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Continuing Care Retirement Communities: What They Cost, How They Work, and When to Start Preparing
Why Is This Conversation So Important Right Now? The U.S. is in the middle of a sustained demographic shift. More than 61 million adults are aged 65 and older as of 2025, and that number is projected to reach approximately 82 million...
Read MoreMarket Commentary 5/12/26
Stocks hit record highs last week, led by a sharp rebound in semiconductor and mega-cap tech shares. The S&P 500 rose 2.3%, while the Nasdaq gained 4.5% amid AI optimism and strong earnings. Chipmakers surged, while Energy and...
Read MoreMarket Commentary 5/5/26
Markets closed modestly higher with S&P 500 and Nasdaq at record highs on strong earnings (84% EPS beats). Alphabet surged; Meta and Microsoft fell on AI spending scrutiny. Communication Services and Energy led sectors. Crude topped...
Read MoreMarket Commentary 4/28/26
Markets were choppy but resilient, with the Nasdaq (+1.5%) and S&P 500 (+0.5%) hitting record highs. Geopolitical tensions and rising oil drove volatility, while earnings supported gains (84% beat EPS). Leadership remained narrow, with...
Read MoreMarket Commentary 4/21/26
Markets rallied to record levels, led by mega-cap tech and easing geopolitical tensions. Falling oil prices reduced inflation concerns and boosted rate-cut hopes. All major indices gained, with broad participation. Growth sectors...
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Market Commentary 4/14/26
Stocks rose for a second week, nearing all-time highs as a U.S.–Iran ceasefire eased tensions. Falling oil prices reduced inflation fears, boosting sentiment. Tech and AI stocks led gains. Inflation data was mixed, keeping the Fed...
Read MoreWhen Should I Start Taking Social Security: 5 Factors to Consider
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...
Read MoreMarket Commentary 4/7/26
Markets rebounded after five weeks of losses (S&P +3.4%, Nasdaq +4.4%), driven by easing U.S.-Iran tensions and tech strength. Volatility persisted amid conflicting headlines and oil swings. Growth sectors led, energy lagged. Jerome...
Read MoreTeaching Teens and Young Adults Financial Literacy Through Real-Life Decision Making
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...
Read MoreMarket Commentary 3/31/26
Markets fell for a fifth straight week, with the S&P 500 down 2.1%. Early optimism faded as geopolitical tensions, oil volatility, and rising yields pressured stocks—especially mega-cap tech. Meanwhile, energy, materials, and defensive...
Read MoreMarket Commentary 3/24/26
Markets declined for a fourth week amid Iran-related tensions and shifting rate expectations. The S&P 500 fell ~1.9%. Disruptions in the Strait of Hormuz raised inflation concerns and volatility. The Fed signaled higher-for-longer...
Read MoreHelping Adult Children Buy a Home: How to Gift a Down Payment The Smart Way
Key TakeawaysHere are some questions this blog aims to answer:How can parents or grandparents help with a down payment for adult children?What are ways to gift a down payment, and how do the annual gift tax exclusion and lifetime...
Read MoreMarket Commentary 3/17/26
Markets declined for a third week as rising oil prices and Middle East tensions drove volatility. Major indexes fell modestly, while oil neared $100, raising inflation concerns. Rate-cut expectations were pushed to late 2026, lifting...
Read MoreMarket Commentary 3/10/26
Global markets declined last week as escalating military conflict in Iran weakened investor sentiment. Emerging markets fell nearly 7%, while the Dow dropped 3%, the S&P 500 2%, and the Nasdaq 1.2%. Oil surged above $111 amid supply...
Read MoreMarket Commentary 3/3/26
Stocks fell last week as AI disruption fears, sticky inflation, and tariff uncertainty pressured mega-cap tech. The S&P 500 slipped 0.4%, Nasdaq 1%, and Dow 1.3%, despite strong earnings. Hotter core PPI delayed rate-cut hopes....
Read MoreThree Numbers Every Woman Should Know
Key TakeawaysHow much wealth are women on track to control in the next decade, and why does that matter?What does the life expectancy gap between women and men mean for how long money needs to last?How common is it for women to be...
Read MoreTax Prep vs. Tax Strategy: The Difference Matters More Than You Think
Key TakeawaysTreat tax strategy as a continuous process, not a once-a-year filing exercise.Coordinate with financial and tax professionals throughout the year to identify opportunities for efficiency.Review contribution limits,...
Read MoreMarket Commentary 2/18/26
Markets were volatile, with five of six major indexes lower. The Nasdaq fell 2.1%, S&P 500 1.4%, and Dow 1.2%, while Emerging Markets gained. Equal Weight S&P rose 0.3%, highlighting mega-cap weakness. Apple, Amazon, and Google dragged...
