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Tuesday, October 20, 2020

The world's events always affect the markets, and making smart investment choices requires you to look at what's happening around the world. But what about during an election year? How should you invest while the country is deciding...

 

Thursday, October 8, 2020

Nearly one in three U.S. adults serves as the primary caregiver to a relative or other close loved one.1 With respite facilities throughout the country closed or operating on restricted hours as a result of the COVID-19 pandemic, many...

 

Thursday, October 8, 2020

With COVID rocking the employment landscape for job-seekers, some women have taken this opportunity to reinvent themselves and take charge of their own financial futures by launching a business. Entrepreneurship is one of the most...

 

Thursday, October 8, 2020

As the saying goes, "50 is the new 40"—and with Americans living longer than ever before, it's not unusual for those in their 50s, 60s, or even 70s to be in their peak earning years.1 But for those who would prefer the option of...

 

Thursday, October 8, 2020

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are designed to help you save money on medical costs by giving you access to a special savings account with tax benefits. Although these plans are very similar, they...

 

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Thursday, October 8, 2020

By the last third of the calendar year, you're likely to have a pretty good idea of what your annual income will be and whether any major expenses or big life changes await you. This can allow you to engage in more robust tax planning,...

 

Tuesday, September 22, 2020

September 22, 2020 To our Clients, Partners, Family and Friends: It’s “Back To School” week here in Watertown. Same chill in the air. A familiar feeling of settling back into a routine. My son even has a 5pm soccer...

 

Monday, September 14, 2020

Whether your business has been temporarily closed by a state shelter-in-place order or is still operating as a provider of essential services, balancing your revenue needs with protecting the safety of your employees and customers can...

 

Monday, September 14, 2020

On the one hand, there is [fill in the blank]; but on the other hand, there is… Starting with the last week in July and for the first three weeks of August, investors celebrated that the S&P 500 had advanced for four consecutive...

 

Monday, September 14, 2020

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review. Do you have a will and powers of attorney for...

 

Wednesday, September 9, 2020

Economic Blog In the recent LPL Market Street View video, LPL Financial’s Chief Market Strategist Ryan Detrick discusses why the recession is likely over, making it one of the shortest recessions ever. Some reasons discussed...

 

Tuesday, August 18, 2020

As the COVID-related economic weakness that characterized the first half of the year subsides, growth has begun to return as trillions in fiscal stimulus have helped to stabilize consumer spending. Against a backdrop of improving labor...

 

Wednesday, August 12, 2020

As election season heats up, we are often presented with questions regarding market returns based on the political party composition of the White House and Congress. In our Election Preview Weekly Market Commentary, we took a closer...

 

Friday, August 7, 2020

Open enrollment season is one of the shortest—in most cases, employees have only a few weeks to research their options and make a decision on things like their 401(k) contributions, health and dental insurance, disability...

 

Friday, August 7, 2020

Open enrollment season is one of the shortest—in most cases, employees have only a few weeks to research their options and make a decision on things like their 401(k) contributions, health and dental insurance, disability...

 

Friday, August 7, 2020

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

 

Wednesday, August 5, 2020

Economic Blog The 10-year Treasury yield is historically low, so low that it could climb a full 1% before the end of the year and still be the lowest year-end yield on record, with room to spare. Historically low rates come with a...

 

Wednesday, July 29, 2020

Economic Blog After carving out the first part of a “V-shaped” recovery, the US economy has leveled off somewhat in response to the latest wave of COVID-19 infections. In this week’s Weekly Market Commentary: Stalling...

 

Tuesday, July 21, 2020

While the 10-year Treasury yield has traded in a narrow range since early April, the equivalent real yield, represented by the yield on 10-year Treasury inflation-protected securities (TIPS), has continued to fall and could go lower....

 

Tuesday, July 14, 2020

AT THE MIDPOINT of 2020, we’re mindful that it’s been an extremely challenging year so far in the United States and around the globe. We’re in the midst of a pandemic that continues to impact all of us, our...

 

Friday, July 10, 2020

FINANCIAL PLANNING UPDATE Subtract Inflation and It All Adds UpSome of us may remember the “good old days,” when gasoline prices were as low as 25¢ per gallon. Others may recall when a can of soda cost 15¢. But...

 

Tuesday, July 7, 2020

The Bloomberg Barclays US Aggregate Bond Index posted a solid total return of 2.9% in the second quarter of 2020, its eighth consecutive quarterly gain, and a relatively strong quarter for the broad investment-grade bond index...

 

Wednesday, July 1, 2020

Market Blog What a quarter the second quarter was, with the S&P 500 Index adding 20.0%, for the best quarter since 1998 and the best second quarter since 1938. Of course, stocks fell 20% in the first quarter, so what we really have is...

 

Wednesday, June 24, 2020

Thoughts for Small Businesses regarding SEP IRA’s A summer like no other. As if our plates aren’t full enough with the many adaptions to 2020 and the cancellation of vacations and Summer Camps – it is also finally...

