Blog
Market Insights | Stocks Rise with Upbeat News
Stocks rose last week as peace talks picked up while investors cheered better-than-expected economic news and Q1 corporate results. The Standard & Poor’s 500 Index advanced 2.33 percent, while the Nasdaq Composite Index rose 4.51...
Read MoreEarnings Season: The Real Story Markets Are Hearing
Earnings season can reveal pricing, costs, and consumer demand trends. Learn what to listen for beyond beats and misses.
Read MoreMarket Volatility Cycles and Behavior
History consistently supports the value of “staying the course.” Investors who maintained diversified portfolios through major downturns, such as the 2008 crisis, generally recovered and benefited from the market’s long-term upward trend.
Read MoreMarket Timing: Gotta Be Right Twice, Twice
Why Market Timing Is So DifficultMarket timing sounds simple in theory, but in real life, it requires a level of precision that is almost impossible to master consistently.To get it right, an investor has to make two correct decisions....
Read MoreArtemis Moon Mission
Something remarkable is happening right now—and it’s too good to miss.NASA's Artemis II mission has sent four astronauts on a 10-day journey around the far side of the Moon—the first lunar mission with a crew in over 50 years.This is a...
Read MoreShow All
The Beginning of a New Financial Chapter
In Iowa, April brings a sense of renewal. Tractors line the edges of farm fields, greenhouses fill with eager weekend gardeners, and families begin planning summer vacations and long-awaited getaways. It’s also a season of milestones -...
Read MoreWeekly Market Insights | Wall Street Reacts to Middle East Conflict.
Stocks ended a challenging week lower as investors' attention shifted from updates on ceasefire talks to concerns about the economic impact of a protracted conflict.The Standard & Poor’s 500 Index lost 2.12 percent, while the Nasdaq...
Read MoreMarket Insights | Markets Dizzied by Rapid Reports
Another volatile week unfolded as rapid developments in the Middle East and public comments from leaders on the conflict see-sawed markets, leaving investors struggling to keep up with updates.The Standard & Poor’s 500 Index lost 1.89...
Read MoreWeekly Market Insights | Markets Weather Volatile Week
Stocks logged a third-straight down week as investors digested the latest news out of the Middle East, navigated more volatility, and mulled the latest economic data. The Standard & Poor’s 500 Index declined 1.60 percent, while the...
Read MoreMarket Insights | AI Report, Inflation Provoke Rocky Week
Stocks fell last week amid concerns about artificial intelligence (AI) and a warmer-than-expected reading of wholesale inflation. The Standard & Poor’s 500 Index fell 0.44 percent, while the Nasdaq Composite Index declined 0.95 percent...
Read MoreMy path Financial Planning started in Service
My path into financial planning didn’t start in finance—it started in service. Before I became an advisor, I volunteered with Twenty-First Century African Youth Movement (AYM) and saw firsthand how integrity, patience, and steady...
Read MoreMarket Insights | Supreme Court Rules Against White House Tariffs
Stocks ended a choppy four-session run in the green, with tech-led momentum earlier in the week prevailing over news of a slowing economy, sticky inflation, and geopolitical tensions.The Standard & Poor’s 500 Index advanced 1.07...
Read MoreNew Retirement Contribution Limits for 2026
The Internal Revenue Service recently released new limits for 2026. Although these adjustments won’t bring any major changes, there are some minor elements to note.Individual Retirement Accounts (IRAs)IRA contribution limits are up...
Read MoreMarket Insights | Roller Coaster Week Leads Dow to Milestone
Stocks were mixed last week, with broad gains on Monday and Friday bookending midweek selling pressure as investors digested earnings results from more than 100 S&P 500 companies.The Standard & Poor’s 500 Index ended the week roughly...
Read MoreMarket Insights | Kevin Warsh Nominated to Fed Chair
Stocks were mixed last week as investors navigated Q4 corporate results, a widely expected Fed decision, and a handful of economic reports.The Standard & Poor’s 500 Index rose 0.34 percent, while the Nasdaq Composite Index edged down 0...
Read MoreLove Your Financial Plan
February is often associated with love—cards, flowers, and gestures meant to remind the people in our lives that they matter. Yet for many of us, love is expressed less in words and more in preparation. As a financial advisor, I see...
Read MoreMarket Insights | Markets Await Q4 Reports
Markets ended a short but eventful week slightly lower amid geopolitical tensions and fresh tariff threats. However, constructive economic news appeared to buoy spirits as the week progressed.The Standard & Poor’s 500 Index fell 0.35...
Read MoreMarket Insights | Santa Brings Joy for the DJIA
Stocks posted solid gains in an action-packed week of market-moving economic data, geopolitical news, and bullish new year sentiment.The Standard & Poor’s 500 Index gained 1.57 percent, while the Nasdaq Composite Index added 1.88...
