Personally Invested In Your Future™

Exit Strategies for Business Owners

After years spent launching and growing your business, the day will finally arrive when you can sit back and enjoy the fruits of your labor. But, just as starting your business involved hard work and planning, the process of exiting your firm can be a long and challenging process. Many entrepreneurs put off making decisions about the disposition of the business until their

Jun 02
Market Update

Markets higher after holiday – Following the big gains in US equities last week, the S&P 500 Index opened above the 3000 level for the first time since early March. Asian and European markets fared better as well, with Japan a standout. Moreover, WTI crude prices are higher after a solid four-week showing. Meanwhile markets remain supported by signs of recovery as more

May 26
Are You Prepared for Another Market Downturn?

We have experienced a significant rebound in investment returns since late March, but if current conditions worsen are you prepared for another market downturn? The S&P 500 Index is up roughly 30% from its low on 3/23/2020. The chart below from CNBC is a visual representation of the last eight months. That is a remarkable rebound, and we are encouraged to see that.

May 21
Retiring Business Owners – Plan for Succession

If you’re a small business owner, you’ve invested a great deal of time and effort into building your company. With day-to-day demands, it may be difficult to imagine your eventual transition into retirement. Yet, if you want to build personal financial security and ensure business continuation, it is important to plan ahead. Business succession planning can help create retirement income for a retiring

May 19
The Small Business’s Guide to Surviving the Coronavirus Pandemic

Whether your business has been temporarily closed by a state shelter-in-place order or is still operating as a provider of essential services, balancing your revenue needs with protecting the safety of your employees and customers can be an unprecedented challenge. Learn more about some of the resources available to help small businesses survive this pandemic, as well as steps businesses can take to keep employees healthy and

May 12
What You Need to Know About Enrolling for Medicare

It is important to stay in the know about knowing when to enroll in Medicare. According to, when you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that: • Begins 3 months before

May 05
Negative Oil Futures Price Creates Confusion

Headlines had oil selling at -$37.63 per barrel at close on Monday, April 20. The negative sign in front? Sellers had to pay buyers $37.63 to take the oil off their hands. Except this wasn’t the price of oil. It was the price of a useful financial instrument, called a futures contract, in this case a contract for delivery of oil in May

Apr 22
The Importance of Financial Planning During a Bear Market

Financial planning is never more valuable than it is during times like these. But it needs to be an ongoing process rather than a one-time event. The best way to illustrate this is to get specific. Here is a short video that explains how we’ve been working with our clients and the type of planning we’ve done:   Recession Preparation For more than

Apr 17
How the Stock Market Moves Ahead of the Economy

As an investor, you may be observing a couple things. First, the stay-at-home orders and the timeline pertaining to COVID-19 are being extended out. Second, there is a general sense that the news is going to get worse before it gets better. So, given that, why not take some money out of the market and wait for things to start to turn around?

Apr 14
An Economy in Hibernation

With 90% of the country now in lockdown to slow the spread of COVID-19, large swaths of the economy and small businesses are in dire need of assistance for survival. To provide this support, a slew of policies are being implemented by the government, including the CARES Act that was signed into law on Friday, March 27. We have some practical recommendations we want

Apr 08
How Should You Invest Cash in a Volatile Market?

If you have cash to invest – now or in the near future – what is the best way to do that? This is a common question we’ve heard over the years, and it is particularly important at this point in time. The major market indices are down roughly 20% year-to-date and smaller company stock indices have lost 30%. But, even more importantly,

Apr 02
The CARES Act Key Components

Here are the key components of The CARES Act: INDIVIDUAL ASSISTANCE Recovery Rebates Provides all U.S. residents with an adjusted gross income of $75,000 or less $1,200 for singles and heads of households ($2,400 for married couples filing joints returns). The rebate is phased out by $5 for every $100 over $75,000 that an individual receives, and phased-out completely for incomes exceeding $99,000

Apr 01
Market Commentary: The Good, the Bad & the Ugly

It is anything but business as usual in the U.S. and around the world today. With 1 in 3 Americans in lock down and most of the population trying to stay at home and practice social distancing, our wallets are shut not because we want them to be, but out of necessity for health reasons. Here are our most recent market commentary and

Mar 25
The Retirement Tax Filter

In retirement, most people have much more control over taxes than they did prior to retiring. The reason for that is that there are a number of different buckets in which to pull money from; each with their own type of tax treatment. We’ve developed a tool called the Retirement Tax Filter to help ensure you maximize your lower tax bracket without creeping

Mar 24
Eleven Ways to Help Yourself Stay Sane in a Crazy Market

Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. It’s useful to have strategies in place that prepare you both financially and psychologically to handle market volatility. Here are 11 ways to help keep yourself from making hasty decisions that could have a long-term impact on your ability to achieve your financial goals.

Mar 17
Coronavirus – Week in Review

Well, there is no sugar coating the past two weeks in world stock markets or the coronavirus (COVID-19) pandemic. The big indexes are down 20% from recent February highs. The coronavirus and the economic implications of reduced normal daily activity are very real. Driving to work this morning, the roads were quiet. Families are altering Spring Break plans. Warren Buffett moved his big

Mar 15
Sharply higher open, futures up “limit.”

This morning’s gains come after one of the biggest one-day declines in stock market history yesterday that dragged the S&P 500 Index into bear market territory, ending the longest bull market in history. Traders are taking their cues this morning from improving prospects for a stimulus package out of Washington, expectations of more policy responses from global central banks, and deeply oversold conditions. Asian markets bounced off their

Mar 13
Coronavirus Commentary: Thoughts Regarding the Ongoing Volatility

We’d like to offer you our latest thoughts regarding the ongoing volatility in the markets due to the coronavirus. By the end of February, the Dow Jones Industrial Average was down 14% from its high point just a couple weeks earlier. The scale and speed of the recent equity losses were stunning. Still, we were not particularly surprised by this, since downturns historically

Mar 04