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Monday, December 4, 2023

Tax planning might be complex, but it's also essential—especially for high-net-worth families, where missing tax breaks or failing to optimize income could cost significant dollars, maybe millions, over a lifetime. And even in...

Tuesday, November 21, 2023

Our Favorite Thanksgiving Recipes for a Memorable Feast!

Monday, November 20, 2023

It may be easy to forget that we're nearing the end of the year. Even during the busy end-of-year rush, it's a good time to reevaluate your 2023 finances and turn an eye toward 2024. What may be possible to improve and streamline your...

Monday, November 20, 2023

When it comes to your estate plan, you don’t just have it drafted and put away until it is time for your loved ones to manage your lifetime of affairs. As your world changes year by year, it is critical that you review your...

Monday, November 20, 2023

The holidays are nearly upon us – a time of giving, goodwill to others, and embracing traditions. For many people, giving to a charity or organization that aligns with your values provides a sense of fulfillment. If you itemize...

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Monday, November 20, 2023

A David Letterman-inspired Top 10 List from your financial professional Make Your Year Matter Well, if you’re like me, you will be thankful to make it through another holiday season, with at least most of your sanity left. For me...

Wednesday, November 8, 2023

It may be easy to forget that we're nearing the end of the year. Even during the busy end-of-year rush, it's a good time to reevaluate your 2023 finances and turn an eye toward 2024. What may be possible to improve and streamline your...

Wednesday, November 8, 2023

When it comes to your estate plan, you don’t just have it drafted and put away until it is time for your loved ones to manage your lifetime of affairs. As your world changes year by year, it is critical that you review your...

Friday, October 20, 2023

As we approach the last quarter of each year, it is a good time to plan for the next one. Year-end planning is especially important for existing retirees and those hoping to retire in the next few years. There are tax and income...

Friday, October 20, 2023

Kitty O’Neill Collings, an American politician and pioneer in the area of international diplomacy, civil liberties, and social justice, once quipped, “Aging seems to be the only available way to live a long life.”...

Friday, October 20, 2023

Thanksgiving is a holiday for spending time with loved ones, being grateful, and perhaps enjoying a bit of overindulgence. There are many financial lessons to be had in planning, preparing, and celebrating this annual feast.1 Here are...

Friday, October 20, 2023

A 401(k) plan is one of the most popular and effective techniques for saving for your retirement. A company will automatically withdraw and contribute money from each paycheck to your 401(k) plan. Some employers will even match a...

Sunday, October 1, 2023

There are two things Americans have always looked forward to: going to the ballpark for the big game and retiring after a fulfilling career. Interestingly, baseball and retirement planning have several aspects in common.

Sunday, October 1, 2023

For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your spending after the..

Sunday, October 1, 2023

Tips so employers can help employees plan a confident and stable retirement Amidst a backdrop of a volatile market and potential inflationary pressures, these shifts can shape the future of employee retirement planning significantly....

Sunday, October 1, 2023

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review.

Tuesday, August 22, 2023

Obtaining a life insurance policy is part of being an adult. But it’s also something that you can easily neglect, especially if you obtained it earlier in adulthood. You should review it when you reach these milestones.

Tuesday, August 22, 2023

One of the main concerns about retirement is health care. As healthcare costs continue to rise, medical bills may derail your retirement plan. Though navigating Medicare is a little tricky, these tips can make the process less daunting.

Tuesday, August 22, 2023

Two in three American adults do not have an estate plan, which can protect your assets and ensure that they go to the right people. Here are seven crucial steps to take when you begin estate planning.

Wednesday, August 16, 2023

When you invest, you assume a certain level of risk. One of the most challenging aspects of investing involves matching your tolerance for risk with your investment objectives.

Wednesday, July 26, 2023

It's important for individuals to reconsider relying solely on Social Security benefits as a retirement plan. Here are five compelling reasons why you should not solely depend on Social Security as part of your retirement plan.

Wednesday, July 26, 2023

Value investors seek out stocks trading for less than their intrinsic value. With proper diversification, prudent use of a value-based investment philosophy may serve the long-term needs of today’s investor.

Wednesday, July 26, 2023

The demand for community living and estate planning services may increase over the next few decades. Do you know what arrangements you need to make when the time comes? What are the differences between elder law and estate planning?

Wednesday, July 26, 2023

Shouldn’t every person have a Retirement List that they go through every year, much like a Back-To-School List? And knowing that the answer is yes, what should this Retirement List look like? Consider these items.

Saturday, July 1, 2023

Being a small business owner can be rewarding but also may bring a lot of stress.

Saturday, July 1, 2023

While many factors may influence your financial situation, social influence is the component that is given the least attention.

Saturday, July 1, 2023

Members of the "sandwich generation" may feel stressed and overextended. There are steps you may take to mitigate these stresses and develop a strong action plan.

Thursday, June 29, 2023

Your finances are probably one of the last places you want to experience fireworks—unless they are celebratory.

Thursday, June 1, 2023

When it comes to your retirement, there are three factors that you may want to take into account when planning for your retirement income needs.  First, the deductibility of Individual Retirement Account (IRA) contributions...

Thursday, June 1, 2023

Estate planning helps disperse your assets according to your wishes. The effort may seem daunting at first, but estate planning does not have to be overly complicated. With the proper planning, you may find yourself resting a little...

Thursday, June 1, 2023

You may have accounts spread across several institutions, such as your bank accounts, brokerage investments, 401(k), 529 education savings plans, etc. By utilizing Account Aggregation, you can collect and centralize all your financial...

Thursday, June 1, 2023

For kids, teens, and college students, summer break often represents freedom from schedules, responsibilities, and all those other drains on your time. Retirement actually can provide a similar level of freedom, but only if you've...

Monday, May 22, 2023

You may already be aware of the importance of having enough life insurance coverage to handle financial matters that could affect your family in the event of your death. However, determining the appropriate amount of coverage...

Monday, May 22, 2023

Those that choose to invest in the education of a family member, friend or acquaintance are investing not only in that individual’s future, but also the future of society. It is an act of generosity, forward-thinking, and love....

Monday, May 22, 2023

After spending so much of your life saving for retirement, it may be challenging to transition from depositing funds to withdrawing them. You may wonder whether there is any way to maintain your lifestyle and preserve your wealth to...

Wednesday, April 26, 2023

Planning for retirement is exciting, but it may come with a bit of stress. If you worked hard all your life, now might be the time to relax and enjoy the fruits of your labor. One of the things that you may need to consider is when it...

Monday, April 17, 2023

When people think of “myths,” they often think of such stories as Pandora’s Box (the woman who took the lid off of a jar releasing all of the world’s ills upon the world, were taxes one of them?), or the Tale of...

Monday, April 17, 2023

Most people know that once they approach retirement age, their reward for years of work comes from Social Security payments they put money towards during their employment. Deciding when to file for your Social Security payments is...

Thursday, March 9, 2023

In the U.S., men are investing and accumulating wealth at a greater pace than women, fueling the gender investing gap. Closing the investing gap is essential so that women accumulate enough retirement assets for their entire lives. On...

Friday, February 24, 2023

When you own a business, you get to deduct business expenses from your business income. This general rule applies, subject to certain limitations, whether you are a sole proprietor with employees or a self-employed freelancer...

Friday, February 17, 2023

Financial wellness is a state of being when one is in control of their finances, can cover expenses, and save for future goals. Consider financial wellness as your relationship with money; it can be either healthy or unhealthy....

Friday, January 6, 2023

Change may be difficult, especially when you try to change your financial habits. The process might be easier if you take an incremental approach. Do you want to get on top of your finances this year? Are you looking for ways to...

Friday, January 6, 2023

Regardless of whether you prepare your taxes yourself or use a professional's services, it's a good idea to gather the information and documentation you need well in advance of your actual tax filing date. Below, we've listed some key...

Monday, December 12, 2022

Is that investment an innovation or an improvement on an existing product? As Christmas sales loom, we face an endless array of sparkly, shiny and occasionally innovative items. As an investor, you run into a similar phenomenon that...

Monday, December 12, 2022

THINGS TO CONSIDER GOING INTO “THE NEW YEAR" (YEAR-END PLANNING CHECKLIST) The end of the year is necessary to reflect on your financial picture, review the last 12 months, and plan for the future. With all that is involved,...

Thursday, December 1, 2022

Change may be difficult, especially when you try to change your financial habits. The process might be easier if you take an incremental approach. Do you want to get on top of your finances this year? Are you looking for ways to...

Monday, November 28, 2022

Giving Tuesday is a day to extend the goodwill that the holiday season may bring to help others. With so many in need, the holiday season is a reminder to help those less fortunate. Whether you want to donate your time or contribute...