 

Tuesday, June 23, 2020

Market Blog The US economy has made impressive progress in recent weeks. As the economy re-opens, the way we assess the recovery has changed. In March and April, we were looking for evidence that growth in COVID-19 cases was...

 

Tuesday, June 16, 2020

The yield on the 10-year Treasury yield has been broadly declining since the early 1980s, when it peaked over 15%, but even over that long decline there have been intermittent periods of rising rates. In fact, after periods of...

 

Tuesday, June 9, 2020

Hello Client, Partners, Friends and Family: As we look ahead to the summer months, we can’t help but think what a challenging year it’s been. At the same time, we’re encouraged by the resiliency of communities and...

 

Tuesday, June 9, 2020

A traditional IRA offers a great way to shield income from taxation while boosting your retirement accounts. Meanwhile, a Roth IRA can let you pay tomorrow's taxes today. But how can workers who are eligible to contribute to either...

 

Tuesday, June 9, 2020

Market Blog In probably one of the least surprising economic calls of all time, the Nation Bureau of Economic Research (NBER) officially declared an end to the longest expansion ever and the start of a new recession. As shown in the...

 

Tuesday, June 2, 2020

Market Blog 2020 is only five months old, but in many ways it is one of the most historic years we’ve ever seen. “2020 went from moving along nicely, to seeing the worst recession in a generation and the fastest bear market...

 

Tuesday, May 26, 2020

To Our Clients, Partners, Friends and Family: “Never confuse a single defeat with a final defeat.” — F. Scott Fitzgerald The economic struggles in our country are among the worst we’ve ever seen. In April, a...

 

Thursday, April 16, 2020

April is Financial Literacy Month. I think back to some of the things I learned in school and wonder how it's possible that most of us were never taught the basics about money and personal finance. We learned all about geometric proofs...

 

Monday, April 13, 2020

As the United States desperately tries to flatten the contagion curve for the coronavirus, many state governors have mandated the closure of an unprecedented number of businesses and issued stay-at-home orders to their citizens. The...

 

Monday, April 13, 2020

Heeding the words from a legend: “Buy when there is blood in the streets” How this late-winter, coronavirus-induced market turbulence affects you depends upon how old you are. For people in or near retirement, it is scary...

 

Monday, April 13, 2020

If you’re facing unemployment or concerned about the possibility of upcoming layoffs, there are some small, proactive steps you can take now to help make this difficult time more manageable. Build Your Network. It’s...

 

Monday, April 6, 2020

In late March 2020, as the number of novel coronavirus cases in the U.S. surged past 100,000, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed into law.1 The CARES Act provides around $2.2 trillion in aid to...

 

Friday, April 3, 2020

A word of awareness & patience on SBA Loans to our clients, partners, friends & family: Today (April 3rd) is the first day a business or non-profit can submit applications for the new federal $350 billion Paycheck Protection Program...

 

Monday, March 30, 2020

The United States has more cases of the coronavirus than any other country, and in an attempt to stop the spread of this disease, states have closed schools and businesses throughout the country. These unprecedented shutdowns have...

 

Monday, March 23, 2020

We continue to navigate one of the most uncertain chapters in our lives. The nature of our conversations with clients has also changed. People are understandably scared about their livelihoods and their families. In our dozens of...

 

Wednesday, March 18, 2020

Resources for the Business Community: COVID-19 1. MEMA’s Emergency Operations Center’s Private Sector Hotline • The hotline will be staffed Monday – Friday from 8am to 4pm. • The number for the hotline is...

 

Wednesday, March 18, 2020

March 18, 2020 To Clients, Friends and Partners of Arsenal: Hoping this communication reaches everyone safe and healthy. We will operate on the assumption that everyone is keeping up to date with COVID-19 related updates. Let’s...

 

Wednesday, March 4, 2020

PLAN. DESIGN. IMPLEMENT. REVIEW. REPEAT. As we all are aware, equity markets are experiencing a new cycle of volatility after the rocket ship returns of 2019. When there are the kind of market swings we have seen recently, even the...

 

Wednesday, March 4, 2020

Market Blog In a move in which the timing was more compelling than the decision itself, the Federal Reserve (Fed) announced this morning that it unanimously decided to cut its policy rate by 50 basis points (0.5%) from the 1.5-1.75%...

 

Monday, March 2, 2020

At times, managing people can feel more like an art than a science. Approaches that work well with certain employees and in certain types of workplaces may prove ineffective in other circumstances. A good manager should be prepared to...

 

Monday, March 2, 2020

After over a million employee interviews and testing hundreds of questions, Buckingham and Coffman found 12 questions that can be used in employee surveys to predict whether a department or an entire company is realizing its potential...

 

Monday, March 2, 2020

Many owners of family businesses are so busy running their companies that they never get around to making formal arrangements to pass on the business to the next generation or to other partners. But a failure to prepare for having to...

 

Monday, March 2, 2020

If you’re a small business owner, you’ve invested a great deal of time and effort into building your company. With day-to-day demands, it may be difficult to imagine your eventual transition into retirement. Yet, if you...

