Money Talks: Q4 2020 Market Commentary
Tuesday, January 12, 2021We finished the quarter with strength and kept the ball rolling on what has turned out to be a scary, but successful year!
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What’s on our mind? You can read about it in our blog called “Money Talks”. Whether it’s ideas from the investment world or concepts from the financial industry, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along!
We finished the quarter with strength and kept the ball rolling on what has turned out to be a scary, but successful year!
Read MoreWe firmly believe that to live life well, you need to firm up stability in your physical, emotional, and financial health.
Read MoreFew things in life are as impactful as the potential to leave a financial legacy.
Read MoreYour financial advisor works for you, and you always have the option to change the relationship if it's not working for you
Read MoreAs the school year begins, questions abound as to what exactly school will look like now and in the near future.
Read MoreFew events rile investors as much as a Presidential election.
Read MoreHere are some useful points to discuss with your college kid.
Read MoreDivorce can negatively impact a woman's standard of living.
Read MoreFinancial independence means having enough income to support your lifestyle without having to work full time.
Read MoreOn the occasion of Father’s Day, I thank you, Dad, for instilling many of my personal (and financial) habits at a young age.
Read MoreGraduating into this job market? Here's what to do.
Read MoreTake a break from Coronavirus cleaning around the house...Here are 6 Ways to Spring Clean Your Finances.
Read MoreHow are you coping today? Listen to this podcast to find out what “happiness-improvement” steps we can be taking now.
Read MoreDespite the historic unemployment numbers, some companies are hiring!
Read MoreKnowing the rules may help you decide when to start benefits.
Read MoreTax preparation may be the perfect time to give the household budget a check-up.
Read MoreThis article may help you understand the most recent changes to your IRA and your RMD implemented with the SECURE Act.
Read MoreEntrepreneurs all face the same question, “Which business structure should I adopt?”
Read MoreThis article may help you maximize the benefits of your donation for your chosen charity.
Read MoreEstate strategies for millennials may sound like less of a concern than retirement, but young adults should prepare now.
Read MoreDo you understand these common mobile slang terms?
Read MoreHelp your college-bound child explore scholarships, grants, and more with this article on paying for higher education.
Read MoreHere's a list of 10 questions to ask that may help you better understand the costs and benefits of long-term-care insurance.
Read MoreHere's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.
Read MoreIt's important to understand how inflation is reported and how it can affect investments.
Read MoreRetirement income may come from a variety of sources. Here is an overview of the six main sources.
Read MoreRoth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
Read MoreWhen selecting a mortgage, one of the most critical choices is between a fixed or variable interest-rate mortgage.
Read MoreUnderstanding how a stock works is key to understanding your investments.
Read MoreUnderstanding the economy's cycles can help put current business conditions in better perspective.
Read MoreDiversification is an investment principle designed to manage risk, but it can't prevent against a loss.
Read MoreUnderstanding money matters and managing your cash flow are an integral part of any sound financial management strategy.
Read MoreHow literate are you when it comes to your finances? Brush up with these five basics.
Read MoreA number of questions and concerns need to be addressed to help you better prepare for retirement living.
Read MoreSome people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.
Read MoreMillions of us file our 1040 forms each year, but some things about federal income taxes may surprise you.
Read MoreTaking your Social Security benefits at the right time may help maximize your benefit.
Read MoreThis checklist can give you a quick snapshot of how prepared you are.
Read MoreUse smart management to get more of what you want and free up assets to invest.
Read MoreBonds may outperform stocks one year only to have stocks rebound the next..
Read MoreHere are some activities you can do to keep your brain sharp.
Read MoreHere are six flags that may make your tax return prime for an IRS audit.
Read MoreEnter various payment options to determine how long it may take to pay off a credit card.
Read MoreThe wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Read MoreGetting the instruments of your retirement to work in concert may go far in realizing the retirement you imagine.
Read MoreUnderstanding how capital gains are taxed may help you refine your investment strategies.
Read MoreHow do the markets usually react to elections? Was the 2016 election any different?
Read MoreSound estate management includes creating financial and healthcare documents.
Read MoreWhen selecting a fixed-rate mortgage, a borrower has to determine how many years to finance the loan.
Read MoreClick on the picture above to learn about a few key concepts during divorce that may help you avoid common pitfalls.
Read MoreLearn a little about worldwide currency in this fun infographic.
Read MoreEven if you’re young and single, you should still consider protecting yourself.
Read MoreBeware of these traps that could upend your retirement.
