways to Cut the Cost of Attending College | Eye on Money March/April 2023
We invite you to check out the new issue of Eye On Money! Inside are articles on:9 ways to cut the cost of attending college. Don’t miss this one if there is a college-bound student in your family.Tips to help you save for...
Read MoreWhat is FDIC Insurance?
It's natural to wonder exactly how a bank safeguards your money. Fortunately, the Federal Deposit Insurance Corporation (FDIC) insurance exists for this very reason: to help protect your funds once deposited. Read on to explore the...
Read MoreWhy Your Small Business Needs a Buy-Sell Agreement
Does your small business need a buy-sell agreement? The answer is yes — and here’s why.IN THIS ARTICLE:A buy-sell agreement stipulates how members of a business should buy out interests of another member’s shares...
Read MoreFeds Managing SVB, Inflation
For the Federal Reserve, credibility is everything. And its credibility is being tested by how it plans to manage the banking system in the days leading up to its March 21-22 meeting.Last month, Fed Chair Powell confidently told Wall...
Read MoreFed Chair Powell Can't Keep a Secret
Jerome Powell would be terrible to have in your book club because he would always reveal how the book would end.When the Fed Chair spoke following the Fed meeting in February, he said, “we’re in the early stages of...
Read MoreAre Recession Fears Fading?
Investors put the economy on recession watch when the Fed started its “higher in a hurry” push with short-term interest rates in mid-2022.After the 10-year/2-year Treasury curve inverted in July 2022, it was “all...
Read More401(k) Hardship Withdrawal vs. Borrowing from a 401(k)
401(k) hardship withdrawals vs. borrowing from a 401(k): what are the differences? And should you even consider either of these options?In This Article:The IRS allows for 401(k) hardship withdrawals under certain circumstances. However...
Read MoreEuropean Stocks At All-Time Highs
Would it surprise you that the U.K. stock market is hitting new all-time highs and several other European markets are either at new highs or approaching new all-time highs?It seems like only a few months ago, European economies...
Read More4 Major Changes to Retirement and Tax Planning Due to the SECURE 2.0 Act
In December 2022, Congress passed a whopper of a bill — the SECURE 2.0 Act — designed to make it easier to contribute to and access retirement funds.In a previous post, we provided an overview of these changes. Below,...
Read MoreIs the Bear Market Over?
"Is the bear market over?"That's a question we've been asked a number of times in recent weeks. And our answer is the same, "Let's give it a little time."But people are quick to remind us that stocks are off to a good start in 2023,...
Read MoreWeekly Market Insights January 30: Earnings and Data Tell Two Different Stories on Near Future.
Stocks added to their early 2023 gains amid a busy stream of mixed corporate earnings results and conflicting economic data.The Dow Jones Industrial Average gained 1.81%, while the Standard & Poor’s 500 added 2.47%. The Nasdaq...
Read MoreWeekly Market Insights January 23: Mixed Results Following Weak Economic Data
Stocks showed mixed results last week as recession fears resurfaced in response to weak economic data and a tepid start to a new corporate earnings season. The Dow Jones Industrial Average skidded 2.70%, while the Standard &...
Read More10 Financial Things to Review Annually | Eye on Money Jan/Feb 2023
We invite you to check out the new issue of Eye On Money! Inside are articles on:10 financial things to review annually. Help keep your finances on track and your family protected financially by reviewing these 10 things annually...
Read MoreWeekly Market Insights January 17: Inflation Cools, Stocks Warm Up
Stocks rallied last week thanks to fresh confirmation of inflation’s cooling trend and growing optimism that an inflation slowdown may provide the Fed with space to ease up on future rate hikes.The Dow Jones Industrial Average...
Read MoreWeekly Market Insights January 9: New Year's Rally in Reply to Positive Economic News
A strong Friday rally triggered by fresh signs of moderating inflation pushed stocks into positive territory to begin the new year. The Dow Jones Industrial Average rose 1.46%, while the Standard & Poor’s 500 advanced 1.45%....
Read MoreSECURE Act 2.0: An Overview
In the final days of 2022, Congress passed a new set of retirement rules designed to make it easier to contribute to retirement plans and access those funds earmarked for retirement.The law is called SECURE 2.0, and it's a follow-up to...
Read MoreSECURE Act 2.0 Passed in Final Days of 2022
Congress spent the final days of 2022 on new reforms designed to help Americans save more for retirement.You may hear the changes called SECURE Act 2.0, which is a follow-up to the Setting Every Community Up for Retirement Enhancement...
Read MoreWeekly Market Insights January 2: Erratic Holiday Trading Leaves Stocks in Doldrums
In a holiday-shortened week, erratic trading left stocks marginally down for the week.The Dow Jones Industrial Average lost 0.17%, while the Standard & Poor’s 500 slipped 0.14%. The Nasdaq Composite index fell 0.30%. The MSCI...
Read MoreOutlook 2023: What's Next for Interest Rates?
Fed officials recently have said that short-term rates will need to climb to over 5 percent to bring inflation under control. But in the table below, you can see that the bond traders say short-term rates will top out at 4.5 percent in 2023
Read MoreWeekly Market Insights December 19: Recession Concerns, Fed Talk Keep Stocks Cold
Hawkish comments by the Fed and weak economic data heightened investors’ recession concerns and sent stocks lower last week.The Dow Jones Industrial Average lost 1.66%, while the Standard & Poor’s 500 retreated 2.08%. The...
Read MoreWeekly Market Insights December 12: Stocks Slide on Recession Concerns
Recession fears and concerns that the Fed may consider a longer rate-hike cycle sent stocks lower for the week.The Dow Jones Industrial Average dropped 2.77%, while the Standard & Poor’s 500 fell 3.37%. The Nasdaq Composite index...
Read MoreTax Loss Harvesting and Qualified Dividends: Two Important Considerations for Portfolio Construction
The end of the year is a great time to review your portfolio, assess its performance, and formulate your tax-planning strategies. Here are two important considerations for your portfolio construction.In This Article:Tax loss harvesting...
Read MoreWeekly Market Insights December 5: Easing on Rate Hikes and Job Numbers Cheer Markets
Stocks ended higher last week as investors navigated the crosscurrents of a potential easing in future rate hikes and continued strength in the labor market.The Dow Jones Industrial Average edged 0.24% higher, while the Standard &...
