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What’s on our mind? You can read our blog and learn something new. Whether it’s ideas from the industry, emerging trends or financial concepts, you can read about it here. And once in a while, we may throw in some other surprise. So keep checking in. We’re glad to have you reading along.

Monday, May 11, 2026

Growing Your Financial Garden This Spring Flowers are beginning to bloom, gardens are being planned, and many of us are looking ahead to a fresh season of growth. Your finances can be a lot like a garden. They require planning,...

Thursday, April 16, 2026

If you are a parent of a teen or young adult, how do you teach them to make confident money decisions before the stakes are high?Teaching teens and young adults about money is less about formal instruction and more about repeated...

Friday, April 10, 2026

There are days now when my 5-year-old daughter, Olivia, comes to work with me.Sometimes even after school she has to spend time with me in the office. Not every day—but enough that she’s starting to see what I do and how much it...

Thursday, April 9, 2026

Social Security decisions are often framed as a single question: “When should I start drawing benefits?” That question matters, but it can also be limiting. The better question is: how does Social Security fit into my overall...

Thursday, April 2, 2026

Markets have been volatile amid Iran tensions driven more by emotion than economic data. This week showed how quickly sentiment shifts—gains early, then declines after headlines. Long-term fundamentals remain intact despite short-term noise

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Monday, March 16, 2026

Market volatility can be unsettling, but it also creates opportunity. A balanced investment strategy—focused on diversification, long-term discipline, and thoughtful adjustments—can help investors stay resilient and pursue goals.

Wednesday, March 11, 2026

Trips with adult children can be some of the most meaningful experiences in retirement. They offer a wonderful mix of adventure, history, discovery, and relaxation—along with something many retirees value most: time together.

Tuesday, February 17, 2026

Changed jobs? Don’t forget your 401(k). You have four options: leave it, move it to a new plan, roll it to an IRA, or cash out. Each choice affects taxes, protection, and long-term growth. Make a thoughtful decision for your future.

Sunday, December 21, 2025

The holidays have a way of slowing us down just enough to notice the details we often rush past the rest of the year — the smell of cookies in the oven, a child’s eyes lighting up with Christmas wonder, the familiar warmth of family...

Thursday, December 4, 2025

Holiday Financial Tips for 2025 The holiday season is upon us—and this year, with inflation still pinching wallets and economic uncertainty in the background, it’s more important than ever to plan thoughtfully. As your...

Tuesday, October 14, 2025

Decluttering and downsizing isn’t just about stuff—it’s about stories, memories, and identity. For seniors, the process is often brought on by life changes: a fall, illness, or the decision to move into assisted living. Sometimes the...

Friday, October 3, 2025

Got a raise? Don’t let lifestyle creep steal it. As income grows, so does the temptation to spend more. The trick? Enjoy the upgrade without letting expenses rise at the same pace. Future-you (and your bank account) will thank you.

Tuesday, September 16, 2025

Working parents juggle a lot—careers, kids, and home life. On National Working Parents Day, let’s celebrate the balance, teamwork, and resilience it takes to make it all work.

Thursday, September 4, 2025

Many people believe it’s harder to save money today than in the past, but the truth is we have more tools and opportunities than ever. From automation and side hustles to smarter spending and low-cost investing, building savings habits is p

Wednesday, August 27, 2025

Estate management isn’t just about what happens after you’re gone— it’s also about what you can do now to help manage future estate taxes, transfer wealth strategically, and attempt to create a meaningful impact during your lifetime....

Wednesday, August 13, 2025

The rules regarding inherited IRAs have changed in the last five years, and failing to comply with the new requirements may result in IRS penalties. These changes affect people inheriting IRAs and those looking to leave retirement...

Tuesday, July 22, 2025

Compensation is more than just a number on a paycheck. Whether you're exploring new opportunities, preparing for a promotion, or evaluating your current benefits, it’s important to understand the full value of your total...

Wednesday, July 16, 2025

Just before the July 4th holiday, Congress passed a domestic policy bill that extended the 2017 tax cuts that were set to expire this year while making some of the 2017 rules permanent. The bill also created several new tax laws for...

Wednesday, July 9, 2025

While you may follow the various stock indexes on the nightly business news, how much do you know about their histories, how they work, and why they're important? We pulled together some information and interesting facts about some of...

Wednesday, June 25, 2025

You’ve likely spent years building your retirement nest egg—saving diligently, investing wisely, and contributing to retirement accounts along the way. But transitioning from earning a paycheck to relying on your savings can feel...

Wednesday, June 11, 2025

Despite those who say the conventional wisdom that has guided investor actions over the years is no longer valid in 2025, remember the famous quote from legendary investor Sir John Templeton: "The four most dangerous words in...

Tuesday, May 27, 2025

It’s graduation season—a time of celebration and new beginnings. For families with college seniors, this time can bring both excitement and uncertainty. While some graduates have jobs lined up, many others still are navigating job...

Wednesday, May 14, 2025

As summer approaches, your thoughts may drift toward escaping your daily routine. Whether your idea of a perfect vacation is sitting on a pristine beach, fishing in a mountain lake, or playing the back nine between pickleball matches,...

Friday, April 25, 2025

College Planning: What You Need to Know About Money April 25, 2025 Michelle Paris, AAMS®, CRPC® Financial Advisor, LPL Financial Benjamin Franklin once said that "an investment in knowledge pays the best interest." As high school...

Wednesday, April 16, 2025

April is a pivotal time in the college admissions process. After years of preparation, saving, and investing—not to mention the countless hours spent on exam prep, campus visits, and perfecting applications and essays—the finish line...