Friday, November 25, 2022

Social security is way behind inflation so you may need a better retirement plan In October of 2022, the Social Security Administration announced that Social Security and Supplemental Security Income (SSI) benefits for more than 70...

Friday, November 11, 2022

Tax planning can be more advantageous when done during the year and well in advance of year’s end. Opportunities may exist for you to minimize tax liability, which could leave more income for you and/or your family...

Monday, November 7, 2022

The S&P 500 does best when one party controls Congress and the WH too The 2022 Midterm Elections will feature hundreds of hotly contested races at the state and local level and will decide whether the Democrats maintain...

Wednesday, October 26, 2022

It's generally a good idea to review youremployer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven't given your plan a thorough review within the last 12 months, now may be a...

Wednesday, October 26, 2022

Investing can be a roller coaster—and, when the market starts dropping, it may even feel more like a haunted house. With recession fears mounting, what can investors do to stay the course and escape unscathed? Here we discuss...

Thursday, October 6, 2022

COVID-19 and remote work is continuing to increase the need for internet security. Social distancing has increased device use and strained security protocols. Although cyber-security attacks are often direct at companies, other attacks...

Wednesday, September 28, 2022

Why did you purchase life insurance? If you're like most people who buy life insurance, you're looking to provide a source of income for someone (e.g., a spouse, parent, or child) after you die. Buying the policy was the first step....

Wednesday, September 28, 2022

Your need for life insurance changes as your life changes. When you're young, you typically have less need for life insurance, butthat changes as you take on more responsibility and your family grows. Then, as your...

Tuesday, September 6, 2022

On August 24, 2022, just a few days before federal student loan repayment was set to resume, President Biden announced a plan for additional student loan debt relief.Federal student loan repayment was originally halted in March 2020 at...

Tuesday, August 16, 2022

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and...

Tuesday, August 9, 2022

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire.It sounds a little crazy, doesn't it? But that's what...

Tuesday, August 2, 2022

Though baseball and stock market investing may not seem to have much in common, there are a few key similarities—both are stats-driven and require focus, a relative lack of emotion, and a clear mind. And when it comes to...

Tuesday, July 26, 2022

Many investors still adhere to the old adage—"sell in May and go away"—while others remain fully invested even as the summer heat waves begin. What goes unsaid is that if your asset allocation accurately reflects your risk...

Monday, July 25, 2022

The changes you make today might be the benefits you need long-term Today, many people find themselves inundated by a constant stream of financial news from television, radio, and the Internet. Yet, does all this information and...

Tuesday, July 5, 2022

In 2022, U.S. inflation hit a 40-year high, with prices for food, housing, gasoline, and other key staples increasing by nearly 10% over the previous year.1 During these uncertain times, stocks have continued a roller-coaster ride...

Wednesday, June 22, 2022

A bear market is a prolonged period of price declines in securities, an index such as the S&P 500, or the overall stock market of usually 20% or more from a recent high. Bear markets can also signal economic downturns such as a...

Wednesday, June 15, 2022

Do you have $300,000 ready for health care costs? When people plan for retirement, most think about the stock market, potential returns, and occasionally what their future retirement expenses might look like. And while it’s...

Tuesday, June 14, 2022

This year has been tough for investors, not just because stocks have fallen but also because bonds have not helped mitigate those losses as they have historically done. Below we discuss the outlook for diversified portfolios of stocks...

Friday, May 27, 2022

The latest personal income and spending data from the Bureau of Economic Analysis show that part of the driver of spending growth in April was from savings. Another engine driving consumer spending was credit card usage but first,...

Tuesday, May 10, 2022

Tuesday, May 3, 2022

Monday, May 2, 2022

Monday, May 2, 2022

Tuesday, April 19, 2022

Thursday, April 7, 2022

Friday, April 1, 2022

Friday, April 1, 2022

Tuesday, March 29, 2022

Tuesday, March 22, 2022

Sunday, March 13, 2022

Tuesday, March 8, 2022

Wednesday, March 2, 2022

Tuesday, March 1, 2022

Tuesday, February 22, 2022

Monday, February 14, 2022

Tuesday, February 8, 2022

Tuesday, February 1, 2022

Tuesday, February 1, 2022

Friday, January 28, 2022

Monday, January 24, 2022

Tuesday, January 18, 2022

Tuesday, January 11, 2022

Monday, January 3, 2022

Thursday, December 30, 2021

Thursday, December 30, 2021

Thursday, December 30, 2021

Tuesday, December 28, 2021

Tuesday, December 21, 2021

Friday, December 17, 2021

Tuesday, December 14, 2021

Tuesday, December 7, 2021

Monday, December 6, 2021

Wednesday, December 1, 2021

Tax preparation tools and products continue to evolve even more quickly than the federal tax code itself. Which tax prep tools are worth the hype, and which may be passed over? Below we discuss five high-tech tools to help make tax...

Wednesday, December 1, 2021

“Keep it Simple, Stupid” is a great approach to organizing your finances Some folks think financial planning is very difficult. While certain aspects are hard, such as constructing the right asset allocation to meet your...

Wednesday, December 1, 2021

Have you ever found yourself scrambling for spare cash to send with your child for school lunch? Have you paid a late fee because you simply forgot when a bill was due? Have you woken up in a cold sweat trying to remember if you paid...

Monday, November 29, 2021

The big news this week was Jerome Powell will remain in charge of the Federal Reserve (Fed) for four more years, so we wanted to do a quick blog that looked at how stocks have done while he has been the Fed Chairman. “There are...

Monday, November 22, 2021

On Thursday, November 18, the Conference Board released it October 2021 report detailing the latest reading for the Leading Economic Index (LEI), a composite of ten data series that tend to lead changes in economic activity. Many...

Tuesday, November 16, 2021

America's infrastructure was dealt a win in late October 2021 when Congress passed a $1.2 trillion bipartisan infrastructure bill as part of the President's Build Back Better plan. This is the first of two proposed bills—one...

Tuesday, November 16, 2021

After an upside inflation surprise in October, it’s clear that peak inflation may still be ahead, possibly even pushing into 2022. While the Federal Reserve (Fed) maintains its position that elevated inflation will be transitory,...

Monday, November 8, 2021

Since we began our investing careers, we’ve had the concept of diversification drilled into our heads. Some refer to it as the only free lunch in investing. Well, when it comes to geography, that advice hasn’t been helpful...

Monday, November 1, 2021

Index Performance View enlarged chart. U.S. and International Equities Stocks erased September losses with solid gains in October for the broad market averages. The S&P 500 returned almost 7% for the month, while the Dow Industrials...

Wednesday, October 27, 2021

For many people, a new year provides a new start—and nothing says "new start" like a fresh new set of financial goals. But setting these goals is easier said than done. What steps should you take to get the most bang for your...

Wednesday, October 27, 2021

With the holidays here, now is the time to get into the giving spirit and help to change others' lives for the better. Whether you are looking to make a difference in a specific person's life or the life of many, there are many ways to...

Wednesday, October 27, 2021

It’s hard to believe we are already approaching the end of another year, and holiday season will soon be here. Since holiday spending doesn’t include just gifting, it’s essential to set your budget now. You may likely...

Monday, October 25, 2021

The S&P 500 Index has gained more than 20% so far this year, making more than 50 record highs along the way. Certainly nobody should be upset with that return if that was all 2021 brought us. However, we see signs that there could be...

Thursday, October 21, 2021

The largest cost-of-living-adjustment since 1982 impacts 90% of seniors On October 13th, the Social Security Administration announced that Social Security and Supplemental Security Income benefits for tens of millions of Americans will...

Monday, October 18, 2021

We have used most of the superlatives we know to describe corporate America’s stunning performances over the past two earnings seasons. Despite lofty expectations, results exceeded estimates by the biggest margins we’ve...

Monday, October 11, 2021

Index Performance View enlarged chart. U.S. and International Equities Major U.S. and International Markets Finished Higher The major equity markets reversed course from last week to finish higher. The international markets results...

Monday, October 4, 2021

With the fourth quarter underway—historically the best quarter for stocks, by the way—2022 is fast approaching. While a lot can still happen between now and the end of 2021, we don’t think it’s too early to...

Wednesday, September 29, 2021

Remember, it’s about paying America’s bills, not borrowing more money The latest mess out of Washington is the fight to increase the federal debt ceiling. If this isn’t resolved, some fear catastrophe for the markets...

Tuesday, September 28, 2021

Entrepreneurs tend to be natural risk-takers but this doesn't mean committing to uncompensated risk. A wise entrepreneur considers their potential exposure before leaping into a new business venture, moving forward only on those...