Read MoreWeekly Market Insights November 28: Fed Talks Turkey on Lower Rates, Boosting Markets
Growing optimism that the Fed may be ready to ease future interest rate hikes sent stocks higher in a quiet trading week.The Dow Jones Industrial Average gained 1.78%, while the Standard & Poor’s 500 added 1.53%. The Nasdaq...
Read More5 Charitable Giving Strategies to Maximize Your Impact and Reduce Tax Liability
Annual giving empowers you to use your financial means for good. But there are giving strategies that allow you to give while also potentially reducing your tax liability. Today is Giving Tuesday, so let's explore five charitable...
Read More2022 Year-End Tax Planning | Eye on Money Nov/Dec 2022
We invite you to check out the new issue of Eye On Money! Inside are articles on:Year-end tax planning. You may be able to reduce your 2022 taxes if you act soon. Several tax-minimization tips and strategies for individuals are...
Read MoreWeekly Market Insights November 14: Cooling Inflation Brings Market Gains
A cooling inflation number ignited a powerful rally on Thursday, sending stocks to strong gains for the week.The Dow Jones Industrial Average gained 4.15%, while the Standard & Poor’s 500 added 5.90%. The Nasdaq Composite index...
Read MoreWeekly Market Insights November 7: Stocks Slip After Powell Comments
Hawkish comments by Fed Chair Jerome Powell, following the announcement of another 75 basis points interest rate hike last week, cast a pall over financial markets, sending yields higher and stocks lower.The Dow Jones Industrial...
Read MoreMidterm Elections can Shake Things Up
The midterm elections are underway. In many states, ballots have been delivered and, in several cases, already returned by Americans exercising one of the most sacred of their Constitutional rights.Election Day is always the Tuesday...
Read MoreNew Retirement Contribution Limits for 2023
The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels.Individual Retirement...
Read MoreWeekly Market Insights October 31: Plenty of Treats for Wall Street This Week
Stocks overcame poor earnings results from some of America’s largest companies to post gains last week as investors cheered positive earnings surprises, easing inflation and a rebound in economic growth.The Dow Jones Industrial...
Read MoreWeekly Market Insights October 24: Wall Street Flips the Script & Enjoys a Rally.
A positive start to a new earnings season and late-week hopes for a near-term easing in Fed rate hikes lifted investors’ spirits and powered stocks to gains for the week.The Dow Jones Industrial Average jumped 4.89%, while the...
Read MoreComparing Retirement Plans: Which One is Best for Tax Savings?
Which retirement plan is right for you — and how can you utilize that plan as a tax-savings strategy?The answer depends on several factors: employment status, the types of plans an employer offers, contribution and deduction...
Read MoreStubborn Inflation Tests Fed's Resolve
Stubborn doesn’t seem like a strong enough word, but that’s how Fed officials are describing inflation.Inflation's “stubbornness” has been on full display in recent weeks: First, the Producer Price Index (PPI)...
Read MoreWeekly Market Insights October 17: Volatility Reigns; Inflation Remains Unchecked
Stocks were mixed last week amid wide intra- and inter-day price swings, as technology shares bore the brunt of the downdraft.The Dow Jones Industrial Average gained 1.15% for the week. Meanwhile, the Standard & Poor’s 500...
Read MoreWeekly Market Insights October 10: Boost Early in Week Keeps Markets Ahead
A powerful two-day stock rebound cemented a positive week for investors as a new trading month began.The Dow Jones Industrial Average rose 1.99%, while the Standard & Poor’s 500 added 1.51%. The Nasdaq Composite index increased 0...
Read MoreTax Strategy: Tax Loss Harvesting
Selling a stock at a gain this year and facing a capital gains tax? Tax loss harvesting could be a beneficial strategy for reducing your capital gains tax obligation.IN THIS ARTICLE:● Tax loss...
Read More10 Things to Consider as you Near Retirement | Eye on Money Sept/Oct 2022
We invite you to check out the new issue of Eye On Money! Inside are articles on:Saving for college. Although the cost of college may be daunting, starting a college fund to help tackle the cost doesn’t have to be. These...
Read MoreWeekly Market Insights: U.S. and U.K. See Financial Turbulence
Rising recession fears and uncertainty in the bond and currency markets sent stocks to new 2022 lows last week.The Dow Jones Industrial Average declined 2.92%, while the Standard & Poor’s 500 slumped 2.91%. The Nasdaq Composite...
Read MoreWeekly Market Insights: Fallout From Powell Comments Continues
Last week, Fed Chair Powell said the U.S. would not tame inflation without economic pain. This week heightened recession fears and sent stocks broadly lower.The Dow Jones Industrial Average dropped 4.00%, while the Standard &...
Read MoreWeekly Market Insights September 19: White Hot Inflation Report Alarms Investors
A hotter-than-expected inflation report sent stocks sharply lower last week as investors faced the prospect of more aggressive interest rate hikes by the Federal Reserve for perhaps a longer period.The Dow Jones Industrial Average fell...
Read MoreLife Insurance Awareness Month
September is Life Insurance Awareness Month. If you haven’t reviewed your insurance profile in a while, you may be surprised that what made sense in the past no longer fits your life.Here are some ways to quickly evaluate your...
Read MoreIs A SIMPLE IRA Right for Your Small Business?
As a small business, it’s important to attract top talent, but without benefits like retirement plans, gaining — and keeping — valuable employees can be difficult.Fortunately, with several retirement plan options...
Read MoreWeekly Market Insights September 12: Markets Upbeat, Despite Gloomy Inflation Talk
In a holiday-shortened week of trading, stocks posted healthy gains despite more tough talk on monetary policy from Fed officials.The Dow Jones Industrial Average rose 2.66%, while the Standard & Poor’s 500 gained 3.65%. The...
Read MoreSafe Harbor 401(k): Could This Be a Better Option for Your Business than a Traditional 401(k)?
A safe harbor 401(k) is a win-win for both employers and employees. This type of retirement plan allows employers to pass up the cumbersome nondiscrimination testing requirements that traditional 401(k) plans are subject to, while also...
Read MoreThree Ways the Inflation Act Could Impact You
Have you heard? The Inflation Reduction Act was signed into law on Tuesday, August 16. While the $430 billion package includes many provisions,here are three key areas where you may benefit the most.Tax credits for energy-related home...
Read MoreWeekly Market Insights August 29: Powell comments spur sell-off on Wall Street
A comprehensive sell-off on Friday following comments by Fed Chair Jerome Powell drove stocks to losses for the week.The Dow Jones Industrial Average tumbled 4.22%, while the Standard & Poor's 500 dropped 4.04%. The Nasdaq Composite...