Read MoreUnderstanding the Emotions Behind Financial Decisions
Key TakeawaysEmotions and biases might influence financial choices more often than most people realize.Behavioral patterns, such as loss aversion, familiarity bias, and herd mentality, can impact long-term results.Recognizing emotional...
Read MoreMarket Commentary 2/3/26
Markets ended mixed as earnings drove volatility. The S&P 500 rose ~0.3%, while the Nasdaq and Dow slipped. Small- and mid-caps lagged, with value outperforming growth. Mega-cap earnings led moves, energy and utilities gained, precious...
Read MoreAI and the New Face of Fraud: How to Protect Your Identity and Finances in 2026
Artificial intelligence (AI) may be the most revolutionary technology of our time, with industries scrambling to embrace its possibilities. AI’s early influence seems similar to the positive disruptions brought about by past...
Read MoreMarket Commentary 1/28/26
Markets finished a volatile, headline-driven week mixed, masking sharp sector rotation. Tariff fears triggered an early selloff, pushing the S&P 500 briefly below its 50-day average. Midweek stabilization and earnings beats fueled a...
Read MoreMarket Commentary 1/20/26
Stocks finished a choppy, modestly negative week as mega-cap leadership faded, though market breadth improved. Equal-weighted stocks, cyclicals, value, and small/mid caps outperformed. Inflation met expectations, economic data stayed...
Read MoreMarket Commentary 1/13/26
Markets opened 2026 at record highs led by small caps and small cap value as investors rotated into cyclical sectors. Economic data supported optimism with lower unemployment and a patient Fed. Despite geopolitical oil headlines, crude...
Read MoreMarket Commentary 1/6/26
Holiday shortened trading was muted with light volume and no clear catalysts. Major indexes drifted lower as the Nasdaq fell 1.5 percent, the S and P 500 declined 1.0 percent, and the Dow dropped 0.7 percent. Consumer discretionary and...
Read More2025 in Review and What You Should Know
As we begin a new year and consider the opportunities ahead, reflecting on the past year helps put today’s financial landscape into perspective and informs the strategies that can move us closer to our goals. 2025 was a year marked by...
Read MoreMarket Commentary 12/23/25
Markets ended the final full trading week mixed. The S&P 500 was nearly flat, while the Nasdaq gained on late-week tech strength. Energy declined sharply as oil and gas fell. Lower fuel prices helped holiday travelers, with gasoline at...
Read MoreGoal Setting That Sticks: Simple Ways to Turn January Motivation into Lasting Wins
Key Takeaways and Suggestions for Successful Goal Setting Use SMART Goals for Clarity and FocusSet goals that are Specific, Measurable, Achievable, Relevant, and Time-bound. This proven method helps break big ambitions into manageable...
Read MoreMarket Commentary 12/17/25
Markets finished mixed after a cautious Fed rate cut. Dow hit record highs, small caps led, while S&P 500 and Nasdaq fell amid tech and AI volatility. Sector rotation favored cyclicals over growth. Investors now watch jobs and...
Read MoreMarket Commentary 12/9/25
Markets ended modestly higher as investors awaited the FOMC meeting. Tech and Energy led, while defensive sectors lagged. Crypto volatility and yields pressured sentiment early, but mega-cap tech stabilized markets. Inflation data met...
Read MoreYear-End Giving Strategies: Tax-Smart and Impactful
Key Takeaways A third of annual donations: About one-third of all charitable contributions are made in December. Donating before December 31 may offer tax advantages. New rules starting in 2026 (via the OBBB Act) may affect deductions...
Read MoreMarket Commentary 12/2/25
Major markets rallied in the holiday-shortened week, with all major indices reclaiming their 50-day averages and the S&P 500 posting its best week since May. Broad gains across all sectors and style boxes lifted November positive. Odds...
Read MoreMarket Commentary 11/25/25
The Major Markets fell as the Nasdaq, S&P 500, and Dow broke below 50-day averages, led by weakness in mega-cap tech. Defensive sectors like health care and staples gained. Volatile swings followed Fed comments, AI-trade concerns, and...
Read MoreMarket Commentary 11/18/25
Markets ended mixed after a volatile week. The Dow hit a record above 48,000 while the Nasdaq and Russell 2000 fell. Healthcare and Energy gained; Consumer Discretionary lagged. Early optimism faded after hawkish Fed remarks. Despite...
Read MoreThe True Costs of Caring for Aging Parents
Key Takeaways Caring for aging parents is a growing reality for many Americans. The number of family caregivers in the U.S. has jumped to 63 million, a 45 percent increase over the past decade, making 1 in every 4 Americans a...