Friday, April 4, 2025

Special Update: Reciprocal Tariffs and the Market Reaction April 4, 2025 Michelle Paris, AAMS®, CRPC® Financial Advisor, LPL Financial On April 2, President Trump announced new tariffs on nearly all major trading partners. These...

Wednesday, April 2, 2025

Famous investor Peter Lynch once said "far more money has been lost by investors trying to anticipate corrections, than lost in the corrections themselves." This wisdom is especially relevant now as the stock market has seen some...

Tuesday, April 1, 2025

April isn’t just about filing taxes—it’s also Financial Literacy Month, a perfect opportunity to reflect on your financial habits, expand your knowledge, and take meaningful steps toward improving your financial well-being. Whether...

Thursday, March 27, 2025

Tariffs play a crucial role in shaping trade policies, government revenue, and economic relations. Over the past several years, we’ve seen significant shifts in U.S. tariff policies, impacting both domestic businesses and international...

Tuesday, March 25, 2025

One of the greatest gifts you can give your loved ones is a thoughtful estate strategy that outlines your wishes after you are gone. Discussing estate details with your team of professionals is another way to help manage your legacy...

Tuesday, March 11, 2025

March is Women’s History Month, and according to a recent survey, 49% of women consider themselves to be the chief financial officer of their households, up from 41% in 2021.1 Those numbers are even more impressive when you consider...

Wednesday, February 26, 2025

You've worked hard throughout your life to build assets to support your retirement. As financial professionals, one of the most critical functions we provide is helping clients determine their retirement income needs and structuring a...

Tuesday, February 11, 2025

Tax season brings a new wave of identity theft risks, with criminals ready to exploit your personal data to file fraudulent tax returns in your name. Imagine the shock of discovering that a criminal beat you to filing your...

Wednesday, January 15, 2025

Social Security is often misunderstood or underestimated in retirement strategy. However, as financial professionals, we've seen how it can play a crucial role in our clients' overall financial strategy, regardless of their income...

Wednesday, January 1, 2025

Looks like New Year's resolutions are still going strong in 2024! A recent Pew survey found that about a third of Americans kicked off the year with at least one resolution, and many people actually went for multiple goals. It's...

Wednesday, December 18, 2024

As we approach the end of 2024, it's an opportune time to reflect on the year's financial developments and consider what 2025 may bring. We believe in understanding both the past and potential future of our economic landscape, which...

Wednesday, December 11, 2024

As you approach retirement, a critical aspect of your retirement strategy can catch even the most financially savvy individuals off guard: healthcare costs. For decades, you may have enjoyed employer-sponsored health insurance. As...

Thursday, November 21, 2024

Financial professionals typically have a year-round focus on monetary goals and wealth management strategies. However, we also believe that true financial well-being is intrinsically linked to your overall life satisfaction and...

Wednesday, November 6, 2024

America is a generous country. People with diverse backgrounds can unite for a good cause, whether to benefit their local communities or the broader world. As we enter the holiday season, now is a great time to think about your giving...

Tuesday, October 22, 2024

As financial professionals, we’ve noticed a trend among our clients: an increasing interest in electric vehicles (EVs). To help address some of your questions, we’ve compiled this high-level guide to provide insights into the...

Tuesday, October 8, 2024

Statistics show that nearly 33% of Americans have faced some identity theft attempts in their lives, and experts estimate there is a new case of identity theft every 22 seconds. As financial professionals, one of our primary goals is...

Wednesday, September 18, 2024

The Impact of Elections on the Markets and Tax Policy With Labor Day behind us, we're in the final stretch of the 2024 presidential election race. As we follow the news and parse the most recent polls, some may ask, "How might what...

Wednesday, September 4, 2024

Don’t Be A Victim Of The Retirement Crisis If you think the United States has a retirement crisis, you are not alone. A recent survey found that 79% of working-age Americans believe the same thing. That percentage is up from 67% in...

Thursday, August 15, 2024

In 1999, Bill Gates wrote, “How you gather, manage, and use information will determine whether you win or lose.” Companies looking to be successful in the future should heed these words when making decisions about implementing...

Wednesday, July 10, 2024

Legacy preparation can play a key role in any financial strategy. Legacy management lets you consider what happens to everything you’ve accumulated—and may continue to accumulate—throughout your lifetime. But far too often, we’ve seen...

Tuesday, July 9, 2024

As we reach the halfway point of 2024, a sense of persistence defines the economic and market landscape. Trends from late 2023 have continued, with surprisingly resilient economic growth mixed with stubborn but decelerating inflation....

Friday, June 14, 2024

As we enter the traditional wedding month of June, we wanted to explore the range of expenses that can be related to this special event. The average US wedding costs $35,0001 According to The Knot Real Weddings Study of nearly 10,000...

Tuesday, June 4, 2024

Sir John Templeton once said, “The four most expensive words in investing are: ‘This time it’s different.'” And normally, we would agree. But the phrase “This time it’s different” may apply to what's happened in financial markets in...

Wednesday, May 22, 2024

A few years ago, there were ads from financial services companies asking, “What’s your number?” The number was the money you needed to retire comfortably. This was an effective way for financial services companies to get people...

Wednesday, May 8, 2024

There isn’t a week that goes by when you don’t read about some data breach. Safeguarding your personal information starts with understanding cybersecurity risks, knowing what to look for, and doing everything you can to help protect...