Read MoreMarket Insights | Santa Rally in Holding Pattern
Stocks trended lower last week amid signs of year-end profit-taking and some sour investor sentiment over the Fed meeting minutes.The Standard & Poor’s 500 Index fell 1.03 percent, while the Nasdaq Composite Index lost 1.52 percent....
Read MoreA Smart Start to 2026
The start of a new year is one of the best times to reset and refresh. It offers a natural pause to reflect, refocus, and make intentional decisions about your money and finances. Rather than setting unrealistic “resolutions,” the most...
Read MoreMarket Insights | Santa Arrives on Wall Street
Stocks delivered for investors last week as positive economic data and bullish holiday cheer powered the start of a “Santa Claus rally” past consumer bah humbug sentiment.The Standard & Poor’s 500 Index rose 1.40 percent, while the...
Read MoreWeekly Market Insights | Jobs Data Delivers Bumpy Week
Stocks posted a slight gain last week as mixed jobs data triggered some selling pressure before a cooling inflation report helped stocks recover.The Standard & Poor’s 500 Index inched ahead 0.10 percent, while the Nasdaq Composite...
Read MoreMarket Insights | Stocks Bumpy, Awaiting Fed Meeting
Stock prices pushed higher last week, notching multiple records along the way as employment and inflation data took center stage in anticipation of the Fed’s upcoming meeting. The Standard & Poor’s 500 Index rose 0.31 percent, while...
Read MoreOut with 2025…in with the New
As we approach the end of the year, many individuals are reminded of how quickly time passes. For most, closing out 2025 offers a welcome opportunity to reset, refocus, and prepare for a productive year ahead. Before officially...
Read MoreMarket Insights | AI Delivers Rocky Week for Stocks
Heightened volatility was on Wall Street’s mind last week, as investors continued to focus on valuations of artificial intelligence (AI) stocks. The Standard & Poor’s 500 Index fell 1.95 percent, while the Nasdaq Composite Index...
Read MoreWhat’s the Real Purpose of a Retirement Strategy?
“What’s the purpose of a retirement strategy?” Simple question… but the answers usually overcomplicate it. Even AI got it wrong. When I asked Gemini, it replied “A comprehensive, disciplined roadmap to convert long-term financial goals...
Read MoreWeekly Market Insights | Washington D.C. Resumes Business
Stocks ended mixed after a nail-biting week for investors, who grew anxious over megacap tech valuations and interest rates as the government shutdown came to an end. The Standard & Poor’s 500 Index edged up 0.08 percent, while the...
Read MoreDon’t forget about the requirements!
The purpose of RMD rules is to ensure that people don't accumulate retirement accounts, defer taxation, & leave these funds as an inheritance. RMDs force the holder to withdraw at least some of the funds as taxable distributions
Read MoreWeekly Market Insights | Tough Week for Tech Stocks
Stocks hit a rough patch last week as fresh labor market data, low consumer sentiment, and the ongoing government shutdown unnerved investors. The Standard & Poor’s 500 Index declined 1.63 percent, while the Nasdaq Composite Index...
Read MoreWeekly Market Insights | Happy Q3 Results in Upbeat Market
Stocks rose last week thanks to a full slate of upbeat third-quarter corporate results and mild inflation data, which helped soften concerns over trade tensions with China. The Standard & Poor’s 500 Index gained 1.92 percent, while...
Read MoreDo Interest Rates Really Matter?
Do interest rates really matter? When I was growing up on the farm in the mid-80s, I can remember very distinctly the frustration that my father shared with the family over how much the interest was on the new manure spreader and feed...
Read MoreWhat My New BFA Designation Means for You
I’m excited to share that I recently completed the Behavioral Financial Advisor (BFA) certification! This designation combines traditional financial planning with the science of how people make decisions—especially under stress,...
Read MoreWeekly Market Insights | Stocks React to Powell Comments, Potential Government Shutdown
Stocks fell last week, buffeted by concerns about stock price valuations and a possible government shutdown. The Standard & Poor’s 500 Index declined 0.31 percent, while the Nasdaq Composite Index lost 0.65 percent. The Dow Jones...
Read MoreWeekly Market Insights | Stocks Rise Ahead of Fed Meeting
Stocks posted a solid gain last week, riding a rally in megacap tech stocks while overcoming interest rate anxiety, a downward revision to jobs data, and mixed inflation reports. The Standard & Poor’s 500 Index rose 1.59 percent,...
Read MoreMarket Insights | Megacaps Up, Jobs Decline
Stocks made gains last week, even as megacap tech gains outweighed economic concerns. The Standard & Poor’s 500 Index advanced 0.33 percent, while the Nasdaq Composite Index rose 1.14 percent. The Dow Jones Industrial Average...
Read MoreState Fairs Are Over.... Back to the Books!
State Fair is over….back to the books Once the State Fair has ended and the animals have left the barn, we prepare for the routine of back to school, preparing the boat for winter, and organizing our life for the holidays. As the...
