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The significance of May 29th (or 5/29)

At this time of the Year, we are yearning for Spring, a new beginning. A variety of buds poke through the ground and remind us that there soon will be blossoms. By the time you read this, daffodils, crocus and tulips will, in all likelihood, have come and gone. The past year has helped to re-prioritize so many aspects of our lives. We have learned to ‘mask-up’, socially distance and schedule our times to be vaccinated. And now, with hope, a

Plan B – Building Resilience

Resilient: Capable of withstanding shock without permanent deformation or rupture; Tending to recover from or adjust easily to misfortune or change.From Merriam-Webster Yesterday my coach told me that her mantra for this month is “resilience”.  She explained – in her training, there are days where it seems like all goes well, and others where for a multitude of reasons it may not.  However, if she has a plan in place, she can adjust to absorb these “shocks” and continue with her

Wow, was 2020 a challenge!

It is difficult looking back on 2020 without feeling a sense of being both overwhelmed and somewhat unsettled.  It was a difficult year filled with the uncertainties of COVID-19 and a vaccine.  The fears that we felt, the lack of clarity and the stresses emerging with regard to economic instability, each provided a sense of normlessness. Moreover, we cannot forget the masks and social isolation that interrupted our ordinary routines and lives. Some of us experienced the joyous events of weddings

“Don’t let the sun go down without saying thank you…”

Sunset

“Don’t let the sun go down without saying thank you to someone, and without admitting to yourself that absolutely no one gets this far alone.”   Stephen King We have all heard that “an attitude of gratitude” will improve our daily outlook. That we should approach every situation looking for that silver lining, or the positive in a field of negatives. In a year like this one has been, that can be incredibly difficult! I found this quote from one of my favorite authors

KEEP CALM AND INVEST ON

In volatile times, remember your time horizon; follow facts not feelings; and, if needed, reposition gradually Within a matter of weeks, the spreading Coronavirus, tumbling oil prices, recession fears, alarming headlines, and a 10-year Treasury yield well under 1% have thrown a record-high S&P® 500 index into, at least, temporary turmoil. In many corners of the market, the bulls’ decade-long ebullience has been swiftly replaced by palpable panic. To borrow from Britain’s World War II motivational poster, now is the time for

Investing in a Volatile Market

Coming to Terms with Stock Market Volatility There’s no getting around it. The stock market is volatile. Every day the stock market goes up and down in reaction to any number of issues involving business, the economy, or geopolitical events. Most of the time investors take the market’s ups and downs in stride. It’s only when the market declines substantially that investors can become unnerved and make decisions that can be harmful to their long-term retirement portfolios. To understand market volatility, it’s

Coping with Market Volatility: Avoid Rash Decisions

If you’ve been watching the market lately, perhaps the first question on your mind is, “Should I make a big change in my investments?” In reality, a volatile market isn’t the best time to do a complete makeover of your portfolio, especially if you have long-term financial goals you’re trying to address. Even if you feel that your portfolio needs adjusting, maintaining a firm grasp on your fundamental investment strategy can help you be more thoughtful about making any changes. Think of each investment as a tool in

CARES Act Drastically Changes Required Minimum Distribution Rules For 2020

This helpful article from FORBES.com is a good starting point for questions regarding the changes in the CARES Act for 2020. The CARES Act essentially suspended required minimum distributions (RMDs) for 2020 across the board. However, there have been a lot of questions about what this means for those who already took out distributions, and the impact on taxes and inherited accounts. It is important to remember that the CARES Act is a relief bill, and by suspending 2020 RMDs,

Understanding Social Security

Understanding Social Security

Approximately 68 million people today receive some form of Social Security benefits, including retirement, disability, survivor, and family benefits. (Source: Fast Facts & Figures About Social Security, 2019) Although most people receiving Social Security are retired, you and your family members may be eligible for benefits at any age, depending on your circumstances. How does Social Security work? The Social Security system is based on a simple premise: Throughout your career, you pay a portion of your earnings into a

Time to Fear the Coronavirus?

Monday, fear over the Coronavirus finally gripped investors, as both the Dow Jones Industrial Average and the S&P 500 index fell over 3% – the largest daily declines in two years. These drops wiped out all the gains for the year. Frankly, it’s amazing to us that the market had been so resilient! Maybe it’s because recent history with stocks and viruses is that markets overreact leading to significant buying opportunities along the way. Over a 38-day trading period during the