Tuesday, April 16, 2024

At the end of 2025, portions of the Tax Cuts and Jobs Act (TCJA) are set to expire. Many changes will come with the sunsetting of many rules, including the possibility that federal estate and gift tax exemption levels will revert to...

Tuesday, April 2, 2024

Give your children the gift of financial literacy. They’ll thank you later! As a parent, you are well aware of your responsibility in helping your children grow up happy and healthy. Once they enter their teen years, the pressure can...

Tuesday, March 26, 2024

As the presidential election race heats up, a common question on investors’ minds is, “How might the looming White House vote impact the markets?” Some may wonder if they should tweak their portfolios or sit tight...

Monday, February 12, 2024

Money can be a touchy subject, especially regarding our closest relationships. Whether we like it or not, finance plays an integral role in our partnerships, families, and friendships. So, how can we foster healthy attitudes and...

Tuesday, February 6, 2024

In the ever-evolving financial landscape, staying informed about the latest changes and potential implications for your retirement savings is crucial. Shifts in retirement regulations define 2024, and we’re committed to keeping...

Tuesday, January 23, 2024

It’s a fun time of year for football fans. The NFL playoffs are starting, and the Big Game is just around the corner. While football fans will tune in for the matchups, commercials, and Usher’s Big Game halftime show, you...

Tuesday, January 9, 2024

With the start of the new year, we wanted to discuss a topic that will likely garner attention throughout 2024: the potential sunsetting of the Tax Cuts and Jobs Act (TCJA) in 2025. Although some of the provisions within the TCJA are...

Monday, January 1, 2024

Happy New Year to you and your loved ones! I hope this message finds you filled with warmth and cheer.  Encouragingly, the market grew steadily through November and  December, although we must stay cognizant that there...

Monday, December 11, 2023

Your Child is Turning 18: Handling Healthcare, Academics, and Finances Together As your child blows out the candles on their 18th birthday, you may still see your baby girl or boy. But in the eyes of the law your child is considered a...

Monday, December 4, 2023

As we get ready to turn the page on 2023 and welcome the new year with all its possibilities, we’d like to take some time to reflect on the year that was—the notable events, trends, and developments that defined our...

Monday, November 20, 2023

If you or a loved one has been diagnosed with Alzheimer's disease or any other form of dementia, this can be an extremely challenging time. While promising new treatments are developing and research continues, a cure remains elusive....

Wednesday, November 8, 2023

Divorce is one of the most stressful life events. Even the most amicable splits can be complicated and emotionally draining. We likely all know couples who have gone through divorce, and it can be a trying time for everyone involved....

Wednesday, November 1, 2023

While we haven’t yet said goodbye to 2023, it’s not too early to begin thinking about any tax changes that may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 was designed to overhaul the federal tax code by...

Tuesday, October 24, 2023

Many of us have adapted to a world with remote team members and back-to-back Zoom calls with customers spread across the country, which certainly has its benefits. Nevertheless, one drawback is the difficulty of getting together in...

Tuesday, October 17, 2023

SECURE 2.0: Changes Going Into Effect in 2024 Passed in 2019, the SECURE Act was the most substantial retirement legislation in over a decade. It contained important changes designed to help investors save more and be better prepared...

Tuesday, October 17, 2023

Charcuterie boards are all the craze lately, one of those social media trends going viral.  There are traditional meat and cheese, dessert boards, breakfast boards even hot chocolate ones.  Now in reality charcuterie...

Tuesday, October 3, 2023

Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...

Tuesday, September 26, 2023

While artificial intelligence (AI) is making headlines today, the concept of "thinking machines" can be traced back to ancient philosophers and mathematicians. The phrase artificial intelligence was first used in the mid-20th century,...

Tuesday, September 12, 2023

Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...

Tuesday, September 5, 2023

If you ask the average investor which month is the most volatile for the stock market, they will probably say October. It's a reasonable answer, but it's incorrect. Despite October's reputation for market-defining events like the...

Tuesday, August 22, 2023

As financial professionals, we understand how vital it is to safeguard your personal and financial information. Unfortunately, in our increasingly digital world, cybersecurity risks, such as phishing attacks, have become a prevalent...

Monday, August 7, 2023

You’ve done a great job teaching your children vital life lessons and instilling values that will last a lifetime. As summer ends and a new school year begins, one thing that shouldn’t be overlooked, especially for...

Tuesday, August 1, 2023

Changes are coming to the complicated form that students must submit to qualify for college financial aid, known as the Free Application for Federal Student Aid (FAFSA).The Department of Education is calling it the “most...

Thursday, July 27, 2023

After a brief pause in its interest rate hike campaign, the Federal Reserve decided to raise rates by a quarter of a percentage point on Wednesday. This widely expected move brings the Federal Funds Rate to a 22-year high. The...

Tuesday, July 25, 2023

IntroductionOver the last several months, I have met with quite a few self-proclaimed do-it-yourself (DIY) investors who, after struggling with the markets in 2022, approached me asking for a second opinion. Interestingly, almost every...

Monday, July 24, 2023

Does lack of time and not knowing where to begin to hold you back on your financial goals? Here are a few ways financial planners can help you on the path toward your goals.

Tuesday, July 11, 2023

Changes to 529 Plans in the SECURE 2.0 ActThe SECURE Act was initially passed by Congress at the end of 2019 and was intended to improve retirement savings opportunities. It was a big deal at the time and the most significant piece of...

Thursday, July 6, 2023

What if your child needs braces? The cost may be as much as $6,000 for metal braces—more modern versions can run as much as $13,000. Your health insurance may cover only a portion of the cost. If you're well past the braces stage...