Read MoreMarket Commentary 11/5/25
Markets mostly rose, led by the Nasdaq’s 2.25% gain, though weakness showed beneath mega-cap strength as small and mid-caps fell nearly 3%. The Fed cut rates again, but Powell signaled uncertainty on another December cut, lowering...
Read MoreMoney Talks: How to Use Holiday Gatherings to Start Family Financial Conversations
Key Takeaways Year-end holidays may be a good time to initiate a discussion about financial matters that may impact your family. If you have adult children, you may want to discuss your financial situation, estate strategy, and legal...
Read MoreMarket Commentary 10/27/25
Major indexes extended gains, led by the Russell 2000’s 2.5% rise. The S&P 500 hit a record high, up nearly 2%. CPI and Core CPI cooled to 0.3% and 0.2%, bolstering rate-cut odds. Earnings beat forecasts, with 87% topping estimates....
Read MoreMarket Commentary 10/21/25
Stocks rebounded last week as the S&P 500 rose 1.7%, Nasdaq 2.1%, and Dow 1.6%. All 11 sectors gained, led by Communication Services and Real Estate, helped by lower rates. Financials lagged amid bank concerns. Rate-cut odds neared 98%...
Read MoreShould You Pay Off Your Mortgage Early?
Receiving a bonus, inheritance, or an increase in income often prompts a key financial question: Should I use this money to pay off my mortgage, or invest it? At first glance, the answer might seem simple. But in reality, it requires...
Read MoreMarket Commentary 10/13/25
Stocks broke their winning streak as the S&P 500 fell 2.4%, Nasdaq 2.5%, and Dow 2.7%, the biggest weekly drop since April. Tariff tensions between the U.S. and China overshadowed AMD’s OpenAI news. Utilities and Staples held firm...
Read MoreMarket Commentary 10/6/25
U.S. stocks hit record highs despite the government shutdown. The S&P 500, Nasdaq, and Dow gained ~1%, while small caps rose 1.7%. Emerging Markets jumped 3.6% as China, Taiwan, and South Korea rallied. A softening dollar and expected...
Read MoreA 2025 Guide to Protecting Seniors from Fraud
If you’ve found yourself stepping into a more active role in your parents’ financial lives, you’re not alone. Some of us are helping aging parents navigate everything from healthcare decisions to bill payments—and increasingly, we’re...
Read MoreMarket Commentary 9/29/25
Last week, all major indices fell despite record highs earlier. OpenAI announced massive Nvidia and Oracle partnerships, sparking AI bubble concerns. Fed Chair Powell emphasized stability, noting elevated equity prices but no systemic...
Read MoreMarket Commentary 9/22/25
The market hit record highs, led by mega-caps and Fed clarity. Nasdaq outperformed, followed by S&P 500, with Large Cap Growth dominant. Tech-heavy sectors excelled as the Fed cut rates to 4.00–4.25%, signaling more cuts likely....
Read MoreSmart Moves to Consider Before Year-End
The final months of the year can sneak up quickly, and with them come deadlines, decisions, and distractions. Before the holiday season takes over your calendar, fall can be a valuable window to revisit your financial strategy and...
Read MoreMarket Commentary 9/15/25
Markets rose last week, led by Emerging Markets (+3.89%) and Nasdaq (+2.03%) with IT strength from Oracle’s 25% surge after a $300B OpenAI deal. Large Cap Growth dominated. Inflation data were mixed, with PPI weak and CPI hot. Fed...
Read MoreMarket Commentary 9/8/25
Markets posted modest gains as investors weighed corporate news, data, and Fed policy. S&P 500 rose 0.3% and Nasdaq 1.1% to record highs, while Dow slipped 0.3%. Small and mid-caps outperformed. Communication services, led by Alphabet,...
Read MoreMarket Commentary 9/2/25
The S&P 500 briefly hit an all-time high before ending lower, along with all major markets. Style boxes showed little dispersion. Gains were limited to Energy, Financials, and Communication Services. Bonds saw modest yield curve shifts...
Read MoreBreaking Down the One Big Beautiful Bill Act: What You Need to Know
The Tax Cuts and Jobs Act of 2017 (TCJA) included lower federal income tax brackets, bigger standard deductions, and higher gift and estate tax exemptions, among other provisions. The law stipulated that some of those tax breaks would...
Read MoreWhy More Families Are Choosing to Gift Wealth Earlier—and How to Do It
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....
Read MoreMarket Commentary 8/25/25
Markets ended mixed, with Small Cap Value outperforming. Growth stocks lagged. Fed Chair Powell’s Jackson Hole remarks hinted at policy caution, reinforcing expectations for a September rate cut. Treasury yields dipped, especially...
Read MoreWhat You Need to Know About the 2025 Changes to Inherited IRA Rules
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...
