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Welcome to the Elevated Wealth Advisory blog. This is where we will discuss various topics from financial services, investing, insurance, taxes and other topics. Please use the pop up to join our mailing list. If you have a topic you'd like us to discuss, please send us an email! We appreciate you taking the time to read our material.  

Monday, May 11, 2026

Global events like oil prices, tariffs, and inflation continue to shape markets. Learn why long-term investing and smart asset allocation matter most.

Monday, May 4, 2026

April's performance is a reminder that markets can experience strong rebounds even in the face of ongoing investor concerns.

Monday, April 20, 2026

For many households, a home represents not only where they live and raise their family, but also their largest financial asset, monthly expense, and source of debt

Friday, April 17, 2026

Healthcare is one of the largest—and most unpredictable—expenses in retirement, yet many people underestimate how complex Medicare decisions can be

Tuesday, April 14, 2026

The conflict between the United States and Iran continues to evolve, with markets reacting to each new set of headlines.

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Monday, April 6, 2026

Global events have been at the center of financial market activity, with high oil prices, geopolitics, and new tariff rules capturing investor attention. Behind many of these trends, however, is the level of the U.S. dollar. W

Thursday, April 2, 2026

The first quarter of 2026 challenges investors with geopolitical shocks, higher oil prices, and economic uncertainty. Yet markets have been resilient,

Monday, March 30, 2026

Rising oil prices from the Iran conflict are driving higher gas and diesel costs, impacting inflation, consumers, and markets while testing economic resilience.

Tuesday, March 24, 2026

Each of the 11 sectors in the S&P 500 has distinct traits and reacts differently to economic and geopolitical changes.

Monday, March 16, 2026

The ongoing conflict in Iran and rising oil prices have been the primary drivers of stock market swings in recent weeks.

Wednesday, March 4, 2026

After January's positive momentum carried major indices to new all-time highs, the mood shifted due to a landmark Supreme Court ruling on tariffs, concerns around artificial intelligence, softer labor market data, and major escalations in t

Monday, March 2, 2026

For long-term investors, the most important lesson from past geopolitical conflicts is the value of staying invested.

Monday, February 23, 2026

After nearly a year of trade policy uncertainty, the Supreme Court's ruling that recent tariffs are unconstitutional has reset the policy landscape.

Tuesday, February 17, 2026

The health of the economy is important to long-term investors because it drives their portfolios and their financial plans. Recent economic data points have sent mixed signals, leaving some investors unsure of what to make of the current en

Monday, February 9, 2026

AI is the next phase of technological disruption. Explore how innovation, market volatility, and past cycles can guide long-term investment decisions.

Monday, February 2, 2026

The start of the year was positive for stocks and bonds, continuing the rally from recent years. This might be surprising to some investors since there were several periods of volatility driven by geopolitics and Federal Reserve policy.

Tuesday, January 20, 2026

Gold, silver, and other precious metals have rallied over the past two years, capturing investor attention.

Friday, January 16, 2026

Major tax law changes in 2026 create new planning opportunities. Learn how Roth catch-ups, SALT deductions, and Social Security taxation may affect you.

Tuesday, January 13, 2026

Strong markets can distort expectations. Learn how behavioral finance, investor bias, and historical context support smarter long-term investing.

Monday, January 5, 2026

The arrest of Venezuelan President Nicolás Maduro by U.S. forces represents an unexpected and significant geopolitical event

Monday, December 15, 2025

For long-term investors, the Federal Reserve plays a key role in supporting the economy and financial system. This will be especially important in 2026 since Jerome Powell's term as Fed Chair ends in May, creating an opportunity for...

Tuesday, December 9, 2025

The market enters 2026 after years of strong returns. Explore valuations, AI trends, tariffs, election impacts, Fed policy, and what long-term investors should prioritize.

Friday, December 5, 2025

While financial planning is a year-round activity, many calendar deadlines for tax-related activities fall on December 31.

Monday, December 1, 2025

In November, markets experienced a brief period of volatility that affected many asset classes.

Monday, November 24, 2025

This year presents a unique opportunity for charitable planning. The recently passed One Big Beautiful Bill Act (OBBBA) includes provisions that impact these considerations.

Monday, November 17, 2025

Financial markets have delivered strong returns over history, and this year has been no exception. The S&P 500 has gained over 15% with dividends year-to-date

Monday, November 10, 2025

With recent bankruptcies leading to investor concerns of cracks in the credit market, it’s important for long-term investors to maintain perspective on what this truly means.

Monday, November 3, 2025

The stock market continued its strong performance in October despite uncertainty from a government shutdown and renewed trade tensions with China early in the month.