Thursday, June 22, 2023

Getting your affairs in order and outlining what you want done with your estate after you’re gone is one of the greatest gifts you can leave your loved ones. However, not preparing for the transfer of your assets can lead to...

Wednesday, June 14, 2023

Senior care costs can be overwhelming, particularly when long-term care is required due to illness or medical conditions. With the number of seniors in the U.S. expected to rise exponentially by 2030, it's crucial to be prepared for...

Thursday, May 25, 2023

Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...

Thursday, May 11, 2023

Economies move in cycles – always have, always willThe Federal Reserve has been steadily increasing interest rates in an attempt to slow the rate of inflation. Its efforts are yielding some results, although inflation remains...

Friday, April 28, 2023

Fun fact: You probably have dozens of credit scores out there, and each one might be a different number.You’re probably familiar with a credit score, why it’s essential, and what it’s used for, but do you know how...

Monday, April 17, 2023

Discussing personal finances is important for any couple preparing for marriage. However, this topic can be more complicated for those who remarry later in life.If you’re remarrying later in life, one of your goals should be to...

Wednesday, April 12, 2023

As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted...

Tuesday, March 28, 2023

Does fee-based advising make sense? At the end of the day, I believe it boils down to philosophy. Many advisors, like myself, have decided that a business model that requires transparency and trust is just the right thing to do.It...

Monday, March 20, 2023

Every parent wants the best for their children and strives to prepare them to lead a happy, healthy, and successful life. But, despite understanding the importance of financial responsibility, only 28 percent of parents speak to their...

Monday, March 6, 2023

Transitioning from Private Health Insurance Plans to MedicareAs you approach retirement age, you may be anticipating transitioning from your private insurance to Medicare, which is a federal health insurance program that provides...

Wednesday, February 15, 2023

According to the Investment Company Institute, near the end of 2022, there was more than $4.7 trillion in cash sitting in U.S. money market funds.1,2While cash can play a role in a diversified portfolio, historically, cash has not kept...

Wednesday, February 8, 2023

By 2040, the U.S. Census Bureau estimates that 80 million people in the U.S. will be age 65 or older.1 Most of these senior adults will either want to—or need to—"age in place," living in their homes securely, independently...

Monday, January 23, 2023

With the possibility of a recession looming, it's natural for those nearing or in retirement to have concerns over their long-term strategies. After decades of accumulating a portfolio, the last thing retirees want is for a market...

Monday, January 9, 2023

When you've worked hard to build your retirement savings, you want to ensure you're taking every preventative measure to protect it. Unfortunately, more and more fraudsters and scammers are weaseling their way into the lives of seniors...

Wednesday, January 4, 2023

In October 2022, the Internal Revenue Service (IRS) announced tax changes for 2023 — changes primarily driven, in part, by the current inflationary environment. For affluent couples or individuals interested in transferring...

Monday, December 12, 2022

In today’s social media-obsessed world full of popular “influencers” targeting teens, pre-teens, and even younger groups, instilling values in your children and grandchildren about what really matters in life is more...

Monday, December 5, 2022

In late October, the IRS announced that it is increasing contribution limits to retirement savings accounts in 2023. The changes, like many you are seeing, are a direct result of months of high inflation and financial uncertainty, some...

Monday, November 28, 2022

The year is almost over, and it has certainly been a bumpy one for the financial markets and our economy. As financial professionals, we work with families to design investment strategies that help them pursue their goals for education...

Monday, November 14, 2022

Key points:Over the past five years, affluent Americans increased their donations to charity by 48%.1Understand various strategies to help you maximize the impact of your charitable donations and your income tax savings.To qualify for...

Thursday, November 10, 2022

Key points:Mortgage rates are influenced by the Fed’s rate hikes.A sharp rise in mortgage rates reduces the buying power of homebuyers.Although home prices have trended higher, home sales have trended lower.6Whether you’re...

Tuesday, November 1, 2022

Key points:One of the biggest components of the Inflation Reduction Act is the changes to healthcare costs and coverage. The Inflation Reduction Act requires all pharmaceutical companies to rebate Medicare participants for the...

Monday, October 24, 2022

If you haven’t heard much about ESG investing, you will. ESG has gone from a niche investment philosophy to a mainstream investment tenant. At the same time, it has gained the attention of corporations, politicians, regulators,...

Wednesday, October 12, 2022

Over 50% of consumers have fallen victim to a cybercrime, with a third of those attacks taking place in the past year alone. So there are 263 million American consumers. 131.5 million have been hit by cybercrime, with 44 million...

Tuesday, October 4, 2022

Most people are used to having a percentage of their paycheck withheld for Social Security. The withholding rate in 2022 stands at 6.2% for individuals and another 6.2% for their employers, for a total of 12.4% per person.1 But...

Thursday, September 22, 2022

Women EntrepreneursThe business landscape is continually changing—technological advances, corporate downsizing, restructuring, and telecommuting have reshaped the marketplace.­ Although these improvements and modifications...

Thursday, September 15, 2022

At one time, the typical American family looked like this: a breadwinner father who commuted a short distance to work and earned a very good living, and a stay-at-home mother who took care of the kids and family home with aplomb. Life...

Thursday, September 15, 2022

Do you wish that there was more time in a day? Do you want to have time to drink a cup of coffee in the morning, or get to the gym before or after work? Well, we can’t change how much time there is each day, but we can help you...

Friday, September 9, 2022

The more money that you can save when you are working, the easier it should be for you to retire and enjoy your golden years. Unfortunately, Social Security may no longer provide a sufficient income to live on during retirement. To...