Tuesday, September 28, 2021

Over the last 18 months, hundreds of thousands of Americans have fallen ill with COVID-19, with around 30 percent of those with COVID continuing to suffer long-term effects that compromise their self-care abilities. If you're facing an...

Tuesday, September 28, 2021

It may be easy to forget we're nearing the end of the year. Even during the busy end of year rush, it's a good time to reevaluate your 2021 finances and turn an eye toward 2022. What can you do now to potentially improve and streamline...

Monday, September 27, 2021

On Thursday, September 23, the Conference Board released its August 2021 report detailing the latest reading for the Leading Economic Index (LEI), a composite of ten data series that tend to lead changes in economic activity. Many...

Monday, September 20, 2021

Chinese property developer Evergrande’s liquidity crisis has sparked fear and massive selling in Chinese property stocks over the past several weeks. The big question is could this be the first domino to fall, sparking a systemic...

Thursday, September 9, 2021

Two large infrastructure bills have taken important steps to advance in Congress. Here's where they stand: On August 10, 2021, the Senate passed a $1.2 trillion bipartisan infrastructure bill, to be named the Infrastructure Investment...

Tuesday, September 7, 2021

It seems to be two steps forward, one step back for the U.S. labor market. The U.S. Bureau of Labor Statistics released its August employment report this morning, revealing that the domestic economy added a disappointing 235,000 jobs...

Monday, August 30, 2021

Index Performance View enlarged chart. U.S. and International Equities Major Markets Rebound The major markets finished higher after last week’s selloff, as an already strong week was capped off with a broad-based rally on Friday...

Thursday, August 26, 2021

Have you ever thought about what would happen if you or a family member were no longer able to live independently? What if your elderly parents were no longer able to drive or perform basic activities of daily living, such as bathing...

Thursday, August 26, 2021

If your 65th birthday is coming up—or if you're receiving Social Security Disability payments and are about to qualify for Medicare before age 65—you may be wondering exactly what comes next.1 Below, we discuss some...

Thursday, August 26, 2021

It is common for people to put off planning their estates. After all, no one wants to anticipate his or her own death. In addition, many people may believe that only the wealthy require estate planning or that all that is involved is...

Thursday, August 26, 2021

For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your...

Monday, August 23, 2021

Index Performance View enlarged chart. U.S. and International Equities Major Markets Pullback The major markets this week finished lower as value sectors reversed course from last week’s gains. The strength in cyclicals the prior...

Wednesday, August 18, 2021

As mentioned in the most recent Muni Market Monitor, high yield muni funds have accumulated $24 million of net inflows year to date, representing ~20% of total inflows to the total municipal category. With the prospects of higher...

Wednesday, August 11, 2021

The Chairperson of the Federal Reserve (Fed) is appointed by the President of the United States and serves a four-year term. The current Chairperson, Jerome Powell, has held that position since 2018 so his initial term is ending early...

Wednesday, August 4, 2021

Hard to believe, but we are in August already! The good news is stocks are still firmly in a bull market, but the bad news is the calendar is a potential worry now. As shown in the LPL Chart of the Day, August and September have been...

Thursday, July 29, 2021

Natural disasters like wildfires, floods, earthquakes, tornadoes, and long-term power outages don't discriminate—they may impact anyone at any time. However, you don't need to live your life under the constant stress of expecting...

Thursday, July 29, 2021

When Judy purchased her life insurance policy 10 years ago, she thought her insurance planning was complete. She assumed that if she paid her premiums on time, she could sit back and not think about life insurance anymore....

Thursday, July 29, 2021

There are many things you can do to keep your brain active: going outside more, listening to classical music, or learning a new skill. As you get older, it’s imperative to take care of your mental and physical health. Both are...

Wednesday, July 28, 2021

The Federal Reserve (Fed) meets this week to discuss its ongoing support for the U.S. economy. During its regularly scheduled two-day meeting, the nineteen-member committee is expected to discuss if and when the Fed should start to...

Wednesday, July 21, 2021

Top Story Earnings season off to a great start Beat rates have been outstanding so far with 85% and 90% of S&P 500 companies beating earnings and revenue targets. Second quarter earnings growth is tracking to a nearly 70%...

Tuesday, July 13, 2021

LPL Research Midyear Outlook 2021: Picking Up Speed is designed to help you navigate the risks and opportunities over the rest of 2021 and beyond. While the speed can be exhilarating as economic growth accelerates, it can also be...

Tuesday, July 6, 2021

Top Story Streaking. Stocks have been extremely strong recently. Here are some eye-opening stats. The S&P 500 Index is up seven days in a row for the first time since August 2020. It hasn’t been up eight in a row since April 2019...

Tuesday, June 29, 2021

Top Story Three Things That Worry Us Markets are off to a strong start this year, with the S&P 500 Index up about 14% so far. However, most of those gains came early in the year, and many stocks have stagnated over recent months. While...

Wednesday, June 23, 2021

Despite the economic shock of the coronavirus pandemic, American workers and retirees remain largely optimistic about their financial prospects for retirement. In its annual Retirement Confidence Survey conducted in January 2021, the...

Wednesday, June 23, 2021

Finance, in general, bases on rational and logical theories, and for the most part, tends to be somewhat predictable. Early financial theories assumed that people behave rationally and predictably and that outside factors and emotions...

Wednesday, June 23, 2021

As the call continues to come for following through on support of minority-owned businesses,[1] many are wondering how they may lend their support to black businesses. Whether through direct investment or community support, there are...

Tuesday, June 22, 2021

Top Story Inflation And What the Fed Is Saying A complete picture of the reaction to the July 16 Federal Reserve (Fed) meeting is yet to come and may be more muted. Both stocks and bonds reacted strongly to the outcome of the...

Monday, June 14, 2021

Top Story Sustainable Investing Becoming Mainstream in Fixed Income Sustainable investing is becoming more mainstream in fixed income—and companies that fail to acknowledge changing dynamics may potentially face financially...

Wednesday, June 9, 2021

Top Story Policy tailwinds may turn into headwinds in 2022, but economic fundamentals likely to dominate The U.S. stock market was supported by tremendous fiscal stimulus in 2020 and into 2021 and may face some challenges as support...

Wednesday, June 2, 2021

Market Blog Wednesday, June 2, 2021 Although there was some notable weakness in the middle of May, the S&P 500 Index was able to rally late in the month to finish with a modest gain. Incredibly, this was the eighth year out of the past...

Tuesday, May 25, 2021

Top Story Stock Market Gains Likely To Slow LPL Research explores how, as this bull market gets a little older, the pace of stock market gains will likely slow but does not expect pullbacks to last very long. Learn more in this...

Wednesday, May 19, 2021

Daily Insights U.S. markets point to a lower open Market participants continue to consider inflation’s impact on interest rates and Federal Reserve policy. The S&P 500 Index, the Nasdaq Composite, and the Dow Jones Industrial...

Tuesday, May 18, 2021

For years, you’ve diligently invested in your retirement portfolio, accumulating wealth that you hope will sustain you throughout your Golden Years. To help see that your assets are sufficient to help you support your lifestyle...

Tuesday, May 18, 2021

It is human nature to seek advice when things aren't going well or when an unforeseen event occurs. Often, people seek financial advice from a professional only when the stock market and their investments are experiencing turbulent...

Tuesday, May 18, 2021

Market risk is something all investors may worry about, but those close to retirement have limited time to recover from market loss. If you are within ten years of retirement, now is a critical time for your portfolio to continue to...

Tuesday, May 18, 2021

Many Americans are stressed over money issues related to COVID-19, according to a 2020 Survey by The National Endowment for Financial Education. The media may report a strong U.S. economy is emerging, but many people experience stress...

Monday, May 10, 2021

Top Story Blowout earnings With nearly 90% of S&P 500 companies having reported, first quarter earnings are tracking to a remarkable 49% year-over-year increase, more than double the increase as of March 31. S&P 500 revenue is on track...

Wednesday, May 5, 2021

Earnings are off the charts Perhaps the best thing we can say about the earnings upside generated by corporate America during Q1 2021—currently more than 22%—is that growth pierced the upper end of our earnings dashboard...

Wednesday, April 28, 2021

Corporate America Keeps Adding To Earnings Upside With about 25% of S&P 500 Index companies having reported, first quarter earnings are tracking to a 34% year-over-year increase, an impressive 10 percentage points above March 31...

Monday, April 19, 2021

Gifting, for many investors, is about the philanthropic support they want to give charities. Gifting to help make the world better by benefitting society is one reason many families choose to donate. The charitable giving tax deduction...