Read MoreHere's a look at what goes into creating a $20 bill and what determines when a bill’s lifespan ends.
Read MoreCreating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.
Read MoreOver time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
Read MoreA disability could keep you from work and increase costs.
Read MoreProtect yourself against the damage that your homeowners policy doesn’t cover.
Read MoreRegardless of how you approach retirement, there are some things about it that might surprise you.
Read MoreAccelerating monthly payments may help lower your overall credit card balance.
Read MoreLoss of income from disability has the potential to cause financial hardship. Disability insurance can help.
Read MoreWhat did the 2017 Tax Cuts and Jobs Act change?
Read MoreWhy have the markets been so volatile recently?
Read MoreThe average college senior graduates with credit card debt. How will your kids manage money?
Read MoreEach day, the Fed is behind the scenes supporting the economy and providing services to the U.S. financial system.
Read MoreEvery year the IRS releases its list of tax scams, spotlighting some ways that people try to separate you from your money.
Read MoreWhat does the Tax Reform and Jobs Act mean for you?
Read MoreProbate can be a completely public process, or it can be managed to include as little information as possible.
Read MorePreparing for college means setting goals, staying focused, and tackling a few key milestones along the way.
Read MoreDivorce is the second most stressful time in a person's life. Here are some tips to help you get through it.
Read MoreWhatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with options.
Read MoreBe aware of these traps that could upend your retirement.
Read MoreThe savings rate is the government’s estimate of how much U.S. households are saving.
Read MoreOne of the most basic tenets of smart investing is “pay yourself first.”
Read MoreLearn more about effectively managing money: using it, saving it, and even getting credit.
Read MoreBitcoin has been in the news. Wonder what all the fuss is about?
Read MoreSimple steps may help you foil hackers and protect your privacy.
Read MoreMost parents want to give their children the best opportunity for success, and getting into the right college...
Read MoreWorkers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.
Read MoreCouples may be able to head off many of the problems in a marriage that money can cause.
Read MoreWhat’s the deal with your yearly free credit report?
Read MoreA special needs trust helps care for a special needs child when you’re gone.
Read MoreWhat kind of auto insurance should you have? Do you know?
Read MoreIndividuals have three basic choices with the 401(k) account they accrued at a previous employer.
Read MoreA letter of instruction provides additional and more personal information regarding your estate.
Read MoreThe money problems or bad lifestyle habits of adult children could lead to the squandering of any inheritance they receive.
Read MoreKnowing how insurance deductibles work can help you save money and give you peace of mind.
Read MoreDeath is No Excuse The federal government requires deceased individuals to file a final income tax return.
Read MoreChoosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails?
Read MoreApps that help small business owners better manage and grow their business.
Read MoreEight Mistakes That Can Upend Your Retirement Posted By Michael Leanza, CFP® There are common mistakes you can avoid when saving for retirement. Click the picture above to learn more.
Read MoreThe year’s end is the perfect time to do these 12 things.
Read MoreFour vacation destinations you might never have thought of.
Read MoreEstimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children. Click the picture above to learn more.
Read MoreHave you ever wondered how your credit score compares to the rest of the country? Take a look and see. Click the picture above to learn more.
Read MoreYour liability for damages that occur when a tree on your property falls on your neighbor’s property is not clear cut.
Read MoreThe tax rules governing profits you realize from the sale of your home have changed in recent years.
Read MoreDon't let procrastination keep you from pursuing your financial dreams and goals.
Read MoreRoth 401(k) vs. Traditional 401(k) This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
Read MoreHere’s a guide to explain all the parts of Medicare.
Read MoreUse this calculator to compare the future value of investments with different tax consequences.
Read MoreHave income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.
Read MoreImportant items to consider when purchasing condo insurance.
Read MoreFive strategies for managing student debt.
Read MoreWhen your child has income, there’s a good chance that he or she will need to report it and pay taxes.
Read MoreInterested in a Fuel Efficient Car? Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Read MoreEach year hundreds of children die or are injured in pool accidents. By taking seven steps, you can keep your pool safe.
Read MoreThere have been a number of changes to Social Security that may affect you, especially if you are nearing retirement.
Read MoreHere's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.
Read MoreExecutors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."
Read MoreUnderstanding how capital gains are taxed may help you refine your investment strategies.
Read MoreWhen to start? Should I continue to work? How can I maximize my benefit?
Read MoreIf you want to avoid potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.
Read MoreRoth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.
Read MoreThe Value of Insuring Against Life’s Risks Building wealth requires protection from the forces of wealth destruction.