 

Monday, March 2, 2020

It’s easy to get caught up in the day-to-day tasks of running your business and to put off thinking about the future. But every business needs a plan. A buy-sell agreement is a great tool to help you and your fellow business...

 

Thursday, February 27, 2020

February 27, 2020 Hello Clients, Friends and Partners of Arsenal: This week has seen increased volatility in the stock market, as the number of coronavirus cases reported outside of China jumped. This weeks’ losses reversed all...

 

Wednesday, February 26, 2020

It’s no surprise that uncertainty around the impact of coronavirus (or Covid-19) has led to increased buying pressure in longer-maturity U.S. Treasuries, pushing yields lower, but the strength of the move has been unusual. While...

 

Wednesday, February 19, 2020

Stock markets modestly lower after renewed coronavirus concern. Apple’s announcement that the coronavirus would impact sales had international markets striking a cautious tone overnight, with the technology sector getting much...

 

Wednesday, February 12, 2020

The financial media returned to a favorite topic in the last week, yield curve inversion, but we caution against getting caught up in the building frenzy. The Treasury yield curve inverts when short-term interest rates move above...

 

Thursday, February 6, 2020

Dear Valued Investor: The start of 2020 has brought increased stock market volatility. The uncharacteristically calm market environment we experienced for much of the past four months was bound to end, but identifying the catalyst for...

 

Wednesday, February 5, 2020

Economic Blog The 10-year U.S. Treasury yield moved to within .05% of its recent low on Friday, January 31, approaching the 1.47% mark set back in August 2019. Prospects of stabilizing global growth and progress on trade encouraged...

 

Monday, February 3, 2020

Suppose you arrive at your company one morning and discover that a key employee died unexpectedly the night before. Have you ever considered how such a turn of events may affect your company? Along with losing a valued member of your...

 

Monday, February 3, 2020

Is your growing business still a one-person operation? As your company continues to grow and the workload increases, it is easy to find yourself wearing too many hats and not having enough hours in the day to accomplish everything that...

 

Monday, February 3, 2020

Small businesses owners should conduct an annual assessment of their personal finances. Owners of small businesses have much the same concerns as everyone else, except they are personally responsible for the fortunes of their...

 

Wednesday, January 29, 2020

Market Blog Fears that the deadly coronavirus would spread further around the globe intensified Monday and led to the biggest one-day drop in the S&P 500 Index since October 8, 2019. In fact, it was the first time the index moved 1%...

 

Wednesday, January 22, 2020

ECONOMIC BLOG As the economic expansion caps its first decade, we thought it’d be a good time to check on LPL Research’s leading indicators in our Recession Watch Dashboard. As you can see in our latest update and in the...

 

Wednesday, January 15, 2020

Consumer inflationary pressures grew at a healthy, but manageable rate in December 2019. The core Consumer Price Index (CPI), which excludes food and energy, rose 2.3% year over year last month, around the fastest pace of the economic...

 

Friday, January 10, 2020

There are many prescriptions to get to financial health. Here are four proven strategies to help you get there. Setting and sticking to a budget In 2017, 78% of Americans said they were living paycheck to paycheck, up from 75% three...

 

Friday, January 10, 2020

The largest overhaul to retirement plans since 2006 is complicated The Setting Every Community Up for Retirement Enhancement Act of 2019 – the SECURE Act – passed the House of Representatives earlier this year and was...

 

Friday, January 10, 2020

Insurance is an important element of any sound financial plan. Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death. What Are Your Insurance Needs?...

 

Friday, January 10, 2020

Retirement is inevitable, but knowing exactly when to do so is often unclear. No matter when you actually begin your retirement, you’ll benefit from planning your post-work life as early as possible. According to Gallup, the...

 

Friday, January 10, 2020

Americans, it seems, are spenders. Personal savings rates are low and many people spend beyond their means. If you're among those Americans who can't seem to save, it might be time to create a budget. A budget allows you to understand...

 

Wednesday, January 8, 2020

Dear Client, Partners and Friends of Arsenal: Happy New Year! What a difference a year makes. In December 2018, dropping stocks were suggesting an increased risk that a recession, or market crisis, might be on the horizon. Confidence...

 

Tuesday, January 7, 2020

The U.S. airstrike that killed the top Iranian military commander last week was a major escalation in Mideast tensions. In fact, it would be difficult to overstate the geopolitical significance of this action. Iran likely will...

 

Monday, January 6, 2020

Dear Valued Investor: Happy New Year! What a difference a year makes. One year ago the stock market was plunging and came perilously close to ending what has become the longest bull market ever recorded. In December 2018, dropping...

 

Tuesday, December 17, 2019

Economic Blog December 17, 2019 December has been widely viewed as a strong month for stocks, with this year following suit so far. What many probably don’t realize, however, is the majority of the gains have taken place late in...

 

Wednesday, December 11, 2019

Socially responsible investing (SRI) is a strategy to make your investments more impactful by supporting ecological and social causes. SRI investors invest their money to support companies that value transparency in their business...