Monday, April 19, 2021

Additional insurance to protect your assets and future Why doesn’t anyone ever tell you not to buy an umbrella liability policy? It seems like additional overall security for pennies. Sure, you can spend pennies paying for...

Monday, April 19, 2021

Peak optimism? Stocks are continuing their momentum from last year, with major indexes around the world making new highs and the S&P 500 Index already up more than 12% year to date. While optimism surrounding the reopening is certainly...

Wednesday, April 14, 2021

Growth and inflation expectations are widely known fundamental variables used in determining fair value for fixed income securities, but are there seasonal patterns that exist in the bond market that can help investors determine when...

Monday, April 5, 2021

LPL Research revises previous forecasts to better reflect the growing optimism of an economy on the rebound in this week’s Weekly Market Commentary, available at 1 p.m. ET. Daily Insights U.S. stocks point higher after employers...

Monday, April 5, 2021

Your financial professional can help you navigate the ever-changing IRS rulesTaxpayers of all ages may be able to claim a deduction on their 2020 tax return for contributions made to their Individual Retirement Account made through May...

Monday, March 29, 2021

Are We on the Brink of an Inflation Crisis? LPL Research explains why any upticks in inflation will ultimately prove transitory in this week’s Weekly Market Commentary, available at 1 p.m. ET. Daily Insights U.S. stocks open...

Tuesday, March 23, 2021

Setting healthy financial goals is critical. Even more important is staying committed to those financial goals. Keeping yourself committed to your goals may be difficult, especially when times may be financially tough. But by staying...

Tuesday, March 23, 2021

Buying a life insurance policy is something that many people push off, sometimes until it is too late. For many people, the thought of buying life insurance means thinking about their death, which is something that most people wish to...

Tuesday, March 23, 2021

The U.S. Department of the Treasury is delaying the April 15th deadline to file and pay taxes until May 17th, giving individuals and businesses another month to file and then pay the government what they owe. The IRS will be providing...

Monday, March 15, 2021

March Madness: Stock Market Edition LPL Research share their “Final Four Factors” for the stock market in 2021 in this week’s Weekly Market Commentary, available at 1 p.m. ET. Daily Insights U.S. stocks open little...

Wednesday, March 10, 2021

Top Story Why Higher Rates Aren’t Bad For Stocks In this week’s new Market Signals podcast and video, Chief Market Strategist Ryan Detrick and Equity Strategist Jeffrey Buchbinder discuss why higher rates historically...

Monday, March 1, 2021

Here Comes The Earnings Boom LPL Research reviews an incredible earnings season and speculates on a potentially strong earnings rebound for 2021 and beyond. Find out more in today’s Weekly Market Commentary, available at 1 p.m....

Wednesday, February 24, 2021

New Market Signals Podcast Chief Strategist Ryan Detrick, Equity Strategist Jeffrey Buchbinder, and guest speaker Jason Hoody, Head of Investment Manager Research discuss why sustainable investing is a major trend that isn’t...

Monday, February 22, 2021

When saving for retirement, it often makes sense to contribute to employer-sponsored retirement plans to take advantage of any available employer match opportunities. However, not everyone has access to an employer-sponsored plan. Even...

Monday, February 22, 2021

As your retirement draws closer, you will probably start to have lots of questions such as: How much Social Security will I receive? When should I retire? How will I know when to retire? Do I have enough saved? What will I need to do...

Monday, February 22, 2021

Unlike verbal literacy, financial literacy isn't often taught in schools—which means that many people may enter adulthood without having all the tools they need to make informed and effective financial decisions.[1] Fortunately,...

Monday, February 22, 2021

Long known as a day for pranks, the April Fool's holiday has a few possible origins[1] and has been celebrated in many countries for centuries. The holiday is typically marked by the delivery of practical jokes, at the end of which the...

Wednesday, February 17, 2021

Global markets avoid chill of cold and ice across the United States Weather-related power outages temporarily limited US oil output, helping to push the US oil benchmark to over $60/barrel for the first time in over a year....

Tuesday, February 9, 2021

US stocks open modestly higher after last week’s strong rally European markets firmly higher in midday trading with the United Kingdom outperforming after lagging last week. Asian stocks mostly higher as Japan’s Nikkei 225...

Tuesday, February 2, 2021

The S&P 500 Index opens firmly higher to begin a busy week of earnings; over 100 S&P 500 companies set to report: European markets stronger in midday trading Asian markets surge overnight with Korea, Hong Kong and Taiwan each up over...

Tuesday, January 26, 2021

When approaching the latter part of life, it is easy to get caught up in achieving every goal on your bucket list. Individual lists vary widely, but often are filled with wild adventures like skydiving and scuba diving in the Great...

Tuesday, January 26, 2021

Most people who decide to purchase stocks, bonds, mutual funds, or other investment vehicles do so understanding that there are risks associated with investing, but believing that the potential growth they may realize over time...

Tuesday, January 26, 2021

Having a good credit score doesn't just get you the best interest rates. It can also reduce your auto insurance premiums, allow you to avoid security deposits, and in some cases, even help you get hired.1 But what goes into your credit...

Tuesday, January 26, 2021

Small Caps Still Strong Small cap stocks have outperformed large cap stocks and breadth continues to improve. Earnings are expected to surge this year. LPL Research continues to maintain a neutral small caps view—but with a...

Wednesday, January 20, 2021

Stocks open higher following the long weekend US stocks rise as investors await US Treasury Secretary Janet Yellen’s stimulus pitch to Congress. Bond yields are higher. European markets are mixed in early trading. Asian stocks...

Tuesday, January 12, 2021

2021 Policies Update and the Markets In this week’s Market Signals podcast and video, LPL Research talks about 2021 policy updates and the possibilities of higher taxes and more regulation, more stimulus, higher Treasury yields,...

Tuesday, January 5, 2021

After months of intense debate, the House and Senate voted to pass a second COVID-19 economic stimulus bill and the President has signed it into law.1 At a total cost of $900 billion, this 5,600-page bill[1] contains everything from...

Wednesday, December 30, 2020

For investors approaching retirement, it is important to begin thinking about retirement income planning. This involves a mindset shift from accumulating an investment portfolio designed for growth to creating a portfolio of retirement...

Wednesday, December 30, 2020

Only one-in-four Americans (27%) feel very confident that they will have enough money to live comfortably when they retire, according to the 2020 Retirement Confidence Survey Summary Report.⁠11 While the number is up slightly from the...

Wednesday, December 30, 2020

While the 2020 tax year saw some significant changes to filing deadlines due to the effects of the global pandemic, the 2021 tax season seems to be set to be on track with normal filing deadlines. With the pandemic still in sight, it...

Wednesday, December 30, 2020

Whether buying car insurance for the first time or reviewing your current policy, consumers need to understand the different types of automobile insurance coverage. Auto insurance policies consist of a variety of different elements,...

Wednesday, December 30, 2020

Solid holiday shopping season. Holiday sales grew 3%, beating forecasts for a 2.4% increase according to MasterCard’s SpendingPulse. Online sales rose 49% year over year. These results were impressive for a recessionary...

Tuesday, December 15, 2020

Stocks open firmly higher. US markets opened higher following the emergency-use approval of the Pfizer-BioNTech COVID-19 vaccine. Fiscal stimulus discussions are ongoing, but there have been no major developments. European markets are...

Tuesday, December 8, 2020

More than most years, it’s hard to look ahead to the next year, to 2021, without looking back at 2020. A global pandemic, a massive economic collapse, a bear market, a surprisingly sharp reversal, a hotly contested election where...

Wednesday, December 2, 2020

COVID-19 May Threaten the Recovery The stock market doesn’t appear fazed by the recent increase in COVID-19 outbreaks, but underlying economic data is beginning to reflect the latest government and consumer shutdowns. LPL...

Tuesday, December 1, 2020

New Year's is traditionally the time to review your life and make resolutions for change. In addition to thinking about working out, eating healthy, and meeting personal and professional goals, you should also think about your finances...

Tuesday, December 1, 2020

Financial wellness, like physical wellness, isn’t something you should ignore. Instead, it's a critical concept for anyone who wants to be knowledgeable and confident about their finances, and in fact, financial wellness is so...

Tuesday, December 1, 2020

The COVID-19 pandemic put quite a crimp on large parties or even smaller gatherings in close quarters, and now, holiday gatherings and events are likely to look very different in 2020. But different doesn't necessarily mean bad, and...

Tuesday, December 1, 2020

If you’re looking for way to save money as you head into 2021, there are a few ways that can potentially cut costs around your household, without having a major impact on your lifestyle. Read on for three ways you can trim some...