Read MoreMarket Commentary 8/11/25
The major markets rebounded, driven by strong earnings and tech gains. The S&P 500 rose 2.4%, nearing a record, while the Nasdaq surged 3.9% to an all-time high. Apple and Nvidia led, fueled by U.S. manufacturing investments. Bond...
Read MoreMarket commentary 8/5/25
Markets declined last week after a strong Monday driven by a U.S.–EU trade deal. The S&P 500 hit a record but fell back. The Fed held rates, with two dissenters. Weak jobs data followed, leading to the BLS chief's firing. Tariff hikes...
Read MoreMarket commentary 7/29/25
Markets rallied last week, with the S&P 500 and Nasdaq hitting all-time highs. All 11 sectors rose, driven by strong earnings and trade optimism. 80% of reporting S&P 500 firms beat EPS estimates. A U.S.–Japan tariff deal boosted...
Read MoreBeyond Salary: Understanding Your Total Compensation
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...
Read MoreMarket Commentary 7/21/25
Markets mostly rose last week, except the Dow. Strong bank earnings boosted the S&P 500. CPI data met expectations, but high enough to delay Fed rate cuts. FedWatch now shows steady rates likely. Trump proposed higher EU tariffs....
Read MoreHow Much Do You Really Know About Stock Market Indexes?
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...
Read MoreMarket Commentary 7/8/25
Markets rose in the holiday-shortened week, with all indices up and the Dow leading. The S&P 500 gained 4.96% in June, recovering earlier losses. Tesla dragged Consumer Discretionary down. Jobs data beat expectations, supporting steady...
Read MoreMarket commentary 6/30/25
Major markets rose last week, with the S&P 500 hitting a record high of 6173.07, gaining 3.4%. Optimism followed a Trump-brokered Israel-Iran ceasefire. Crude oil briefly spiked but settled at $65. This week is shortened for the Fourth...
Read MoreMarket Commentary 6/23/25
Markets ended the holiday-shortened week mostly flat, with slight gains in the Nasdaq and Dow and a small S&P 500 loss. The Fed held rates steady amid GDP uncertainty tied to tariffs. Weak economic data and rising tensions with Iran...
Read MoreHow Do You Turn Retirement Savings into a Reliable Income Strategy?
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...
Read MoreMarket commentary 6/16/25
Markets closed mostly lower amid global geopolitical tensions. Optimism over eased U.S.-China tariffs and progress with India, Mexico, and Canada supported early gains. Middle East unrest spiked oil prices, boosting energy stocks....
Read More“The Four Most Dangerous Words In Investing Are: ‘This Time It’s Different.’” – Sir John Templeton
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...
Read MoreMarket Commentary 6/2/25
U.S. markets rose during Memorial Day week, fueled by delayed tariffs and strong Tuesday gains. Trump postponed EU tariffs to July 9, though legal rulings questioned his authority. May closed with a 6.15% gain—best since Nov. 2023....
Read MoreMarket commentary 5/27/25
Major markets fell last week, with all indices closing in the red. The S&P 500 led the decline after a strong run. Moody’s downgraded U.S. debt, sparking sentiment shifts. Weak Treasury auctions and rising yields weighed on equities....
Read MoreWhat’s the Job Market Look Like for 2025 Graduates?
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...
Read MoreMarket commentary 5/19/25
Markets surged over 5% last week on news of a U.S.-China trade truce, with major tariff reductions boosting optimism. Large Cap Growth led gains, and all 11 sectors rose. Inflation data met expectations, showing stability. Treasuries...
Read MoreIs It Smarter to Buy or Rent a Second Home?
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,...
Read MoreMarket commentary 5/12/25
Markets were mostly down last week, with Emerging Markets up slightly. Volatility remained low, marking the calmest week since February. Despite a break in the S&P 500’s winning streak, earnings season was active—78% of companies beat...
Read MoreMarket commentary 5/5/25
Markets rose broadly last week, with the S&P 500 posting a nine-day winning streak—the longest in 20 years. Earnings were mixed but mostly beat estimates. Q1 GDP fell due to rising imports. Trade optimism emerged as China reviewed U.S....
Read MoreMarket commentary 4/28/25
Markets rallied last week, led by the Nasdaq, with gains in the S&P 500 and Dow. Trump denied any intentions of firing Fed Chair Powell but urged lower rates. Optimism on China tariffs and earnings reports, including Tesla’s 18% surge,...
Read MoreMarket Commentary 4/21/25
Markets ended the holiday-shortened week mixed, with U.S. losses marking the S&P 500’s 11th down week this year. Early gains faded after Fed Chair Powell dismissed the idea of a “Fed put,” citing trade policy uncertainty. The VIX...