 

Wednesday, December 11, 2019

The Federal Reserve’s (Fed) final policy meeting of 2019 starts today and will conclude tomorrow with the release of the Fed’s policy statement, updated economic projections, and a press conference by Fed Chair Jerome...

 

Tuesday, December 3, 2019

Hindsight is 20/20, but finding clarity in future uncertainty can be fuzzy. AT LPL RESEARCH, as we look forward to the year 2020 and a new decade, some key trends and market signals will be important to watch, including progress on U.S...

 

Wednesday, November 27, 2019

It took nearly 15 months, but the Russell 2000 Index finally broke out to a new 52-week high. On November 25, the Russell 2000 gained an impressive 2.1% to close at its highest level since October 2018. Small caps have lagged their...

 

Tuesday, November 26, 2019

Since it first became available in 2006, many employers have added the Roth 401(k) to their benefit packages as a retirement savings option. A Roth option is available for Individual Retirement Accounts (IRAs) and 401(k) and 403(b)...

 

Friday, November 15, 2019

Kelly and Bob regularly set aside a small portion of their budget for charitable donations. In addition to feeling good about supporting a number of worthy causes, they’ve been able to deduct the value of their charitable gifts...

 

Wednesday, November 13, 2019

The S&P 500 Index has closed higher five consecutive weeks, making six new all-time highs along the way. There now have been 19 new highs in 2019, tying the number we saw last year. There’s no doubt that this bull market has been...

 

Wednesday, November 6, 2019

“An object in motion tends to remain in motion along a straight line unless acted upon by an outside force.” Sir Isaac Newton What a year it has been for the bulls. The S&P 500 Index recently made four more new highs, and...

 

Wednesday, October 30, 2019

The Federal Reserve Bank (Fed) is widely expected to cut interest rates on Wednesday, October 30, which would be the third cut this year after nine consecutive hikes. The current fed funds rate target is 1.75–2%, with a 25 basis...

 

Wednesday, October 16, 2019

The debate over the United Kingdom’s (U.K.) withdrawal from the European Union (EU), or Brexit, is reaching another milepost in what could be an action-packed week. Talks between the U.K. government and the EU have entered...

 

Wednesday, October 9, 2019

“The economy, stupid” — Phrase campaign strategist James Carville used to help Bill Clinton get elected in 1992. As Carville noted ahead of the 1992 election, the recession in 1990 and 1991 was top of mind for many...

 

Monday, October 7, 2019

As we get into Fall some ups and down here with our local sports teams. A disappointing Red Sox season is now behind us and we are well into a promising football season with that New England chill creeping into in the air. With...

 

Wednesday, October 2, 2019

U.S. manufacturing activity fell to a 10-year low, dragged down by a weakening global economy. The Institute for Supply Management’s (ISM) Purchasing Managers’ Index (PMI) fell to 47.6 in September, the lowest level since...

 

Wednesday, September 25, 2019

As shown in the LPL Chart of the Day, the 10-year Treasury yield jumped 34 basis points (0.34%) in the week ending September 13, then gave back half that gain in a 17 basis point (0.17%) slide last week. The benchmark yield...

 

Wednesday, September 18, 2019

The Federal Reserve’s (Fed) policy committee starts its sixth two-day policy meeting of the year today. At 2:00 p.m. ET Wednesday, following the meeting’s conclusion, the Fed will announce its rate decision and release a...

 

Wednesday, September 18, 2019

Consumer inflation has accelerated recently, bucking disinflation and deflation concerns that had permeated financial markets earlier this year. In August, the core Consumer Price Index (CPI) increased at least 0.3% for a third...

 

Tuesday, September 17, 2019

By investing for retirement through your employer-sponsored plan, you are helping to manage a critically important financial risk: the chance that you will outlive your money. But choosing to participate is just one step in your...

 

Wednesday, September 11, 2019

In 2014, almost one-third of baby boomers had nothing saved for retirement. For those who did save, the median was around $200,000. This is a far cry less than the $1 million experts recommend for a 30-year retirement plan. Luckily,...

 

Wednesday, September 4, 2019

First and foremost, our thoughts are with all of those that were impacted by Hurricane Dorian over the Labor Day holiday and all those that are still in its path. Many have asked us what stocks tend to do after a major hurricane hits...

 

Friday, August 30, 2019

At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses while at the same time looking after the needs...

 

Wednesday, August 28, 2019

Business investment remains a critical component for this economic expansion. Capital expenditures (capex) drive productivity gains (more output per hour worked), which enables economic growth while keeping inflation contained. That...

 

Thursday, August 15, 2019

Linda and Peter are worried about their financial future. "We want our one-year-old son, Raymond, to go to college, but we're concerned that in 17 years, the cost might be more than we can afford," says Peter. "We also need to save for...

 

Thursday, August 15, 2019

A bull market can promote overconfidence. You may be lulled into thinking that the major indices will rise for years to come. That is not a given. The danger arrives if the market slumps and your income is too heavily tied to equity...