Wednesday, November 25, 2020

COVID-19 cases have been rising in several regions around the world, prompting many countries to implement new restrictions to curb the spread of the virus. Governments in a few European countries have rolled out what has been dubbed...

Wednesday, November 18, 2020

It took more than two years, but small caps finally broke out to new highs, as the Russell 2000 Index on Friday closed at its first new high since August 31, 2018. This capped off one of the longest stretches ever without a new high....

Wednesday, November 11, 2020

Dear Valued Investor: Former Vice President Joe Biden has been elected the 46th President of the United States, defeating President Donald Trump in a tight race and bringing an end to the highly contested 2020 election. The new...

Wednesday, November 4, 2020

November 4, 2020 Dear Valued Investor: 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...

Monday, November 2, 2020

2020 has been one of the most unprecedented years in recent history, but some things—like tax contributions and retirement deadlines—don't change much, if at all. And with the uncertainty surrounding just about everything,...

Monday, November 2, 2020

Retirement is the time in your life when you want to sit back, relax, and enjoy the fruits of years of hard work. But unfortunately, when the market is volatile, it may bring additional anxiety and stress. The good news is, a volatile...

Monday, November 2, 2020

Last year, the average American spent nearly $1,000 per person on holiday gifts, up from about $885 per person in 2018.1 Though the COVID-19 pandemic continues to weigh on the retail sector (and many Americans' bank accounts), some...

Wednesday, October 28, 2020

Market Blog With the election only eight days away and earnings season in full swing, stocks have bucked the usual October weakness during election years so far in 2020 (Monday’s losses notwithstanding). The good news is this...

Tuesday, October 20, 2020

US equities look to rebound from Monday’s selloff. The S&P 500 Index opened higher this morning after lack of progress on stimulus talks contributed to broad-based losses Monday. Investors may start looking ahead to a...

Wednesday, October 14, 2020

Daily Insights Stocks open slightly lower as earnings season begins. Once launched by Alcoa, the unofficial start to earnings season now begins with several financial firms reporting. The S&P 500 Index opened slightly weaker Tuesday...

Wednesday, October 7, 2020

Index Performance View expanded table. View expanded table. View expanded table. US and International Equities The S&P 500 Index gave back some gains in September after a strong five-month run, with most sectors finishing in the red....

Monday, October 5, 2020

As the saying goes, "50 is the new 40"—and with Americans living longer than ever before, it's not unusual for those in their 50s, 60s, or even 70s to be in their peak earning years.1 But for those who would prefer the option of...

Monday, October 5, 2020

Nearly one in three U.S. adults serves as the primary caregiver to a relative or other close loved one.1 With respite facilities throughout the country closed or operating on restricted hours as a result of the COVID-19 pandemic, many...

Monday, October 5, 2020

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) are designed to help you save money on medical costs by giving you access to a special savings account with tax benefits. Although these plans are very similar, they...

Monday, October 5, 2020

By the last third of the calendar year, you're likely to have a pretty good idea of what your annual income will be and whether any major expenses or big life changes await you. This can allow you to engage in more robust tax planning,...

Tuesday, September 29, 2020

The first presidential debate is tonight, September 29, with millions of people expected to tune in to see how each candidate handles the pressure. With tensions heightened amid an election that may be much closer than the polls...

Monday, September 21, 2020

We check in again today on some of the real-time economic data that LPL Research is monitoring to provide timely and valuable insights into the state of the US economy. Traditional economic data is often reported too slowly to pick up...

Wednesday, September 16, 2020

Global stocks look to rally. Most major Asian indexes were higher overnight following strong data on Chinese industrial activity and retail sales, although Japan’s Nikkei lagged. The Euro Stoxx 600 is higher at midday. The S&P...

Wednesday, September 9, 2020

Economic Blog In the recent LPL Market Street View video, LPL Financial’s Chief Market Strategist Ryan Detrick discusses why the recession is likely over, making it one of the shortest recessions ever. Some reasons discussed...

Tuesday, September 8, 2020

Saving for a high-net-worth retirement is not always an easy process, but necessary if an investor with a high-net-worth wishes to enjoy the same lifestyle they were accustomed to while they were working. So how does one maintain their...

Tuesday, September 8, 2020

Many of you already have estate documents, probably executed many years ago. You need an estate attorney to look over your documents every 10 years or so. Here are a dozen points to review. Do you have a will and powers of attorney for...

Tuesday, September 8, 2020

On the one hand, there is [fill in the blank]; but on the other hand, there is… Starting with the last week in July and for the first three weeks of August, investors celebrated that the S&P 500 had advanced for four consecutive...

Tuesday, September 1, 2020

This Sunday, Warren Buffett turns 90 years young. “What can we say about one of the greatest investment minds that hasn’t already been said?” asked LPL Financial Chief Market Strategist Ryan Detrick. “We...

Monday, August 24, 2020

With the new school year fast approaching, and coronavirus cases still continuing to rise many parents are growing concerned about what the upcoming school year will look like. For some schools, in-person learning is expected to happen...

Tuesday, August 18, 2020

As the COVID-related economic weakness that characterized the first half of the year subsides, growth has begun to return as trillions in fiscal stimulus have helped to stabilize consumer spending. Against a backdrop of improving labor...

Wednesday, August 12, 2020

As election season heats up, we are often presented with questions regarding market returns based on the political party composition of the White House and Congress. In our Election Preview Weekly Market Commentary, we took a closer...

Wednesday, August 5, 2020

Economic Blog The 10-year Treasury yield is historically low, so low that it could climb a full 1% before the end of the year and still be the lowest year-end yield on record, with room to spare. Historically low rates come with a...

Wednesday, July 29, 2020

Economic Blog After carving out the first part of a “V-shaped” recovery, the US economy has leveled off somewhat in response to the latest wave of COVID-19 infections. In this week’s Weekly Market Commentary: Stalling...

Wednesday, July 22, 2020

While the 10-year Treasury yield has traded in a narrow range since early April, the equivalent real yield, represented by the yield on 10-year Treasury inflation-protected securities (TIPS), has continued to fall and could go lower....

Wednesday, July 15, 2020

AT THE MIDPOINT of 2020, we’re mindful that it’s been an extremely challenging year so far in the United States and around the globe. We’re in the midst of a pandemic that continues to impact all of us, our...

Wednesday, July 8, 2020

The Bloomberg Barclays US Aggregate Bond Index posted a solid total return of 2.9% in the second quarter of 2020, its eighth consecutive quarterly gain, and a relatively strong quarter for the broad investment-grade bond index...

Tuesday, July 7, 2020

Financial Planning Update Subtract Inflation and It All Adds UpSome of us may remember the “good old days,” when gasoline prices were as low as 25¢ per gallon. Others may recall when a can of soda cost 15¢. But...

Wednesday, July 1, 2020

Market Blog What a quarter the second quarter was, with the S&P 500 Index adding 20.0%, for the best quarter since 1998 and the best second quarter since 1938. Of course, stocks fell 20% in the first quarter, so what we really have is...

Tuesday, June 23, 2020

Market Blog The US economy has made impressive progress in recent weeks. As the economy re-opens, the way we assess the recovery has changed. In March and April, we were looking for evidence that growth in COVID-19 cases was...

Tuesday, June 16, 2020

The yield on the 10-year Treasury yield has been broadly declining since the early 1980s, when it peaked over 15%, but even over that long decline there have been intermittent periods of rising rates. In fact, after periods of...

Tuesday, June 9, 2020

Market Blog In probably one of the least surprising economic calls of all time, the Nation Bureau of Economic Research (NBER) officially declared an end to the longest expansion ever and the start of a new recession. As shown in the...

Tuesday, June 2, 2020

Market Blog 2020 is only five months old, but in many ways it is one of the most historic years we’ve ever seen. “2020 went from moving along nicely, to seeing the worst recession in a generation and the fastest bear market...

Thursday, May 28, 2020

We are experiencing the biggest remote work experiment in history – but many are beginning to imagine life after lockdown. Amid unprecedented global job losses, concerns about transport infrastructure and the continuing need for...

Wednesday, April 22, 2020

With businesses around the country reducing their in-office staff to essential personnel only—in some cases, literally overnight—many remote workers found themselves setting up a full home office on short to no notice. But...

Monday, April 6, 2020

In late March 2020, as the number of novel coronavirus cases in the U.S. surged past 100,000, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed into law.1 The CARES Act provides around $2.2 trillion in aid to...

Monday, March 30, 2020

With the rapid spreading of COVID-19, and more and more people either on self-quarantine or practicing social distancing, many of us are working from home. While working from home definitely has its perks – no commute! –...