Read MoreFrom College Acceptances to Affordability: Considerations for Families in the Final Stretch
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...
Read MoreMarket Commentary 4/7/25
Markets plunged last week after President Trump announced sweeping “Liberation Day” tariffs, including a 10% base rate on all imports and higher rates for certain countries. Global sell-offs followed, with China retaliating. Volatility...
Read MoreMarket Commentary 3/31/25
Last week, stocks fell again, with all major indexes down. Economic data was mixed: strong services, weak manufacturing, rising home prices, and falling consumer confidence. Inflation concerns grew with higher PCE readings. The S&P 500...
Read MoreSpring Into Financial Wellness: Actionable Steps for Financial Literacy Month
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...
Read MoreMarket commentary 3/24/25
Markets ended a four-week losing streak with broad gains across all cap sizes and styles. The FOMC held rates steady but signaled increased economic uncertainty, lowering growth projections. Markets still anticipate two rate cuts in...
Read More10 Things You Can Do Now to Help Simplify Your Estate for Your Heirs
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...
Read MoreMarket Commentary 3/11/25
Markets declined sharply last week, with only Emerging Markets posting gains. Losses in North America dragged down the MSCI World Index. Tariff uncertainty, especially affecting Mexico and Canada, drove volatility. The S&P 500 saw its...
Read MoreThe Evolving Role of Women in Family Finances
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...
Read MoreMarket Commentary 3/3/25
February ended with most major markets down. The Dow Jones rose, while the Nasdaq fell 3.5%, led by NVIDIA’s decline. The S&P 500 dropped 1%, continuing its alternating pattern since September. Tariff news pressured markets, and bond...
Read MoreMarket commentary 2/25/25
Markets declined last week after a strong start, with major indices closing about 2% lower. Consumer Discretionary and Communication Services led losses. Weak economic data, higher jobless claims, and rising inflation concerns hurt...
Read MoreDon’t Leave Money Behind: Finding Your Missing 401(k)s
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...
Read MoreMarket commentary 2/17/25
Major markets gained last week, led by Nasdaq’s 2.5% rise, driven by IT and Communication Services. Super Micro surged 32% on strong forecasts, while Intel gained 24% amid AI chip policy support. Inflation data exceeded expectations,...
Read MoreMarket commentary 2/10/25
Major markets ended mostly lower last week after President Trump issued tariffs on China, Canada, and Mexico, prompting a market sell-off. However, a temporary tariff delay was granted after Canada and Mexico agreed to policy changes....
Read MoreTax season brings a new wave of identity theft risks
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...
Read MoreMarket commentary 2/4/25
Markets were mixed last week, with the Nasdaq down 1.64%, driven by a decline in tech stocks. China's AI model DeepSeek, developed at a fraction of OpenAI’s cost, raised concerns about competition, hitting NVIDIA stock hard. The Fed...
Read MoreMarket commentary 1/28/25
Markets had a strong week despite the holiday-shortened schedule. President Trump, now the second to serve non-consecutive terms, signed executive orders, including an energy emergency. Energy lagged amid oil price concerns. The S&P...
Read MoreMarket commentary 1/21/25
Major markets saw gains last week, with the S&P 500 achieving its best week since November 8. Energy led all sectors, buoyed by Trump’s inauguration and his National Energy Emergency order. Inflation rose 0.4%, influencing interest...
Read More10 Facts You May Not Know About Social Security
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...
Read MoreMarket commentary 1/13/25
The year began with broad market losses, led by a 2% Nasdaq drop. Large-cap growth and small-cap value stocks were hit hardest. Uncertainty looms as President Trump’s return to office brings policy concerns on tariffs and inflation....
Read MoreMarket commentary 1/6/25
The Major Markets closed 2024 with gains, led by the Nasdaq and a 23% S&P 500 return, doubling its historical average. Large Cap Growth soared (+35.15%), while Small Cap Value lagged (+5.15%). Sectors like IT excelled, while Materials...
Read MoreInnovative New Year's Resolutions: Financial and Personal Growth Strategies for 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...
Read MoreKey Financial Insights from 2024 and Looking Ahead to 2025
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...
Read MoreMarket commentary 12/16/24
The Nasdaq hit 20,000 for the first time, while the Dow Jones and S&P 500 declined. Gains were limited to Communication Services, Consumer Discretionary, and Large Cap Growth. Economic reports showed rising CPI (2.7%), PPI (3%), and...
Read MoreMarket commentary 12/9/24
The markets closed mostly positive last week, except for the Dow Jones, which dipped 0.5%. The Nasdaq set four record highs, driven by tech and consumer discretionary sectors, while other S&P sectors declined. Treasuries were steady,...
