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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 nearly 40% from its low on 3/23/2020. The chart below from CNBC is a visual representation of eight months through May 2020. That is a ... Are You Prepared for Another Market Downturn?
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 ... Retiring Business Owners – Plan for Succession
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 ... The Small Business’s Guide to Surviving the Coronavirus Pandemic
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 Medicare.gov, 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 ... What You Need to Know About Enrolling for Medicare
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 ... Negative Oil Futures Price Creates Confusion
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 ... The Importance of Financial Planning During a Bear Market
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 ... How the Stock Market Moves Ahead of the Economy
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 ... An Economy in Hibernation
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 ... How Should You Invest Cash in a Volatile Market?
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 ... The CARES Act Key Components
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. ... Market Commentary: The Good, the Bad & the Ugly
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 ... The Retirement Tax Filter