Q4 2024 Market Commentary: A Year-End Rally Caps Off a Robust Year 

As we closed the books in 2024, the financial markets have delivered an impressive performance, defying early-year skepticism and rewarding patient investors. The fourth quarter saw a continuation of the year’s positive momentum, with major stock market indices reaching new heights and the broader market participation expanding. We’re reminded that steering away from the negative…

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2024 Year-End Tax Tips

Here are some things to consider as you weigh potential tax moves between now and the end of the year. 1. Defer income to next year Consider opportunities to defer income to 2025, particularly if you think you may be in a lower tax bracket then. For example, you may be able to defer a…

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After a Massive Breach, Is Your Data in Danger?

National Public Data, a consumer data broker, confirmed last week that a hacker had targeted the company in December 2023, “with potential leaks of certain data in April 2024 and summer 2024.”Other reports indicate that this leaked data had been found on the dark web and could include the names, addresses, phone numbers, and Social…

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New Developments for Student Loan Forgiveness

As you may have heard in the news, there are new developments for student loan forgiveness. This is a fast-moving program change and we do not have final guidelines on the implementation of the program. Nonetheless, we wanted to get you the information we have so far, and subscribe below to receive updates as we…

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5 Ways a Financial Advisor Can Bring Value to Your Post-COVID Life

The events of last year may have taken a toll on your financial situation. For those who had a financial advisor during that time, they were guided through all the ups and downs of the market and their personal financial lives. If you are getting back into the swing of things, a financial advisor could…

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Investing for Major Financial Goals

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don’t take any money out until you’re ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn’t it? But that’s what investing without setting clear-cut goals is like. If you’re…

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Retirement Planning: The Basics

You may have a very idealistic vision of retirement — doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you get from Uncle Sam may not provide enough income for…

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An Amazon-Less Christmas

Well, I did it. I finished my Christmas shopping and I didn’t order a single thing from Amazon. Some 20 years ago, we all used to head to the mall, walk around and shop around for good deals. The internet, of course, has changed all of this and specifically Amazon.com. They have become such a…

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