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Monday, December 5, 2022

Economic and corporate data support the initial strong reads on holiday retail sales despite the macro headwinds, reinforcing the idea that today’s consumer is in a better position than usual at this point in the business cycle....

Sunday, December 4, 2022

How far in advance do you plan vacations? A month at the very least, right? You’ve booked the flights and hotels, taken time off of work, gotten the kids out of school and looked forward to it from the moment you made the final...

Thursday, November 24, 2022

The popularity of 401(k) plans today is because they offer certain tax advantages to employers and employees. For employers to qualify to have 401(k) plans, they must meet specified fiduciary responsibilities. Managing these tasks is...

Tuesday, November 22, 2022

Recent inflation data has tempered expectations for future Federal Reserve tightening, including a potential peak in the terminal rate near 5.0% in May or June of 2023. While the market has welcomed this news, history suggests the path...

Friday, November 18, 2022

This holiday season, consider combining investment gains with social good via an approach called Impact Investing. This can include a focus on Environmental, Social and Governance investing (ESG), or Socially Responsible Investing (SRI)...

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Tuesday, November 15, 2022

The growth vs. value debate has been pretty one-sided in 2022, with value outperforming growth for a sustained period for the first time in almost 15 years. However, the debate is heating up as investors begin to consider whether the...

Monday, November 14, 2022

Most couples still make decisions together when they give money to charity – but it’s becoming less common...The Big IdeaWhile most U.S. couples make charitable giving decisions together, the share of joint decision-makers...

Tuesday, November 8, 2022

Midterm elections are upon us, with Election Day on Tuesday. Republicans are strongly favored to win the House, and the Senate is roughly a tossup. We believe either outcome would be market-friendly, although the bigger market driver...

Friday, November 4, 2022

State-mandated retirement plans result from legislation requiring employers to provide their employees with retirement savings opportunities. Businesses can comply with these laws by enrolling their employees into a state-sponsored...

Wednesday, November 2, 2022

In unpredictable economic times, many donors may be wary of making large donations of cash, even to charities they would otherwise like to support. Nonprofits are therefore increasingly encouraging donors to make gifts of non-liquid...

Tuesday, November 1, 2022

With a series of important economic indicators suggesting the economy is declining and inflation is finally decelerating, albeit very slowly, markets are beginning to factor in that the Fed may soon transition to a less aggressive...

Monday, October 24, 2022

First, a recession has an important technical definition that’s different than what many people think. Earlier this year when Gross Domestic Product (GDP) growth was negative, many were under the false impression that two consecutive quarte

Wednesday, September 28, 2022

After dropping the benchmark federal funds rate to a rock-bottom range of 0%–0.25% early in the pandemic, the Federal Open Market Committee has begun raising the rate toward more typical historical levels in response to high...

Wednesday, September 28, 2022

There are two fundamental ways that you can profit from owning bonds: from the interest that bonds pay, and from any increase in the bond's price. Many people who invest in bonds because they want a steady stream of income are...

Monday, September 26, 2022

The LPL Research Strategic and Tactical Asset Allocation Committee is increasing its recommended interest rate exposure in its tactical allocation from underweight to neutral. Now that interest rates have moved substantially higher, we...

Monday, September 19, 2022

Inflationary dynamics continue to surprise to the upside, and markets now expect the Fed to pursue one of its most aggressive rate hiking campaign in years. U.S. Treasury yields continue to move higher as well. We think we’ve...

Monday, September 12, 2022

Federal Reserve Chairman Jay Powell reiterated his warning that getting inflation under control will require some pain. Powell is likely making these warnings based on the arcane, clunky relationship between inflation and unemployment....

Monday, September 12, 2022

Bonds may not be as glamorous as stocks or commodities, but they are a significant component of most investment portfolios. Bonds are traded in huge volumes every day, but their full usefulness is often underappreciated and...

Monday, September 12, 2022

On May 4th, the Federal Reserve raised interest rates by 50 basis points and scaled back other pandemic-era economic supports, as it stepped-up its fight against the highest inflation we’ve seen in 40 years.“Inflation is...

Tuesday, September 6, 2022

The difficult 2022 for stocks may not get much easier because as we now wait for better news on the inflation front, we have to contend with a seasonally weak month of September. While we got some welcome news in Friday’s jobs...

Monday, August 29, 2022

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 22, 2022

Financial planning is unique for each person; no two financial plans look the same because everyone's life and personal goals are different. Regardless of what your goals are, financial planning can help you work towards achieving them...

Thursday, August 18, 2022

A 401(k) in-plan Roth conversion (also called an "in-plan Roth rollover") allows you to transfer the non-Roth portion of your 401(k) account into a designated Roth account within the same plan. The amount you convert is subject to...

Monday, August 15, 2022

QuestionI made after-tax contributions to my 401(k). When I retire, can I roll that money into a Roth IRA tax-free?AnswerYes.After-tax funds can be segregated from other funds in the account and transferred directly to a Roth IRA. In...

Monday, August 15, 2022

Investors cheered the two better-than-expected inflation reports last week, pushing the S&P 500 to 16% above its June 16 low and only 11% below its all-time high. After this rebound, the key question investors are asking is whether...

Monday, August 15, 2022

The financial professional and financial planning firm you pick to manage your assets and advise you on key financial decisions can affect your retirement and other major financial goals more, maybe, than even you. So it’s...

Monday, August 15, 2022

If the thought of reviewing your finances with the help of a financial professional strikes more fear into your heart than giving a public speech, you are not alone—two in every three Americans report regularly feeling stressed...