Read MoreMarket Insights | Investors React to Mixed Signals
Stocks rose last week despite mixed signals on inflation as investors kept one eye on the Fed’s September meeting. The Standard & Poor’s 500 Index advanced 0.94 percent, while the Nasdaq Composite Index added 0.81 percent. The Dow...
Read MoreWeekly Market Insights | Stocks Rise on Earnings, Despite Tariffs
Stocks rebounded last week as investor optimism for a September rate adjustment and strong Q2 corporate results overcame the rollout of fresh tariffs. The Standard & Poor’s 500 Index rose 2.43 percent, while the Nasdaq Composite Index...
Read MoreWeekly Market Insights | Markets Retreat After Data-Heavy Week
Stocks fell last week as investors assessed progress on trade negotiations, new U.S. tariffs, and fresh data on the U.S. economy. The Standard & Poor’s 500 Index fell 2.36 percent, while the Nasdaq Composite Index declined 2.17...
Read MoreGovernment Policy Can Affect Retirement Planning
The One Big Beautiful Bill Act, signed into law on July 4th, is one of the most sweeping economic overhauls in recent history. Whether you’re a working parent, a retiree, or a small business owner, this legislation is likely to affect...
Read MoreThe Hunt is On
Did you know there is a simple way for you to locate and claim missing money or unclaimed property?
Read MoreMarket Insights | Mixed Stocks; Inflation and Consumers Adjust
Stocks were mixed last week, battling through tariff talk while responding to upbeat quarterly corporate reports and a trove of updates on the economy. The Standard & Poor’s 500 Index rose 0.59 percent, while the Nasdaq Composite...
Read MoreA quick glance at the latest tax law overhaul
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...
Read MoreCelebrate Freedom - And Secure Your Financial Future
July is a month that stirs deep emotions for many of us. As we celebrate Independence Day, we reflect on the freedoms we enjoy; and for those in your late 50s, 60s, or early 70s, one of the most important freedoms we seek is Financial...
Read MoreWeekly Market Insights | Markets Hold Broad-Based Rally
Stocks staged a broad-based rally last week on investors’ hopes for a lasting Middle East ceasefire, hitting fresh record highs along the way. The Standard & Poor’s 500 Index rose 3.44 percent, while the Nasdaq Composite Index added 4...
Read MoreBig Change: No More Pennies
No more passing them by when you see one on the sidewalk. Forget about wasting a couple by putting them in your loafers. And don’t even consider throwing them into a wishing well. The Treasury Department has announced that it is...
Read MoreMarket Insights | Market Attention Turns to Trade and Oil
Stocks fell last week as an up-and-down mix of trade progress and anxiety, economic news, and geopolitical tensions netted out. The Standard & Poor’s 500 Index slid 0.39 percent, while the Nasdaq Composite Index slipped 0.63 percent....
Read MoreEnjoy the Season While Staying on Track
This time of year, brings me to the outside and spending more time in my garden. Summer brings longer days, warmer weather, and opportunities to enjoy the freedom that retirement offers. Whether it’s traveling, spending time with...
Read MoreMarkets Cheer U.S./E.U. Trade Talks
Stocks advanced over the short trading week, bolstered by a possible trade deal with the European Union (EU) and an upbeat corporate report from a mega-cap tech company that creates semiconductors used in the creation of artificial...
Read MoreMarket Insights | Markets Cringe At Returned Tariff Talk
Stocks moved lower last week as fiscal fears and fresh tariff threats loomed over market sentiment. The Standard & Poor’s 500 Index fell 2.61 percent, while the Nasdaq Composite Index dropped 2.47 percent. The Dow Jones Industrial...
Read MoreWeekly Market Insights | U.S./China Tariff Truce Tames Markets
Stocks roared higher last week, powered by upbeat trade news and tame inflation reports. The Standard & Poor’s 500 Index rose 5.27 percent, while the Nasdaq Composite Index spiked 7.15 percent. The Dow Jones Industrial Average added 3...
Read MoreWeekly Market Insights | Positive Indicators Lift Stocks into May
Stocks pushed higher last week as investors cheered the White House’s constructive comments on trade, upbeat Q1 corporate reports, and an encouraging jobs report. The Standard & Poor’s 500 Index gained 2.92 percent, while the Nasdaq...
Read MoreWeekly Market Insights | Markets React to Positive Trade Talk
Stocks pushed higher last week, spurred by the White House's reassuring comments that progress was being made with trade talks. The Standard & Poor’s 500 Index gained 4.59 percent, while the Nasdaq Composite Index picked up 6.73...
Read MoreSometimes Fear Drives Us
Fear plays a powerful role in driving the stock market, often dictating short-term fluctuations and long-term trends alike. While the market is influenced by a wide variety of factors - economic indicators, earnings reports,...
Read MoreWeekly Market Insights | Rally Caps Volatile Week
Stocks ended the week with a strong gain as traders continued to focus on tariff talks while appearing to overlook upbeat news on inflation. The Standard & Poor’s 500 Index rose 5.70 percent, while the Nasdaq Composite Index gained 7...