Monday, March 30, 2020

On March 20, 2020, the Department of Education announced terms for student loan relief for tens of millions of borrowers in response to COVID-19.1 Here are answers to some questions about the new rules. For more information and to...

Monday, March 30, 2020

You don’t need to file by April 15th and you should think about the benefits The U.S. Department of the Treasury is delaying the April 15th deadline to file and pay taxes by 90 days, giving individuals and businesses another 3...

Monday, March 30, 2020

The United States has more cases of the coronavirus than any other country, and in an attempt to stop the spread of this disease, states have closed schools and businesses throughout the country. These unprecedented shutdowns have...

Wednesday, March 18, 2020

Market Blog The market volatility continues, as the S&P 500 Index has closed either up or down 4% or more for a record 7 consecutive days. With the S&P 500 Index down 30% from the highs, it has officially moved into a bear market....

Tuesday, March 10, 2020

Dear Valued Investor: The tough times that global markets were experiencing due to the spread of COVID-19 (coronavirus) worsened this past weekend as a price war between Saudi Arabia and Russia resulted in sharply declining oil prices....

Thursday, March 5, 2020

Times to call your financial advisor Most of us go to see professionals when we’re in trouble or during times of crisis. Think about it. We go to the doctor when we’re sick. We go see a lawyer when we have a pending legal...

Wednesday, March 4, 2020

As temperatures warm up, trees begin budding, and the days get longer, you probably throw open your windows and think about spring cleaning your home. As you tackle washing windows, cleaning carpets, and sorting out the garage,...

Wednesday, March 4, 2020

Market Blog In a move in which the timing was more compelling than the decision itself, the Federal Reserve (Fed) announced this morning that it unanimously decided to cut its policy rate by 50 basis points (0.5%) from the 1.5-1.75%...

Monday, March 2, 2020

Market Blog Last week was one of the worst in the history of the stock market, with the S&P 500 Index losing more than 11%, for its worst week since October 2008. Sparking the fear and selling were concerns over COVID-19 or the...

Monday, March 2, 2020

When you invest in the stock market, you want to see growth, but unfortunately, in most cases, investments do not grow all the time. Inevitably, the market goes up and down, and to safeguard your potential for long-term growth, you...

Friday, February 28, 2020

February 28, 2020 Dear Valued Investor: “The stock market takes an escalator up, and an elevator down,” is a classic Wall Street saying. The last week has sure felt like taking an express elevator down, as the end of...

Wednesday, February 26, 2020

It’s no surprise that uncertainty around the impact of coronavirus (or Covid-19) has led to increased buying pressure in longer-maturity U.S. Treasuries, pushing yields lower, but the strength of the move has been unusual. While...

Wednesday, February 19, 2020

Stock markets modestly lower after renewed coronavirus concern. Apple’s announcement that the coronavirus would impact sales had international markets striking a cautious tone overnight, with the technology sector getting much...

Wednesday, February 12, 2020

The financial media returned to a favorite topic in the last week, yield curve inversion, but we caution against getting caught up in the building frenzy. The Treasury yield curve inverts when short-term interest rates move above...

Wednesday, February 5, 2020

Economic Blog The 10-year U.S. Treasury yield moved to within .05% of its recent low on Friday, January 31, approaching the 1.47% mark set back in August 2019. Prospects of stabilizing global growth and progress on trade encouraged...

Tuesday, February 4, 2020

"Time is money." -- Benjamin FranklinBenjamin Franklin may not have been referring to the effect of time on money accumulating in an employer-sponsored retirement plan, but his words certainly ring true to today's investor. That's...

Friday, January 31, 2020

The Super Bowl Indicator suggests stocks rise for the full year when the Super Bowl winner has come from the original National Football League (now the NFC), but when an original American Football League (now the AFC) team has won,...

Wednesday, January 29, 2020

Market Blog Fears that the deadly coronavirus would spread further around the globe intensified Monday and led to the biggest one-day drop in the S&P 500 Index since October 8, 2019. In fact, it was the first time the index moved 1%...

Wednesday, January 22, 2020

ECONOMIC BLOG As the economic expansion caps its first decade, we thought it’d be a good time to check on LPL Research’s leading indicators in our Recession Watch Dashboard. As you can see in our latest update and in the...

Wednesday, January 15, 2020

Consumer inflationary pressures grew at a healthy, but manageable rate in December 2019. The core Consumer Price Index (CPI), which excludes food and energy, rose 2.3% year over year last month, around the fastest pace of the economic...

Tuesday, January 14, 2020

The largest overhaul to retirement plans since 2006 is complicated The Setting Every Community Up for Retirement Enhancement Act of 2019 – the SECURE Act – passed the House of Representatives earlier this year and was...

Tuesday, January 7, 2020

Insurance is an important element of any sound financial plan. Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death. What Are Your Insurance...

Tuesday, January 7, 2020

The U.S. airstrike that killed the top Iranian military commander last week was a major escalation in Mideast tensions. In fact, it would be difficult to overstate the geopolitical significance of this action. Iran likely will...

Thursday, January 2, 2020

There are many prescriptions to get to financial health. Here are four proven strategies to help you get there. Setting and sticking to a budget In 2017, 78% of Americans said they were living paycheck to paycheck, up from 75% three...

Thursday, January 2, 2020

Retirement is inevitable, but knowing exactly when to do so is often unclear. No matter when you actually begin your retirement, you’ll benefit from planning your post-work life as early as possible. According to Gallup, the...

Thursday, January 2, 2020

Americans, it seems, are spenders. Personal savings rates are low and many people spend beyond their means. If you're among those Americans who can't seem to save, it might be time to create a budget. A budget allows you to understand...

Thursday, January 2, 2020

Whether you’re 23 or 35, it’s important to know whether you are saving enough for your retirement. There is no time like the present to ensure you are allocating enough funds to your retirement account. With folks routinely...

Tuesday, December 17, 2019

Economic BlogDecember 17, 2019 December has been widely viewed as a strong month for stocks, with this year following suit so far. What many probably don’t realize, however, is the majority of the gains have taken place late in...

Wednesday, December 11, 2019

The Federal Reserve’s (Fed) final policy meeting of 2019 starts today and will conclude tomorrow with the release of the Fed’s policy statement, updated economic projections, and a press conference by Fed Chair Jerome...

Monday, December 9, 2019

Money. It's hard to get and easy to lose. It doesn't take long for the wealth you've accumulated to disappear if you don't manage your money well or have a plan to protect your assets from sudden calamity. Snares like the ones...

Tuesday, December 3, 2019

Hindsight is 20/20, but finding clarity in future uncertainty can be fuzzy. AT LPL RESEARCH, as we look forward to the year 2020 and a new decade, some key trends and market signals will be important to watch, including progress on U...

Monday, November 25, 2019

An individual retirement arrangement (IRA) is a personal retirement savings plan that offers specific tax benefits. In fact, IRAs are one of the most powerful retirement savings tools available to you. Even if you're contributing to a...

Tuesday, November 19, 2019

“We’re going streaking!” Frank The Tank in Old School As the bull market continues to make new highs, the past few weeks have seen some amazing market streaks. Here are three that have caught our attention. The S&P...

Wednesday, November 13, 2019

The S&P 500 Index has closed higher five consecutive weeks, making six new all-time highs along the way. There now have been 19 new highs in 2019, tying the number we saw last year. There’s no doubt that this bull market has been...

Wednesday, November 6, 2019

“An object in motion tends to remain in motion along a straight line unless acted upon by an outside force.” Sir Isaac Newton What a year it has been for the bulls. The S&P 500 Index recently made four more new highs, and...

Wednesday, October 30, 2019

The Federal Reserve Bank (Fed) is widely expected to cut interest rates on Wednesday, October 30, which would be the third cut this year after nine consecutive hikes. The current fed funds rate target is 1.75–2%, with a 25 basis...

Monday, October 28, 2019

There is a good possibility that you or your spouse will eventually require some form of long-term care (LTC). According to the Centers for Medicare & Medicaid Services, at least 70% of people aged 65 or older will require some form...

Wednesday, October 23, 2019

The United Kingdom’s (U.K.) withdrawal from the European Union (E.U.), or Brexit, is stumbling along, and another delay looks increasingly likely. The U.K. Parliament’s “Super Saturday” voting session last...

Thursday, October 17, 2019

What does fantasy football have to do with investing? It teaches you to avoid Nick Foles-like fund money managers, whose one-time Super Bowl achievements often decline the following year. And it might also suggest that you avoid Tom...