Sunday, September 4, 2022

Fall is a great time of year to welcome friendly woodland creatures into your yard, but to catch a glimpse of local wildlife—especially migratory birds and mammals—you’ll need to follow these tips. Avoid a fall...

Sunday, August 21, 2022

In 2022, U.S. inflation hit a 40-year high, with prices for food, housing, gasoline, and other key staples increasing by nearly 10% over the previous year.1 During these uncertain times, stocks have continued a roller-coaster ride...

Monday, August 15, 2022

If you wonder whether it’s too late to start saving for your child’s college education—the answer is no. Whether your child is a newborn or already starting college, a 529 account may provide some tax benefits. Here...

Tuesday, August 2, 2022

At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses or the financial challenges of young adulthood...

Sunday, July 24, 2022

The sandwich generation is a term commonly used to describe those between the ages of 40 and 59 who are responsible for raising their family and are also often helping their aging parents manage their ongoing needs. Those members of...

Wednesday, July 20, 2022

Americans' financial lives are increasingly complex. It's not unusual to have checking and savings accounts, a 401(k), IRAs, and other personal investments. Keeping track of all your savings and investments has prompted many...

Tuesday, July 12, 2022

Adults caring for aging parents and children simultaneously have now become known as the "sandwich generation."  While each generation comes with its own array of financial challenges, the sandwich generation often feels...

Wednesday, July 6, 2022

Between 1910 and 1930, the Green Mountain Club of Vermont established the oldest long-distance hiking trail in the United States—appropriately dubbed the Long Trail. It inspired another recognizable hiking system along the East...

Saturday, June 25, 2022

Planning for marriage should involve more than just picking out invitations and deciding whether you should serve chicken or fish at the reception. More importantly, you'll want to take a look at how marriage will impact your financial...

Monday, June 20, 2022

The Juneteeth holiday marks the end of slavery in the United States and is one of the oldest African American holidays. It is the date that troops arrived in Galveston, Texas, after the Civil War, to enforce the Emancipation...

Sunday, June 19, 2022

For over 9 years, I have worked with my dad, which has been the foundation of my career in finance and lead me to where I am today.  My Dad is Steve Tybus, the founder of TSquared, but on top of that he wears many hats in my life...

Wednesday, June 15, 2022

Through charitable giving, you can support causes or organizations you believe in and lock in tax benefits simultaneously. Whether you’re new to charitable giving or a veteran, there are several strategies you should keep in mind...

Thursday, June 9, 2022

Whether you are expecting your first child or have been a parent for years, finances and building a future for your family go hand-in-hand. Luckily, there are money moves you can make now to help manage financial stress, support...

Sunday, May 29, 2022

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Thursday, March 17, 2022

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Monday, November 29, 2021

For some, 2021 has flown by—and as we approach the last quarter of the year, it's a good time to begin planning for the next one. Year-end planning is especially important for retirees and those hoping to retire in 2021 or 2022....

Thursday, November 25, 2021

Are you a spender, a saver, or somewhere in between? Do you view your money with an "easy come, easy go" attitude or focus on saving all you can, "making hay while the sun shines"? Your overall financial philosophy doesn't just affect...

Sunday, November 21, 2021

So, you’re interested in volunteering as a family this season. That’s wonderful—and we commend you for your service! It’s always rewarding to donate your time to a charity that’s important to you. But...

Friday, November 19, 2021

Celebrated on November 19th, Women's Entrepreneurship Day was established by Women’s Entrepreneurship Day Organization (WEDO) in 2013 to bring awareness to the hundreds of millions of women and girls living in poverty and to help...

Monday, November 8, 2021

Today, many people find themselves bombarded by a constant stream of financial news from television, radio, and the Internet. Yet, does all this “information age” data really help you manage your finances any better now...

Thursday, November 4, 2021

November 4, 2021 Dear Valued Investor: The past year and a half have tested all of us, but overall, the economy continues to strengthen, COVID-19 trends are greatly improving, and this still relatively young bull market is alive and...

Monday, November 1, 2021

The past two years presented many small-business owners with unprecedented challenges. This year’s tax planning preparations include necessary measures for small-business owners to satisfy existing, new and modified tax laws that...

Monday, October 25, 2021

When it comes to planning for retirement, it's easy to get overwhelmed. Putting together a financial strategy can be complicated at any time of life, what with changing regulations, ups and downs in the market, and disagreements...

Monday, October 18, 2021

Does your retirement seem years and years away? While it may appear this way, you owe it to yourself to look ahead and begin giving thought to a time in your life that may account for 20 or more "golden" years. Granted, time may be on...

Friday, October 15, 2021

Dear Valued Investor: One constant in life is change. During the past year and a half, we have experienced more change than any of us bargained for. Change is disruptive—but also brings opportunities. For investors right now,...

Friday, October 15, 2021

If your 65th birthday is coming up—or if you're receiving Social Security Disability payments and are about to qualify for Medicare before age 65—you may be wondering exactly what comes next.1 Below, we discuss some...

Monday, October 4, 2021

Small businesses face many problems related to their size, capital, and capability, and for women-owned small businesses, the challenge is sometimes even greater. The good news is there are many professional organizations out there...

Wednesday, September 8, 2021

Heading into your retirement years brings a slew of new topics to grapple with, and one of the most maddening may be Medicare. Figuring out when to enroll, what to enroll in and what coverage will be best for you can be daunting. To...