Read MoreTariffs Stir Market Volatility
Every investor knows there are highs and lows during the year. The challenge is remaining focused during the lows. As the 2025 tariff talks have progressed, stock prices have seen more down days than up days as the details get rolled...
Read MoreWeekly Market Insights | Fed Happy Talk Breaks Bad News Streak
Stocks notched a solid gain last week as upbeat comments from the Fed helped stocks snap their four-week losing streak. The Standard & Poor’s 500 Index rose 0.51 percent, while the Nasdaq Composite Index picked up 0.17 percent. The...
Read MoreStock Pullbacks Are Helpful, Not Hurtful
Do me a favor: print the chart in this email and pin it to your wall. I want you to have a constant reminder that stock prices see pullbacks several times during the year. It’s a normal, healthy part of the investing cycle. Is it...
Read MoreHow about a ROTH IRA?
How about a ROTH IRA? As a financial advisor for over 20 years, there are many questions that we get from our clients about retirement, about saving, and about insurance. One of the most common questions that I receive pertains to...
Read MoreWeekly Market Insights | Tariff Talk Returns, Volatility Close Behind
Stocks were mixed last week as investor concerns over inflation and trade policy combined to produce another volatile trading week. The Dow Jones Industrial Average rose 0.95 percent, while the Standard & Poor’s 500 Index lost 0.98...
Read MoreWeekly Market Insights | New Indicators Rattle Investors
Stocks fell last week as concerns about sticky inflation and the pace of economic growth rattled investors. The Standard & Poor’s 500 Index declined 1.66 percent, while the Nasdaq Composite Index dropped 2.51 percent. The Dow Jones...
Read MoreWeekly Market Insights | Markets Advance Amid Volatile Week
Stocks advanced last week despite some intra-week volatility as investors showed concern about the economy's strength. The Standard & Poor’s 500 Index gained 1.47 percent, while the Nasdaq Composite Index picked up 2.58 percent. The...
Read MoreA Message to Our Loved Ones
For many of us, we don’t always take the time, or find the right ways, to express the love we have for one another. We often bottle these feelings up in cards, gifts, or, increasingly, in social media posts and memes. While the shift...
Read MoreWeekly Market Insights | Markets Process Tariff Deals, New Data
Stocks posted modest losses last week as tariff deals, January jobs data, and Q4 corporate reports injected volatility into markets. The Standard & Poor’s 500 Index slipped 0.24 percent, while the Nasdaq Composite Index lost 0.53...
Read MoreYour Coffee Fix Just Got More Expensive: Here's Why
If you've noticed your morning brew getting pricier lately, you're not imagining things. Coffee prices have surged to their highest levels since 1977.1 Why the eye-popping prices?
Read MoreWeekly Market Insights | Stocks Decline Slightly as New Year Dawns
Stocks edged lower last week despite a powerful end-of-week rally. The Standard & Poor’s 500 Index lost 0.48 percent, while the Nasdaq Composite Index slid 0.51 percent. The Dow Jones Industrial Average fell 0.60 percent. The MSCI...
Read MoreWeekly Market Insights | Holiday Spending Up
Stocks notched a slight gain over the holiday week. A tech-driven rally in the first half of the week was clawed back in the second half as investors took profits following the market holiday. The Standard & Poor’s 500 Index advanced...
Read MoreWeekly Market Insights | Mixed Data, Mixed Results.
Stocks finished the week mixed, bookending losses around midweek gains as investors digested fresh inflation data. The Standard & Poor’s 500 Index slipped 0.64 percent, while the Nasdaq Composite Index ticked up 0.34 percent. The Dow...
Read MoreWhat Is the Santa Claus Rally?
Is Santa Claus coming to Wall Street this year? December tends to be a cheerful month for stock prices, which has some investors keeping an eye out for a late-year visit from Santa. As you can see from the chart, since 1950, December...
Read MoreWeekly Market Insights | Markets Mixed; Jobs Back on Track
Stocks were mixed during the first trading week of December. Technology stocks led, while the widely followed Dow Jones Industrial Average struggled. The tech-heavy Nasdaq Composite Index picked up 3.34 percent while the Dow...
Read MoreWeekly Market Insights | Solid Gains for Thanksgiving Week
Stocks posted solid gains over a short and busy holiday week as investors parsed fresh economic data, comments on potential future trade policy, and a few Q3 reports from technology companies. The Standard & Poor’s 500 Index gained 1...
Read MoreThe Season of Gift Giving
The Season of Gift Giving When planning for the future and transferring wealth, understanding gift taxes is essential. The Gift Tax Exemption allows you to give assets to others without incurring taxes, however there are specific rules...
Read MoreWeekly Market Insights | Pre-Holiday Optimism Lifts Markets
Stocks advanced last week, powering ahead with pre-holiday optimism despite geopolitical tensions and two disappointing Q3 corporate updates. The Standard & Poor’s 500 Index rose 1.68 percent, while the Nasdaq Composite Index gained 1...