 

Thursday, August 15, 2019

As more Americans shoulder the responsibility of funding their own retirement, many rely increasingly on their 401(k) retirement plans to provide the means to pursue their investment goals. That's because 401(k) plans offer a variety...

 

Thursday, August 15, 2019

The old saying "knowledge is power" applies to many situations in life, including retirement planning. The more you know about the benefits your plan offers, the more likely you'll be to make the most of them and come out ahead...

 

Thursday, August 15, 2019

Growth and value are two fundamental approaches in stock and stock mutual fund investing. Growth stock mutual fund managers look for companies that they believe offer strong earnings growth potential. Value fund managers look for...

 

Wednesday, August 14, 2019

Consumer inflation has surged back after a strong quarter of U.S. consumer demand. As shown in the LPL Chart of the Day, Consumer Inflation Picks Up in July, the core Consumer Price Index (CPI), which excludes food and energy prices,...

 

Tuesday, August 13, 2019

When you refinance your mortgage, you take out a new home loan and use some or all of the proceeds to pay off the existing one. Why refinance your mortgage? There are a variety of reasons why you may want to consider refinancing your...

 

Tuesday, August 6, 2019

As we discussed here last week, August has been one of the worst months for stocks in recent decades. After last week’s more than 3% drop in the S&P 500 Index, seasonality could be taking hold once again in U.S. equities. Outside...

 

Tuesday, August 6, 2019

So, interest rates are crashing around the world, the 10-Year U.S. Treasury is around 1.75% and stock markets are stuck in trading range…bookended by a good bit of volatility. If I didn’t know better – I might be...

 

Friday, August 2, 2019

Everyone needs to determine their financial staying power Some life transitions, such as a career change or marriage, are planned, but a job loss or divorce can be sudden and unexpected. One common thread that accompanies all...

 

Wednesday, July 31, 2019

It could be a momentous week for U.S. monetary policy and the Treasury yield curve. The Federal Reserve (Fed) is expected to cut its policy interest rate for the first time in 10 years July 31. As shown in the LPL Chart of the Day,...

 

Monday, July 22, 2019

Breath is life. Life is breath. The yoga sages of India have embraced this link for centuries, where conscious breathing has long been an integral part of daily life. More recently, Western researchers have also begun to acknowledge...

 

Monday, July 22, 2019

The S&P 500 Index is within 1% of our year-end fair value S&P 500 target of 3,000 after rallying 20% this year and broaching that target several times in July. We set that target in November 2018 and have maintained it since then. Now...

 

Thursday, July 18, 2019

In America today, carrying some debt is unavoidable, and even desirable, for most households. But between mortgages, car payments, and credit cards, many Americans find themselves over their heads -- unable to dig out from under a...

 

Wednesday, July 17, 2019

Central banks are back in easing mode, to the dismay of coupon-clipping fixed income investors. As shown in the LPL Chart of the Day, Global Central Banks Back in Easing Mode, central banks around the world are embarking on a marked...

 

Monday, July 15, 2019

Many adults are finding that their aging parents are in need of health care assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several...

 

Monday, July 15, 2019

A business will is far more than a legal document designed to transfer assets upon the death of an owner or partner. It is a comprehensive estate planning tool that can include everything from management plans, and other documents...

 

Monday, July 15, 2019

You may have a very idealistic vision of retirement — doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you...

 

Wednesday, July 10, 2019

The June jobs report was solid. Nonfarm payrolls rose 224,000, according to data released July 5. As shown in the LPL Chart of the Day, Strong June Payrolls Gain Surprises Investors, the rise in jobs last month handily beat estimates...

 

Wednesday, July 3, 2019

The 10-year Treasury yield has been flirting with dipping below 2% throughout the later half of June and into the start of July. As our LPL Chart of the Day, Will Trade Truce Help 2% 10-Year Treasury Yield Hold?, shows, the yield has...

 

Wednesday, June 26, 2019

The Federal Reserve (Fed) will likely cut rates at its next meeting in late July. This begs the question: Will the Fed really cut rates with stocks up so much year to date and near all-time highs? “It might sound strange for the...

 

Tuesday, June 25, 2019

We are pleased to announce the release of the LPL Research Midyear Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets, with investment insights and market guidance through the end of 2019. LPL Research...

 

Wednesday, June 19, 2019

U.S. stocks could have a big year if LPL Research’s forecasts prove correct. All year, we’ve maintain our fair value target on the S&P 500 Index of 3,000, implying that we expect this bull market and economic expansion to...

 

Thursday, June 13, 2019

The backyard pool can be great summer fun, but it can also be a source of danger for children. Every year hundreds of children fatally drown. In fact, drowning is the leading cause of preventable death among children ages 1-4.¹,...

 

Thursday, June 13, 2019

It's generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven't given your plan a thorough review within the last 12 months, now may be a...

 

Thursday, June 13, 2019

Knowledgeable investors are aware that investing in the capital markets presents any number of risks—interest-rate risk, company risk, and market risk. Risk is an inseparable companion to the potential for long-term growth. Some...