Wednesday, October 16, 2019

The debate over the United Kingdom’s (U.K.) withdrawal from the European Union (EU), or Brexit, is reaching another milepost in what could be an action-packed week. Talks between the U.K. government and the EU have entered...

Tuesday, October 15, 2019

Summer has turned to fall, and there’s already a little chill in the air. Three-quarters of the year is behind us now, and both stock and bond markets have had a strong year so far, although we expect to see regular — but...

Wednesday, October 9, 2019

“The economy, stupid” — Phrase campaign strategist James Carville used to help Bill Clinton get elected in 1992. As Carville noted ahead of the 1992 election, the recession in 1990 and 1991 was top of mind for many...

Thursday, October 3, 2019

As the traditional giving season approaches, there is one important item to add to your to do list: Create a holiday budget. Before the gift shopping and wrapping begins, take control of your wallet through financial preparation....

Thursday, October 3, 2019

If you're new to investing, you may encounter some unfamiliar jargon. Understanding the following terms may help you become a more confident investor. Portfolio An investment portfolio is a collection of investments owned by an...

Wednesday, October 2, 2019

U.S. manufacturing activity fell to a 10-year low, dragged down by a weakening global economy. The Institute for Supply Management’s (ISM) Purchasing Managers’ Index (PMI) fell to 47.6 in September, the lowest level since...

Wednesday, September 25, 2019

As shown in the LPL Chart of the Day, the 10-year Treasury yield jumped 34 basis points (0.34%) in the week ending September 13, then gave back half that gain in a 17 basis point (0.17%) slide last week. The benchmark yield...

Thursday, September 19, 2019

“History does not repeat itself, but it rhymes.” Mark Twain As expected, the Federal Reserve’s (Fed) policy committee cut its policy rate by 25 basis points (.25%) to a target range of 1.75%–2%. This comes on...

Wednesday, September 18, 2019

Consumer inflation has accelerated recently, bucking disinflation and deflation concerns that had permeated financial markets earlier this year. In August, the core Consumer Price Index (CPI) increased at least 0.3% for a third...

Wednesday, September 4, 2019

First and foremost, our thoughts are with all of those that were impacted by Hurricane Dorian over the Labor Day holiday and all those that are still in its path. Many have asked us what stocks tend to do after a major hurricane hits...

Tuesday, September 3, 2019

Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. It's useful to have strategies in place that prepare you both financially and psychologically to handle market volatility. Here are...

Wednesday, August 28, 2019

Business investment remains a critical component for this economic expansion. Capital expenditures (capex) drive productivity gains (more output per hour worked), which enables economic growth while keeping inflation contained. That...

Wednesday, August 28, 2019

According to the National Association of Women Business Owners, there are 11.6 million women-owned businesses, employing nearly 9 million people and generating $1.7 trillion in sales in 2017.1 Many of these businesses started small,...

Wednesday, August 28, 2019

Each generation, it seems, strives to distinguish itself from the former generation. Trendy hairstyles, funky fashion, special slang, alternative lifestyles, and even different ideals are eagerly adopted in an effort to differentiate...

Wednesday, August 14, 2019

Consumer inflation has surged back after a strong quarter of U.S. consumer demand. As shown in the LPL Chart of the Day, Consumer Inflation Picks Up in July, the core Consumer Price Index (CPI), which excludes food and energy prices,...

Wednesday, August 7, 2019

U.S. stocks have hit another trade-induced summer storm. The S&P 500 Index fell 3% on Monday, its worst day since December 2018. The index is now about 6% from record highs in U.S. stocks’ worst bout of volatility since May. As...

Wednesday, July 31, 2019

It could be a momentous week for U.S. monetary policy and the Treasury yield curve. The Federal Reserve (Fed) is expected to cut its policy interest rate for the first time in 10 years July 31. As shown in the LPL Chart of the Day,...

Tuesday, July 23, 2019

U.S. stocks have powered back to record highs, and they could benefit more from a relatively expensive fixed income market. As shown in the LPL Chart of the Day, Stocks Appear Historically Cheap Relative to Bonds, S&P 500 Index stocks...

Wednesday, July 17, 2019

Central banks are back in easing mode, to the dismay of coupon-clipping fixed income investors. As shown in the LPL Chart of the Day, Global Central Banks Back in Easing Mode, central banks around the world are embarking on a marked...

Wednesday, July 10, 2019

Social Security is a critical component of the retirement financial strategy for many Americans, so before you begin taking it, you should consider three important questions. The answers may affect whether you make the most of this...

Wednesday, July 10, 2019

As more Americans shoulder the responsibility of funding their own retirement, many rely increasingly on their 401(k) retirement plans to provide the means to pursue their investment goals. That's because 401(k) plans offer a variety...

Wednesday, July 10, 2019

Vacation homes require a special type of insurance--one that protects your vacation home but doesn't overlap with your already existing homeowners insurance coverage. Here are some things to consider when insuring your vacation home....

Wednesday, July 10, 2019

Everyone needs to determine their financial staying power Some life transitions, such as a career change or marriage, are planned, but a job loss or divorce can be sudden and unexpected. One common thread that accompanies all...

Wednesday, July 10, 2019

The June jobs report was solid. Nonfarm payrolls rose 224,000, according to data released July 5. As shown in the LPL Chart of the Day, Strong June Payrolls Gain Surprises Investors, the rise in jobs last month handily beat estimates...

Wednesday, June 26, 2019

The Federal Reserve (Fed) will likely cut rates at its next meeting in late July. This begs the question: Will the Fed really cut rates with stocks up so much year to date and near all-time highs? “It might sound strange for the...

Tuesday, June 25, 2019

We are pleased to announce the release of the LPL Research Midyear Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets, with investment insights and market guidance through the end of 2019. LPL Research...

Wednesday, June 19, 2019

U.S. stocks could have a big year if LPL Research’s forecasts prove correct. All year, we’ve maintain our fair value target on the S&P 500 Index of 3,000, implying that we expect this bull market and economic expansion to...

Wednesday, June 12, 2019

Bonds have increasingly signaled that Federal Reserve (Fed) policy may be too tight for an economy tied up in a drawn-out trade dispute. As shown in the LPL Chart of the Day, “Bond Market Increasingly Pricing in Rate Cuts...

Monday, June 10, 2019

"How did it get so late so soon?" -- Dr. Seuss Dr. Seuss's whimsical take on life has been delighting children of all ages for generations. His simple but powerful words continue to resonate today, even in the context of planning for a...

Monday, June 10, 2019

It's generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven't given your plan a thorough review within the last 12 months, now may be a...

Monday, June 10, 2019

After years of saving and investing, you can finally see the big day -- retirement. But before kicking back, you still need to address a few matters. Decisions made now could make the difference between your money outlasting you or...

Monday, June 10, 2019

The backyard pool can be great summer fun, but it can also be a source of danger for children. Every year hundreds of children fatally drown. In fact, drowning is the leading cause of preventable death among children ages 1-4.¹,...

Monday, June 10, 2019

These crucial years call for action. Today, retirement may seem nearer to you than it once did. The following moves might be worth making—and soon. Catch-up contributions to your retirement accounts. Starting in the year you turn...

Monday, June 10, 2019

Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic rules can help you make smarter choices regardless of whether you...

Monday, June 10, 2019

Thinking about the need and the costs of long-term care is enough to make anyone uncomfortable. But while it's a difficult subject to talk about, it's also a topic that often generates lots of questions and misunderstanding. Consider...

Monday, June 10, 2019

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and...

Monday, June 10, 2019

Every year, millions of Americans celebrate the holidays with traditions such as throwing parties and buying gifts for family and friends. Unfortunately, many also participate in a tradition that lands them in debt -- spending more...

Wednesday, June 5, 2019

Long-term Treasury yields’ rapid decline has been one of the most baffling market developments of 2019. As shown in the LPL Chart of the Day, the 10-year Treasury yield fell 38 basis points (0.38%) in May, its biggest monthly...

Wednesday, May 29, 2019

With the bull market 10 years old and the economic cycle about to reach 10 years, the big question is how much longer can it go? To answer this question we will take a closer look at our Five Forecasters for late-cycle warnings....

Wednesday, May 22, 2019

The S&P 500 Index has officially gained each of the first four months of the year for the first time since 2013. This comes on the heels of the best first quarter since 1998. Six straight months in green has been the best monthly win...

Wednesday, May 15, 2019

As we noted yesterday, the recent bout of volatility has caught many investors off guard. However, we’ve been saying since late March that some type of normal correction could happen, and we’ve taken a more cautious stance....