Read MoreWeekly Market Insights | Rally Loses Steam; Fed Weighs Move
Stocks fell last week as the postelection rally lost momentum amid an inflation uptick and cautious comments from Fed officials. The Standard & Poor’s 500 Index fell 2.08 percent, while the Nasdaq Composite Index declined 3.15 percent...
Read MoreDo Elections affect your investments?
Do Elections affect your investments? November 1, 2024 Here we go again; another presidential election, and “oh no!! my investments are all over the place!” Investment decisions during a presidential election year can be complex and...
Read MoreWeekly Market Insights: Mixed Data Leaves Investors Anxious
Stocks advanced last week despite mixed inflation data, lurching oil prices, and lingering anxiety about the Middle East. The Standard & Poor’s 500 Index gained 1.11 percent, while the Nasdaq Composite rose 1.13 percent. The Dow Jones...
Read MoreWeekly Market Insights: Mixed Data Leaves Investors Anxious
Stocks advanced last week despite mixed inflation data, lurching oil prices, and lingering anxiety about the Middle East. The Standard & Poor’s 500 Index gained 1.11 percent, while the Nasdaq Composite rose 1.13 percent. The Dow Jones...
Read MoreWeekly Market Insights: Market Rallies But Ends Week Flat
Stocks were essentially unchanged last week as geopolitical tensions added some volatility to an otherwise quiet trading week. The Dow Jones Industrial Average was flat (+0.09 percent), while the Standard & Poor’s 500 Index ticked up...
Read MoreWeekly Market Insights: Fed Cuts Interest Rate by Half-Point
Stocks moved higher last week after the Federal Reserve’s half-point rate cut, bolstered by multiple data points supporting a cooling but still strong economy and decelerating inflation. The Standard & Poor’s 500 Index gained 1.36...
Read MoreSocial Security 2025 COLA: Projected 2.5% Increase
More than 71 million Social Security beneficiaries can expect a 2.5% cost of living adjustment (COLA) increase in 2025, based on the Q3 inflation data so far.
Read MoreI don’t need a Financial Advisor…or do I?
I don’t need a Financial Advisor…or do I? “Why would we need a Financial Advisor in our life?” Let’s start with a few considerations: Nearing Retirement - As the length of time you’re likely to spend in retirement continues to grow,...
Read MoreHow to Manage Market Volatility
The trader's adage goes, “The stock market takes the stairs up and the elevator down.” The saying helps illustrate the speed at which stock prices can move. Here's how the recent stock market drop happened.
Read MoreNormal Stock Market??
Welcome to the season of “fear” when it comes to the stock market and the relationship around growth for your portfolio. Normally, the 3rd quarter is the most volatile period of the calendar year; this is to say in a normal year. The...
Read MoreOh no... not another change
Have you ever done one thing for long enough that even the thought of a change seemed daunting. Consider the many things that you do in a day to understand whether there is a better or more efficient way to do it.
Read MoreWeekly Market Insights: Investors Anticipate Fed Rate Change
Stocks notched a solid gain last week in a mega-cap, tech-led rally bolstered by positive inflation news. Dow 40,000 The week began quietly as market averages traded in a tight range, awaiting fresh inflation news. On Tuesday, markets...
Read MoreDoes your pension have to stay with your employer?
In 1995, a study was done looking at the top 100 Fortune 500 companies in America. One part of this study was whether there was more value in a defined benefit pension or whether an employer sponsored savings plan would be best. You...
Read MoreWeekly Market Insights: Stocks Rise, Anticipating Rate Cut
Stocks notched a solid gain last week as rate-cut expectations paced the rally as the Q1 earnings season wound down. Stocks Climb Steadily Monday opened with stocks picking up where they left off the prior Friday. Stocks were still...
Read MoreWeekly Market Insights: Despite Turbulent Week, Stocks Stage Comeback
Stocks staged a choppy comeback last week as investors cheered positive earnings, led by mega-cap tech stocks. The rally came to pass despite fresh data showing a slowing economy and increasing inflationary pressures. Stocks Bounce...
Read MoreWeekly Market Insights: Fed Comments Stir the Pot for Stocks
Stocks dropped last week as investors focused on “what's next” for interest rates after mixed comments from multiple Fed officials. Fed Officials Weigh In Stocks struggled out of the gate again last week, ending Monday and Tuesday in...
Read MoreThe 60/40 rule of Diversification
20 years in this industry, I have heard and read many theories about how a person should invest as they approach retirement. Some of the more popular suggestions include: 50/30/20 diversification, 60/40 investing, or even CD or Bond ladder
Read MoreWhat Will You Start This Year?
What will you give up this year? This time of year, the question is often asked, “What do you plan to give up?” Many will give up chocolate or change a negative pattern. Others will begin a positive one. ...
Read MoreWeekly Market Insights: Tech and AI Lead Another Advancing Week
Stocks extended their tech-led advance last week as signs of a resilient and still-enthusiastic consumer boosted momentum. Nasdaq Sets New High Stocks traded in a narrow band early in the week but ended the five-trading sessions with...