 

Thursday, June 13, 2019

Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you...

 

Thursday, June 13, 2019

Young adults born between 1960 and 1980, so-called “post boomers” or “Generation Xers,” face a variety of challenges in their quest for financial security—especially those preparing to get married. Some of...

 

Wednesday, June 12, 2019

New findings from the New York Federal Reserve reveal that millennials have now racked up over US$1 trillion of debt. This troubling amount of debt, an increase of over 22 percent in just five years, is more than any other generation...

 

Wednesday, June 12, 2019

Bonds have increasingly signaled that Federal Reserve (Fed) policy may be too tight for an economy tied up in a drawn-out trade dispute. As shown in the LPL Chart of the Day, “Bond Market Increasingly Pricing in Rate Cuts...

 

Thursday, June 6, 2019

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and...

 

Wednesday, June 5, 2019

Long-term Treasury yields’ rapid decline has been one of the most baffling market developments of 2019. As shown in the LPL Chart of the Day, the 10-year Treasury yield fell 38 basis points (0.38%) in May, its biggest monthly...

 

Wednesday, May 29, 2019

Young adults in their twenties and early thirties—so-called “post boomers” or “Generation Xers”—face a variety of challenges in their quest for financial security. Some of these challenges are...

 

Wednesday, May 29, 2019

With the bull market 10 years old and the economic cycle about to reach 10 years, the big question is how much longer can it go? To answer this question we will take a closer look at our Five Forecasters for late-cycle warnings....

 

Friday, May 24, 2019

These crucial years call for action. Today, retirement may seem nearer to you than it once did. The following moves might be worth making—and soon. Catch-up contributions to your retirement accounts. Starting in the year you turn...

 

Wednesday, May 22, 2019

The S&P 500 Index has officially gained each of the first four months of the year for the first time since 2013. This comes on the heels of the best first quarter since 1998. Six straight months in green has been the best monthly win...

 

Tuesday, May 21, 2019

At some point in your life, you probably have heard about the importance of developing a budget. But, why is a budget so important? Perhaps you simply spend what you must and save whatever’s left over. Or, perhaps you spend all...

 

Tuesday, May 21, 2019

Why do most avoid this important investment? Why do so many of us not use our vacation days? Salespeople talk about “leaving money on the table.” Well, employees leave vacation on the table. And the cost to us is...

 

Friday, May 17, 2019

If you are preparing to change jobs, do you know what your choices are for managing the money in your current employer's retirement plan? Although many people choose to take a cash distribution, there are other options that may benefit...

 

Wednesday, May 15, 2019

As we noted yesterday, the recent bout of volatility has caught many investors off guard. However, we’ve been saying since late March that some type of normal correction could happen, and we’ve taken a more cautious stance....

 

Monday, May 13, 2019

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what...

 

Monday, May 13, 2019

few matters. Decisions made now could make the difference between your money outlasting you or vice versa. Calculating Your Retirement Needs First, figure out how much income you may need. When retirement was years away, this exercise...

 

Monday, May 13, 2019

What recent graduates (and their parents) need to think about Spring is here, summer weather has begun (in many places), and graduation time has arrived. Across the country, students are finishing their high school, college, and even...

 

Monday, May 13, 2019

One extracurricular activity that every student can master while in college is personal money management. Typically, a student’s daily spending is done on an improvised basis, meaning that overspending is often the norm rather...

 

Friday, May 10, 2019

One extracurricular activity that every student can master while in college is personal money management. Typically, a student’s daily spending is done on an improvised basis, meaning that overspending is often the norm rather...

 

Friday, May 10, 2019

How long might you live in retirement? Think carefully. Your answer could influence whether you have enough money for a comfortable retirement or just scrape by. According to pension mortality tables, at least one member of a...

 

Wednesday, May 8, 2019

Dear Valued Investor: If it seems like the financial markets have been off to an unusually strong start to the year—you are correct. The S&P 500 Index has risen for four consecutive months, resulting in the strongest start to a...

 

Wednesday, May 8, 2019

Diversified investors were the big winners in the first four months of this year. As shown in the LPL Chart of the Day, both stocks and bonds have posted strong rallies through the first four months of this year, thanks to increased...

 

Wednesday, May 1, 2019

As we noted earlier this week, these next six months historically have been the worst for stocks. That is why there’s a well-known investment axiom to “Sell in May and Go Away.” However, that popular principle...

 

Monday, April 29, 2019

One of the most popular investment axioms is about to take over the airwaves: “Sell in May and Go Away.” That’s because the upcoming six months(from May until the end of October) have historically been the weakest...

 

Friday, April 26, 2019

A flurry of new investment products, the emergence of global investing, the shift from company-funded pension plans to employee-driven retirement plans (like 401(k) plans), and uncertainty about Social Security have all contributed to...

 

Wednesday, April 24, 2019

After more than seven months, the S&P 500 Index notched a fresh all-time closing high of 2,933.68 on April 23. To get here, investors have weathered back-and-forth in trade negotiations, a historic government shutdown, unrelenting...

