Investment Management

What is an Asset Allocation?

Asset allocation is a common strategy that you can use to construct an investment portfolio. Asset allocation isn’t about picking individual securities. Instead, you focus on broad categories of investments, mixing them together in the right proportion to match your financial goals, the amount of time you have to invest, and your tolerance for risk.…

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What to do When You’re Suddenly Wealthy

What would you do with an extra $10,000? Maybe you’d pay off some debt, get rid of some college loans, or take a much-needed vacation. What if you suddenly had an extra million or 10 million or more? Now that you’ve come into a windfall, you have some issues to deal with. You’ll need to…

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2019 Q3 Market Commentary

During the quarter we saw two major market indicators, both with drastically different signals for market watchers.  The first and most publicized was the inversion of the yield curve.  There are many different measures for this; but in a nutshell, the yield on the 2-year Treasury note was higher than the yield on the 10-year…

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Buying a Home

There’s no doubt about it–owning a home is an exciting prospect. After all, you’ve always dreamed of having a place that you could truly call your own. But buying a home can be stressful, especially when you’re buying one for the first time. Fortunately, knowing what to expect can make it a lot easier. How…

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Getting Started: Establishing a Financial Safety Net

In times of crisis, you don’t want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you’re protected when a financial emergency arises. One way to accomplish this is by setting up a cash reserve, a pool of readily available funds that can help you…

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Estate Planning: An Introduction

By definition, estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death according to your goals and objectives. But what estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life…

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2019 Q1 Market Commentary

The S&P 500 rose by 13.1% while the Dow increased 11.2% and the NASDAQ climbed higher by 16.5%.  Now, raise your hand if you saw that coming.  Just ninety days ago we were discussing a government shutdown, rising interest rates, tariffs, an impending recession and more.  This news pressured the markets into one of the…

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U.S. Savings Bonds: An American Tradition

Many people had their first experience with saving for the future as children when they received a U.S. savings bond as a gift. Savings bonds are issued by the U.S. Treasury Department. However, unlike Treasury bills, notes, and bonds, they are not traded on the open market, and are sold almost exclusively to individuals. EE…

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Deciding When to Retire: When Timing Becomes Critical

Deciding when to retire may not be one decision but a series of decisions and calculations. For example, you’ll need to estimate not only your anticipated expenses, but also what sources of retirement income you’ll have and how long you’ll need your retirement savings to last. You’ll need to take into account your life expectancy…

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What Is a Traditional IRA?

Traditional individual retirement accounts (IRAs) can be a good way to save for retirement. If you do not participate in an employer-sponsored retirement plan or would like to supplement that plan, a traditional IRA could work for you. A traditional IRA is simply a tax-deferred savings account that has several investing options and is set…

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