Blog

We're passionate about keeping our clients up to date. Below you will find resources to understand the current state of the market as well as helpful articles in numerous financial topics. 

Friday, September 4, 2020

What are appropriate checklists for year-end tax planning? Tax planners often develop checklists to guide taxpayers toward year-end strategies that might help reduce taxes. Typically, suggestions are grouped into several different...

Friday, September 4, 2020

As you get older and closer to retirement, your financial practices need to shift slightly as you transition from working and saving to relying on your nest egg. As you approach this stage of your life, you need to take steps to...

Monday, August 31, 2020

The fallout of the COVID-19 pandemic has made the need for a healthy savings account clearer than ever. Even before the pandemic, the U.S. Federal Reserve estimated that nearly 40 percent of Americans didn't have enough set aside to...

Wednesday, August 12, 2020

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, July 15, 2020

Market Blog Based on the latest polling data, there’s growing consensus that former Vice President Joe Biden potentially may win the election and Democrats possibly may sweep Congress. Some might think this could be a negative...

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Friday, July 3, 2020

Teaching Money Mindfulness to Your Children At some point in a child's development, all parents wonder: how can I best teach my child the value of money? Parents who grew up in more modest circumstances than their own children can...

Friday, July 3, 2020

Most Americans will eventually receive Social Security and Medicare benefits. Each year, the Trustees of the Social Security and Medicare Trust Funds release lengthy reports to Congress that assess the health of these important...

Tuesday, June 2, 2020

Investing with an eye toward promoting social, political, or environmental concerns (or at least not supporting activities you feel are harmful) doesn’t mean you have to forgo pursuing a return on your money. Socially...

Tuesday, June 2, 2020

In times of crisis, you don't want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you're protected when a financial emergency arises. One way to accomplish this is by setting up a cash...

Wednesday, May 20, 2020

Stocks have weakened as various global concerns keep popping up. Stretched valuations, weakening technicals, and increased tensions between the United States and China have investors on edge. This week, the LPL strategists discuss...

Wednesday, May 13, 2020

More bad economic data A record 20.5 million people lost their jobs in April, well above the previous record of 2 million during World War II. This is further confirmation of how quickly our economy stopped, and the LPL strategists...

Thursday, May 7, 2020

Stocks hit a rough patch the last week of April, as the historic rally could be tiring. The news was heavy and the economic data continued to be very weak, but central banks are doing all they can to help weather the storm. Central...

Tuesday, May 5, 2020

Section 529 plans are popular education savings vehicles. To choose the type of 529 plan that's right for you, it's important to understand how 529 savings plans and 529 prepaid tuition plans work and the differences between them. Who...

Tuesday, May 5, 2020

As the United States desperately tries to flatten the contagion curve for the coronavirus, many state governors have mandated the closure of an unprecedented number of businesses and issued stay-at-home orders to their citizens. The...

Friday, May 1, 2020

In these trying times, even those with veins of steel can find themselves nervous about the market's direction and what it could mean for one's financial future. And the unprecedented nature of the novel coronavirus—and its...

Wednesday, April 29, 2020

Over the past couple of weeks, we have thankfully witnessed new cases of COVID-19 in the US trending lower. Increasingly, we are also seeing governors implementing plans to re-open their state economies in phases. If the US economy...

Thursday, April 23, 2020

With 22 million jobs lost in the past four weeks, a record drop in retail sales, and huge drops in industrial production and housing starts, it is safe to say we are likely in a recession. Even the Federal Reserve (Fed) in the recent...

Friday, April 17, 2020

The economic data keeps getting worse, yet stocks have been in the midst of one of the greatest multi-week rallies ever. As the LPL Chart of the Day shows, the S&P 500 Index gained 27.2% in the 15 days after the March 23 lows, the...

Thursday, April 9, 2020

Stocks have rallied nicely off the March 23 lows on the back of a bold policy response from the Federal Reserve (Fed) and lawmakers in Washington, DC, which was followed by signs that a peak in growth of COVID-19 cases may come soon....

Tuesday, April 7, 2020

You just finished your taxes, but it's not too early to make plans for next year. It's important that as you build your plan, you think about some strategies to reduce or defer your taxes now or in the future. Here are some strategies...

Thursday, April 2, 2020

“Could there be another depression” is one of the top questions we’ve received over the past week. “Yes, we are in a recession and many are worried if things may get much worse before they get better,”...

Wednesday, April 1, 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, April 1, 2020

Now that the $2 trillion coronavirus relief bill has passed. There are huge implications within this bill that we want to make sure our clients and community understand, especially when it comes to retirement accounts. We’ve...

Friday, March 27, 2020

The world continues its battle to contain the COVID-19 pandemic, which now has likely impacted, either directly or indirectly, nearly every person on Earth. This is far more than just a health crisis—this is a human crisis. Its...

Wednesday, March 25, 2020

The COVID-19 pandemic has caused unprecedented volatility in recent weeks that has investors and traders scrambling to assess the economic and market impact of the aggressive containment measures. This past week the CBOE Volatility...

Wednesday, March 18, 2020

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. Yesterday, we...

