Why Financial Literacy is Important

With more of the burden placed on consumers to make educated decisions about things they may have little knowledge of, it’s important to educate yourself properly, no matter what your age. Here are a few reasons why financial literacy is so important today:
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What Does a Negative Interest Rate Mean?

Predictably, the topic of negative interest rates has received quite a bit of media coverage ever since, so you may be wondering what it means and whether the Fed will take the President’s advice. On its face, the idea of interest rates below 0% might seem absurd – the bank pays customers to take a loan?  Customers pay the bank to hold their money? Is that even possible? Theoretically, the answer is yes. 
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Economic Update October 2019

In this month’s recap: The Fed cuts interest rates, the price of oil spikes, and trade negotiations between the U.S. and China are rescheduled.


September brought an economic event that was widely expected: a quarter-point cut in short-term interest rates by the Federal Reserve. It also brought an attack on two of the world’s largest oil fields that threatened to dent global crude output. A resumption of U.S.-China trade talks was scheduled for October, and White House officials decided to delay some planned tariff increases. Clear signals of an economic slowdown emerged from both the eurozone and China; some of the key U.S. economic indicators looked much better by comparison. While all these events transpired, the S&P 500 gained 1.72% for the month.1 

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Retirement Wellness: Staying healthy could save you some money

How healthy a retirement do you think you'll have? If you can stay active as a senior and curb or avoid certain habits, you could potentially reduce one type of retirement expense.

Each year, Fidelity Investments presents an analysis of retiree health care costs. In 2019, Fidelity projected that the average 65-year-old couple would spend around $285,000 on health care during retirement, including about $11,000 in the first year. Both projections took Medicare benefits into account.1,2

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7 Tips to Help Protect Your Identity

More than 60 million Americans had their identities stolen in 2018, a significant increase from 2015, where more than 15 million consumers were affected. With identity theft numbers on the rise, it certainly doesn’t appear likely that scammers are going away anytime soon. While there are no hard and fast rules when it comes to preventing identity theft, there are some things you can do to make it more difficult for scammers to obtain your personal information. Here are a few of them:

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An Explanation of the Inverted Yield Curve

As part of our ongoing communication with our clients we send out quarterly letters with an in-depth topic we think our clients should be aware of. In January 2019, the article we chose to write was about whether or not an inverted yield curve could “predict" a recession. Considering the obsession with the inverted yield curve is back in the news cycle we thought it timely to share the article with our entire enewsletter subscribers base. We hope this helps put the issue in context!

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Your Diversified Portfolio vs. the S&P 500

How global returns and proper diversification are affecting overall returns.  

“Why is my portfolio underperforming the market?” This question may be on your mind. It is a question that investors sometimes ask after stocks shatter records or return exceptionally well in a quarter.

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