Read MoreWeekly Market Insights August 22: Markets Tap Brakes, But Hold Fast Against Downbeat News
Stocks tumbled on Friday, sending stocks to a weekly loss after an otherwise quiet August week of trading.The Dow Jones Industrial Average slipped -0.16%, while the Standard & Poor’s 500 lost 1.21%. The Nasdaq Composite index...
Read MoreWeekly Market Insights August 15: Stocks Have Warmer Week as Inflation Cools
An improving inflation outlook buoyed investors’ spirits last week, helping lift stocks to solid gains.The Dow Jones Industrial Average advanced 2.92%, while the Standard & Poor’s 500 rose 3.26%. The Nasdaq Composite index...
Read MoreCountdown to College
As a parent, you of course want to give your child the best opportunity for success, and for many, attending the “right” university or college is that opportunity. Unfortunately, being accepted to the college of one’s...
Read MoreWeekly Market Insights August 8: Mixed Week For Markets; Jobs On The Rise
Stocks turned in a mixed performance last week as investors struggled with headlines suggesting that the Fed was unlikely to soon ease up on its current monetary tightening policy.The Dow Jones Industrial Average slipped 0.13%, while...
Read More2022 Halftime Report: Second Half Outlook
Welcome to the final part of our 2022 Halftime Report! The goal of this 4-part report is to help you better understand what happened in the markets in the first half of 2022 and what may unfold in the months ahead. In this report,...
Read More2022 Halftime Report Part 2: A Closer Look at the Economy and Inflation
Welcome to the second part of our 2022 Halftime Report! The goal of this 4-part report is to help you better understand what happened in the markets in the first half of 2022 and what may unfold in the months ahead. In our last...
Read More2022 Halftime Report Part 3: A Closer Look at the Labor Market, China and Russia
Welcome to the third part of our 2022 Halftime Report! The goal of this 4-part report is to help you better understand what happened in the markets in the first half of 2022 and what may unfold in the months ahead. In our past two...
Read MoreWeekly Market Insights August 1: Markets Rally; Earnings Better Than Expected
Undaunted by another Fed rate hike and news of a contracting economy, the stock market rallied last week on better-than-expected corporate earnings.The Dow Jones Industrial Average increased 2.97%, while the Standard & Poor’s 500...
Read More2022 Halftime Report: Review of the First Half
Welcome to our 2022 Halftime Report! The goal of this 4-part report is to help you better understand what happened in the markets in the first half of 2022 and what may unfold in the months ahead. In this report, we'll cover a...
Read MoreWeekly Market Insights July 25: Markets React to Dim Forecast, 2Q Reports
Stocks rallied last week as investor spirits lifted thanks to a better-than-expected start to the second-quarter earnings season.The Dow Jones Industrial Average gained 1.95%, while the Standard & Poor’s 500 added 2.55%. The...
Read MoreLife Changes – Is Your Insurance Keeping Up?
When it comes to insurance policies, far too many people simply purchase a policy and put it at the back of their minds. However, circumstances change, and the policy you purchased a few years ago may no longer be the most...
Read MoreWeekly Market Insights July 18: Friday Rally Stems Week of Losses
A record-high inflation report, the prospects of a more aggressive Fed, and growing recession fears sent stocks lower– though losses were pared by a Friday rally.The Dow Jones Industrial Average slipped 0.16%, while the Standard...
Read More3 Tips for the Second Half of 2022
Now that half the year is over, it's a good time to think about what the rest of 2022 might bring. Because of inflation and economic uncertainty, many of us have had to put off or cancel trips, big purchases, and other things. It...
Read MoreWeekly Market Insights July 11: Stocks Rally Despite Mixed Data
In a holiday-shortened trading week, stocks rallied despite mixed economic data and vacillating energy prices and bond yields.The Dow Jones Industrial Average increased 0.77%, while the Standard & Poor’s 500 rose 1.94%. The...
Read MoreEstate Planning + 10 Ways to Contribute to Charity | Eye on Money Jul/Aug 2022
We invite you to check out the new issue of Eye On Money! Inside are articles on:Estate planning. Putting together an estate plan is one of the best things you can do to protect your family’s financial future, as well as your own...
Read More3 Shrewd Maneuvers in a Down Market
It’s natural to think “defense” during a bearish market season. But why not mix in some “offense” with your defense? Here are three moves we can discuss together that may be helpful during the current...
Read MoreChoosing the Right Retirement Plan for Your Small Business
When it comes to designing a retirement plan, it’s essential to explore all options to find out what is best for you and your small business. Retirement planning as a tax-savings tool is often underutilized by small business...
Read MoreWeekly Market Insights June 13: Stocks Dip on Inflation Report
A higher-than-expected inflation report triggered a sell-off on Friday, leaving stocks in the red for the week.The Dow Jones Industrial Average lost 4.58%, while the Standard & Poor’s 500 dropped 5.05%. The Nasdaq Composite index...
Read MoreSummertime Financial Checkup
Summer’s here, and the time is right for vacations, outdoor activities, and fun. It’s also a good time to consider a few financial matters. Here are some questions to ask yourself mid-year.Goals still the same for 2022? Has...
Read MoreOptimistic Sign In a Fear-Filled Market?
"Be fearful when others are greedy and greedy when others are fearful," according to legendary investor Warren Buffett.It's a great quote but complex advice to follow, especially in 2022 when stock prices are down double-digits. It...
Read MoreJune 6 Weekly Market Insights: Stocks Slip on Mixed Economic News
In a holiday-shortened week of volatile trading, stocks surrendered some of the previous week’s strong gains.The Dow Jones Industrial Average fell 0.94%, while the Standard & Poor’s 500 declined 1.20%. The Nasdaq Composite...
Read MoreLife Insurance Myths Debunked
Do you really need life insurance? Is it too expensive? Are you relying on the coverage you've purchased through work to stay with you forever? If so, you may have fallen prey to some common life insurance myths. But never fear! We're...
Read MoreMay 31 Weekly Market Insights: Confidence in Fed Helps Spark Market Rally
Stocks posted solid gains for the week, buoyed by the release of Fed meeting minutes and upbeat earnings from mid-size and discount retailers.The Dow Jones Industrial Average jumped 6.24%, while the Standard & Poor’s 500 advanced...
Read MoreWeekly Market Insights May 23: Recession Concerns Rising
Recession fears grew last week following weak earnings reports from major retailers, sending stocks lower.The Dow Jones Industrial Average fell 2.90%, while the Standard & Poor’s 500 lost 3.05%. The Nasdaq Composite index dropped...