 

Tuesday, April 23, 2019

It seems, sometimes, as though financial professionals come in only two flavors. There are those who promise everything is going to be fine; you don't have to fret about retirement, they say, because they'll help you make more than...

 

Tuesday, April 23, 2019

Both House and Senate leaders have signaled their commitment and willingness to work toward prompt passage of retirement legislation that incorporates many retirement provisions that failed to pass in prior sessions of Congress. On...

 

Monday, April 22, 2019

Investing with an eye toward promoting social, political, or environmental concerns (or at least not supporting activities you feel are harmful) doesn't mean you have to forgo pursuing a return on your money. Socially responsible...

 

Wednesday, April 17, 2019

After such a strong rally this year, you may be wondering what could drive stocks higher from here. With the S&P 500 Index near its all-time high, a lot of good news could be priced in to stocks. At the same time, disappointments could...

 

Monday, April 15, 2019

You can buy insurance for practically anything these days. Planning a vacation to France? Your airline, travel agent or even hotel will likely offer trip insurance in case you need to change your dates or cancel. Going to the casino?...

 

Wednesday, April 10, 2019

After the best first quarter for the S&P 500 Index since 1998, the big question is: What happens next? We’ve already discussed why a good start to a year could lead to more gains (here and here), but today we will take a look at...

 

Thursday, April 4, 2019

But it’s also a time to do some life-planning The spring ritual of high school graduations is here. But graduates and their parents often are poorly prepared to meet the practicalities of the youngsters’ sudden entry into...

 

Wednesday, April 3, 2019

What a start to 2019! The S&P 500 Index had its best first quarter since 1998—gaining 13.1%. Taking a deeper look at the data reveals another rare occurrence: The S&P 500 was higher each of the first three months of the year for...

 

Wednesday, March 27, 2019

The Conference Board’s Leading Economic Index (LEI) is one of our favorite economic indicators. It is designed to predict future movements in the economy based on a composite of 10 economic indicators (like manufacturers’...

 

Wednesday, March 20, 2019

After dropping nearly 20% late last year, the S&P 500 Index has officially bounced up more than 20% from the December 24 lows. As we noted at the time, most bear markets that take place in a non-recessionary environment tend to bottom...

 

Wednesday, March 13, 2019

The S&P 500 Index corrected nearly 20% from the September peak until December 24 before staging a furious rally of 19%. What could happen next? A well-deserved pullback would be perfectly normal, and in fact, is probably needed before...

 

Thursday, March 7, 2019

This Saturday, March 9, 2019, marks the 10-year anniversary of the end to the worst bear market for U.S. stocks since the Great Depression. Although at that time no one could have imagined we’d be looking at the longest bull...

 

Wednesday, February 27, 2019

After gaining 7.8% in January, the S&P 500 Index has added another 3.3% so far in February for a grand total year-to-date return of 11.4%. With two days to go, currently this is the best first two months of the year since 1987. As we...

 

Wednesday, February 20, 2019

Economic data have consistently missed expectations recently as investors and Wall Street have struggled to quantify the impact of global trade and political risks. As shown in the LPL Chart of the Day, the Bloomberg U.S. Economic...

 

Wednesday, February 13, 2019

“Bulls make money, bears make money, and pigs get slaughtered.” Old Wall Street saying. The Chinese New Year (often called the Lunar New Year) kicked off Tuesday, February 5, and with it came the Year of the Pig. Although...

 

Wednesday, February 6, 2019

Diversified investors just capped one of their best months of the current economic cycle. In January, the S&P 500 Index posted its biggest monthly gain since October 2015. At the same time, the Bloomberg Barclays Aggregate Bond Index...

 

Tuesday, January 29, 2019

The Super Bowl indicator suggests that stocks rise for the full year when the Super Bowl winner comes from the original National Football League (now the NFC), but when an original American Football League (now the AFC) team wins,...

 

Wednesday, January 23, 2019

Recent U.S. economic data have been sending a lot of conflicting signals, and Wall Street’s economic outlook is more clouded than at any point of the cycle. Because of this, we thought we’d provide some direction from Main...

 

Wednesday, January 16, 2019

Yesterday’s U.K. Parliament vote was another bump in the road for Brexit. As shown in the LPL Chart of the Day, the British pound and the euro have steadily declined over the past few months, weighed down in large part by...

 

Wednesday, January 9, 2019

Stocks have rebounded strongly off the December lows, with the S&P 500 Index adding 2% in January to its 7% gain over the last week of 2018. We see potential for further gains ahead given the fundamentals supporting economic growth and...

 

Wednesday, January 2, 2019

Recent Federal Reserve (Fed) rhetoric has spooked financial markets, especially as uncertainty has clouded investors’ horizons. But we still believe the fundamental U.S. economic landscape is compelling, and despite market...

 

Wednesday, December 26, 2018

S&P 500 Index Reaches Bear Market on an Intra-Day Basis. While the S&P 500 Index is technically not in a bear market by the most widely used definition (20% or more decline based on closing prices), it is important to recognize that...