Read MoreMarket Commentary 12/2/24
The Thanksgiving trading week saw market gains, extending monthly returns across indices. The S&P 500 rose 5.75%, its highest monthly return since November 2023. Energy lagged as crude oil fell 4.5%, while natural gas rose 2.3%. Bond...
Read MoreMarket commentary 11/26/24
Major markets posted gains last week, with most S&P 500 sectors positive except Communication Services, affected by Alphabet’s antitrust news. Target’s earnings miss contrasted Walmart’s beat, showing disparities within Consumer...
Read MoreMarket commentary 11/19/24
Last week saw broad market losses, with Emerging Markets hit hardest due to a stronger dollar and tariff concerns. Domestic markets also dropped, with Small and Mid-caps underperforming Large Caps. Fed Chair Powell’s cautious rate hike...
Read MoreMarket commentary 11/11/24
Last week’s market rally followed Donald Trump’s election win, marking a rare nonconsecutive term presidency. The S&P 500 gained 2.5%, Tesla surged 29%, and small-cap stocks rose up to 8.6%. All sectors closed higher, with Utilities...
Read MoreMarket Commentary 10/28/24
Last week, only the Nasdaq gained slightly while the Dow dropped due to concentrated losses. Earnings reports weighed on markets, with Consumer Discretionary and IT sectors outperforming. Treasuries rose, pulling bonds down. Upcoming...
Read MoreMarket commentary 10/21/24
Major markets mostly rose, with Emerging Markets falling due to China’s economic struggles. The IEA lowered its 2024 world oil demand forecast, citing China's slowdown. U.S. indices hit new highs, though healthcare lagged after...
Read MoreMarket commentary 10/15/24
Four of five major indices saw positive performance last week, with Emerging Markets lagging due to a 7% drop in China’s MSCI Index. The S&P 500 and Dow hit all-time highs, while inflation data tempered aggressive rate cut expectations...
Read MoreMarket commentary 10/7/24
Major markets were mixed last week, with the MSCI World Index declining while others rose slightly. Geopolitical tensions in the Middle East drove oil prices higher, with crude oil futures jumping over 9%. The U.S. employment report...
Read MoreSafeguarding Your Identity: Essential Tips for Financial Security
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...
Read MoreMarket commentary 9/30/24
Major markets rose last week, led by the MSCI Emerging Market Index (+6.15%), driven by Chinese economic stimulus measures. U.S. consumer confidence fell, and the Case-Shiller home price index reached a new high. Lower personal...
Read MoreMarket Commentary 9/23/24
Last week, the Fed cut rates by 50 basis points for the first time since the Covid-induced reduction, surprising some expecting a smaller cut. The S&P 500 initially reacted negatively but recovered. Mixed sector performance and a...
Read MoreThe Impact of Elections on the Markets and Tax Policy
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...
Read MoreMarket commentary 9/16/24
Major markets gained after the S&P 500's largest sell-off in a year, with the Nasdaq up nearly 6%. NVIDIA, rising 16%, significantly influenced the market, contributing to a year-to-date return of 140.51%. CPI data impacted rate cut...
Read MoreMarket commentary 9/3/24
The final unofficial week of summer saw mixed market results. The Nasdaq and Dow Jones diverged, while the S&P 500 neared its all-time high. Eight of eleven sectors rose, but IT, Communication Services, and Consumer Discretionary fell....
Read MoreDon’t Be A Victim Of The Retirement Crisis
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...
Read MoreMarket Commentary 8/19/24
Last week, major markets rebounded, recovering most losses from the mid-summer sell-off. The S&P 500 nearly recouped its drop, driven by positive economic and earnings reports. With 78% of S&P 500 companies surpassing EPS estimates,...
Read MoreMarket commentary 8/13/24
It was a volatile week in the market last week despite the final returns in the Major Markets. The Yen's strengthening and recent Nasdaq losses led to a sharp S&P 500 drop, reflected in the VIX index spike. However, the S&P 500...
Read MoreMarket commentary 7/15/24
Major markets closed higher last week with the Nasdaq and S&P 500 hitting new highs. Real estate and Utilities led sector performance while Communication Services lagged due to declines in Meta and Netflix. Key economic events included...
Read MoreTen Common Estate Strategy Mistakes You Should Avoid
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...
Read MoreMarket commentary 7/2/24
The first half of the year ended with mixed market results. The NASDAQ and MSCI World Index closed positively, while the S&P 500, Dow Jones, and Emerging Market Indices fell. The S&P 500 gained 3.5% in June and 14.48% for the first...
Read MoreMarket commentary 6/26/24
2024-06-24 Market Commentary Cleap-Leap Wealth Management from Leap Wealth on Vimeo. Last week, all five major markets closed higher, with the Dow leading despite a shortened trading week. The IT sector saw a reversal, while Consumer...