Thursday, March 12, 2020

COVID-19 related fear has gripped markets, driving the Dow Jones Industrial Average and the S&P 500 Index into bear territory. As difficult as these markets are for all of us, there are reasons to be reassured coming out of China,...

Friday, March 6, 2020

The managers of well-run businesses usually name "backups" to keep things going smoothly -- just in case. That's also a smart plan for your personal finances, where you risk experiencing financial losses or other difficulties if you...

Thursday, March 5, 2020

What is tax planning for income? Tax planning for income usually involves strategies for minimizing your taxable income. In particular, the timing and the method by which your income is reported become paramount. Effective planning...

Thursday, March 5, 2020

What is business tax planning? When starting a business, you must consider a number of tax-related issues. Although business tax planning is a complicated area, it is essential to understand three major topics: tax consequences when...

Thursday, August 15, 2019

If you ask an economist what makes them toss and turn at night, chances are they’ll tell you, “Fear of missing the warning signs of a recession.” After all, for anyone who studies the economy for a living, few things...

Tuesday, August 6, 2019

China has introduced a new weapon to use in the trade war with the United States. That weapon? Its own currency. On Thursday, August 1, President Trump proposed a new slate of tariffs on Chinese goods. In response, the Chinese central...

Thursday, July 11, 2019

LPL Research released their Mid-Year Outlook for 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...

Thursday, April 11, 2019

There's more to retirement planning than putting money in your 401(k) or IRA. In fact, retirement planning is one of the most important financial goals you'll undertake during your lifetime. Do it right and you'll enjoy the things you...

Wednesday, March 27, 2019

Well, tax season has (almost) come and gone. For adults like us, this time of year can be like a second Christmas. The stress of filing will soon be over, and some of us will have our tax refunds to look forward to. The question is:...

Thursday, February 7, 2019

The first half of February is typically full of hearts, flowers and candies. After Valentine's Day, we are reminded that Tax Day isn't that far away. Give yourself some love and make sure you are organized and prepared for this tax...

Wednesday, January 9, 2019

The new year brings new opportunities for a fresh start, and many people have hopes of changing habits in their life in the upcoming year. Intentionally addressing your finances during the new year can allow you more freedom to live...

Monday, December 17, 2018

As a new year approaches, many of us will reflect on the year that has passed. Personal and professional accomplishments may take center stage. And we may take stock of any disappointments and re-calibrate as 2019 approaches. But in...

Monday, November 26, 2018

“A player surprised is a player half-beaten.” – Chess Proverb The World Chess Championship is currently being played in London, and for the first time in decades, an American could be crowned as champion. But this...

Thursday, November 1, 2018

I present you with two quotes: “Democracy is the form of government in which the free are rulers.” – Aristotle “I tell you, all politics is applesauce.” – Will Rogers Whichever quote best describes...

Thursday, October 18, 2018

What we don't know can hurt us. When it comes to investing, investing too conservatively for our goals may be just as damaging as investing too aggressively. How can individuals strike the balance between risk and return in selecting...

Friday, September 14, 2018

Is your spouse in your investment loop? There was a famous fast-food TV commercial in the 80's in which Clara Peller asked, "Where's the Beef?" We suggest a much more important question: "Where's Your Spouse?" Of the tasks to deal with...

Tuesday, June 26, 2018

Even if you’re not sure whether you’re going to retire at the age of 65, it’s still a good deadline to set to have your retirement plans in place, for when the time comes. That may require some careful calculations...

Wednesday, May 2, 2018

If your final day at the office is fast approaching, chances are you are experiencing some retirement anxiety. That anxiety can come from a number of sources- saying goodbye to your career and coworkers, embarking on an uncertain...

Wednesday, April 18, 2018

The headlines are filled with rumors of a trade war between the United States and China. You’ve probably heard by now that both nations have announced tariffs on many of each other’s goods. This has many economists...

Monday, March 26, 2018

Retirement can sound like a permanent vacation. When you awake on Monday, you will wake up when you want to wake up. No more alarm clocks and no more commutes to the office. One of our goals as financial advisors is to help put our...

Thursday, March 8, 2018

Please open your economic textbooks to page forty-seven, class, because it's time to talk about something you probably haven't thought of since college: tariffs. On Thursday, March 1, President Trump announced a new plan to institute...

Wednesday, February 28, 2018

360 Financial Acquires True North Capital Alliance Press Release 360 Financial acquired True North Capital Alliance as of February 7, 2018. “The 360 Financial team approach, enhanced capabilities, and fiduciary standard will...

Wednesday, February 7, 2018

Linda and Peter are worried about their financial future. "We want our one-year-old son, Raymond, to go to college, but we're concerned that in 17 years, the cost might be more than we can afford," says Peter. "We also need to save for...

Monday, January 22, 2018

If you are preparing to change jobs, do you know what your choices are for managing the money in your current employer's retirement plan? Although many people choose to take a cash distribution, there are other options that may benefit...

Sunday, December 3, 2017

As the 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. Remember, you can...

Wednesday, November 1, 2017

If you have a family, by now you’ve probably already put together a basic last will and testament. That’s a good start, but when was the last time you took a close look at your will? Since initially penning your will...