Buying a Home During a Recession: Is it Worth it?

Buying a Home During a Recession: Is it Worth it?

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...
Stock Market Commentary July 2022

Stock Market Commentary July 2022

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...
Life Insurance vs Annuity: How To Choose What’s Right for You

Life Insurance vs Annuity: How To Choose What’s Right for You

  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...
How Do Bull Markets and Bear Markets Differ?

How Do Bull Markets and Bear Markets Differ?

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...
Stock Market Commentary June 2022

Stock Market Commentary June 2022

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...
Do Charitable Gifts Have Tax Benefits?

Do Charitable Gifts Have Tax Benefits?

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...