Wednesday, May 8, 2019

Diversified investors were the big winners in the first four months of this year. As shown in the LPL Chart of the Day, both stocks and bonds have posted strong rallies through the first four months of this year, thanks to increased...

Monday, May 6, 2019

The odds of winning the lottery are astronomically long. Yet, the allure of pocketing hundreds of millions of dollars can tempt even the staunchest penny pincher. While there's no harm in playing your lucky numbers every now and again,...

Monday, May 6, 2019

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what...

Monday, May 6, 2019

Why do most avoid this important investment? Why do so many of us not use our vacation days? Salespeople talk about “leaving money on the table.” Well, employees leave vacation on the table. And the cost to us is...

Friday, May 3, 2019

It seems, sometimes, as though financial professionals come in only two flavors. There are those who promise everything is going to be fine; you don't have to fret about retirement, they say, because they'll help you make more than...

Friday, May 3, 2019

How long might you live in retirement? Think carefully. Your answer could influence whether you have enough money for a comfortable retirement or just scrape by. According to pension mortality tables, at least one member of a...

Thursday, May 2, 2019

One extracurricular activity that every student can master while in college is personal money management. Typically, a student’s daily spending is done on an improvised basis, meaning that overspending is often the norm rather...

Thursday, May 2, 2019

At some point in your life, you probably have heard about the importance of developing a budget. But, why is a budget so important? Perhaps you simply spend what you must and save whatever’s left over. Or, perhaps you spend all...

Wednesday, May 1, 2019

One of the most popular investment axioms is about to take over the airwaves: “Sell in May and Go Away.” That’s because the upcoming six months(from May until the end of October) have historically been the weakest...

Tuesday, April 30, 2019

It's generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven't given your plan a thorough review within the last 12 months, now may be a...

Wednesday, April 24, 2019

After more than seven months, the S&P 500 Index notched a fresh all-time closing high of 2,933.68 on April 23. To get here, investors have weathered back-and-forth in trade negotiations, a historic government shutdown, unrelenting...

Wednesday, April 17, 2019

After such a strong rally this year, you may be wondering what could drive stocks higher from here. With the S&P 500 Index near its all-time high, a lot of good news could be priced in to stocks. At the same time, disappointments could...

Wednesday, April 10, 2019

After the best first quarter for the S&P 500 Index since 1998, the big question is: What happens next? We’ve already discussed why a good start to a year could lead to more gains (here and here), but today we will take a look at...

Tuesday, April 9, 2019

You can buy insurance for practically anything these days. Planning a vacation to France? Your airline, travel agent or even hotel will likely offer trip insurance in case you need to change your dates or cancel. Going to the casino?...

Tuesday, April 9, 2019

Waiting in a winding airport security checkpoint line is just one of many potential headaches today's travelers experience. Worrying about what to pack, what kind of identification is required, and how much cash to bring are yet...

Tuesday, April 9, 2019

If your family relies on your income, it’s critical to consider having enough life insurance to provide for them after you pass away. But too often, life insurance is an overlooked aspect of personal finances. In fact, according...

Wednesday, April 3, 2019

What a start to 2019! The S&P 500 Index had its best first quarter since 1998—gaining 13.1%. Taking a deeper look at the data reveals another rare occurrence: The S&P 500 was higher each of the first three months of the year for...

Friday, March 29, 2019

Investing in your own business makes sense; many businesses achieve significant growth each year. However, when you consider that many small businesses fold every year, it becomes clear that banking your retirement solely on the...

Wednesday, March 20, 2019

After dropping nearly 20% late last year, the S&P 500 Index has officially bounced up more than 20% from the December 24 lows. As we noted at the time, most bear markets that take place in a non-recessionary environment tend to bottom...

Friday, March 8, 2019

More women are working and taking charge of their own retirement planning than ever before. What does retirement mean to you? Do you dream of traveling? Pursuing a hobby? Volunteering your time, or starting a new career or business?...

Thursday, March 7, 2019

If you have a refund check coming your way, consider using it to bolster your personal balance sheet. The average refund is usually around $3,000, and most people receive the money within three weeks of filing their returns. That's a...

Thursday, March 7, 2019

In case you haven't noticed, it's tax time again. You have your 1040 package, your W-2, and various 1099 forms. And, with April 15th fast approaching, it is time to get down to business. A glance at the following questions and answers...

Tuesday, March 5, 2019

The combination of investments you choose is as important as the individual investments themselves. In fact, many experts argue that it's even more important, since the mix of various types of investments accounts for most of the ups...

Wednesday, February 27, 2019

BACKGROUND The Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA) was a sweeping piece of legislation that significantly changed the federal gift and estate tax and the GST tax for the years 2001 through 2010. The...

Wednesday, February 27, 2019

After gaining 7.8% in January, the S&P 500 Index has added another 3.3% so far in February for a grand total year-to-date return of 11.4%. With two days to go, currently this is the best first two months of the year since 1987. As we...

Wednesday, February 20, 2019

Economic data have consistently missed expectations recently as investors and Wall Street have struggled to quantify the impact of global trade and political risks. As shown in the LPL Chart of the Day, the Bloomberg U.S. Economic...

Friday, February 15, 2019

1. WHAT IS LONG-TERM CARE? Long-term care refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. There are three levels of long-term care: Skilled care: Generally...

Wednesday, February 13, 2019

“Bulls make money, bears make money, and pigs get slaughtered.” Old Wall Street saying. The Chinese New Year (often called the Lunar New Year) kicked off Tuesday, February 5, and with it came the Year of the Pig. Although...

Wednesday, February 6, 2019

Diversified investors just capped one of their best months of the current economic cycle. In January, the S&P 500 Index posted its biggest monthly gain since October 2015. At the same time, the Bloomberg Barclays Aggregate Bond Index...

Wednesday, January 30, 2019

Daily Insights Fed day. All eyes are on the Federal Reserve’s (Fed) interest-rate announcement and press conference today for signals on future policy after a volatile December. Fed fund futures are pricing in about a 70%...

Tuesday, January 29, 2019

The Super Bowl indicator suggests that stocks rise for the full year when the Super Bowl winner comes from the original National Football League (now the NFC), but when an original American Football League (now the AFC) team wins,...

Monday, January 28, 2019

One study found that 43% of cyber attacks target small business, and 60% of small companies go out of business within six months of a cyber attack.¹ Business owners are also required to protect their customers’ personal...

Wednesday, January 23, 2019

Recent U.S. economic data have been sending a lot of conflicting signals, and Wall Street’s economic outlook is more clouded than at any point of the cycle. Because of this, we thought we’d provide some direction from Main...

Thursday, January 17, 2019

We are pleased to announce the release of the LPL Research Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets, filled with investment insights and market guidance for the year ahead. After nearly 10 years of...

Wednesday, January 16, 2019

Yesterday’s U.K. Parliament vote was another bump in the road for Brexit. As shown in the LPL Chart of the Day, the British pound and the euro have steadily declined over the past few months, weighed down in large part by...

Tuesday, January 15, 2019

Most Americans know the fundamentals of good health: exercise, proper diet, sufficient sleep, regular check-ups, and no smoking or excessive alcohol. Yet, despite this knowledge, changing existing behaviors can be difficult. Look no...

Friday, January 11, 2019

This modern twist on the Ben Franklin maxim reflects the multiplicity of taxes to which earnings are subject in today’s world.¹ Finding ways to manage expenses is one of the cornerstones of a sound financial strategy. Here...

Wednesday, January 9, 2019

Stocks have rebounded strongly off the December lows, with the S&P 500 Index adding 2% in January to its 7% gain over the last week of 2018. We see potential for further gains ahead given the fundamentals supporting economic growth and...

Tuesday, January 8, 2019

Conventional wisdom says that what goes up, must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when it's your money at stake. Though there's no foolproof way to handle the ups and...

Wednesday, January 2, 2019

Recent Federal Reserve (Fed) rhetoric has spooked financial markets, especially as uncertainty has clouded investors’ horizons. But we still believe the fundamental U.S. economic landscape is compelling, and despite market...

Friday, December 28, 2018

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what...

Friday, December 28, 2018

As days turn into weeks and weeks turn into months, it may feel like there is little time to catch up on all of your financial responsibilities. Sometimes it may be easier to simply toss ATM receipts, credit card bills, and bank...

Friday, December 28, 2018

On Monday, the S&P 500 Index came about as close as possible to the technical definition of a bear market without officially registering one (defined as a 20% or larger decline based on closing prices). Enduring these sharp declines...

Monday, December 17, 2018

We are pleased to announce the release of the LPL Research Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets, filled with investment insights and market guidance for the year ahead. After nearly 10 years of...

Tuesday, November 20, 2018

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what...