Budgeting for Beginners
Oct 9, 2020
Budgeting towards needs and goals. One of the objectives of creating a household budget is that, as time moves on and the various household members advance in their careers, they are likely to make more money. Knowing where that money goes can help direct that money to not only meet your day-to-day needs but also to potentially realize your financial goals. Rent payments may eventually become mortgage payments. Socking away a few bucks into your savings each payday is an effective financial strategy involving various investment tools. (more…)
Tags: Financial Help, Financial Planning, Personal Finance, Retirement Planning
Football is Back
Sep 21, 2020
Football is back, which means Summer is coming to a close, days will get shorter, and sweaters will soon be in play.
This year, there was no pre-season, so professional football started in September, which coincidentally, is a perennial month for stock market volatility.1 (more…)
Tags: Financial Planning, Investing, Personal Finance
COVID-19 and Positive Market Territory
Aug 10, 2020
The battle versus COVID-19 continues. The spread in some of the recent hotspots like California and Florida is slowing, while states in the Northeast and Midwest are now experiencing increases in cases. According to the World Health Organization, 27 vaccines are in human trials, and the chances of an approved vaccine by late this year or early next year are quite high. By staying on the side of scientists, and through humankind’s resolve as the entire world is working together, it’s possible to believe we will beat this latest adversary. (more…)
Tags: charlotte NC, Current Events, financial advisor, financial advisor charlotte nc, Financial Planning
The I.R.S. Has Enhanced the 2020 RMD Waivers
Jul 29, 2020
In March, the Coronavirus Aid, Relief, and Economic Security (CARES) Act became law. It was designed to help Americans impacted by the COVID-19 pandemic.1
The new law offered investors a financial break. It gave people the option to skip required minimum distributions (RMDs) from traditional Individual Retirement Accounts (IRAs) and 401(k)-style plans in 2020. (Original owners of Roth IRAs never have to take RMDs from those accounts.)2,3 (more…)
Tags: Current Events, Financial Planning, Personal Finance, retirement, Retirement Planning, taxes
30 Year Home Loans Fall to Historic Lows
Jul 27, 2020
Lately, it can feel like each day brings a new headline about fluctuating market behavior. But amid the ups and downs of 2020, there may be some potential good news on the horizon. On July 16, 2020, the interest rate for 30-year home loans have fallen to 2.98%. In addition, the average interest rate for a 15-year home loan had declined to 2.48%.1,2,3 (more…)
Tags: charlotte NC, financial advisor charlotte nc, Financial Help, Financial Planning, Personal Finance
CARES Act: Will There Be a Phase 4?
Jul 10, 2020
With the economy and financial markets flashing mixed signals, it’s no wonder that lawmakers are deadlocked on whether to pass a Phase 4 of the CARES Act. (more…)
Tags: Current Events, financial advisor charlotte nc, Financial Help, Financial Planner Charlotte NC, Financial Planning
Retirement Plan Options for Small Businesses
Jun 17, 2020
As a small-business owner, figuring out retirement choices can be a little intimidating. How do you pick the most appropriate retirement plan for your business as well as your employees? (more…)
Tags: Financial Planning, retirement, Retirement Planning, Tax Planning
FAQs about the 2020 Stimulus Checks
May 4, 2020
The federal government is providing a little economic relief to many taxpayers. The Internal Revenue Service is sending millions of Economic Impact Payments – or as they are commonly called, stimulus checks – to households. (more…)
Tags: Current Events, financial advisor charlotte nc, Financial Planning, Personal Finance
Circuit Breakers Explained
Mar 16, 2020
Over the past few weeks, investors may have been introduced to a new term they weren’t previously familiar with: circuit breakers. Today, we answer a few simple questions about circuit breakers: (more…)
Tags: charlotte NC, Current Events, Financial 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
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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