Market Update – What Does a Rate Cut Mean for Stocks?
Aug 30, 2024
With NVIDIA (NVDA) earnings now out of the way, investor focus turns to the personal consumption expenditures (PCE) report and next week’s busy economic calendar, including a highly anticipated August employment report and the Institute for Supply Management Purchasing Managers’ Index manufacturing and services survey data. These data points — especially the September 6 payrolls report — will help write the narrative for the Federal Reserve’s (Fed) next meeting on September 18.
Tags: Current Events, financial advisor charlotte nc, Investing, Personal Finance
Health Insurance in Retirement
Aug 21, 2024
At any age, health care is a priority. When you retire, however, you will probably focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the doctor for preventive tests and routine checkups. There’s also a chance that your health will decline as you grow older, increasing your need for costly prescription drugs or medical treatments. That’s why having health insurance is extremely important.Tags: Certified Financial Planner Charlotte NC, Insurance, Medicare, Personal Finance, retirement
Retirement Plans for Small Businesses
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, and to give a portion of the contributions you make to those participating employees. Nevertheless, a retirement plan can provide you with a tax-advantaged method to save funds for your own retirement, while providing your employees with a powerful and appreciated benefit.Tags: financial advisor charlotte nc, Financial Planning, Personal Finance, retirement, tax guide, Wealth Building
Record Keeping for Your Own Business
Jun 3, 2024
Keeping good business records will not only help you stay in business but may also help you increase profits. Your business records let you analyze where your business is and where it’s going. They point out potential trouble spots and serve as a guide to where you want your business to be.Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Personal Finance, Tax Planning, taxes
How US Savings Bonds Work
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 interest, and it also means you may want to consider cashing them in.1 (more…)
Tags: financial advisor charlotte nc, Investing, Personal Finance, Retirement Planning, Retirement Tax Savings
Conducting a Home Inventory
Apr 3, 2024
A home inventory is a complete and detailed written list of all your personal property that’s located in your home and stored in other structures like garages and toolsheds. It should include your possessions as well as those of family members and others living in your home. You should prepare an inventory whenever you move into a new home. To keep track of new additions and discarded items, be sure to update it every year.Tags: Current Events, Financial Planner Charlotte NC, Financial Planning, Personal Finance
Eliminate the Guesswork in an Estate Plan
Mar 22, 2024
Creating an estate plan is a key component of achieving financial wellness
Most people don’t spend too much time thinking about end-of-life planning on a daily basis. But you may have loved ones who will soon face those issues. While it’s not pleasant to think about, you may be the one who ends up having to sort out their affairs. In addition, there will come a time when you need to think about yourself and your own family. (more…)
Tags: Certified Financial Planner Charlotte NC, Estate Planning, Family Wealth, financial advisor charlotte nc, Personal Finance
Managing Money as a Couple
Mar 20, 2024
When you marry or simply share a household with someone, your financial life changes—and your approach to managing your money may change as well. The good news is that it is usually not so difficult. (more…)
Tags: Certified Financial Planner Charlotte NC, Family Wealth, financial advisor charlotte nc, Investment Planning, Personal Finance, Retirement Planning, Tax Planning, Wealth Building
Do Our Emotion or Biases Affect Our Financial Choice
Feb 16, 2024
Investors are routinely warned about allowing emotion to influence their decisions. However, they are less routinely cautioned about their preconceptions and biases that may color their financial choices.
In a battle between the facts & biases, our biases may win. If we acknowledge this tendency, we may be able to avoid some unexamined choices when it comes to personal finance. It may actually “pay” to recognize blind spots and biases with investing. Here are some common examples of bias creeping into our financial lives. (more…)
Tags: Family Wealth, Personal Finance, retirement, Wealth Building
How Are My Investments Taxed?
Feb 7, 2024
It’s nice to own stocks, bonds, and other investments. Nice, that is, until it’s time to fill out your federal income tax return. At that point, you may be left scratching your head. Just how do you report your investments and how are they taxed?Tags: Personal Finance, Tax Advantages, Tax Deductions, tax guide, Tax Planning, taxes
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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