Are You Ready for the Second Act of the Secure Act?
Jun 14, 2021
Recently, you may have seen headlines regarding the Securing a Strong Retirement Act, also referred to as the second version of the SECURE Act, or SECURE Act 2.0. (more…)
Tags: charlotte NC, Current Events, financial advisor charlotte nc, Personal Finance, Retirement Planning, Retirement Tax Savings, Secure Act
How COVID-19 Caused a “She-Cession”
May 19, 2021
Since the 1980s, unemployment rates have trended higher amongst men than women during a recession. In previous periods of economic downturn, this made sense. Male-dominated industries, like construction and finance, were typically some of the most impacted by a recession. (more…)
Tags: charlotte NC, Personal Finance
Managing Drug Costs
Nov 27, 2020
Are prescription drug costs burdening your finances? Some people find it a challenge to manage the cost of prescription drugs. Americans pay an average of $1,200 per year for medicine. For those facing greater and more dangerous ailments, some drug costs are $10,000 per month or even lump sums in excess of $80,000 for certain drug therapies. Yes, health insurance and Medicare Part D can help you, but not everyone has access to Medicare, and not every insurance company has the same formulary. This means that your coverage may fall short—not something you want to hear when wrestling with a major diagnosis.1 (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Family Wealth, financial advisor, Health Care Needs, Health Care Savings, Medicare, Personal Finance, Spending Habits
Coronavirus Vaccines and the Economy
Nov 23, 2020
As the United States sees a rise in cases of COVID-19 across the nation, news of two promising vaccines out of hundreds being tested has offered a ray of hope for a fatigued world.1
A positive reaction to these vaccines affects every aspect of human life, including the financial world. On Monday, November 16th, The Dow Jones Industrial Average rose 450 points on the news of a second effective vaccine, hitting a record high.2
Markets are not merely reacting to the positive news, but what a vaccine might mean for the economy. Investors are likely picturing people returning to something resembling their old lives. Stocks related to travel, such as airlines and cruise holidays, have seen an uptick. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Current Events, Family Wealth, financial advisor, financial advisor charlotte nc, Personal Finance, Wealth Building
Speed Bumps and Vaccine Headlines
Nov 18, 2020
As an investor, it can be tempting to get caught up in daily news headlines. From election news to vaccine updates, these headlines can lead to additional volatility in the markets. Consider how news about the election and COVID-19 vaccines have moved the markets over the past several weeks. But having a financial strategy can help you ignore short-term volatility and focus on your long-term vision. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Family Wealth, financial advisor, financial advisor charlotte nc, Financial Planning, Investment Planning, Personal Finance, Retirement Planning
Election 2020: Wall Street
Nov 6, 2020
After many weeks of telegraphing a long and careful ballot count, this week’s election lived up to that prediction in races for the Senate, the House, and the presidency. While Americans voted Tuesday, Wall Street cast its ballot Wednesday.
The S&P 500 rose 2.2% on Wednesday, November 4, as it appeared a divided government would be the outcome of election 2020. The Nasdaq, which has led all year, picked up 3.9%.1 (more…)
Tags: charlotte NC, Current Events, financial advisor charlotte nc, Investing
2020 Election Aftermath
Nov 4, 2020
The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of our elections is a process, but it usually moves so quickly it barely gets noticed. This year it will take longer, but the process itself hasn’t changed. For many, this uncertainty on top of an already heated election season has created additional anxiety and frustration. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Current Events, financial advisor charlotte nc, Financial Help, Personal Finance, retirement
Election 2020: Be Confident. Be Bold. Be Patient.
Oct 28, 2020
It should come as no surprise that the economy is the most crucial issue in the upcoming election.
But here’s something that may surprise you. More than 90% of investors say they plan to change their portfolio in the 12 months following the election.1 (more…)
Tags: charlotte NC, Current Events, financial advisor charlotte nc, Financial Planning, Personal Finance
Election 2020: Economic Issues in the Crosshairs
Oct 16, 2020
It should come as no surprise to hear the economy is the top issue for voters in the 2020 election. Nearly 8 in ten voters say that the economy will be very important to them when they cast their votes at the ballot box in just over two weeks. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Current Events
Estate Planning Strategies for Year-End
Oct 12, 2020
With one year ending and a new one on the cusp of starting, many people will consider their resolutions—not their estate planning strategy. But the end of the year is a great time to sit down and review your preparations, especially when you’re spending more time with your loved ones; even more important if you have a complicated estate that may need to get managed after you’re gone. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Estate Planning, Financial Planning, Personal Finance
More Insights
Jul 26, 2024
Key Takeaways Volatility came back with a vengeance this week as selling pressure in the mega cap space dragged down the broader market. Counterbalancing weakness in these heavyweight names poses a challenge for the rest of the market. Overbought conditions can also be blamed for the recent weakness. The S&P 500 reached a 14.9% premium … Continue reading “Market Update – Assessing the Technical Damange”
Jul 24, 2024
Life insurance can be an excellent tool for charitable giving. Not only does life insurance allow you to make a substantial gift to charity at relatively little cost to you, but you may also benefit from tax rules that apply to gifts of life insurance.
Jul 22, 2024
When you think of Social Security, you probably think of retirement. However, Social Security can also provide much-needed income to your family members when you die, making their financial lives easier. Your family members may be eligible to receive survivor benefits if you worked, paid Social Security taxes, and earned enough work credits. The number … Continue reading “Social Security Survivor Benefits”
Jul 19, 2024
Information vs. instinct. When it comes to investment choices, many people believe they have a “knack” for choosing good investments. But what exactly is that “knack” based on? The fact is, the choices we make with our assets can be strongly influenced by factors, many of them emotional, that we may not even be aware … Continue reading “Making Investment Choices”
Jul 17, 2024
As a business owner, you should carefully consider the advantages of establishing an employer-sponsored retirement plan. Generally, you’re allowed certain tax benefits for establishing an employer-sponsored retirement plan, including a tax credit for establishing the plan and a deduction for contributions you make. In return, however, you’re required to include certain employees in the plan, … Continue reading “Retirement Plans for Small Businesses”
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