Tag: charlotte NC

Protecting Yourself While Shopping Online

Apr 15, 2022

Shopping Online Computers Credit Card
What steps should you take?

We’re all at home now and shopping online has become commonplace. Whether you shop online routinely or infrequently, the risk of identity theft rises as you offer more and more information about yourself online. (more…)

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Do Your Investments Match Your Risk Tolerance?

Mar 21, 2022

dice risk risky staircase
When was the last time you checked the contents of your portfolio?

From time to time, it is a good idea to review how your portfolio assets are allocated – how they are divided among asset classes – and make sure they still match with your risk tolerance.

At the inception of your investment strategy, your target asset allocations reflect your tolerance for risk. Over time, though, your portfolio may need adjustments to maintain those target allocations. (more…)

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States Are Requiring Retirement Plans

Feb 16, 2022

Retirement Plan
Will new mandates solve an old financial problem?

Too many Americans save too little for retirement. This problem has been discussed for decades in all kinds of media, and there seems to be no easy way to solve it. (more…)

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Market Update: Stocks Road Ahead

Feb 11, 2022

Market Update
Market Update

The calendar had barely flipped to 2022 and investors were reminded that even attractive long-term stock returns come with a cost: volatility. The S&P 500 Index fell nearly 10% from January 3 through January 27 amid fears that the Federal Reserve (Fed) will have to get a lot more aggressive to fight inflation, before staging a 4% rally over the last two days of the month to end January down 5%. After such a steady march higher in 2021, the dip may have caught some investors off guard. (more…)

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Measuring the Value of a Financial Advisor

Jan 24, 2022

Tape Measures
One study asserts that these relationships can make a difference for investors.

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

Market Update
Market Update

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…)

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Market Outlook 2022: Passing the Baton

Dec 24, 2021

holiday stock market outlook
Here is what to expect in the new year.

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…)

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When a Windfall Comes Your Way

Dec 1, 2021

Bingo sweepstakes windfall ball lottery
What do you do with big money

Getting rich quick can be liberating, but it can also be frustrating. A sudden wealth windfall can help you address retirement saving or college funding anxieties, and it may also allow you to live and work on your terms. On the other hand, you’ll pay more taxes, attract more attention, and maybe even contend with jealousy or envy. You may also deal with grief or stress, as a lump sum may be linked to a death, a divorce, or a pension payout decision. (more…)

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Systematic Withdrawal Strategies

Nov 5, 2021

Doors
Should you arrange automatic distributions from your retirement or investment accounts?

Some retirees wish they could simplify money management.Estimating investment income, annual retirement plan distributions, and quarterly taxes can be a chore.

This is why some retirees choose to make systematic withdrawals. Just as they contributed a set amount per month to their retirement accounts while working, they now withdraw a set amount from their accounts each month, quarter, or year.

The simplicity of this may appeal to you. The potential drawback is that a systematic withdrawal strategy can risk oversimplifying the complex matter of retirement income distribution. (more…)

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Spotting Credit Trouble

Oct 11, 2021

Credit Cards
How to check for problems.

Americans aged 45 to 54, who have credit card balances, carry an average debt of $9,096 per individual.

The wise use of credit is a critical skill in today’s world. Used unwisely, however, credit can rapidly turn from a useful tool to a crippling burden. There are several warning signs that you may be approaching credit problems: (more…)

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More Insights

May 25, 2022

When you are putting together a household, it isn’t unusual to delegate responsibilities. One spouse or partner may take on the laundry, while another takes on the shopping. You might also decide which one of you vacuums and which one of you dusts. This is a perfectly fine way to divvy up household tasks and … Continue reading “Taking Charge of Your Financial Life”

May 23, 2022

What does a good retirement look like to you? Does it resemble the retirement that your spouse or partner has in mind? It is at least roughly similar? The Social Security Administration currently projects an average of 18 years for a retiring man and 21 years for a woman (assuming retirement at age 65). So, … Continue reading “Couples Retiring on the Same Page”

May 20, 2022

With inflation hovering near 40-year highs, some investors are looking for alternative ways to weather the storm. For many, a Series I Savings Bond is just the ticket. I Bonds give investors a rate of return plus inflation protection and are backed by the U.S. government.

May 18, 2022

2022 has been a challenging year for investors so far. The S&P 500 Index just had one of its worst Aprils in decades, and May is off to a rocky start. Bond investors have not fared much better as rising interest rates have pushed down bond prices. Bond losses have made the stock market volatility … Continue reading “Market Update: Volatility Continues”

May 16, 2022

You want to retire, and you own a large home that is nearly or fully paid off. The kids are gone, but the upkeep costs haven’t fallen. Should you retire and keep your home? Or sell your home and retire? Maybe it’s time to downsize for retirement.

Insights + Resources >