Please click on the following link for a full review of the 3rd quarter Market Report - Q3 2019
Market Commentary - 2nd Quarter 2019
Please click on the following link for a full review of the 2nd quarter Market Report - Q2 2019
How to Invest at the Top of the Market
As the stock market has reached all-time highs, it may have crossed your mind about getting in the game or even grabbing your share during market pullbacks. Beware as investment decisions during periods like this are challenging because the biggest enemies in money management – fear and greed – influence your decisions at times like these.
With a bull market now into its tenth year despite frequent threats of a looming correction, how can you avoid making rash decisions amid market highs?
Market Report Q1 2019
Please click on the following link for a full review of the first quarter Market Report - Q1 2019
Umbrella Policies - Extra Coverage and Peace of Mind
Additional insurance to protect your assets and future
Why doesn’t anyone ever suggest that your shouldn't buy an umbrella liability policy? It seems like additional overall security for pennies. Sure, you can spend pennies paying for something you don’t need or will never use, but isn’t that the argument against all insurance? Let’s run some numbers and see if this kind of policy protects you.
As a financial planner we help people make wise money decisions, including protection of what you’ve accumulated over the years or are about to accumulate. To those ends, an umbrella liability policy adds another layer of insurance to your home and auto liability coverage. Umbrella liability usually comes in increments of $1 million and costs about…
Your 2019 New Year’s (Financial) Resolutions
2018 Annual Market Report
Please click on the following link for a full review of the 2018 Annual Market Report
Market Report Q4 2018
Please click on the following link for a full review of the Market Report Q4 2018
Exiting the Correction and Other Thoughts
As the calendar gets ready to turn, think about your original goals
As we enter December, it’s important to keep the past 11 months in perspective and remember your original goals from the beginning of the year. Sure, it’s been an interesting year – more volatility, market corrections, new market highs, and tax reform – but unless something dramatically altered your circumstances, remember the basics.
Here are some thoughts for you to consider as you begin looking forward to 2019:
Borrowers to See New FICO Scoring System
Goal is to account for a borrower's cash transactions and banking history
When it comes to our credit score, Americans are doing better than ever.
Since bottoming out with an average FICO Score of 686 in October 2009 – one year after the stock market crash of 2008 – scores have risen steadily since, including for the past 8 years.
Currently, the average FICO score in the U.S. has reached 704, a new record that will hopefully continue to rise.
New Credit Score Coming in 2019
In the fall of 2018, FICO, Experian, and Finicity announced a new credit score called UltraFICO Score, which is when the consumer – you and me – agrees to contribute information from our checking, savings and money market accounts in order to provide an “enhanced view” of our financial behavior.