Wednesday, September 8, 2021

As the U.S. population continues to age, the “sandwich generation” is caught in the middle, supporting both their parents and their children, whether financially, physically, or emotionally. This generation is the...

Wednesday, September 8, 2021

For many people, turning 65 provides one of the keys to retirement: access to affordable healthcare. Whether you're enrolling in the Medicare program for the first time or have been a Medicare enrollee for years, it's important to stay...

Tuesday, September 7, 2021

There are many things you can do to keep your brain active: going outside more, listening to classical music, or learning a new skill. As you get older, it’s imperative to take care of your mental and physical health. Both are...

Friday, July 30, 2021

There’s a simple word that has profound implications for savings and investing: compounding. Like a snowball that grows as it rolls down a hill, compounding provides the potential for your money to grow, reinvesting your...

Friday, July 30, 2021

You’re an entrepreneur and you’re not looking back. You’ve opened your own business, whether alone or with partners, and you’ve achieved success. Now you’re thinking about retirement, not just for you, but...

Friday, July 30, 2021

Ask yourself, "What will my golden years hold for me?" Is the answer a comfortable home near a golf course? Free time to spend with your grandchildren? Or even a cross-country journey or trip around the world? Whatever your answer may...

Friday, July 30, 2021

To accumulate wealth, people may choose to invest their money into various types of investments. Investing creates opportunities that otherwise would be difficult to manage due to the consistency of contributing to the investment....

Friday, July 30, 2021

Back-to-school time is notably hectic. From scrambling to buy supplies to adjusting your internal clock, it can feel like you’re being pulled in a hundred different directions. However, if you get your house in order beforehand,...

Thursday, July 22, 2021

In data we received on Tuesday, July 20, U.S. Housing Starts increased 6.3% in June to 1.64 million units, a 3-month high. By region, housing starts rose in the South and West, and in the Northeast, single-family home construction...

Tuesday, July 13, 2021

LPL Research Midyear Outlook 2021: Picking Up Speed is designed to help you navigate the risks and opportunities over the rest of 2021 and beyond. While the speed can be exhilarating as economic growth accelerates, it can also be...

Thursday, July 8, 2021

If 2020 made you fantasize about a trip as soon as travel restrictions were lifted—and you’re still waiting—you aren’t alone. Although 2021 was poised to be a comeback year, it is shaping up to be another summer...

Thursday, July 8, 2021

Retirement can be a risky business if you don’t consider all the factors that can impact your retirement during your planning process. Although it’s hard to know what will happen in the future to you or your investments,...

Thursday, July 8, 2021

As college costs keep rising, parents are looking for ways to provide funding for their child’s education and determine what institution will prevent them from taking on substantial debt. One college funding source is utilizing...

Wednesday, July 7, 2021

To quote the great Frank the Tank from Old School, “We’re going streaking!” Although Frank had another idea, stocks have been streaking in some historic ways, both near-term and longer-term. Let’s start with the...

Wednesday, June 23, 2021

The Federal Reserve Bank (Fed) has been doing all they can the past few days to calm the fears over last week’s hawkish Federal Open Market Committee (FOMC) meeting. Fed Chair Jerome Powell testified to Congress that inflation is...

Wednesday, June 16, 2021

As nearly everyone knows by now, inflation has soared the past few months, with the May Consumer Price Index (CPI) coming in at 5.0% year-over-year, the highest since 2008, while the core CPI (excluding energy and food) was 3.8%, the...

Thursday, June 3, 2021

Young adults starting out in life, especially newlyweds, need insurance. But what kind? As a start, a good term life policy likely is a smart move. Other types of insurance may not be. And as they age, what other varieties of coverage...

Wednesday, June 2, 2021

There's no doubt about it--owning a home is an exciting prospect. After all, you've always dreamed of having a place that you could truly call your own. But buying a home can be stressful, especially when you're buying one for the...

Wednesday, June 2, 2021

Although there was some notable weakness in the middle of May, the S&P 500 Index was able to rally late in the month to finish with a modest gain. Incredibly, this was the eighth year out of the past nine that stocks gained during in...

Wednesday, May 26, 2021

Congrats to Phil Mickelson on his amazing victory on Sunday at the PGA Championship at the age of 50, officially the oldest person to ever win a golf major championship. This was Lefty’s 6th major victory, leaving him just a win...

Wednesday, May 19, 2021

Inflation is all the rage after last week’s much hotter than expected inflation numbers. Our base case remains that this period of higher inflation will be transitory, as many of the forces that have kept a lid on inflation over...

Wednesday, May 12, 2021

Grandparents can often find themselves in a better financial position to save for their grandchildren's education than their own children are. The parents of prospective students may still be contending with competing priorities like...

Wednesday, May 12, 2021

If you're a small business owner, many of the best practices employed by individual investors are also available to you (of course!), but you also have some additional options and factors to weigh while creating your investment plans....

Wednesday, May 12, 2021

Retirement and financial planning should take on a holistic approach. There are two parts involved, preparing for retirement, and being in retirement stages. Both stages are equally important in your approach to how you view your mind,...

Wednesday, May 12, 2021

For nearly a year, investors have had the late spring/early summer months circled on their calendars for a potential jump in inflation. Base effects from rolling off weak data a year ago held the promise of eye-popping year-over-year...

Tuesday, May 11, 2021

Financial planning is the process that can help you pursue your goals by evaluating your whole financial picture, then outlining strategies that are tailored to your individual needs and available resources. Just as the success of a...

Wednesday, May 5, 2021

“Our new Constitution is now established, everything seems to promise it will be durable; but, in this world, nothing is certain except death and taxes,” Benjamin Franklin First off, we hope everyone has a happy and safe...