Read MoreMarket commentary 6/18/24
Major markets mostly rose, with the Nasdaq leading at 3.25%. The S&P 500 gained over 1.5%, driven by the IT sector's 6.5% rise. Broadcom and Adobe boosted IT, up 29% YTD. Economic news included no Fed rate change and a split in future...
Read MoreFinancial Wedding Tips for a Memorable “I Do”
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...
Read MoreMarket commentary 6/11/24
Last week, all five major market indices gained, with the S&P 500 and Nasdaq reaching all-time highs. Despite these gains, there were imbalances: Large Cap Value closed negative, and mid/small caps dropped over 2%. Sector-wise,...
Read MoreMarket commentary 6/3/24
Major markets closed the Memorial Holiday-shortened week with losses across all five indices. However, the S&P 500 posted a strong monthly gain of 4.8%, the second-best this year. Large Cap and Growth segments suffered most, yet...
Read MoreThe Evolving Relationship Between Stocks and Bonds
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...
Read MoreMarket Commentary 5/28/24
Last week saw mixed market results, with the Nasdaq up 1.4%, the Dow Jones down 2.3%, and the S&P 500 flat. The Information Technology sector outperformed, while the economic calendar showed mixed results, including falling home sales...
Read MoreMarket Commentary 5/21/24
The Major Markets gained last week, with the S&P 500 achieving its fourth consecutive week of gains and a new all-time high. Inflation concerns rose with a higher-than-expected Producer Price Index, but a favorable Consumer Price Index...
Read MoreWeekly Market Commentary 5/14/24
Last week, major markets saw widespread gains, with the Dow Jones leading and the S&P 500 nearing its all-time high. All 11 sectors gained, though Consumer Discretionary and Information Technology lagged, resulting in modest NASDAQ...
Read MoreMarket Commentary 5/5/24
Major U.S. stock indices rose last week, led by emerging markets. However, April saw the first monthly loss since October amid persistent inflation concerns. Economic data was mixed, weighing on markets early in the week. The Fed kept...
Read MoreWeekly Market Commentary 4/29/24
Last week, major stock markets rebounded with all indices and sectors posting gains, led by Information Technology. This positive market movement coincided with significant earnings reports from over 800 companies, many in tech,...
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Weekly Market Commentary 4/8/24
The second quarter started with significant market losses, particularly affecting the Dow Jones. Despite a surprising addition of 303,000 jobs in March, the increase in part-time employment raised concerns. The Federal Reserve's...
Read MoreInvesting in a Presidential Election Year
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...
Read MoreSECURE Act 2.0 Includes New Provision On Special Needs Trusts
Experts estimate there are more than 44 million people with disabilities in the U.S., representing 13.4% of the population.1 Many parents of children with disabilities choose to establish a special needs trust. This can help provide...
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The S&P 500 and Dow Jones Hit Record Highs!
President’s Day trading week was a winner! The S&P 500 and Dow Jones hit record highs, and Thursday stole the spotlight with major companies unveiling 1st quarter earnings. NVIDIA took the lead, smashing estimates and boosting...
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Only 4 Sectors Dipped, but S&P 500 Fell 42 Basis Points
Mixed week in the markets! Domestic market pulled back, but small & mid-caps held strong. Only 4 sectors dipped, but S&P 500 fell 42 basis points due to losses in Information Tech & Communication. Tuesday saw the biggest drop...
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S&P 500 Closing Above 5000 for the First Time
Markets surged with gains across all five indices, notably the S&P 500 closing above 5000 for the first time. This marks the 14th positive week out of the last 15, a feat not seen since March 1972.
Read MoreThe Psychology of Love and Money
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...
Read MoreRules and Regulation Changes That Could Impact Your Finances in 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...
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S&P 500 Continues Impressive Streak: Third Consecutive Week of Soaring Highs
The Major Markets continued their climb higher with the S&P 500 reaching a new all-time closing high Thursday. This marks the third consecutive week higher for the S&P 500 and the 12th positive week out of the last 13. The gains were...
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S&P 500 Hits All-Time Highs
Trading week closes on a positive note as S&P 500 hits fresh all-time highs, while Emerging Markets struggle to gain momentum. Economic reports beat expectations, with gains in Retail Sales, Home Builder Confidence, and more. FOMC members d
Read MoreThe Big Game Indicator and Other Unusual Economic Theories
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...
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The Dow had the Weakest Positive Performance
Major markets closed mostly higher last week, marking the 10th positive week in the last 12. The Dow had a weaker performance due to Boeing's troubles. Tech and Communication sectors led, pushing Nasdaq up by three points. Energy and...
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Major markets had a rough start to the year, with all five indices closing lower.