Read MoreCheck out this picture from the first snow storm of the year! Thankfully, we were shoveled out in no time and remained fully functional.
Read MoreConsider how your assets are allocated and if that allocation is consistent with your time frame and risk tolerance.
Read MoreTax preparation may be the perfect time to give the household budget a check-up.
Read MoreWhen selecting a fixed-rate mortgage, a borrower has to determine how many years to finance the loan.
Read MoreIRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.
Read MoreSome great press in The Essex News Daily on the annual Jersey Cares Coat Drive going on right now at The GenWealth Group!
Read MoreBuying Auto Insurance For Teen Drivers Tips on insuring your teen driver.
Read MoreWhat’s the deal with your yearly free credit report? Click the title or picture above to learn more.
Read MoreAmong stock-market investors there’s long been a debate between those who favor value and those who favor growth. Click the title or picture above to learn more.
Read MoreYou face a risk for which the market does not compensate you, that can not be easily reduced through diversification. Click the title or picture above to learn more.
Read MoreLink to a great article below in The Essex News Daily covering the GenWealth Walks for Hope Charity Event to be held Saturday, September 12th.Community to remember Vayas in walk to raise funds for cancer research
Read MoreHave you explored all of your choices when it comes to managing your taxable income? Click the title above to watch the video.
Read MoreThe list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Click the image or title above to learn more,
Read MoreHaving an emergency fund may help alleviate the stress and worry associated with a financial crisis.
Read MoreEmotional biases can adversely impact financial decision making. Here’s a few to be mindful of. Click the title or picture above to learn more.
Read MoreThe uncertainties we face in retirement can erode our sense of confidence. Click the title or picture above to learn more.
Read MoreFor homeowners who think their property taxes are too high, there are ways to appeal. Click the title or picture above to learn more.
Read MoreIf you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations. Click the title or picture above to learn more.
Read MorePreparing for the eventual distribution of your assets may not sound enticing. But a will puts the power in your hands.
Read MoreHere are six flags that may make your tax return prime for an IRS audit. Click the picture or title above to learn more.
Read MoreOver time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
Read MoreWhen you take the time to learn more about how it works, you may be able to put the tax code to work for you. Click the picture or title above to learn more.
Read MoreKeep Your Umbrella Handy Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.
Read MoreThinking of Retiring Abroad? However exciting retiring abroad may sound, it deserves considerable planning.
Read MoreTax preparation may be the perfect time to give the household budget a check-up.
Read MoreEven low inflation rates over an extended period of time can impact your finances in retirement.
Read MoreHere's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.
Read MoreUnderstanding the Basics of Medigap PoliciesBy Michael Leanza, CFP Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.
Read MoreA few strategies that may help you prepare for the cost of higher education.
Read MoreBuying vs. Leasing a Car Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options.
Read MoreCheck out this recent New York Times article on choosing the right investment adviser.
Read MoreA company's profits can be reinvested or they can be paid out to the company’s shareholders as “dividends."
Read MoreAs our nation ages, many Americans are turning their attention to caring for aging parents. Click the title above to learn more
Read MoreWhat If You Get Audited? The chances of an IRS audit aren’t that high. And being audited does not necessarily imply that the IRS suspects wrongdoing.
Read MoreIf you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney's fees, up to a limit set in the policy. However, in...
Read MoreMany people will face decisions regarding long-term care for an elderly loved one at some point in their life. Long-term care is sustained care in a hospital, nursing facility or the equivalent care delivered at...
Read MoreIn our second post on how to teach kids about money, we discussed the allowance and spending decisions families can take into consideration when teaching children about money. In the final post, we’ll look into...
Read MoreLast week we set the foundation for teaching kids about money. With those basic steps in mind, we’ll now talk about the allowance and spending decisions you may choose to share with your children.• When giving children an...
Read MoreAs you prepare to have your children home from school for summer break, you may be wondering how to introduce or extend a conversation about the value of money and saving. Educating, motivating and empowering...
Read MoreJob loss is a stressful life event that anyone can experience at some point throughout their career. If you find yourself without a job through no fault of your own, you probably qualify for certain programs that...
Read MoreIt is all too often that pre-retirees focus solely on the financial aspects leading up to retirement rather than the emotional impact of leaving the work force. There is no doubt that proper financial...
Read MoreIf you work with a financial advisor, have you ever discussed risk tolerance? Risk tolerance can be defined as the degree of variability in investment returns that you’re willing to withstand. In other words…how much money...
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