Retirement Preparation Mistakes
Jan 31, 2022
Much is out there about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, some classic financial missteps during retirement preparation.
Calling them “mistakes” may be a bit harsh, as not all of them represent errors in judgment. Yet whether they result from ignorance or fate, we need to be aware of them as we prepare for and enter retirement. (more…)
Tags: Certified Financial Planner Charlotte NC, financial advisor, Financial Planner Charlotte NC, Financial Planning, Investment Portfolio, retirement, tax guide
Measuring the Value of a Financial Advisor
Jan 24, 2022
What is a relationship with a financial advisor worth to an investor? A study by Vanguard, one of the world’s largest money managers, attempts to answer that question.
Vanguard’s whitepaper concludes that when an investor works with an advisor and receives professional investment advice, they may see a net portfolio return about 3% higher over time. (more…)
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Market Update: New Beginnings
Jan 14, 2022
With the New Year comes new beginnings, new goals, new challenges, new friendships, and new opportunities. 2021 was an incredible year for the economy and investors, but to us the future remains bright for 2022 and beyond. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, financial advisor, financial advisor charlotte nc, Financial Help, Financial Planner Charlotte NC, Financial Planning, Investment Portfolio, Personal Finance
Step-Up CD
Jan 10, 2022
When interest rates start to climb, will these be the CD to own?
Step-up certificates of deposit (also called rising-rate CDs) are fixed-income investments with a bit of wiggle room. When you have CDs with a step-up provision, you have a chance to exchange the initial yield for a better one as interest rates rise. Given currently underwhelming long-term CD yields, what CD owner wouldn’t want that option in the future? (more…)
Tags: Financial Planning, Income Planning, Investment Planning, Personal Finance
2022 Annual Limits for Financial Planning
Jan 7, 2022
Tags: Certified Financial Planner Charlotte NC, Estate Planning, financial advisor charlotte nc, Financial Planner Charlotte NC, Financial Planning, Retirement Planning, Tax Planning, tax season guide
IRA Contributions are Approaching Deadlines
Jan 7, 2022
Financially, many of us associate the spring with taxes – but we should also associate December with important IRA deadlines. This year, like 2021, will see a few changes and distinctions especially with IRA contributions. (more…)
Tags: financial advisor, Financial Planning, retirement, Retirement Planning, tax guide, Tax Planning, tax season guide
Market Outlook 2022: Passing the Baton
Dec 24, 2021
Our resurgent economy grew at over a 6% pace in the first half of 2021 and is on track for over 5% growth for the year by the time 2021 draws to a close. During the early recovery, we had a hand up from stimulus and policy that saw us through a period of unique challenges. In 2022, the economy may be ready for a handoff, back to a greater emphasis on the individual choices of households and businesses. How smoothly that handoff is executed may determine the course of the recovery. This is our market outlook for what’s to come in the new year. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, financial advisor charlotte nc, Financial Planner Charlotte NC, Long-Term Care Planning, Personal Finance, Retirement Planning
Annual Financial To-Do List
Dec 22, 2021
What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to managing your taxes. You have plenty of choices. Here are a few ideas to consider: (more…)
Tags: Certified Financial Planner Charlotte NC, Financial Planning, Investing, Investment Portfolio, Investments, Personal Finance, Retirement Tax Savings, Tax Planning
A Decision Not Made is Still a Decision
Dec 20, 2021
Investment inaction is played out in many ways, often silently, invisibly, and with potential consequence to an individual’s future financial security, especially when it comes to retirement planning.
Let’s review some of the forms this takes.
Your workplace retirement plan.
The worst non-decision is the failure to enroll. Not only do non-participants sacrifice one of the best ways to save for their eventual retirement, but they also forfeit the money from any matching contributions their employer may offer. Not participating may be one of the most costly non-decisions one can make. (more…)
Tags: Financial Planner Charlotte NC, Investment Planning
Do Our Biases Affect Our Financial Choices?
Dec 17, 2021
Investors are routinely warned about allowing their emotions to influence their decisions. They are less routinely cautioned about letting their preconceptions and biases color their financial choices.
In a battle between the facts & our preconceptions, our preconceptions may win. If we acknowledge this tendency, we may be able to avoid some unexamined choices when it comes to personal finance; it may actually “pay” us to recognize our biases as we invest. Here are some common examples of bias creeping into our financial lives. (more…)
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More Insights
Jul 9, 2025
Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion.
Jul 7, 2025
As Americans get their grills and beach chairs ready for the July 4th holiday, the stock market and the weather across much of the country have both been on heaters. Stocks and bonds continue to effectively navigate a complex policy landscape shaped by evolving trade dynamics, geopolitical tensions, and fiscal stimulus. The market’s resilience in … Continue reading “Market Update – America Gets Record High Stock Prices for Its Birthday”
Jun 20, 2025
Birthdays may seem less important as you grow older. They may not offer the impact of watershed moments such as getting a driver’s license at 16 and voting at 18. But beginning at age 50, there are several key birthdays that can affect your tax situation, health-care eligibility, and retirement benefits.
Jun 18, 2025
During times like these when geopolitical headlines can be unsettling for investors, we at LPL Research like to remind ourselves of one of our key investing principles. Markets have always faced challenges —ranging from geopolitical conflicts and economic downturns to natural disasters, political upheaval and health crises. These events often trigger short-term volatility and shake … Continue reading “Why Long Term Investing Beats Selling in Volatile Times”
Jun 16, 2025
Are you concerned about the inheritance taxes your heirs may have to pay? Then you may want to consider creating charitable lead trusts.
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