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529 Plans and SECURE 2.0: More Flexibility

The cost of college has skyrocketed, and it raises the question of whether the cost/benefit assumptions of a college education should be revisited. The Federal Reserve did just that, with a web feature called “The Labor Market for Recent College Graduates.” This is an interactive, consistently updated series of charts that look at 20 years of economic data for unemployment, underemployment, and wages and outcomes by major.

March Market Commentary Perspective on the Economy: Telescope, Microscope, or Kaleidoscope?

February Recap and March Outlook
Depending on your focus, the story the recent economic data is telling may be different. But one point of view has been remarkably consistent this year: the market does not seem to care about any of it.

February saw the S&P 500’s first break through the 5,000 ceiling, and there were eight new closing highs during the month.

Women and the Changing Financial Landscape

Wealth transfers from one generation to the next don’t usually make the news, but everything about the baby boomers has always been newsworthy because of the sheer size of this mid-20th-century generation.

The unique circumstances they were born into included societal change and financial opportunities to build wealth through better jobs, pensions, a burgeoning stock market, and widespread property ownership. The result is an unprecedented amount of money changing hands. McKinsey and Co. put the amount at $30 trillion by 2030. McKinsey goes on to say that much of it could end up being controlled by women, due in part to longer life spans.

February Market Commentary: Will A Booming Economy Stay Powell’s Hand?

January Recap and February Outlook
As goes January, so goes the year.

That old stock market canard has a double-edged meaning this year, as the stock market as measured by the S&P came in strongly positive. But the path to getting there included dashed expectations for lower rates in March and a slew of data that would seem to indicate a booming economy but with some cracks beginning to show.

Managing Your Tax Risk – with Diversification

Managing the volatility of investment assets by creating a diversified portfolio is one of the basic principles of investing. Dividing up your investments by asset classes can help you create the income stream you need, once you become dependent on your savings and investments in retirement.

Is Your Home Part of Your Retirement Plan?

Retirement planning is all about making sure you have enough assets, and that they are handled prudently, so they can provide you with the income you want throughout your retirement.

But what about the asset you live in? Factoring your home into your retirement planning has an impact on your lifestyle choices, your available income, your late-stage retirement, and even your estate plan.

January Market Commentary: Is Rate Relief In Sight?

December Recap and January Outlook. The drama around the timing of the Federal Reserve’s first cuts to the key short-term interest rate continued in last few weeks of the old year and into the first week of the new year.

December Market Commentary Rates: Lower and Sooner?

After a year in which Federal Reserve Chairman Jerome Powell managed to hold everyone’s attention – again – here we are waiting for the outcome of the last FOMC meeting of the year. A few weeks ago, with the narrative of rates being higher for longer taking firm hold, the upcoming December meeting would likely have been less of an attention-grabbing event. But that was last month.

What’s New With the FAFSA?

It’s been a multi-year process, but the FAFSA Simplification Act (FSA) passed back in 2021 is finally showing results, and the new FAFSA has been promised to be rolled out online by December 31, 2023.

Even with a new, simpler version available, some families choose not to submit a FAFSA as part of their plan for paying for college.

Planning for Taxes 2024: Inflation Edition

The inflation rate has come down from the forty-year highs we saw in 2022, but it is still elevated. While we are seeing relief on prices, there are some positive impacts of higher inflation.

The IRS sets tax brackets, tax deductions, 401(k), and other tax-efficient retirement savings account contribution amounts by pegging them to inflation.

November Market Commentary Powell on Rate Cuts: Nope.

The Federal Reserve’s November meeting went as the market expected: no change in rates. What wasn’t expected was the October and early November rollercoaster of bond yields. And by rollercoaster, think Kingda Ka.

The ten-year U.S. Treasury yield was briefly above 5.00% during the month. The last time it hit that level was July 2007.

Are You Confident About Your Financial Future?

Northwestern Mutual’s annual Planning and Progress Study is out, and the results this year are very interesting. The study examines U.S. adults by generation to understand attitudes and behaviors toward money, financial decision-making, and financial security.

Given the volatility of the last year, the results reflect more uncertainty. But they also indicate that while each generation has different goals, needs, and attitudes towards money, getting financial advice from a trusted resource is a constant.

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