Wednesday, April 28, 2021

Incredibly, the COVID recession may have ended a year ago, but we still don’t have call from the National Bureau of Economic Research (NBER). That may when the first estimate of Q1 2021 gross domestic product (GDP) growth is...

Thursday, April 22, 2021

As you may know I recently became a mom and with my schedule there are days Olivia comes to work with me. My career as an advisor and my relationship with my clients is important, and a side of me I want my kids to be able to see....

Wednesday, April 21, 2021

“Don’t fight the Fed.” Old investment saying One of the popular questions we’ve received lately is what do stocks do after the first rate hike? Let’s be clear, we think the Federal Reserve Bank (Fed) will...

Wednesday, April 14, 2021

“I look to the future because that’s where I’m going to spend the rest of my life.” George Burns The bull market continues, with the S&P 500 Index now up more than 10% in 2021. With stocks up more than 80% from...

Wednesday, April 7, 2021

The United States, and the rest of the world, are looking to emerge from the shadow of COVID-19, and business conditions may already have put the pandemic in the rear-view mirror—at least according to the monthly business surveys...

Tuesday, April 6, 2021

No matter how much money you make, completely mastering money early on in life can help you pursue what everyone wants: a financially comfortable today and a financially secure tomorrow. Mastering money in our society can be a...

Tuesday, April 6, 2021

If you've been diligently saving for your retirement, you may often find yourself wondering when you can afford to set an official retirement date. The answer to this question can often depend on how much monthly or annual income your...

Wednesday, March 31, 2021

As we continue LPL Research’s Inflation Week, today we will examine how stocks have historically done at different inflation levels. For more color on our views on inflation, please read here and here, and look out for...

Tuesday, March 23, 2021

Even though tax filing season is well under way, there's still time to make a regular IRA contribution for 2020. You have until your tax return due date (not including extensions) to contribute up to $6,000 for 2020 ($7,000 if you...

Thursday, March 18, 2021

March is here and with it comes some Madness! In our recent Market Signals video, LPL Financial Chief Market Strategist Ryan Detrick and Equity Strategist Jeff Buchbinder discuss four things that matter the most for stocks in the LPL...

Wednesday, March 3, 2021

The energy sector has certainly been on a wild ride over the course of the past year, perhaps the wildest of all of the S&P 500 sectors. The outbreak of the pandemic in 2020 caused such a demand shock that oil futures traded for a...

Tuesday, March 2, 2021

Most people who decide to purchase stocks, bonds, mutual funds, or other investment vehicles do so understanding that there are risks associated with investing, but believing that the potential growth they may realize over time...

Tuesday, March 2, 2021

In 2020, the government gave taxpayers an automatic six-month extension due to the coronavirus. Individuals who were affected by the damaging wildfires were also given additional time to meet most tax deadlines. However, in 2021, the...

Thursday, February 18, 2021

The US economy had a tumultuous year in 2020, to say the least, and after rebounding strongly in the third quarter, the holiday surge in COVID-19 cases increased the risk that the economy may stumble heading into the new year. The...

Wednesday, February 10, 2021

“Bulls make money, bears make money, and pigs get slaughtered.” Old Wall Street saying. The Chinese New Year (often called the Lunar New Year) will kick off Friday, February 12, and with it will begin the Year of the Ox....

Wednesday, February 3, 2021

While the 2020 tax year saw some significant changes to filing deadlines due to the effects of the global pandemic, the 2021 tax season seems to be set to be on track with normal filing deadlines. With the pandemic still in sight, it...

Wednesday, January 27, 2021

2021 kicks off the first year of a new four-year presidential cycle. One of the most popular questions we’ve received lately is how have stocks performed historically during this political year. For starters, the S&P 500 Index...

Wednesday, January 20, 2021

Market Signals Covers It All This week’s Market Signals podcast covers all the latest events impacting markets and the economy: Q4 earnings, a new stimulus proposal, the Democratic blue wave, and President-elect Joe Biden’s...

Wednesday, January 13, 2021

Rising COVID-19 cases and concern about the policy environment put a dent in small business optimism in the month of December, the index’s second straight monthly decline. As shown in the LPL Chart of the Day, the National...

Tuesday, January 12, 2021

Just about every success story involves the influence of one (or more) mentors along the way. Mentorship can provide benefits to both the mentor and mentee, helping build long-term relationships while developing leadership skills and...

Tuesday, January 12, 2021

In an increasingly paper-free society, organizing your financial documents can still be a challenge. No matter how simple or complex your financial picture might be, it takes some thought-out organization to keep your tax documents,...

Tuesday, January 12, 2021

Talking about the end of life or possible tragic events is not something people naturally want to do, but it is important. To have your wishes honored and to create a plan to make the transition easier for those left, these plans need...

Tuesday, January 12, 2021

If you are a Millennial or Gen-Zer, buying your first home is likely one of the top priorities on your list. While you may know that you are ready for a house, you may be wondering what considerations you need to make before getting...

Wednesday, January 6, 2021

Well, we can officially say goodbye to 2020. Although there still will be many challenges in 2021, we do see much better times ahead. Just how amazing was it? “2020 will go down in history as the first year to ever be down 30% at...

Tuesday, January 5, 2021

New Year's is traditionally the time to review your life and make resolutions for change. In addition to thinking about working out, eating healthy, and meeting personal and professional goals, you should also think about your finances...

