Asset Allocation: The Importance of Maintaining a “Balanced” Approach in Today’s Market Environment

August 2020  By: JARED HAMMERS, CFA

As with most things in life, it’s uncommon to find a free lunch in investing. Generally speaking, investment returns tend to be commensurate with the level of risk incurred. However, it seems some investors are questioning that rule and reacting to the current low interest rate environment by reducing their allocation to high-quality fixed income…

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9 Tips to Build and Manage Your 401(k) Account

July 2020  By: JULIA BUTLER, CFP®, JD, MBA, CFEI

You’ve signed up for your company’s 401(k) plan, but that’s only the first step in saving for retirement. Keep in mind that the primary factors which determine your success in adequately funding your retirement are how much money you save, how long you save, and the rate of return on your savings. Social Security income…

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What Should You Do with Those Old Retirement Accounts?

July 2020  By: KYLE POWERS, CFP®, MBA, AIF

You’ve worked hard over the years and diligently contributed to your workplace retirement account. You focused on the right things, like proper asset allocation, receiving the full employer match and deferring enough from each paycheck to reach your retirement goals.  After all, you’re not planning to work forever. What will you do with your 401(k),…

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Stock Market vs. Economy

June 2020  By: JOEL GOODMAN, CFA

Between a double-digit unemployment rate, sputtering economic activity, and a pandemic that has now taken the lives of more than 120,000 people in the United States, there was plenty to be worried about as equity markets plummeted in the month of March. And after the S&P 500 declined by more than 30% from its February…

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Speculating During the Pandemic

May 2020  By: JARED HAMMERS, CFA

At a time when casinos around the country are temporarily closed due to COVID-19, Americans have found a new avenue for wagering: short-term trading in the stock market. In addition to stay at home orders, there have also been technological improvements that enable anytime access to trading platforms, as well as a meaningful reduction in…

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Survivorship Planning Checklist

May 2020  By: MICHAEL McLEOD, CFP®

In many families, one partner takes a more active role in handling the finances than the other. Often, this division of labor stems from fear, time pressure or lack of interest. Regardless of the root cause, having one spouse exclusively handling family finances can put the other partner in a difficult position in a time…

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Planning for Retirement in the COVID-19 Age

May 2020  By: KYLE POWERS, CFP®, MBA, AIF

This article was originally published within the Savannah Morning News, found HERE. Major economic events give us a compelling reason to revisit our retirement plans, evaluate household spending and take a hard look at our long-term goals. So, with the Coronavirus shaking up the marketplace and creating uncertainty in both the job and stock markets, how…

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Planning Amid Uncertainty

April 2020  By: MICHAEL McLEOD, CFP®

In times of heightened volatility and uncertainty, it’s helpful to revisit the fundamental question of why we plan and invest in the first place.  As the COVID-19 pandemic continues to unfold, we will continue to see significant and wide-ranging implications on many aspects of our daily lives, businesses, and communities. The financial markets, too, have…

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Traditional vs. Roth IRA: Which Option is Best for You?

April 2020  By: KYLE POWERS, CFP®, MBA, AIF

You’ve been working hard and earning income for years, hopefully saving a portion of your earnings for retirement. With most pensions having gone away, retirement savings accounts like an Individual Retirement Account (IRA) are going to be your safeguard or reserve to generate retirement income. The type you choose — whether a Traditional IRA or a…

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Understanding the Benefits and Risks of Bonds

March 2020  By: SCOTT McGHIE, CFA, CPA

Especially in times of significant stock market volatility, bonds have an important place in a balanced investment portfolio. The income that bonds generate coupled with their relatively low-price volatility can help mitigate overall portfolio risk. Unlike stocks, which provide equity interest in a business, bonds are a form of debt in which the investor serves…

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