Read MoreWeekly Market Insights April 11: Fed Signals More Aggressive Action on Interest Rates
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Weekly Market Insights March 28: Confidence Grows In Resilient Economy
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Why High Net Worth Individuals Should Consider Backdoor Roth IRAs
If you aren't eligible for a traditional IRA due to income or contribution limits, a backdoor Roth IRA might be right for you. A backdoor IRA is created by converting an existing traditional IRA to a Roth. Learn how in this post.
Read MoreWeekly Market Insights March 21: Stocks Rally in Changing Landscape
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Weekly Market Insights March 14: Ukrainian War Impacts Global Economy
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Weekly Market Insights February 28: Rocky Week After Russian Invasion
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Market Turbulence - Rates and Russia
As we discuss the primary drivers behind these recent market movements, we want to highlight the fact these types of pullbacks and the volatility associated with them are normal, considered healthy, and expected to occur from time to time.
Read MoreWeekly Market Insights February 21: Inflation and Ukraine Rattle Investors Another Week
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Landmark Financial Celebrates 20 Years
Landmark Financial is celebrating the firm’s 20th anniversary this year. The firm began in 2002 as a way to help Landmark CPAs’ clients plan more comprehensively for retirement and manage their wealth in the most tax-efficient manner. In 20
Read MoreWeekly Market Insights February 14: Inflation and Ukraine Fears Cool Markets
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State of the Markets Report: 2022 Forecasts
In our 3-part State of the Markets Report, we've looked at some of the factors affecting market performance in 2021, where we are now, and the headwinds and tailwinds that could affect the direction of economic growth and...
Read MoreWeekly Market Insights February 7: Stocks Extend Rally; Eyes On Tech
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Weekly Market Insights January 31: Volatile Week Ends On Rebound
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State of the Markets Report: Where are we Now?
In this State of the Markets Report post, let's look at where we are now and examine the headwinds and tailwinds that could affect the direction of economic growth and financial markets in 2022.
Read MoreState of the Markets Report: How Did Stocks Perform in 2021?
Let’s begin by looking back at Wall Street analysts' initial predictions for the market’s performance in 2021, how stocks actually performed in 2021, and some of the factors that drove that performance.
Read More12 Tips to Improve and Maintain Your Financial Fitness
Check out the new Eye On Money issue for tips and info on improving your financial fitness, how a divorce may affect your tax return, stopping and restarting Social Security benefits, and more!
Read MoreFinancial Wellness: Quit Wasting Money on Food Myths
A little extra money here and there isn't a bad thing, but don't spend it on diet ideas that say they'll help you get better health based on myths. Here are four ways to lose weight that may not work or be very expensive.
Read MoreYour 4% Withdrawal Strategy May Not Be Enough
YOUR 4% WITHDRAWAL STRATEGY MAY NOT BE ENOUGH Get the Tax Guidance You Need to Help Live the Retirement You Desire There’s a lot of concern among industry experts about whether the popular 4% withdrawal rule can provide enough income...
Read MoreYour 4% Withdrawal Strategy May Not Be Enough
YOUR 4% WITHDRAWAL STRATEGY MAY NOT BE ENOUGH Get the Tax Guidance You Need to Help Live the Retirement You Desire There’s a lot of concern among industry experts about whether the popular 4% withdrawal rule can provide enough income...
Read MoreWeekly Market Insights January 3: Stocks End Year Mostly Positive
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What do I do with my 401(k) When I Leave a Job?
Many people who quit their jobs are faced with the issue of what to do with their 401(k) account. Individuals who have a 401(k) account from a prior employer have four options.
Read MoreWeekly Market Insights December 6: Powell Surprises; Omicron Concerns
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What is a Split Annuity?
When financial markets become unpredictable, some investors express their dissatisfaction by departing the markets in search of safer alternatives. For example, due to market volatility, the S&P 500 lost about 20% of its value, or $5.6...
Read MoreWeekly Market Insights November 29: COVID-19 Variant Clobbers Markets
News of a new, highly virulent COVID variant triggered a market sell-off on Friday, sending stocks into negative territory for the week.The Dow Jones Industrial Average slid 1.97%, while the Standard & Poor’s 500 slumped 2...
Read MoreHow to Use the Tax Code to Your Advantage
You might be able to use the tax law to your advantage if you take the time to understand more about how it works. Let's start with two key tax concepts: credits and deductions. 2 Credits Tax credits have more clout in lowering your...
Read MorePowell News Kicks Off Volatile Season?
The holiday season is often a quiet, positive time for the financial markets. The phrase “Santa Claus Rally” was coined in the early 1970s to reflect the stock market’s upward bias during the November-January stretch...
Read MoreWeekly Market Insights November 22: Stocks Mixed on COVID-19, Powell
Stocks were mixed last week in choppy trading as investors battled the crosscurrents of good economic data and a troubling rise in COVID-19 infections globally.The Dow Jones Industrial Average slid 1.38%, while the Standard &...
Read MoreIRA Withdrawals that Escape the 10% Tax Penalty
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...
Read More2022 Contribution Limits
Preparing for retirement just got a little more financial wiggle room. This week, the Internal Revenue Service (IRS) announced new contribution limits for 2022.Staying put for 2022 are traditional Individual Retirement Accounts (IRAs)...
Read MoreWeekly Market Insights November 15: Stocks Tap the Brakes
Stocks posted small declines last week as investors digested recent stock market gains and an unexpectedly high inflation read.The Dow Jones Industrial Average slid 0.63%, while the Standard & Poor’s 500 retreated 0.31%. The...
Read MoreYear-End Charitable Gifting
Are you making charitable donations at year’s end? If so, you should know about some of the financial “fine print” involved, as the right moves could potentially bring more of a benefit to both you and your chosen...
Read MoreWeekly Market Insights November 8: Fed Says Tapering Ahead
A Federal Reserve announcement on tapering, a fresh batch of corporate profits, and encouraging economic data lifted stocks to another weekly gain.The Dow Jones Industrial Average rose 1.42%, while the Standard & Poor’s 500...
Read MoreMinimizing Your Taxes + Funding a Roth Account
We invite you to check out the new issue of Eye On Money! Inside are articles on: Year-end tax planning You may be able to reduce your 2021 taxes if you act soon. There are several tax-minimization tips and strategies for individuals...