Major markets had a rough start to the year, with all five indices closing lower. The S&P 500 saw its first weekly loss of 1.5% after nine consecutive weeks of gains, falling just short of the previous all-time high set almost two...
Read MoreMajor Tax Changes Looming: Are You Ready?
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...
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Seventh Consecutive Week of Gains for the S&P 500
Last week, the markets remained bullish with all five indices closing higher, marking the seventh consecutive week of gains for the S&P 500. The standout moment was Wednesday's FOMC Meeting, where the Fed decided to keep interest rates...
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Energy Had a 3.25% Loss
Last week, major markets closed mostly higher despite some weakness, especially in Emerging Markets. The Dow barely made it into positive territory, while the S&P 500 had its smallest gain in the past six weeks, hitting a new 52-week...
Read MoreWhat to Know When Your Child Turns 18
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...
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The S&P 500 Marked Its Fifth Consecutive Week of Gains
Major markets had a positive week, with all five indices closing higher. The S&P 500 marked its fifth consecutive week of gains, achieving the best monthly return since July 2022. Small Cap Value outperformed Large Cap Growth....
Read More2023 Recap and 2024 Outlook: Key Events and What May Be in Store
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...
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S&P 500 is on Fire
The Major Markets are on fire! S&P 500 notches its third consecutive week of gains, boasting an impressive 7.64% return for November so far - the best since October last year. Last week's standout was Tuesday, with a surge attributed...
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The Nasdaq surged by 6.5%
Last week, major markets bounced back after two weeks of losses. The Nasdaq surged by 6.5%, and the S&P 500 gained 5.85%, its biggest weekly increase in almost a year.
Read MoreTop 7 Most Common Estate Strategy Mistakes (and How to Avoid Them)
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...
Read MoreNavigating the Costs of Senior Care: Tips for Preparing for Long-Term Care
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...
Read MoreNasdaq gained over 3% last week
Last week, major markets closed higher, with the Nasdaq gaining over 3% and the S&P 500 exceeding the 4200 level for the first time this year. However, the bond market experienced a decline due to rising interest rates. Fed officials...
Read MoreOPEC announced cuts of roughly 1.6 million barrels per day
Last week, most major markets ended lower except for the Dow Jones, which benefited from its narrow exposure to Blue Chip Stocks. Large Cap Growth managed to eke out a slight gain, but Small and Mid-Cap rows saw significantly lower...
Read MoreThe MSCI World index saw the greatest gains
In the final week of the first quarter, all 5 indices closed higher. The MSCI World index saw the greatest gains followed closely by the S&P 500, which logged its greatest weekly gain since November. The financial sector weathered the...
Read MoreThe Major Markets sprung to life last week with gains across all five indices
The Major Markets sprung to life last week with gains across all five indices, despite the seemingly ever-present volatility related to banking confidence. The week began with the news that UBS completed the acquisition of the troubled...
Read MoreThe Nasdaq was the standout performer as it added 4.41%
The Major Markets navigated a tumultuous week last week with mixed results. The Nasdaq was the standout performer as it added 4.41% followed distantly by the S&P 500 which managed to add 1.43%. The remaining three indices ended...
Read MoreForbes had highlighted SVB for the 5th year in a row as one of America’s Best Banks
The Major Markets fell once again last week as the market dealt with the news of a bank run. All five indices fell substantially with the Nasdaq seeing the greatest losses. The S&P 500 was not far behind with a loss just over 4.5%. By...
Read MoreThe Nasdaq recovered a significant amount of lost ground from last year with a year to date return o
The Major Markets broke their losing streak with gains in all five indices. The Nasdaq held the greatest gains as it exceeded 2.5%, but even the lowest performer saw a gain of 1.66% in the Emerging Market space. For the S&P 500, nearly...
Read MoreThe federal reserve did increase interest rates by 25 basis points from 4.5 to 4.75%.
The selling took hold last week with all five indices of the major markets closing lower. Despite this being a holiday shortened trading week, the S&P 500 logged the greatest weekly losses year to date and the third consecutive loss at...
Read MoreLeap Wealth Management February 2023 Digital Assets Webinar
LWM Digital Assets Webinar Feb 2023 from Leap Wealth on Vimeo.
Read MoreJanuary Retail Sales report reflected a monthly increase of 3%
The Major Markets closed the week mixed with only the Nasdaq closing higher. The S&P 500 opened initially higher Monday as the market was poised to stage a comeback after the prior week’s losses. Yet Monday’s gains...
Read MoreThe Major Markets ended the week lower with losses in all five indices
The Major Markets ended the week lower with losses in all five indices. The Nasdaq saw the greatest losses as the Tech index felt the pain of a loss in conviction to the buy side of the market last week. For the S&P 500, the market...
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