Monday, October 27, 2025

For retirees and those approaching retirement age, there is no goal more important than ensuring their savings will support a long retirement

Monday, October 20, 2025

As many asset classes have reached new peaks, gold has also climbed over 60% this year to above $4,300 per ounce. This rally has captured headlines and prompted many investors to wonder if it is different from past episodes. This has...

Monday, October 13, 2025

The market recently experienced its largest one-day decline since April, driven by escalating tensions between the U.S. and China over rare earth metals and tariff threats.

Tuesday, October 7, 2025

In this market environment, how can investors most effectively position cash in their portfolios to fulfill their long-term goals?

Wednesday, October 1, 2025

This quarter’s market story is full of contradictions — record highs and strong earnings on one hand, a cooling job market on the other. How should investors navigate it all?

Monday, September 29, 2025

Washington is back in the headlines as the federal government faces a shutdown if policymakers can't reach a new funding agreement.

Monday, September 22, 2025

As markets reach new highs and artificial intelligence stocks continue to rally, some investors are asking "are we in a bubble?" This is as much about investor psychology as it is about market conditions.

Wednesday, September 17, 2025

As was widely expected, the Fed cut policy rates by 0.25% at its September meeting, continuing the easing cycle that first began in 2024.

Monday, September 15, 2025

In today’s environment, the stock market is near all-time highs and dividend yields are near historic lows, estimated at just 1.3% over the next year for the S&P 500

Monday, September 8, 2025

Investors often find themselves looking in the rearview mirror even when they know that what lies ahead is most important.

Tuesday, September 2, 2025

The stock market climbed to new all-time highs in August, while bonds also contributed positively to portfolios. This occurred despite continued uncertainty around tariffs, Fed independence, and technology stocks.

Monday, August 25, 2025

Whether long-term rates come down or not, bond yields are quite attractive. For instance, the average yield for Treasurys is currently 4.0%, 4.9% for investment grade corporate bonds, and 6.9% for high yield debt.

Monday, August 11, 2025

The challenge facing investors today isn't whether artificial intelligence will transform the economy, but how to maintain portfolio balance as the market climbs to new all-time highs.

Tuesday, August 5, 2025

For investors trying to understand the economy, recent reports have provided mixed signals, even leading President Trump to fire the Bureau of Labor Statistics commissioner.

Sunday, August 3, 2025

The S&P 500 notched ten new all-time highs in July, fueled by strong corporate earnings, resilient economic data, and new trade deals ahead of the tariff deadline.

Tuesday, July 29, 2025

While investors always look to corporate earnings for clues about how businesses are performing, the current earnings season arguably carries greater importance due to tariffs.

Monday, July 21, 2025

Rising tensions between the White House and the Federal Reserve highlight the importance of Fed independence. Learn how this impacts interest rates, inflation, and what investors should watch as Jerome Powell’s term ends in 2026.

Friday, July 18, 2025

Social Security, one of the most important government programs for retirees, has evolved over its 90-year history. As the aging population grows, so too do concerns about whether Americans will be able to rely on benefits in retirement.

Monday, July 14, 2025

With Bitcoin surging to new all-time highs, copper reaching record levels, and precious metals such as gold and silver rising, investors face a tricky balancing act. The recent rallies in these assets reflect improving conditions that have

Monday, July 7, 2025

The new spending and tax bill extends and expands the current low-tax environment. For investors, a properly constructed financial plan is designed with these tax provisions in mind. When it comes to growing deficits and the national debt,

Monday, June 30, 2025

Despite a challenging start to the year, the stock market has now reached new record levels, underscoring the need to focus on trends and not day-to-day market movements.

Monday, June 16, 2025

The conflict between Israel and Iran has captured global attention and created uncertainty in financial markets. Israeli strikes on Iranian nuclear facilities and military targets began on June 13 and quickly led to retaliatory attack

Monday, June 9, 2025

For many Americans, the status of the U.S. dollar reflects the country’s position in the world. However, the dollar has weakened to to its lowest level in three years amid trade and economic uncertainty.

Friday, June 6, 2025

After a lifetime of working hard, saving diligently, and investing wisely, one of the key considerations is how to pass these assets to future generations.

Monday, June 2, 2025

Financial markets rebounded in May with the S&P 500 recovering its year-to-date losses. This positive month occurred against a backdrop of new trade agreements, mixed economic signals, and ongoing concerns about U.S. fiscal health.

