As a result, student loan payments have been deferred again until December 31, 2022. Middle to low-income families may be eligible for up to $10,000 of forgiveness and $20,000 for those who received Pell Grants during college.  Revamp the current loan system to be...

SPECIAL NOTE ABOUT TD AMERITRADE STATEMENTS AND CONFIRMATIONS: If you recently started receiving additional mail from TD Ameritrade, it may be because you haven't logged into your online account and confirmed your mailing preferences since TD Ameritrade and Charles...

The stock market performance in the past has led many to believe Index Funds are the best investment option. Index Funds are investment products designed to track the performance of an underlying asset class. For example, an S&P 500 index fund would provide...

Investor Sentiment may be used to potentially predict future trends in financial markets. The Fear vs. Greed Index displays a blend of indicators used to gauge the current view of the financial markets. Investor Sentiment is only one qualitative analytical tool and...

Special Note about TD Ameritrade Statements and Confirmations Suppose you recently started receiving additional mail from TD Ameritrade. In that case, it may be because you haven’t logged into your online account and confirmed your mailing preferences since TD...

Transitioning from our previous discussion on estate planning, we will be looking at various types of insurance over the next few months. Overall, insurance is a risk management process. Risk is managed by buying the insurance policy to protect against a financial...

The real estate market has been extremely strong for the past few years, but things have started to change. The beginning of the COVID-19 pandemic created a large amount of built-up demand for homes as no one could move during the lockdown. The vast number of buyers...

Stocks slide to close worst first half in 52 years: S&P 500 plunges 20.6% YTD, 8.4% in June. US stocks fell last month, with the major averages logging steep declines for the month of June, the second quarter, and the first half of 2022 as concerns over heightened...

  Annuities and life insurance policies appear to focus on different features. Upon a person's passing, life insurance provides a lump-sum payout, while annuities offer an income stream for the rest of their lives. Both products are only offered by life insurance...

If you have ever been to New York City, specifically the financial district, you probably saw the iconic Bull vs. Bear statue. This Wall Street symbol categorizes the two extremes of market trends.   Bull vs. Bear Market Characteristics The term Bull Market is...

Dear Friends and Clients, Before we update the market and our TD Ameritrade portfolios, we wanted to quickly mention that if you have money sitting on the sidelines, we have access to many options that may interest you. For example: 4.05% Guaranteed for 5 years or...

Many people decide to donate to charities out of the kindness of their heart, while some choose to donate to receive certain financial benefits. The most common benefit is the income tax deduction associated with charitable donations. However, there may be confusion...

We have continued to see a drastic increase in prices over the past couple of months, as the March Consumer Price Index report showed an annual increase of 8.50% and we just received April’s 8.30% report. This slight slowdown could potentially signal that the worst is...

Dear Friends and Clients, Before we provide an update on the market and our TD Ameritrade portfolios, we wanted to quickly mention that if you have money sitting on the sidelines, we have access to many options that may interest you.  For example: 3.60% Guaranteed for...

The term Fiduciary has become more popular in recent years due to the latest changes in regulation. Dodd-Frank Act, SEC’s Regulation Best Interest, and DOL’s Fiduciary Rule are all examples of recent legislation attempts at defining the roles and responsibilities of...