Friday, August 12, 2022

Peaks and valleys of the market probably give you fits about your investments in retirement savings accounts. Nobody can tell when Wall Street’s ups will peak and its lows bottom out, but you can protect yourself with patience...

Monday, August 8, 2022

Qualified cash or deferred arrangements (CODAs) permitted under Section 401(k) of the Internal Revenue Code, commonly referred to as "401(k) plans," have become one of the most popular types of employer-sponsored retirement plans.How...

Monday, August 8, 2022

The market pundits remain intensely focused on the question of whether the U.S. economy is in or about to enter recession, so we thought a piece on what a recession might mean for the stock market would be of interest. While...

Monday, August 1, 2022

Stocks have been unable to make up much ground since the June 16 lows, with a bear market rally amounting to only around a 4.3% gain in the S&P 500 Index since then (as of July 1). After the more than 6% rally the week of June 24 and...

Monday, July 25, 2022

For the past year, supply-related problems contributed more to inflation than demand-related imbalances, but that may be changing soon. There are at least three factors that could change the course of inflation. First, the improvement...

Monday, July 18, 2022

Money is always an emotional subject, but often when our emotions get involved with our investments we will make wrong decisions. And that can be a costly mistake.Keeping emotions and investing separate seems almost impossible for many...

Friday, July 15, 2022

Tax aware investing focuses on optimizing your returns by reducing your tax liability as much as possible. In theory, this investment strategy has the potential to help you earn more money on your investments, but you need to be aware...

Thursday, July 7, 2022

Whether to invest a large amount all at once or over a short period of time (lump-sum investing), or to invest gradually over a longer period of time (periodic investing) is an investment strategy decision you'll have to face if you're...

Thursday, July 7, 2022

If you own a business and want to diversify your assets by investing in stocks, today’s online brokerages make trading fairly easy. However, stock investing is risky, especially in a volatile market. Here are four key...

Tuesday, July 5, 2022

Stocks have been unable to make up much ground since the June 16 lows, with a bear market rally amounting to only around a 4.3% gain in the S&P 500 Index since then (as of July 1). After the more than 6% rally the week of June 24 and...

Monday, June 27, 2022

2022 has been rough all-around for the American consumer. Not only are we battling decades-high inflation, but investors’ portfolios are off to one of the worst starts to a year in history as we near the halfway point. Our...

Monday, June 20, 2022

In generalPerhaps you are self-employed or own a small business. Or, you may be directly involved in running a corporation or a tax-exempt organization. In any of these cases, you generally have the option of establishing a retirement...

Monday, June 20, 2022

The bear market that started on June 13 has left the S&P 500 Index 23.5% below its January 3 high. After the initial positive reaction to the Federal Reserve’s first 0.75% rate hike since 1994 and tough talk on inflation,...

Friday, June 17, 2022

A recent survey revealed that four out of every 10 Americans don't believe they'll ever be able to afford to retire.1 But this pervasive belief may be too pessimistic.Even if your retirement account balances are behind schedule, there...

Tuesday, June 14, 2022

The New York State Senate passed the NY State Secure Choice Retirement Savings Plan legislation in June 2021, taking effect immediately. In short, the New York State's Secure Choice Savings plan is a self-sufficient retirement savings...

Monday, June 13, 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...

Tuesday, June 7, 2022

If you’re retired, there’s good news in that you’ll probably live longer and perhaps better than your parents and grandparents did. The bad news: You’ll live a longer and perhaps more expensive life, too.You...

Monday, June 6, 2022

Many pundits are issuing recession warnings and saying the economy is heading for a hard landing. Amid the cacophony of voices, we think the economy is slowing just like central bankers want but not shrinking. Further, we argue that a...

Wednesday, June 1, 2022

At the risk of sounding cliché, making the case for stocks to stage a second half rally back to the prior highs requires investors to see through some heavy cloud cover. If you prefer another market cliché, it’s times...

Monday, May 23, 2022

Core bond investors have experienced the worst start to the year ever. However tough this year has been so far though (and it has been tough), the potential for future returns has improved meaningfully, in our view. Starting yields...

Monday, May 23, 2022

Friday, May 20, 2022

Monday, May 16, 2022

Monday, May 16, 2022

Monday, May 2, 2022

Monday, May 2, 2022

Monday, April 25, 2022

Monday, April 25, 2022

Friday, April 22, 2022

Wednesday, April 20, 2022

Monday, April 18, 2022

Monday, April 18, 2022

Monday, April 11, 2022

Thursday, April 7, 2022

Monday, April 4, 2022

Monday, March 28, 2022

Monday, March 28, 2022

Monday, March 21, 2022

Monday, March 21, 2022

Monday, March 14, 2022

Monday, March 14, 2022

Monday, March 7, 2022

Monday, March 7, 2022

Monday, February 28, 2022

Monday, February 28, 2022

Wednesday, February 23, 2022

Tuesday, February 22, 2022

Monday, February 14, 2022

Monday, February 14, 2022

Monday, February 14, 2022

Wednesday, February 9, 2022

Tuesday, February 8, 2022

Monday, February 7, 2022

Monday, February 7, 2022

Monday, January 31, 2022

Tuesday, January 25, 2022

Monday, January 24, 2022

An economist explains how the Federal Reserve withdraws stimulus from the economy

Monday, January 24, 2022

Monday, January 24, 2022

Monday, January 24, 2022

Tuesday, January 18, 2022

Monday, January 10, 2022

Monday, January 10, 2022

Thursday, January 6, 2022

Monday, January 3, 2022

Monday, January 3, 2022

Monday, December 27, 2021

Monday, December 27, 2021

Wednesday, December 22, 2021

Monday, December 20, 2021

Monday, December 20, 2021

Monday, December 13, 2021