You may have noticed that the Bloomberg Aggregate Bond Index is off to one of it's worst starts of any year in the history of the index. Although bonds have been universally accepted as an essential element of investment portfolios…
If you are still not convinced that trying to time the market is an unwinnable strategy, you don't need to go much farther back than the last few weeks. After a 15% decline the third week of March, the S&P…
When I first wrote about socially responsible investing in 2015, it was an idea that was just beginning to take hold. Now referred to as Sustainable or ESG (Environmental, Social and Corporate Governance) investing, it has become a real thing.…
Hindsight is 20/20, but finding clarity in future uncertainty can be fuzzy. AT LPL RESEARCH, as we look forward to the year 2020 and a new decade, some key trends and market signals will be important to watch, including progress…
November is Long Term Care (LTC) Awareness Month. For many people, the idea that they will need long term care is never really considered. When it is, the discussion about LTC most often revolves around the cost of insurance…
If you are turning 65 before the end of this year and considering your Medicare Supplement options you need to know that Plan F, which has been the most popular plan, will not be offered after January 1, 2020.…
In 2019 is estimated by the Centers for Medicaid & Medicare Services that about 60 million seniors are enrolled in Medicare Part A or B with 38 million in original Medicare and 22 million enrolled in Medicare Advantage plans. With…
Since health insurance deductibles have risen to such high levels, it makes more sense than ever to consider the Health Savings Account (HSA) as part of your financial plan. HSAs have some real advantages to other other tax favored healthcare…
Today it is rare that a person will work for the same employer their whole career. And, the number of people reaching retirement age is growing each year. This means that, at some time or another, many will need to…
Before the Federal gift and estate tax credit grew to its current $5.49 million, avoiding estate taxes was the primary goal of individuals and couples of even modest wealth. Today, many who might have already had an estate plan in…