Read MoreTax Planning for the Biden Administration
Potential Strategies to Combat Increased Taxes Many individuals are stuck in a holding pattern as they wait to see what impact the Biden Administration will have on tax regulations. The President has shared what he’d like to see...
Read MoreNovember 1 Weekly Market Insights: Earnings Build; GDP Slows
A fresh wave of positive corporate earnings surprises sent markets to new record highs last week.The Dow Jones Industrial Average increased 0.40%, while the Standard & Poor’s 500 rose 1.33%. The Nasdaq Composite index picked...
Read MoreTax Law Changes: What's In, What's Out?
While it is still too early to draw any final conclusions, Congress is getting closer to outlining what tax law changes are being considered to fund the proposed $1.75 trillion Build Back Better Plan. 1 Tax Law Changes Considered...
Read More5 Tax Planning Tips for Retirees
It's a frequent myth that once you retire, your tax bills will decrease, your tax returns will get simpler, and tax preparation will become obsolete. For some, this may be true, but for others, the combination of Social Security,...
Read MoreWeekly Market Insights October 25: Strong Week on Wall Street
Stocks rallied last week on a stream of positive corporate earnings surprises.The Dow Jones Industrial Average rose 1.08%, while the Standard & Poor’s 500 advanced 1.64%. The Nasdaq Composite index gained 1.29% for the week....
Read MoreEstate Taxes Could Be Modified Soon
Congress is exploring a number of tax code adjustments, including adjusting estate taxes, to help produce income to pay for President Biden's Build Back Better Plan. With an effective date of January 1, 2022, one of the ideas would cut...
Read MoreWeekly Market Insights October 18: Fed Unveils Tapering Plans
A strong opening to the third-quarter earnings season sparked a late week, broad-based rally that helped stocks finish the week with solid gains.The Dow Jones Industrial Average rose 1.58%, while the Standard & Poor’s 500...
Read MoreAre Capital Gains Taxes Changing?
There are many unanswered questions surrounding President Biden's Build Back Better agenda and potential tax law adjustments, such as a capital gains tax adjustment. One of the measures under consideration by Congress raises the top...
Read MoreUnderstanding Long-Term Care
One of the chief fears individuals have as they enter retirement is outliving their income. For those who need it, long-term-care costs are becoming an increasingly large portion of an individual’s annual budget. A long-term-care...
Read MoreWhy Estate Planning Is Important Today
Plan for tomorrow, today.That seems like sensible advice, doesn't it? Yet a surprising number of people leave no estate plan in place for their survivors. It makes a certain amount of sense. Nobody likes talking about death. But this...
Read MoreWeekly Market Insights October 11: Debt Ceiling Raised
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...
Read MoreOctober Is Financial Planning Month
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...
Read MoreConsiderations During Medicare’s Open Enrollment
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...
Read MoreWeekly Market Insights October 4: Stalemate in the Capitol
Higher bond yields and a legislative stalemate in Washington, D.C., added up to losses for the week.The Dow Jones Industrial Average declined 1.36%, while the Standard & Poor’s 500 lost 2.21%. The Nasdaq Composite index fell...
Read MoreFed Rescues September
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...
Read MoreWeekly Market Insights September 27: Wild Week of Contagion Concerns
Stocks prices were whipsawed last week, dragged initially lower by financial contagion worries and later lifted by a supportive Fed policy statement.The Dow Jones Industrial Average gained 0.62%, while the Standard & Poor’s...
Read MoreIs a Safe Harbor Plan Right for my Business?
Safe Harbor 401(k) plans are the most popular type of 401(k) sponsored by small businesses today. A Safe Harbor plan is a special kind of 401(k) that is exempt from nondiscrimination testing. It has certain built-in elements that help...
Read MoreHow Self-Employed People can Save with a Roth Solo 401(k)
How do you put money aside for retirement when you’re self-employed? Roth Solo 401(k): Tax-Free Retirement Income One approach to consider is a Roth Solo 401(k). It may allow you to create tax-free retirement income. You’re...
Read MoreWeekly Market Insights September 20: Stocks Lackluster Despite Positive Outlook
Stocks weakened ahead of this week’s Federal Reserve meeting and amid persistent concerns about the Delta variant’s impact on the economy.The Dow Jones Industrial Average was flat (-0.07%), while the Standard &...
Read MoreIs a SIMPLE IRA Right for You?
October 1st is the deadline for setting up a SIMPLE IRA for your business.With a SIMPLE IRA, you get a retirement plan with very low administrative costs and it’s a great tool to attract new employees and retain existing...
Read MoreBenefits Of Working With A Financial Advisor
Does everyone need a financial advisor? No. But, here are the importance of a financial advisor, for the people who really need one.
Read MoreWeekly Market Insights September 13: Delta Variant Concerns Markets
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...
Read MoreTraditional IRA vs. Roth IRA: Do you know the difference?
When it comes to picking an IRA, both traditional and Roth IRAs may play an important role in your retirement strategy.
Read MoreImportant Deadlines Coming Up + Making a Master List of Assets
We invite you to check out the new issue of Eye On Money! Inside are articles on: Catching up on retirement savings. Getting a late start on saving for retirement? These tips can help you play catch up and build your retirement savings...
Read MoreThe Solo 401(k): A Retirement Option for Small Business Owners
Do you work for yourself? Then you may want to consider the solo 401(k), which marries a traditional employee retirement savings account to a small-business, profit-sharing plan. To have a solo 401(k), you must either be the lone...
Read MoreSeptember Is National Life Insurance Awareness Month
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.1 If you don’t have any life insurance, you’re not alone. Life...
Read MoreWeekly Market Insights September 7: Data and Delta Scramble Stock Results
Stocks were mixed last week amid conflicting economic data and continued spread of Delta variant infections.The Dow Jones Industrial Average slipped 0.24% during the five trading days. But the Standard & Poor’s 500 tacked on...
Read MoreSmall Business Retirement Plan Choices
As a small-business owner, figuring out retirement choices can be a little intimidating. How do you pick the most appropriate retirement plan for your business as well as your employees? There are a number of choices when creating...
Read MoreWeekly Market Insights August 30: Powell: Tapering Likely in 2021
The stock market powered to record levels last week amid talk of Fed tapering and a deceleration in new Delta variant cases.The Dow Jones Industrial Average gained 0.96%, while the Standard & Poor’s 500 increased 1.52%. The...
Read More401(k) Millionaires
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...
Read MoreFunding a College Education
Today, a college degree is a minimum requirement for most high-skilled occupations and many parents assume that their children will continue their education after high school. Still, the average cost of a four-year college education...