Read MoreWeekly Market Insights: Market Retreats on Inflation, Economic Reports.
Stocks fell last week as investors reacted to disappointing inflation updates and other economic reports that fell short of estimates. Stocks Snap Winning Streak Markets were quiet Monday but opened lower Tuesday in response to the...
Read MoreWeekly Market Insights: Investors Move Past Mixed Fed Message
Stocks pushed higher last week as investors cheered mega-cap tech corporate reports and a better-than-expected employment report. Stocks at New Highs At the beginning of the week, stocks surged, anticipating fourth-quarter corporate...
Read MoreWeekly Market Insights: Excitement Around Big Tech Continues
Stocks continued their upward climb last week as excitement around big tech continued; positive economic reports stoked investors’ belief that the Federal Reserve has pulled off a soft landing. Stocks Power Ahead Big tech was...
Read MoreWhat Could My Medicare Cost??
What could my Medicare cost? Will your income 2 years ago change your Medicare premium? How about your IRMAA calculation? Not familiar with that anacronym? IRMAA stands for Income-Related Medicare Adjusted Amount.
Read MoreWeekly Market Insights: Investors Begin to See the Light in Upbeat Week.
Stocks pushed higher last week, led by big tech names and boosted by December inflation reports that were mixed but positive enough to shore up investor confidence in Fed rate cuts this year. Stocks Rock and Roll It was a rocky week...
Read MoreWeekly Market Insights: Investors Enter 2024 in Doubtful Mood
Stocks retreated in the first trading week of 2024, struggling a bit after a celebratory end to last year as investors second-guessed Fed signals and fretted over lingering inflation concerns. New Year Blues Stocks got off to a rough...
Read MoreWeekly Market Insights: Investors Boost Stocks Ahead of Holiday Week
Investor optimism and fears of missing out on future gains propelled stocks higher in the last full week of trading before year-end. The Dow Jones Industrial Average added 0.22%, while the Standard & Poor’s 500 gained 0.75%. The...
Read MoreWeekly Market Insights: Stocks Rally on Fed, Inflation News
Markets reacted positively last week to cooler inflation and the idea of potential rate cuts next year, adding to the gains of the market’s year-end rally. The Dow Jones Industrial Average rose 2.92%, while the Standard &...
Read MoreSanta Boom or Bust??
Santa Boom or Bust, or more commonly known as a Santa Claus Rally. It seemed odd to me that we would associate a holiday with the idea that Santa would bring a change in the stock market. So, let’s talk about what’s really at play here.
Read MoreWeekly Market Insights: Short Week Strong for Stocks
Investor enthusiasm for stocks remained strong last week, buoyed by declining bond yields in a holiday-abbreviated trading week. The Dow Jones Industrial Average picked up 1.27%, while the Standard & Poor’s 500 gained 1.00%. The...
Read MoreHave you Insured Your Retirement?
Have you insured your retirement? After six years of nursing care at home and in a facility to end with hospice, George had exhausted all of the family retirement savings...
Read MoreWeekly Market Insights: Stocks Rise, Jobs Cool
Stocks ripped higher last week on a dramatic retreat in bond yields triggered by easing inflation and a slowing labor market. The Dow Jones Industrial Average jumped 5.07%, while the Standard & Poor’s 500 surged 5.85%. The...
Read MoreWeekly Market Insights: Stocks Retreat on Cautious Earnings Reports
Amid a busy week of corporate earnings reports, stocks slumped on cautious earnings guidance, fears of higher interest rates, and growing anxiety over the increasing amount of Treasury bonds and notes coming to market. The Dow Jones...
Read MoreMarket Timing
Go into any corner of the globe these days and you’ll encounter some degree of chaos. Go into any corner of the financial world these days, and you’ll find chaos without even getting out of your chair.So, what are...
Read MoreWeekly Market Insights: Markets React to Turmoil in Middle East, Inflation Concerns.
Stocks ended mixed last week amid the outbreak of hostilities in the Middle East and higher-than-expected inflation data. The Dow Jones Industrial Average gained 0.20%, while the Standard & Poor’s 500 rose 0.45%. But the Nasdaq...
Read MoreWeekly Market Insights: Bond Yields Rise; Government Shutdown Looms
Rising bond yields and government shutdown fears left stocks in mostly negative territory for the week. The Dow Jones Industrial Average lost 1.34%, while the Standard & Poor’s 500 slipped 0.74%. The Nasdaq Composite index was...
Read MoreSo.. they say things will cost more?
When it comes to inflation, I can say that it affects everyone a little differently.
Read MoreTransition to Charles Schwab
Now, here we are, September 8th in the 2023rd year of our “LORD.” I will start with, and this is the only time you will see me say I in this message (no I in team), the transition from TD Ameritrade to Charles Schwab has...
Read MoreA Sincere Message to our TD Clients
As many of you have seen in the mail and in your emails, there is a lot going on with Charles Schwab for you and our office. Here are the details.
