Market Drama and The Road Ahead
Mar 9, 2020
On October 16, 2008 in an editorial for The New York Times, Warren Buffett, considered by many to be one of the greatest investors of his generation, repeated one of his favorite maxims: Be fearful when others are greedy and greedy when others are fearful. The market would subsequently see considerable losses before reaching their lows almost five months later on March 6, 2009. Buffett didn’t call the bottom, and there were still gains to be made for highly tactical investors who were betting against stocks. But looking back on Buffett’s remarks today, the advice was quite prescient. (more…)
Tags: Current Events, financial advisor charlotte nc, Investing
Business Valuation Approaches
Mar 4, 2020
In the third quarter of 2019, more than 2,400 small businesses were sold. The median sale price was roughly $278,000, up 3.3% from 2018.1 All Business Valuation models are different. How should you value yours? (more…)
Tags: financial advisor, Personal Finance, retirement, Tax Planning, Wealth Building
Coronavirus and More
Mar 2, 2020
In recent weeks, we’ve seen several major stories in the news. On the political front, in addition to the arrival of the presidential election through the 2020 caucuses and primaries, we have just experienced the third presidential impeachment in American history. In international news, the latest coronavirus outbreak has hit China, now referred to as COVID-19, leading to closed borders and heightened screening at hospitals worldwide.1 (more…)
Tags: Current Events, financial advisor charlotte nc, Financial Planner Charlotte NC, Investment Planning
Coronavirus Impact on Market Continues
Feb 28, 2020
“The stock market takes an escalator up, and an elevator down.”
Classic Wall Street saying. The last week has sure felt like taking an express elevator down, as the end of February brought a historic stock market sell-off, with the S&P 500 Index moving from an all-time high to a 10% correction in only six days—the quickest such move ever. Along the way, the Dow Jones Industrial Average (Dow) experienced multiple 1,000- point drops, including Thursday’s biggest one-day point drop ever, adding to fears. As the coronavirus spreads around the globe, what was once a promising start to 2020 now has the S&P 500, Dow, and Nasdaq Composite all negative year to date. (more…)
Tags: charlotte NC, Current Events, Financial Planning
SECURE ACT Lesser Known Provisions
Feb 20, 2020
The SECURE Act passed into law in late 2019 and changed several aspects of retirement investing. These modifications included modifying the ability to stretch an Individual Retirement Account (IRA) and changing the age when IRA holders must start taking requirement minimum distributions to 72-years-old.1,2 (more…)
Tags: Education Planning, Estate Planning, Investment Planning, Legacy, Personal Finance, Retirement Planning, Secure Act
Wine to Water – Amazonas Region Brazil/Columbia
Feb 12, 2020
Managing Director, Ed Doughty, just returned from a 10-day trip serving with Wine To Water, a North Carolina based non-profit that aims to eradicate the global water crisis. He and a handful other volunteers visited and worked in several remote communities along the Amazon River in Columbia and Brazil. The main project was the construction of a 3-story water tower that will support a 5000-liter water tank connected to a water-pump pulling from a deep underground well. This water system will enable the 40 homes in the riverside community of Santa Luzia to receive water directly to their homes and to the local community school. Wine to Water has also provided a Sawyer Point-One water filter to each family so that the water piped-in from the newly constructed water system will truly provide clean water, free from any bacteria and much safer for the 100+ men, women and children of the community to utilize and consume. If you would like to learn more about Wine to Water, or would like to support them in any way, please visit their website at https://winetowater.org or simply reach out to Ed Doughty who leads the Charlotte Chapter of Wine to Water. Ed has also volunteered with WTW in Uganda, Ethiopia and the Dominican Republic.
Where Will Your Money Come From After You Retire
Feb 10, 2020
For many people who retire, income may come from a variety of sources. Here’s a quick review of the six main sources: (more…)
Tags: Financial Planning, Income Planning, retirement, Retirement Planning, Retirement Tax Savings
ABLE Accounts for Loved Ones with Disabilities
Feb 5, 2020
Families with special needs children have a new tax-deferred savings option.
The ABLE account, also called a 529A savings account, is patterned after the popular 529 savings plan, created to help parents save for a child’s higher education. Like 529 plans, ABLE accounts are run by states rather than the federal government. These plans emerged after the passage of the Achieving a Better Life Experience (ABLE) Act in 2014.1 (more…)
Tags: Disability, Disability Insurance, Family Wealth, Health and Wellness, Health Care Needs, Health Care Savings, Long-Term Care Planning, Personal Finance, Tax Advantages, Wealth Building
Should You Choose a Fixed or Variable?
Feb 3, 2020
Buying a home is the single largest financial commitment most people ever make. And sorting through mortgages involves a lot of critical choices. One of these is choosing between a fixed- or variable-interest-rate mortgage. (more…)
Tags: Financial Planning, Home Mortgages, Interest Rates, Mortgage, Personal Finance
2020 Annual Limits for Financial Planning
Feb 2, 2020
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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