Read MoreEstimating the Cost of College
It doesn’t take a degree in finance to see the cost of college continues to rise. In its 2017 report, the College Board showed that public four-year institutions raised prices an average of 3.2% annually between the 2007-08 and...
Read MoreWeekly Market Insights August 23: Will the Fed Taper in 2021?
Stocks turned lower last week amid the increasing probability of a Fed tapering, mixed economic data, and growing concerns about the economic impact of the Delta variant.The Dow Jones Industrial Average slumped 1.11%, while the...
Read MoreWeekly Market Insights: Passage of Infrastructure Boosts Stocks
Looking past inflation figures and Delta variant trends, stocks last week found a way to climb higher and set fresh record highs in the process.The Dow Jones Industrial Average rose 0.87%, while the Standard & Poor’s 500...
Read MoreStrategies For Managing Student Loan Debt
If college were a party, then student loans are the hangover. Unfortunately, the “hair of the dog” won't cure this headache, but here are some ideas for managing your student loan debt. Managing Student Loan Debt...
Read More529 Plan Contributions
More than 30 states offer potential tax benefits for 529 plan contributions. Usually, you only qualify for them by contributing to the 529 plan in your home state. If you live in Arizona, Arkansas, Kansas, Minnesota, Missouri, Montana...
Read MoreWeekly Market Insights August 9: Jobs Strong, Earnings Strong
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...
Read MoreA Cheat Sheet for Sending your Child to College
College marks a great milestone in a child’s life. It may be the first time he or she will live away from home. Dropping off your child at college may be an experience loaded with emotions, so here are a few tips for a smoother...
Read MoreConducting Your Mid-Year Financial Checkup
With July almost over, 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 your...
Read MoreAre you Financially Prepared for a New Baby?
Having a baby is an incredible experience, but it can also fill you with financial anxiety. No need to worry! Time is on your side. Check out this video about the incredible life milestone of having a baby. Developing a solid financial...
Read MoreWeekly Market Insights: Markets Overcome Delta Variant Reports
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...
Read MoreInsuring Your Second Home
An estimated 721,000 vacation homes sold last year. That's down nearly 22% from the year before.¹ When it comes to insuring your second home, you may find that the coverage you need is quite different from what you have on your...
Read MoreJuly 19 Weekly Market Insights: Stocks Retreat, Inflation Advances
Despite a good start to earnings season and some solid economic data, worries of slower second-half economic growth led to a pullback in stock prices last week.The Dow Jones Industrial Average fell 0.52%, while the Standard &...
Read MoreManaging an Inheritance
Inheriting wealth can be a burden and a blessing. Even if you have an inclination that a family member may remember you in their last will and testament, there are many facets to the process of inheritance that you may not have...
Read MoreInsurance Needs Assessment: Insurance for Newly Married Couples
Marriage changes everything, including insurance needs. Newly married couples should consider a comprehensive review of their current individual insurance coverage to determine if any changes are in order, as well as consider new...
Read MoreTrends in Charitable Giving
According to the most recent report by Giving USA, Americans gave a record breaking $471 billion to charity in 2020.1 Americans usually give to charity for two main reasons: to support a cause or organization they care about, or to...
Read MoreJuly 12 Weekly Market Insights: Stocks Edge Higher in Short Week
Stocks managed small gains as investors wrestled with concerns over economic growth prospects and a rise in COVID-19 infections.The Dow Jones Industrial Average picked up 0.24%, while the Standard & Poor’s 500 gained 0.40%....
Read MoreLandmark Financial Featured in Arkansas' Do South Magazine
Our Landmark Financial Arkansas team was recently featured in Do South Magazine in their Financial Advisor Profiles feature. Dale talked about our firm, our client experience philosophy and our love of collaboration. Read the full...
Read MoreDividing Assets in a Divorce
The latest research suggests that divorce rates in the U.S. have been falling in recent decades. Still, many people face the difficult crossroads that comes when their marriage ends.1 Getting a divorce is a painful, emotional process....
Read MoreEye on Money July/August 2021
We invite you to check out the new issue of Eye On Money! Inside are articles on: How to make the most of your charitable contributions. These tips can help you maximize your tax breaks for supporting your favorite charities. Deciding...
Read MoreWeekly Market Insights: Strong Employment Reports
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...
Read MorePrevent a Rift: Money Tips for Newlyweds
Research suggests that 70% of married millennial couples argue about financial decisions more than any other topic. This could explain why some experts say financial problems are one of the top reasons marriages fail.1,2 Fortunately,...
Read MoreAre You Ready for the Second Act of the S.E.C.U.R.E. Act?
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...
Read MoreWeekly Market Insights: Stocks Reach All-Time Highs
Stocks reached new all-time highs last week as markets staged a strong rebound from the previous week’s declines.The Dow Jones Industrial Average rose 3.44%, while the Standard & Poor’s 500 picked up 2.74%. The Nasdaq...
Read MoreThe Cryptocurrency Conundrum
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...
Read MoreAlternative Investments - Going Mainstream
Recent years have witnessed the mainstreaming of alternative investments for certain accredited investors. In fact, alternative investments are expected to grow from $13.9 trillion in 2020 to $21.1 trillion in 2025.1,2 The impetus...
Read MoreWhat Forces Are Driving the Housing Market?
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...
Read MoreA 529 Plan Might be a Great Way to Grow your College Savings and Save on Taxes
The COVID-19 pandemic has affected families’ finances in many ways. One negative impact for some families has been a disruption in their well-laid college savings plans. The economic crush of the pandemic may have put saving for...
Read MoreWeekly Market Insights: Fed Signals Interest Rate Hikes
New messaging from the Federal Reserve on interest rates and inflation last week led to a broad retreat in stock prices.The Dow Jones Industrial Average dropped 3.45% while the Standard & Poor’s 500 lost 1.91%. The Nasdaq...
Read MoreInflation Can Be a Scary Word
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...
Read MoreHow COVID-19 Caused a “She-Cession”
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...
Read MoreWeekly Market Insights: Stocks Stay Cool, Inflation Heats Up
Stocks ended the week mixed as investors appeared to shrug off a hotter-than-expected inflation report.The Dow Jones Industrial Average slipped 0.80%, while the Standard & Poor’s 500 advanced 0.41%. The Nasdaq Composite...
Read MoreInflation & Your Money
“If the current annual inflation rate is only 1.4 percent,1 why do my bills seem like they're 10 percent higher than last year?” Many of us ask ourselves that question, and it illustrates the importance of understanding how...