Read MoreWeekly Market Insights: Stocks Weather Summer Storm of News and Indicators
Stocks extended their August declines last week as higher yields and weak economic data out of China soured investor sentiment. The Dow Jones Industrial Average lost 2.21%, while the Standard & Poor’s 500 retreated 2.11%. The...
Read MoreBudgeting for Surprises: Summer Travel Tips
Now that summer is in full swing, it's the perfect time to take a trip. But sometimes, even your best-laid plans go a little off-kilter. Here are a few of the most common travel issues and how to make sure that no matter what happens,...
Read MoreWeekly Market Insights: Stocks Advance and Retreat on Mixed News
Stocks moved to the rhythm of earnings season last week, initially rising on positive earnings surprises and faltering later in the week on key earnings disappointments. The Dow Jones Industrial Average rose 2.08%, while the...
Read MoreShould I buy a CD?
As we stabilize from an inflationary market, is an investment locked in for 6 -12 months a wise choice? Rates over the last 16 years have been bouncing off of zero. As of late, interest rates have made CD accounts appealing
Read MoreWeekly Market Insights: Economy Continues Upward Trend
Stocks posted gains for the week to close out a stellar month, aided by positive economic data and reports that all major banks had passed the Federal Reserve’s annual stress test.The Dow Jones Industrial Average gained 2.02%,...
Read MoreMothers & May Flowers
As we depart from the “Season of Tax Planning,” we open the door to a new season of preparation. Estate Planning.
Read MoreWeekly Market Insights: Stocks Rally As Attention Shifts to Fed's May Meeting
Strong earnings from several mega-cap technology companies offset renewed regional banking jitters and weak economic data, leaving stocks higher for the week.The Dow Jones Industrial Average gained 0.86%, while the Standard &...
Read MoreP.S. About the Author
It is April. I often take these moments to write about a time in the past that used to be about something. The joy of having the choice and opportunity to unload my thoughts and feelings of financial advice and life in a website.
Read MoreDon't Watch The Markets Too Closely
One of my favorite Warren Buffett quotes is, “Remember that the stock market is a manic depressive.”What he’s suggesting is that stock prices can sometimes swing wildly from day to day in response to even minor news....
Read MoreLion or Lamb
The overloading world of information surrounding retirement is constantly changing. Maybe March should be the time to schedule a meeting with a financial advisor.
Read MoreWeekly Market Insights: FOMC Says Inflation is Still Too High
Concerns over a firmer monetary policy were heightened by fresh economic data, touching off a climb in bond yields and a slide in stock prices last week.The Dow Jones Industrial Average skidded 2.99%, while the Standard & Poor’s...
Read MoreWhat's Love Got to Do With It?
What's Love got to do with Life Insurance? Everything! Will your loved ones have the finances available to continue the natural trajectory of their lives that would have happened if you were there for all of it….or will your uncontrollable
Read MoreIs the Bear Market Over?
"Is the bear market over?"That's a question I've been asked a number of times in recent weeks. And my answer is the same, "Let's give it a little time."But people are quick to remind me that stocks are off to a good start in 2023,...
Read MoreWeekly Market Insights: New Year's Rally in Reply to Positive Economic News
A strong Friday rally triggered by fresh signs of moderating inflation pushed stocks into positive territory to begin the new year. The Dow Jones Industrial Average rose 1.46%, while the Standard & Poor’s 500 advanced 1.45%....
Read MoreWeekly Market Insights: Erratic Holiday Trading Leaves Stocks in Doldrums
In a holiday-shortened week, erratic trading left stocks marginally down for the week. The Dow Jones Industrial Average lost 0.17%, while the Standard & Poor’s 500 slipped 0.14%.
Read MoreHappy New Year - 2022 into 2023
A new year is on the horizon. Each day that comes presents something new and exciting both for you and the people in your life. Is this the year you open the door to something new and exciting?
Read MoreHappy Holidays
Once again, the year has flown by! In these final weeks of the year, our thoughts often turn to the comforts of home and family — of sharing good cheer with neighbors, friends, and loved ones.In that spirit, I would like to wish...
Read More2022 Contribution Limits
Preparing for retirement just got a little more financial wiggle room. Recently, the Internal Revenue Service (IRS) announced new contribution limits for 2022.Staying put for 2022 are traditional Individual Retirement Accounts (IRAs),...
Read MoreEnd of the Year Wrap Up
The end of the year always seems to sneak up on us, but I think it’s safe to say most of us are more than ready to be leaving 2022 behind. As we brace ourselves for the new year, it’s a good idea to check back in with your personal finances
Read MoreWeekly Market Insights: Easing on Rate Hikes and Job Numbers Cheer Markets
Stocks ended higher last week as investors navigated the crosscurrents of a potential easing in future rate hikes and continued strength in the labor market.The Dow Jones Industrial Average edged 0.24% higher, while the Standard &...
