End-of-the-Year Money Moves

Here are some things you might consider before saying goodbye to 2019.  What has changed for you in 2019? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If notable changes occurred in your personal or professional life, then you will want to review your finances before this year ends … Read More

2019 Q3 Economic Update

In this Q3 recap: the U.S. and China intensify their trade dispute, but agree to negotiate again, the Federal Reserve cuts short-term interest rates once more, and stocks ride through some volatility to end the summer higher. Q3 Market Recap Summer doldrums? Not exactly. The third quarter brought a number of attention-getting events, and while investors took some cues from … Read More

The SECURE Act and Traditional IRA Changes

What is it? How might it affect retirement strategy? If you follow national news, you may have heard of the Setting Every Community Up for Retirement Enhancement (SECURE) Act. Although the SECURE Act has yet to clear the Senate, it saw broad, bipartisan support in the House of Representatives and could make IRAs a more attractive component of your retirement … Read More

Here’s the Prescription: How to Improve Your Financial Health

Improving someone’s financial health is a lot like improving their physical health. The challenges associated with pursuing a better financial outcome include diagnosis of the current situation, development of the appropriate course of action, and sticking with the treatment plan.

2019 Q2 Economic Update

In this Q2 recap: stocks rise, fall, and then soar, as the Federal Reserve shifts its thinking and new chapters unfold in the ongoing U.S.-China trade dispute. Q2 Market Recap The S&P 500 certainly experienced volatility during the second quarter of 2019, but it also gained 3.8% across those three months. U.S.-China trade negotiations unwound, but as the quarter ended, … Read More

2019 Q1 Economic Update

In this Q1 market recap: the Federal Reserve alters its outlook, the truce in the trade dispute holds, the real estate market strengthens, and stocks make an impressive comeback from Q4, even as growth concerns mount. The Quarter in Brief The strongest first quarter for stocks in 21 years featured all kinds of news. Central banks revised their outlook on … Read More

Understanding Market Trends – 2018 Market Recap

Michael Bernier, CFP® goes over the current state of the markets and how media headlines impact your portfolio over time. Mike compares short term market fluctuations with long term performance looking at US stocks, international developed stocks, emerging markets, and REITs.   Disclosures: Source: Dimensional Fund Advisors LP. Indices are not available for direct investment. Their performance does not reflect … Read More

2018 Q4 Economic Update

In this Q4 recap: waves of volatility hit Wall Street, trade pacts and disputes make headlines, oil takes a plunge, and the economy continues to perform well. The Quarter in Brief Wall Street saw many ups and downs in the last three months of 2018. The fourth quarter concluded with bulls and bears vying for control of the market and … Read More

Total Cost of Ownership

Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision. People rely on a lot of different information about costs to help inform these decisions. When you buy a car, for example, the sticker price indicates approximately how much … Read More

How Medigap Choices Are Changing

Plan F is fading away, and Plan G may become the most selected option. Soon, the most popular Medigap policy will no longer be sold. Seniors will lose the chance to buy Plan F in 2020 as well as the less popular Plan C.1,2 These policies cover Medicare’s Part B deductible, which is currently $183. A new federal law prevents … Read More