Introduction When it comes to planning for long-term care, there are a lot of things to consider: Long term care (LTC) insurance is designed to help pay for expenses associated with long-term care services, such as nursing home care, in-home support, assisted living, or adult daycare. The first step is figuring out the cost and […]
At a Glance Small Win #1: The Economy Bounced Back in Q3 U.S. economic growth made a comeback last quarter – the economy grew 2.6% after shrinking in the first half of 2022. That's good news because it means we're not in a recession (yet).1 But, there are a couple of caveats we should pay […]
If you're like most people, you dream of retiring as early as possible. But what if you need to access some of your retirement funds before age 59½? Is that even possible? The answer is yes, it is possible—but there are a few things you need to know in order to do so. In this […]
One of the most common questions taxpayers have is “when to use qualified charitable distributions (QCDs) instead of donations in kind”. While there are advantages and disadvantages to both methods, ultimately it comes down to reducing taxes. In this article, we will explain both and the best ways to maximize your tax savings. We will […]
Deciding when to start social security is one of the most important retirement planning decisions you'll make. There are a number of factors to consider, and the decision can have a significant impact on your financial security in retirement. This article outlines the key things to think about when making your decision. When should I […]
At a Glance Introduction The most recent inflation data shows that inflation continues to persist near recent highs.1 We are seeing cracks form particularly in the housing markets and goods markets. We expect to see prices flatten or fall in the next 12 months as the Fed continues on its crusade to slay the inflation dragon. […]
At a Glance Introduction With markets caught in a volatile pattern of selloffs and rallies, I thought I'd do a quick round-up of what we know (very little) and don't (a whole lot). Before I begin, I should say: if you're looking for perfect clarity, you won't find it here. From where I stand, the crystal […]
At a Glance: Introduction We knew that markets were going to continue their wild ride, and here we are. Stocks slid into bear market territory after a bad May inflation report showed that prices rose at the fastest pace since 1981.1 It's clear that the Federal Reserve's efforts to cool inflation haven't borne fruit yet, […]
At a Glance: Average housing prices slide, sells slow, and mortgages cool. Recessions are normal and needed Are things better or worse? Housing: New home sales collapsed 8.1% in June to a 590k annualized unit rate missing the expected 655k consensus number. In addition, cancelled sells in May came in at 54,000. Talk about cold […]
At a Glance Enjoy the 4th of July America has a history of resilience and rebuilding Consumer sentiment and balance sheets are down in the dumps Bear market rallies are to be rented not owned Freedom We want to wish you all a happy 4th of July weekend. We hope it is filled with fun and reflection. […]
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