Read MoreWeekly Market Insights: Fed Talks Turkey on Lower Rates, Boosting Markets
Growing optimism that the Fed may be ready to ease future interest rate hikes sent stocks higher in a quiet trading week. The Dow Jones Industrial Average gained 1.78%, while the Standard & Poor’s 500 added 1.53%. The Nasdaq...
Read MoreWeekly Market Insights: Cooling Inflation Brings Market Gains
A cooling inflation number ignited a powerful rally on Thursday, sending stocks to strong gains for the week. The Dow Jones Industrial Average gained 4.15%, while the Standard & Poor’s 500 added 5.90%. The Nasdaq Composite index...
Read MoreA Time to be Thankful
Take stock in your personal thank list. In a season of Thanksgiving, we should take inventory of all of the gifts to be thankful for. This season of Thanksgiving belongs to giving more than you get back.
Read MoreMake It A Bill…Not An Expense
How do you define your savings strategy? I get answers of “when there is extra money,” or “when they clear up some other things.” Why is saving money any more complicated than the obligation of making our mortgage payment?
Read MoreWhich is worse: Inflation or Recession?
Welcome to August. Over the last few months, we have been reminded of a couple of economic terms….and generally, they have a big impact on our pocketbook. Inflation and Recession. Let’s break it down:
Read MoreTime to Take Stock
We are past the halfway point in the year. Now is a great time to evaluate and take stock on the first half and plan for the 2nd half.
Read MoreBirds and the Bees….and Estate Planning
Estate planning starts with “The Conversation”. Where do you start? Here are some steps to help you have that difficult conversation with your parents.
Read MoreMay Opportunities
A new and exciting chapter is about to begin for many 17- and 18-year-olds. College. A new chapter of understanding for empty nesters is about to begin. Planning for retirement. Here are a few tips:
Read MoreEggs and Baskets
If you have every heard yourself saying “Don’t pull all your eggs in 1 basket.”, I challenge you to ask what your objective is. At various times in life, we all need a partner. Let us know if a partnership with RFC is right for you!
Read MoreMarch Madness for more than 310,000
Every day over 10,000 seniors in America cross into the crazy world of Medicare qualification. That means that over 300,000 men and women will qualify for a version of health insurance that looks a little different.
Read MoreMerry Christmas
Merry Christmas and Blessings to all from the team at Rundahl Financial Consultants.
Read MoreBlessings to all during this Thanksgiving season
There is an old saying that “the grass is always greener on the other side.” However, is this true? During this time of year we are to take a moment to recognize the things that we are thankful for. Sometimes, I believe...
Read MoreHow much do we need….maybe a million dollars?
I have found that I base a lot of my blogs and articles on conversations that I have had with clients and prospects over the years. Quite honestly, this doesn’t surprise me. Grandparents revel over their grandchildren, mothers...
Read MoreConsiderations During Medicare’s Open Enrollment
How long has it been since you’ve reviewed your Medicare policy? With open enrollment fast approaching, there are a few questions you may want to ask yourself before you renew, add, drop, or switch coverage.Have you switched...
Read MoreGrandparents Day
With Grandparent’s Day approaching, we take this time to reflect on those that have come before us, those that have helped shape us, and those that been there for us when we needed them most. Grandparents. As with many holidays,...
Read MoreWill They Know What to Do When You Are Gone?
Will They Know What to do When You’re Gone? The last few years, and the reality of fatherhood, has brought me to give more thought to the legacy that I leave behind. Let us help with your plan.
Read MoreDiversification, Patience, and Consistency
INVESTMENTREAD TIME: 2 MIN Diversification, Patience, and Consistency Regardless of how the markets may perform, consider making the following part of your investment philosophy: Diversification. The saying “don’t put all...
Read MoreMixed Signals on Inflation
Are you having a tough time keeping track of inflation's mixed signals? You’re not alone.Consumer prices in July climbed at their fastest rate since August 2008. Worse, producer prices, which can be an indicator of future price...
Read MoreConsidering College?
Considering College? Recently, I had a meeting with a young couple in their 30s. The discussion started with a question, “Should they be saving money for college for their 2 children?” This is an incredibly good question. I...
Read MoreRecovering from COVID
With COVID, there were some who believed that progress on this health issue was a necessary precondition to economic recovery.In recent weeks, we have seen some promising trends emerge on the health front. The CDC is reporting the...
Read MoreSocial Security
Social Security…to file or not to file? That is the question. Recently, I met with clients that were nearing retirement to review their retirement income plan. We discussed their investments, their continued savings planning, and...
Read MoreAre Americans Saving Too Much?
Among the many changes arising from the pandemic, one of the most noticeable was a change in American spending habits.A survey released in March 2021 by Pew Research shows that Americans have increasingly chosen to put away what extra...
Read MoreIs Roth IRA for Me?
Is a ROTH IRA for me? As a financial advisor for over 16 years, there are many questions that I get from clients about retirement, about saving, and about insurance. One of the most common questions that I receive pertains to whether a...
Read More