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%.

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

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 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

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

Short-term thinking almost always leads to poor investment decisions. Too often, investors get out of the market during difficult times, only to get back in after the market has rebounded. This tendency to essentially buy high and sell low

Roth contributions to 401(k) and 403(b) retirement plans became available on January 1, 2006. Unlike traditional, before-tax contributions, Roth contributions come from income that has already been taxed. That means qualified withdrawals from Roth accounts, including earnings, will be free from federal

Some of the most common mistakes related to 401k accounts are taking a loan against 401k, cashing your current or old 401k account or using inappropriate investment vehicle for your 401k assets.

The life change of retirement may be positive experience only if it is seen not as an end but as redirection of activities and interests. By all means plan for changes and for new beginnings. Always think creativity and involvement and don’t fall into