Wednesday, December 30, 2020

For many economic data series, 2020 has been a roller coaster. Not for housing, however. The onset of the COVID-19 pandemic and social distancing measures jump-started the “nesting” behavioral shift away from urban...

Wednesday, December 16, 2020

Stocks continue to surprise to the upside, with the Russell 2000 Index (small caps) and the Nasdaq making new all-time highs on Tuesday. The S&P 500 Index, a chip shot from new highs, already has made 30 new highs so far this year....

Wednesday, December 9, 2020

Tuesday, we released our 2021 market views in Outlook 2021: Powering Forward. We are extremely proud of this report and we can’t wait to hear your feedback! As we explain in Outlook 2021, we anticipate a strong earnings rebound...

Tuesday, December 8, 2020

More than most years, it’s hard to look ahead to the next year, to 2021, without looking back at 2020. A global pandemic, a massive economic collapse, a bear market, a surprisingly sharp reversal, a hotly contested election where...

Thursday, December 3, 2020

Last year, the average American spent nearly $1,000 per person on holiday gifts, up from about $885 per person in 2018.1 Though the COVID-19 pandemic continues to weigh on the retail sector (and many Americans' bank accounts), some...

Thursday, December 3, 2020

One way to help boost returns without incurring any extra risk is called tax harvesting, which sounds a lot more difficult than it truly is. Simply put, it is the sale of securities at a loss in an effort to offset the capital gains...

Thursday, December 3, 2020

Just what you need, right? One more time-consuming task to be taken care of between now and the end of the year. But taking a little time out from the holiday chores to make some strategic saving and investing decisions before...

Wednesday, December 2, 2020

What a month November was! Here are some of the highlights: Best month for Dow since January 1987 (11.9%) and best November since 1928 Best month ever for the STOXX 600 (16.7%) Best month ever for the Russell 2000 (18.3%) Best month...

Wednesday, November 25, 2020

As 2020 winds down, it has been an extremely tough year on all of us. Still, there are many reasons to be thankful and today we will share some reasons investors should be thankful. Stocks have had one of the largest reversals ever in...

Thursday, November 12, 2020

Third quarter earnings season has been outstanding relative to expectations by many measures. Some of the highlights: S&P 500 Index earnings are tracking to a 7.5% year-over-year decline, as shown in the LPL Chart of the Day, more than...

Monday, November 9, 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,...

Wednesday, November 4, 2020

The election is over, but the questions are mounting. We don’t know who will be the next president as of Wednesday morning, but we do know that stocks tend to do well the final two months of an election year. “Once the...

Wednesday, October 28, 2020

In the recent LPL Market Signals video, LPL Financial Chief Market Strategist Ryan Detrick, Asset Allocation Strategist Dr. Barry Gilbert, and LPL Government Relations AVP Nana Nyanin discussed the upcoming election, the economy, and...

Tuesday, October 27, 2020

Your plans for retirement may include travel, home improvements, and more time spent with family. Few people enter retirement with the expectation (or even the thought) that they soon may be unable to live independently. However, this...

Wednesday, October 21, 2020

Now that we have your attention with that eye-grabbing title, there’s definitely something to the idea that stocks perform better the year after a sitting president wins reelection. “Think about it—usually when a...

Thursday, October 15, 2020

The annual Medicare Open Enrollment Period is the time during which Medicare beneficiaries can make new choices and pick plans that work best for them. Each year, Medicare plan costs and coverage typically change. In addition, your...

Wednesday, October 14, 2020

With Election Day just under a month away and voting already taking place in many states, it is still anyone’s guess who will win on November 3. With all of the noise surrounding the election, we prefer to focus on the signals...

Tuesday, October 13, 2020

If you've been wondering how to optimize your finances and ensure your money continues to work for you, a financial professional may be able to help. But the thought of turning over your most sensitive financial information to a...

Sunday, June 21, 2020

I believe that my journey to a career in finance began long before I really knew much is anything about financial advisors. For those that don't know, Steve Tybus is my dad, my mentor, my biggest supporter and my toughest critic. For...

Monday, April 20, 2020

As you may have heard the Coronavirus Aid, Relief, and Economic Security (CARES) Act was recently signed into law. This was put into place to provide assistance to those most impacted by the COVID-19 pandemic. Did you know the act...

Monday, March 23, 2020

Recent market volatility, along with the pullback, creates a buying opportunity for investments. You have until April 15, 2020 to make your 2019 IRA or Roth IRA contributions. Full contributions for 2019 are $6,000, with a $1,000/year...

Wednesday, March 11, 2020

The tough times that global markets were experiencing due to the spread of COVID-19 (coronavirus) worsened this past weekend as a price war between Saudi Arabia and Russia resulted in sharply declining oil prices. This combination of...

Friday, July 26, 2019

Each month the bills are do, you pay the mortgage or rent, utilities, credit card bills, the list goes on and on. But do you pay your most important bill? Yourself. Paying yourself first, is putting money into savings each month....

Wednesday, May 15, 2019

The markets for 2019 started off with growth and less volatility than was seen throughout 2018. The volatility increased again last Friday, when the US announced an increase of tariffs from 10% to 25% on $200 billion of Chinese goods 1...

Thursday, May 2, 2019

Happy beginning of May, its finally starting to warm up in the northeast. Time for flowers to start blooming and soon time to start new plants. Your finances are very similar to growing a garden. How is your financial garden? Have you...

Monday, March 25, 2019

An online advising platform is also knowns as a Robo Advisor that manages investments without human financial planners. The robo advisors are computers that use various algorithms to invest and manage investments. A benefit of this is...