 

Wednesday, December 19, 2018

So far it’s been rough for stocks in December, a month that has historically been bullish. How bad has it been? After 10 trading days, we’re off to the worst start to December since 1980! In fact, the S&P 500 Index is...

 

Monday, December 17, 2018

We are pleased to announce the release of the LPL Research Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets, filled with investment insights and market guidance for the year ahead. After nearly 10 years of...

 

Wednesday, December 12, 2018

Last week was a tough week for stocks, with the S&P 500 Index down 4.5%, the worst performance since March. So what are some things investors should consider? To help answer that question, here are five takeaways on the near-term...

 

Thursday, December 6, 2018

As of this writing, the S&P 500 Index is down another 2% on top of the over 3% drop on Tuesday (markets were closed Wednesday to celebrate the life of former President George H. W. Bush 41). Here are our thoughts on the latest...

 

Wednesday, December 5, 2018

2018 has been a rocky year with a big dose of volatility, but could a late-year rally be in store for investors? History says it is quite possible. “Although the well-known Santa Claus rally is technically the last five days of...

 

Thursday, November 29, 2018

We expected another strong earnings season, and corporate America delivered with S&P 500 Index year-over-year earnings increasing 28% in the third quarter. A pickup in economic growth, strong manufacturing activity, and tax cuts were...

 

Wednesday, November 14, 2018

This question is being asked a lot following last week’s midterm election results, in which the Republicans held onto the Senate and the Democrats claimed control of the House. In one sense, these results may not matter for U.S....

 

Wednesday, November 7, 2018

The consensus was right. Although some votes are still rolling in, the Republicans have held onto their Senate majority (and they are tracking to add at least a couple seats to their majority), while the Democrats are poised to retake...

 

Wednesday, November 7, 2018

The potential outcomes of the midterm elections have been dominating the news cycle lately, and we know from history that the markets typically do not like uncertainty. With the Democrats taking control of the House of Representatives,...

 

Friday, October 26, 2018

After the S&P 500 Index’s least volatile third quarter since 1963, October has ushered in a wave of volatility: Daily moves in excess of 1% now feel like the norm. Here’s what you need to know about volatility: It tends to...

 

Wednesday, October 24, 2018

Investors’ first look at third-quarter gross domestic product (GDP) will be released on Friday, and the consensus points to another quarter of solid gains in output. The U.S economy has been on solid footing for a while, but the...

 

Wednesday, October 17, 2018

After more than three months without a single 1% change (up or down) for the S&P 500 Index, volatility came back—and in a big way—this past week. This brings up an interesting question: What would happen if you could avoid...

 

Thursday, October 11, 2018

Stocks just had their worst one-day drop since February, as a combination of higher bond yields, U.S./China tensions, nervousness over the upcoming midterm elections, six straight months of gains, and worries about peak margins this...

 

Wednesday, October 10, 2018

These crucial years call for action. Today, retirement may seem nearer to you than it once did. The following moves might be worth making—and soon. Catch-up contributions to your retirement accounts. Starting in the year you turn...

 

Monday, October 8, 2018

The scary month of October is here. Many investors have bad memories of this month, mainly because it has had some spectacular crashes. In particular, 1929, 1987, and 2008 are a few of the years that saw October scar investors for a...

 

Wednesday, July 11, 2018

The recently released LPL Research Midyear Outlook 2018: The Plot Thickens is filled with investment insights and market guidance to take us through the rest of the year. So far this year, the return of the business cycle has brought...

 

Monday, June 18, 2018

The summer months are almost underway, which means that both vacations and midyear check-ins are ahead. As we approach the midpoint of 2018, many of us will take this opportunity to reflect on what we’ve seen so far and what may...

 

Tuesday, June 5, 2018

Tips for making a memorable family vacation.

 

Tuesday, May 22, 2018

Learn how you may begin working toward a healthy financial future by focusing on your priorities and implementing a plan tailored to suit your needs.

 

Tuesday, May 22, 2018

When retirement’s on the horizon, there are many financial issues covered here that you'll want to consider.

 

Monday, May 21, 2018

It's not just the amount of money you've saved that determines whether you'll have a comfortable retirement; it's also a matter of how quickly you spend it after you retire.

 

Thursday, May 3, 2018

Time may be the greatest asset for the young investor. While some people may frantically try to catch up on retirement saving after age 50, you have the chance to harness the power of compounding by starting decades earlier...

 

Wednesday, May 2, 2018

How long might you live in retirement? Think carefully. Your answer could influence whether you have enough money for a comfortable retirement or just scrape by. According to pension mortality tables, at least one member of a...

 

Monday, April 30, 2018

Will Social Security be different when you retire? Its reserves are projected to be depleted by 2034, and if that happens, the program could pay retirees only about 80% of projected retirement benefits.

 

Friday, November 10, 2017

Many of us grew up with the concept that making regular, periodic contributions to our retirement account was a sound investment strategy. The idea was that, in a fluctuating market, regularly investing a set amount would enable an...