Seven of the eleven sectors are reporting year-over-year earnings growth for the fourth quarter of 2024. In terms of revenues, 63% of S&P 500 companies have reported actual revenues above estimates, which is below the 5-year average of 69% and below the 10-year average of 64%.

Volatility in the financial markets is very common during presidential elections. Rising global tensions also contribute to markets volatility. If you’re investing long-term, you may want to avoid reacting to any short-term market

Shifting from an accumulation to a decumulation (or distribution) phase is done gradually. The process typically starts when you are 10 or less years away from your retirement. It starts by taking a certain percentage of your retirement

I help clients “cut through the marketing noise”. The advice is based on the latest research and material facts, not on opinions and advertisements. The advice is always goal oriented, evaluating each decision

“You will not have a quantum laptop. Think about it being something like an accelerator in the cloud for particular applications, whether they’re optimization applications, financial analysis, understanding molecular dynamics or chemistry,

This is also the reason you should carefully consider the financial recommendations given by financial pundits and TV personalities. Although general financial planning and investment practices might apply to everyone, specific financial and investment

There is an increasing demand from investors for Environmental, Social, and Governance (ESG) and Socially Responsible Investing (SRI) products. An increased need for sustainable investing,

Congress passed a series of new law, known collectively as the Securing a Strong Retirement Act 2.0* or simply Secure Act 2.0*. These laws are part of the $1.7 trillion spending bill Congress passed before

Stocks have had a volatile month of May. This is due mainly to the ongoing high inflation and fears that the Federal Reserve's efforts to control surging prices by

The Federal Reserve's (Fed) ongoing quantitative easing (QE) policies have significantly altered the investment environment. QE essentially increases the money supply which allows interest rates to fall, encourages landing and

With the economy emerging from recession, the November elections behind us, and hope rising from the COVID-19 vaccine rollout, many investors look forward to 2021. While the S&P 500 hit record highs in 2020, interest rates are near record lows

The current market and economic conditions are examples of why I stress financial planning as the cornerstone of any investment decision, retirement plan and business continuity strategy. Trying to time the market is nearly

Sustainable investing has risen in popularity among socially and environmentally conscious investors. “Sustainable Investing” is a term for investments that seek long-term returns and long-term impact on society, environment, and the performance of the business. They include Impact Investing, Socially

I have been talking to my clients about expected recession since 2018 and, with a long-term approach in our minds, re-positioning their assets accordingly. The most recent* forecast published by S&P Global, confirms these expectations.

The term, “settling an estate” is a term used to refer to the process of gathering up all the decedent’s assets and paying off the last bills, taxes and creditors, and then transferring the remaining assets to heirs and beneficiaries.

The SECURE Act* — which stands for “Setting Every Community Up for Retirement Enhancement” — including several provisions intended to strengthen retirement planning and retirement security took effect January 1, 2020.

Mutual funds and annuities can each play an important role in a financial plan. They are different types of investments designed to accomplish different financial objectives. Costs, investment control, income guarantees and tax* efficiency are

Diversification is a strategy that reduces risks specific to company and industry (e.g., business and financial risks). It’s important to remember that no matter how diversified your portfolio is, risk cannot be eliminated completely. A well-balanced portfolio reflects the

We all understand the important role college can play in helping our children realize their dreams. Some statistics show that college graduates earn 74% more than high school graduates. The college graduates also have higher job

Life insurance is a critical component of sound financial planning, and yet life insurance is one of the hardest financial products to understand. Some financial planners advocate permanent life insurance policies with cash value components. Others