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An Overview of the Tax Changes for 2019

Scan Alert Image.jpg by Tom Rueger, CFP®​

By now everyone is aware of President Trump’s Tax Cuts and Jobs Act that overhauled the tax code and generally lowered corporate and individual income tax rates beginning with the 2018 tax year. Following is an update of those changes as they will apply to the 2019 tax year (to be filed in April of 2020).

Monthly Markets Memo - January 2019

World Money Small.jpgby Dan Zalipski, CFA 

The Fed raised interest rates as expected in December.  Investors were expecting the Fed to pause any additional rate increases after December’s move, but the Fed forecasted two more rate increases in 2019.  Investors were concerned that continued rate increases could spell trouble for the economy as it was already starting to show some potential signs of slowing. 

Market Minute - January 15, 2019

by Scott Rosenquist, CFA

2018 Recap

The financial markets finished down last year across almost every major asset class.  You know it was a difficult year when cash was the best performing asset.  The year 2018 was almost the exact opposite from 2017, when all asset classes were positive, and cash was the worst performer.  This is quite unusual to say the least. 

Advice for the New Workforce

Scan Alert Image.jpg by Jonathan Alton, CFP®​

Making sure your kids are prepared to make smart financial decisions may be one of the last lessons you can teach them. Entering the workforce in a full-time position is one of the most exciting and nerve-racking times for a young adult (and their parents, too!).

Monthly Markets Memo - December 2018

World Money Small.jpgby Dan Zalipski, CFA 

Unless Santa delivers a last-minute present, stocks are looking like a real lump of coal as we close out the year.  Bonds are also struggling this year in the face of rising interest rates, with the Barclays Aggregate Bond index sitting on a loss at the time of this writing.  We may be witnessing some history in the making as the S&P 500 and the Barclays Aggregate Bond index have never both posted negative returns in a calendar year.  This highlights what an unusual year 2018 has been for the markets.

Market Minute - December 14, 2018

by Scott Rosenquist, CFA

Trade and Interest Rates

Financial market headlines continue to be dominated by two topics, tariffs and interest rates.  There were notable events regarding both recently and I’d like to take a minute to discuss them. 

Retirement Savings and Social Security Adjustments

Scan Alert Image.jpg by Matthew Emerson

Every year, the U.S. government changes a variety of investment and benefits thresholds based on the inflation rate.  But since inflation has been pretty tame, most of the changes have been modest these past ten years. The following are highlights of big changes set to begin in 2019.

Monthly Markets Memo - November 2018

World Money Small.jpgby Dan Zalipski, CFA 

It goes without saying that the recent volatility has been unsettling as investors have watched 2018 gains evaporate amid the turmoil.  It’s times like these where we must remind ourselves that corrections are a routine occurrence and not necessarily a sign of an imminent prolonged downturn. Corrections, defined as a 10% drop from the most recent peak occur on average once a year.  Smaller market declines between 5-10% are even more frequent averaging about four per year.  Compared to recessions, they are relatively short in duration, but can still linger for several months.  Trying to time moves within a portfolio in anticipation of a correction is difficult due to their frequency and somewhat unpredictable nature.  Coming out of a correction, however, is a prudent time to assess the correction’s impact on a portfolio and rebalance appropriately.  

Market Minute - November 19, 2018

by Scott Rosenquist, CFA

Market Volatility

The month of October brought volatility back to the market as the major equity indices posted negative returns for the month.  This was also seen internationally, as developed and emerging markets were also negative for the month.  Investors were left wondering what caused the spike in volatility and will it continue?

Take the First Step

Scan Alert Image.jpg by Jon Flaherty

Have you ever procrastinated when it comes to your finances?  It could be something small like reviewing your recent statements or it could be something larger and more complex like deciding to finally do something with an old 401(k) account.  I’ve often found the first step seems to take the longest, especially if it is a task I’ve never done before.  It’s purely the decision to start that holds up the process, especially when there is an element of unknown involved.  When it comes to your finances, what are you putting off and do you realize how much it could be costing you?

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