Read MoreInvestor Sentiment Is Shifting
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.1 There are many reasons for this change, but here are a few of the...
Read MoreWeekly Market Insights: Labor Numbers Positive
A strong, but not too strong, employment report sparked a rally on the final day of trading, propelling stocks to a modest gain for the week.The Dow Jones Industrial Average climbed by 0.66%, while the Standard & Poor’s 500...
Read MoreFour Really Good Reasons to Invest
Forty-eight percent of Americans do not own any stocks or stock-related investments, according to the most recent data available from Pew Research Center.1 Individuals may cite different reasons for not investing, but with important...
Read MoreWeekly Market Insights: Upbeat Feelings Boost Market
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...
Read MoreWhat in the World Are NFTs?
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...
Read MoreCreating a Will
Only 45 percent of adults have a will or other estate documents in place, which may not be entirely surprising.1 No one wants to be reminded of their own mortality or spend too much time thinking about what might happen once...
Read MorePlanning for the Expected
Perhaps Bette Davis said it best when she observed, “Old age is no place for sissies.”¹ The challenges seniors have met throughout their lives have made them wiser and stronger, preparing them for the unique challenges...
Read MoreEstate Planning: Put it in a Letter
American actor Lee Marvin once said, “As soon as people see my face on a movie screen, they knew two things: first, I'm not going to get the girl, and second, I'll get a cheap funeral before the picture is over.”1 Most...
Read MoreEye on Money May/June 2021
We invite you to check out the new issue of Eye On Money! Inside are articles on: How to make the most of your 401(k). These tips can help you manage your 401(k), from the moment you enroll in the plan until the time you retire....
Read MoreProblems with Probate
Many of us hope to leave something behind for our loved ones when we pass away. But the probate process is complex. To understand how to better manage potential probate fees, let’s explore what probate is and how the process...
Read MoreFour Reasons Millennials Need an Estate Strategy
You’re young, have little in savings, and might not have anyone relying on you, financially. So, why do you need an estate strategy?1Here are four great reasons: Estate Strategy: Not Just for the Elderly You need a will. You may...
Read MoreEstate Planning Checklist
Do you have an estate plan? If you don't, you aren't alone. Preparing your estate is a task most people put off because they are unsure where to start. Below is a checklist to help you get started with your estate planning. Do you have...
Read MoreAnd the Executor Is
U.S. Supreme Court Justice Warren Burger is famous for more than just his time on the bench. When he died in 1995, he left a 176-word will that gave no specific power to his executors.1 As a result, he reportedly cost his estate tens...
Read MoreA Living Trust Primer
A living trust is a popular consideration in many estate strategy conversations, but its appropriateness will depend upon your individual needs and objectives. What is a Living Trust? A living trust is created while you are alive and...
Read MoreSucceeding at Business Succession
There are a number of reasons for business owners to consider a business succession structure sooner rather than later. Let's take a look at two.
Read MoreSocial Media: The Newest Business Liability Risk
The risks that social media introduce to your business are generally not new risks, but conventional risks that are delivered in a more modern way. Here are some tips to help manage the risks.
Read MoreInsuring Your Business With a Buy-Sell Agreement
Life insurance is designed to help protect a household from the financial hardships that may follow the untimely death of a primary wage earner. But how will a death affect a small business? One way of safeguarding a business is to...
Read MoreInsuring Your Business Against Cyber Liability
One study found that 43% of cyber attacks target small business, and 60% of small companies go out of business within six months of a cyber attack.¹ Business owners are also required to protect their customers’ personal...
Read MoreProtecting Your Business with Key Person Insurance
Charles de Gaulle once remarked, “The graveyards are full of indispensable men.”¹ While we know that life goes on regardless of the loss of any “indispensable” person, for a small business, the loss of a...
Read MoreTop New Digital Tools for Small Businesses
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...
Read MoreIs a SEP-IRA Right for Your Business?
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 strategy for your business can become a casualty. The idea of establishing a plan...
Read MoreWhen Does Your Personal Car Become a Commercial Vehicle?
For small business owners, the line between the personal and their business can be a bit hazy at times. Yet, when it comes to a vehicle that may be used for personal and business-related reasons, it’s important to know how your...
Read MoreChoosing a Retirement Plan that Fits your Business
One survey found that 79% of small business owners expect at least some of their retirement income to come from tax-advantaged retirement savings accounts.1 If you have yet to develop a retirement plan for your business, or if you're...
Read MoreThe Art of Rebalancing
Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is this the best approach? It may sound counterintuitive, but it may be possible to have too much of a good thing. Over time, the...
Read MoreValue vs. Growth Investing
Looking at their recent track records doesn’t do much to settle the debate about value stocks vs. growth stocks. Over the past decade, as a whole, value stocks have not performed as well as growth stocks.1 But looking at a larger...
Read MoreDiversification vs. Asset Allocation: What’s the Difference?
I’m sure you’ve heard the terms “asset allocation” and “diversification” used in the same sentence, but they are very different concepts that every investor should understand. Asset allocation refers...
Read MoreVolatility Tests Your Mettle
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...
Read MoreThe Connection Between Bonds and Interest Rates
You may occasionally hear “talking heads” on the news discuss the bond market, but too often, these news reports use confusing language and obscure terms. Many important drivers affect the bond market, and one key concept...
Read MoreEye on Money March/April 2021
Check out the new Eye On Money issue for info and tips on protecting your finances, your child’s investment income and taxes, charitable gifts that pay you income, and more! How to protect your finances. These tips may help...
Read MoreThe Shadow of Inflation
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 receive a stimulus check, while expanding...
Read MoreThe Many Parts of Risk
Investing involves risk. But in the world of finance, risk can take many forms. Here are a few types of risk that I look at when considering any potential investment: Business risk. How healthy is the company behind the investment?...
Read MoreSPACs Take Center Stage
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...
Read MoreWhat’s the Buzz with Bitcoin?
Hardly a day goes by that the topic of bitcoin or other cryptocurrency assets doesn’t come up in meetings with clients and prospects or from friends and relatives who want to know, “what all the buzz is about?”The...
Read MoreEarnings Season Gets Underway
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...
Read MoreOutlook 2021: Bond Prices
The 10-year Treasury yield has climbed higher since the New Year, which means that some bond prices are dropping. You may have seen the headlines that say, “10-Year Yields Over 1%.”For some, the first time they experience...
Read MoreHow Income Taxes Work
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...
