Market Update – The Mid Point
Jul 7, 2023
As we finalize the log on the first six months of 2023, we believe there’s value in reflecting on recent months gone by. Doing so can help crystallize key learnings and help chart a course through the rest of the year. Looking back on the first half of 2023, it’s probably fair to say the outcome has been a bit better-than-expected for the stock and bond markets, especially compared to 2022’s tumult. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Current Events, financial advisor, Financial Planning, Investment Planning
Organizing Your Finances When Your Spouse Has Passed
Jun 30, 2023
Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can take to make dealing with these matters less difficult.Tags: Certified Financial Advisor Charlotte NC, Certified Financial Planner Charlotte NC, charlotte NC, Estate Planning, Family Wealth, financial advisor, Financial Planner Charlotte NC, Financial Planning, Legacy
Creating an Investment Portfolio
Jun 9, 2023
You’ve identified your goals and done some basic research. You understand the difference between a stock and a bond. But how do you actually go about creating an investment portfolio? What specific investments are right for you? What resources are out there to help you with investment decisions? Do you need a financial professional to help you get started?Tags: Certified Financial Advisor Charlotte NC, Certified Financial Planner Charlotte NC, charlotte NC, Current Events, financial advisor, financial advisor charlotte nc, Financial Planner Charlotte NC, Investing, Investment Planning, Investment Portfolio, Personal Finance
Understanding Risk
Jun 2, 2023
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.Tags: charlotte NC, financial advisor, financial advisor charlotte nc, Financial Help, Financial Planner Charlotte NC, Retirement Planning, Risk Management
Asset Protection in Estate Planning
May 31, 2023
You’re beginning to accumulate substantial wealth, but you worry about protecting it from future potential creditors. Whether your concern is for your personal assets or your business, various tools exist to keep your property safe from tax collectors, accident victims, health-care providers, credit card issuers, business creditors, and creditors of others.
To insulate your property from such claims, you’ll have to evaluate each tool in terms of your own situation. You may decide that insurance and a Declaration of Homestead may be sufficient protection for your home because your exposure to a claim is low. For high exposure, you may want to create a business entity or an offshore trust to shield your assets. Remember, no asset protection tool is guaranteed to work, and you may have to adjust your asset protection strategies as your situation or the laws change.
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Estate Planning, Family Wealth, financial advisor, financial advisor charlotte nc, Financial Help, Financial Planner Charlotte NC, Personal Finance
Trust Basics
May 10, 2023
Whether you’re seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility — many types of trusts exist, each designed for a specific purpose. Although trust law is complex and establishing a trust requires the services of an experienced attorney, mastering the basics isn’t hard.
Tags: financial advisor, Legacy, Personal Finance
An Introduction to Estate Planning
Apr 26, 2023
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.
Tags: Estate Planning, Family Wealth, financial advisor, financial advisor charlotte nc, Long-Term Care Planning, Personal Finance, retirement, Retirement Planning
Market Update – An Economy with a Backache
Apr 19, 2023
- Small businesses, considered the backbone of the economy, are shrinking hiring plans. Hiring intentions among small businesses declined in March, implying that upcoming job reports will likely be lackluster.
- Firms are hunkering down as virtually no firms have plans to expand business operations. In fact, the number of firms reporting any expansion plans is the lowest since early 2009 when the economy was in the depths of the Great Financial Crisis.
- Small businesses are reporting more difficult access to credit. The percent reporting tighter credit is the highest since 2012 as lending institutions tighten up under the uncertainty of the macro landscape.
- Now, some good news. Inflation was less of a problem in March as firms are more concerned about the overall business environment as the economy slows under tighter financial conditions.
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Current Events, financial advisor, financial advisor charlotte nc
Taking Charge of Your Financial Life
Feb 13, 2023
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 chores. (more…)
Tags: Certified Financial Planner Charlotte NC, Family Wealth, financial advisor, Financial Help, Financial Planner Charlotte NC, Financial Planning, Investing, Personal Finance
Should You Care What the Stock Market Does Each Day?
Feb 10, 2023
Investors are people, and people are often impatient. No one likes to wait in line or wait longer than they have to for something, especially today when so much is just a click or two away. (more…)
Tags: financial advisor, Financial Help, Investing, Investment Planning, Investment Portfolio, Personal Finance
More Insights
Apr 19, 2024
Ever hear of critical illness insurance? This isn’t standard-issue disability insurance, but a cousin of sorts. With people living longer, it is a risk management option entering more people’s lives.
Apr 17, 2024
Following Iran’s missile and drone strikes on Israel over the weekend and the apparent escalation likely in any Israeli response, stocks fell sharply during Monday’s trading session. We examine the latest developments in the Middle East conflict, how stocks have reacted historically to geopolitical events, and the possible impact on markets moving forward.
Apr 15, 2024
Did you buy U.S. Savings Bonds decades ago? Or did your parents or grandparents purchase them for you? If they’re collecting dust in a drawer, you may want to take a look at them to see if any of your bonds have matured. If your bonds have matured, that means they are no longer earning … Continue reading “How US Savings Bonds Work”
Apr 12, 2024
In baseball, three strikes and you’re out. With inflation, a third straight month of hotter-than-expected consumer inflation data nearly ruled out probabilities for a June rate cut yesterday (now less than a 25% chance, according to fed funds futures). The core Consumer Price Index (CPI) rose 0.4% in March, or 3.8% when compared on a … Continue reading “Market Update – Assessing the Prospect for a Pullback”
Apr 10, 2024
You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your … Continue reading “Estimating Your Retirement Income Needs”
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