October Mid-Month Thoughts on the Market

VIX 10 14 14

Key Points U.S. equity markets endured their third consecutive week of losses as volatility climbed. The S&P 500 Index was down sharply enduring its largest weekly decline since May 2012. The sell-off can be blamed on a number of factors, with concerns over global growth coming in first on that list. Ongoing angst over the [...]

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US Ecomomy and European Central Bank (ECB) announcements


Quick Recap Domestic stocks have experienced a little more volatility than what has been usual this year; however U.S. equities continue their winning ways. Although the August employment data were somewhat disappointing, investors were encouraged by strong manufacturing trends. Events outside of the U.S. also contributed to the positive tone. The European Central Bank (ECB) [...]

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Behavioral Finance – Part I

behavioral finance

From the Outside Looking In Have you ever noticed how easy it is to know when someone else is making a bad decision—a friend is impulsively quitting her job; a family member is buying a house that seems too expensive; your brother has no retirement account? We find it easier to assess someone else’s choices [...]

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The Dos and Don’ts of Choosing a Financial Advisor

dos and donts

You’re thinking about hiring a financial advisor to help you manage your assets. I can assume this is the case since you’re taking the time to read this paper. This is most likely because you’re planning for the future— your retirement funding or college, or you’re unhappy with your current money manager, be it a [...]

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Sustainable Withdrawal Rate

withdrawal rate

We all look forward to and approach retirement in different ways. In order to retire comfortably, individuals must accumulate adequate savings over time. If you withdraw too much from your portfolio too early, you may run the risk of depleting your savings prematurely. Conversely, if you withdraw too little, you may lower your standard of [...]

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Importance of Estate Planning

estate planning

Estate Planning is one of the most important steps that any person can take to ensure that their property and their health care wishes are honored, and that loved ones are provided for in their absence (either death or incapacitation).

Do You Know Where Your Money is Going?

money down the drain

Managing your finances can be a difficult and frustrating experience but something everyone needs to do regardless of what stage of life they are in. Much like taking a road trip across the country, you start with a destination in mind, “where do I want to be”, “what do I want to do”? Having a [...]

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Do I Retire Early with Social Security Benefits or Wait Until Full Retirement Age?

SS Benefits

Do I retire early with social security benefits or wait until full benefit (normal) retirement age? This is a question asked frequently, and is not a simple math equation of 2 + 2 = 4. Early retirement is defined as age 62 to 67, depending upon your birth date. If a retiree selects early retirement, [...]

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Debt Ceiling Debate

debt ceiling

Once again, for the third time since August 2011, we are about to approach the debt ceiling debate. The debt ceiling is the total amount of money that the US Government is authorized to borrow to meet its existing legal obligations, which include Social Security and Medicare benefits, military salaries, interest on the national debt, [...]

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Choosing Wealth Advisors – 9 Ways to Learn More First – Part II

Independent Wealth Advisor, Rhoads Lucca

As you try to make a good decision about who to trust in guiding and protecting you in the investment markets, there are hidden sources of information about an Independent Wealth Advisor that most people overlook. In Part I, we covered the first 5 ways of learning more about an Independent Wealth Advisor before hiring [...]

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