Read MoreMarkets Roiled by Recent Events
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...
Read MoreHow the Internet Gamed Wall Street’s Short Sellers
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...
Read MoreGetting a Head Start on College Savings
The U.S. Department of Agriculture estimates a middle-income family with a child born today can expect to spend about $285,000 to raise that child to the age of 17.1 That’s roughly equivalent to the median value of a new home in...
Read MoreDo Your Kids Know The Value of a Silver Spoon?
You taught them how to read and how to ride a bike, but have you taught your children how to manage money? One study households with student loan debt showed that the average amount owed was $47,671.1 And more than 20% of recipients...
Read MorePersonal Savings Rate
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...
Read MoreYour 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 you’re driving to work, you see smoke...
Read More2021 Off to a Fast Start
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 traded lower out of...
Read MoreEye on Money January/February 2021
We invite you to check out the new issue of Eye On Money! Inside are articles on: What to do in the year before retirement. The decisions you make in the year before retirement regarding your retirement accounts, pensions, Social...
Read MoreAccounting and Wealth Management Firm Monheit Frisch Group Joins Landmark
Landmark PLC, Certified Public Accountants and Landmark Financial, LLC (collectively, Landmark), are pleased to announce that the leadership and staff of Arizona-based firm Monheit Frisch have joined the Landmark team effective January...
Read More2020 Tax Planning: Converting to a Roth IRA and the AMT
In the last few weeks, we’ve covered a variety of tax planning tips on our blog. Today, we wrap up the series with our final topic, which includes Roth IRA considerations and the alternative minimum tax. If you missed our...
Read MoreThinking of You During the Holidays
For many of us, 2020 has been a year unlike any other. For some, it’s brought hardships that have tested the hardiest of souls. For others, it has brought unspeakable loss. Yet, we press on, and as we do, we may be surprised to...
Read MoreWeekly Market Insights: Cases Rise, Stocks Retreat
Stocks retreated last week on rising COVID-19 infections and slow progress on an economic relief bill.The Dow Jones Industrial Average dipped 0.57%, while the Standard & Poor’s 500 dropped 0.96%. The Nasdaq Composite index...
Read More2020 Tax Planning: Minimize Taxes on your Estate and Inherited Retirement Accounts
There is still time to potentially reduce your 2020 federal income taxes, but you'll need to act soon. There are several tax minimization strategies for individuals including timing your income and deductions, making the most of your...
Read More2020 Tax Planning: Keep Taxes to a Minimum on the Investments in your Taxable Accounts
There is still time to potentially reduce your 2020 federal income taxes, but you'll need to act soon. There are several tax minimization strategies for individuals including timing your income and deductions, making the most of your...
Read MoreWill the Grinch Steal Christmas?
The start of the holiday shopping season can provide important clues about the economy's state and, more importantly, overall consumer confidence. So far, the results have been a “mixed bag” with empty malls and busy...
Read More2020 Tax Planning: Be Smart About Your Donations
There is still time to potentially reduce your 2020 federal income taxes, but you'll need to act soon. There are several tax minimization strategies for individuals including timing your income and deductions, making the most of your...
Read MoreSpeed Bumps & Headlines
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...
Read More2020 Tax Planning: Make the Most of your Retirement and Health Savings Accounts
There is still time to potentially reduce your 2020 federal income taxes, but you'll need to act soon. There are several tax minimization strategies for individuals including timing your income and deductions, making the most of your...
Read MoreElection 2020: Biden’s Policy Initiatives
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...
Read More2020 Year-End Tax Planning: Time your Income and Deductions
There is still time to potentially reduce your 2020 federal income taxes, but you'll need to act soon. There are several tax minimization strategies for individuals including timing your income and deductions,making the most of your...
Read MoreSix Most Overlooked Tax Deductions
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...
Read MoreElection 2020: Be Confident. Be Bold. Be Patient
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...
Read MoreA Primer on Irrevocable Life Insurance Trusts
I’m proud to pay taxes in the United States; the only thing is, I could be just as proud for half the money."Entertainer Arthur Godfrey1 The irrevocable life insurance trust (ILIT) can be an important estate strategy tool that...
Read MoreElection 2020: A Dose of Patience
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...
Read MoreThe Cost of Medical Care
When uninsured people end up in the hospital, “sticker shock” can follow. Just a quick look at the current prices for medical procedures can be sobering. How much does a CT scan cost? Between $250 to $1,500, depending on...
Read MoreElection 2020: Managing Your Emotions
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,...
Read MoreDisability and Your Finances
The Social Security Disability Insurance program is projected to pay out approximately $133 billion in benefits in 2020. And with new applicants each year, the system is expected to exhaust its reserves at the end of 2035 if changes...
Read MoreElection 2020: Economic Issues in the Crosshairs
It should come as no surprise to hear the economy is the top issue for voters in the 2020 election. Nearly 8 in 10 voters say that the economy will be very important to them when they cast their votes.1 But when voters say...
Read MoreOctober Is Financial Planning Month
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...
Read MoreIs Term Life Insurance for You?
Term insurance is the simplest form of life insurance. It provides temporary life insurance protection on a limited budget. Here’s how it works: When a policyholder buys term insurance, they buy coverage for a specific period of...
Read MoreHome Improvements Trending Higher
Due to COVID-19, Americans are spending more time at home than ever before, leading to a record amount of spending on home improvement.1It’s not that big of a surprise since many Americans now find their homes are doing triple...
Read MoreWhat is Tax-Loss Harvesting?
Tax-Loss Harvesting A useful year-end move to counteract capital gains. Even though this may end up being a subpar year for stocks, you may realize capital gains, which is a taxable event. What can you do about them? You can do what...
Read MoreHave you been Thinking about Life Insurance?
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...
Read MoreAssess Your Life Insurance Needs
If your family relies on your income, it’s critical to consider having enough life insurance to provide for them after you pass away. But too often, life insurance is an overlooked aspect of personal finances. In fact, according...
Read MoreEye on Money September/October 2020
We invite you to check out the new issue of Eye On Money! Inside are articles on: 529 education savings plans. Do not miss this one if you want to help your child, grandchild, or other loved one save for college! When to review your...
Read MoreDow 30 Changes Its Starting Lineup
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....
Read More“Backdoor" Roth IRAs
You can sum up the appeal of a Roth IRA in three words: federal tax benefit. Potential earnings in a Roth IRA grow tax-free as long as the owner abides by the Internal Revenue Service (IRS) rules, and withdrawals are federally tax-free...
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