Tuesday, May 27, 2025

It’s well known that stocks are one of the foundations of long-term portfolios. When included as part of a comprehensive financial plan, stocks have historically created wealth and helped investors achieve their financial goals.

Monday, May 5, 2025

A key principle of investing is that patience, discipline, and maintaining a long-term perspective are what drive financial success. Perhaps no investor has captured this wisdom as eloquently as Warren Buffett over his five-decade career as

Monday, April 28, 2025

The financial health of consumers is an important indicator of the broader economy. Consumer spending represents about 70% of all spending across the economy, and steady purchases are one reason economic growth has exceeded expectations

Monday, April 21, 2025

Just like in the stock market, greater uncertainty has led to swings in the bond market. These moves, driven by tariffs and a dispute between the White House and the Fed, have pushed interest rates and bond yields higher.

Monday, April 14, 2025

Trade tensions between the United States and China have escalated in recent weeks, with both countries implementing unprecedented tariff increases. For the moment, the U.S. has raised tariffs on Chinese goods to 145%.

Monday, April 7, 2025

Concerns that a trade war will lead to a recession have spread around the globe. The possibility of retaliatory tariffs is on investors’ minds, with China responding with counter-tariffs, increasing the odds of a worst-case trade war...

Thursday, April 3, 2025

President Trump’s new tariffs spark market volatility, with the S&P 500 falling 3%. Explore what reciprocal tariffs mean for trade, corporate profits, and your long-term investment strategy amid global economic shifts.

Wednesday, April 2, 2025

Explore key market and economic insights from Q1 2025, including stock market corrections, tariffs, inflation, and the importance of diversified investing during uncertainty.

Monday, March 31, 2025

Tariff concerns and tech stock volatility have pushed markets near correction. Learn why staying invested, avoiding market timing, and maintaining a diversified portfolio are key for long-term investors.

Monday, March 24, 2025

Federal Reserve policy has been a key driver of markets over the past few years. It’s not surprising to investors that changes in policy direction have resulted in market swings.

Monday, March 17, 2025

Concerns over the economy and stock market volatility have intensified, impacting consumer sentiment and investor confidence.

Tuesday, March 11, 2025

The S&P 500 and Nasdaq have declined year-to-date, raising concerns about a potential recession. Tariffs, inflation, and job cuts add to market uncertainty. Learn how investors can maintain perspective during economic volatility.

Tuesday, March 4, 2025

New tariffs on Canada, Mexico, and China spark market concerns, raising fears of a trade war and economic slowdown. Learn how investors can navigate market volatility with a long-term strategy.

Monday, March 3, 2025

February was a volatile month for stocks. Tech continued the selloff that started in late December, with the Magnificent 7 falling 8.1% in the month. Tariffs and inflation fueled worries about growth as the new Trump administration began im

Monday, February 24, 2025

Market swings often spark investor fear, but history shows that staying invested leads to long-term success. Learn how proper portfolio construction can help balance risk and reward amid economic uncertainty.

Tuesday, February 18, 2025

Concerns over tech stock performance raise questions about market sustainability. Learn how diversification, sector rotation, and long-term strategy can help investors stay balanced.

Thursday, February 13, 2025

Albert Einstein called income taxes "the hardest thing to understand." With the April 15 deadline ahead, learn why tax planning should be a year-round strategy to optimize your financial future.

Monday, February 10, 2025

Wondering if you’ll owe taxes on inherited assets? Learn the key differences between inheritance and estate taxes, state-specific rules, federal exemptions, and strategies to minimize tax burdens. Stay informed on inheritance planning.

Monday, February 10, 2025

Learn how trade tariffs impact markets, the economy, and your investments. Discover key historical insights and strategies for long-term financial success.

Monday, February 3, 2025

January marked a volatile but positive start for investors. The S&P 500 gained 2.7%, AI breakthroughs shook tech markets, and new tariffs raised economic concerns. Explore key drivers, the Fed’s rate pause, and what’s ahead for inflation an

Tuesday, January 28, 2025

Inheritance planning helps grandparents leave a meaningful legacy while minimizing taxes and legal complexities.

Monday, January 27, 2025

Interest rates are fluctuating as investors adjust to economic growth, Federal Reserve policies, and stock market shifts. Learn how these changes impact bond yields, equity risk premiums, and long-term financial planning.

Tuesday, January 21, 2025

Explore the market and economic implications of President Trump’s second term. Learn how policies on taxes, tariffs, energy, immigration, and trade could shape investment strategies in 2025 and beyond.

Monday, January 13, 2025

Discover why the stock market's recent pullback is a natural adjustment & how long-term investors can stay resilient. Explore the impact of interest rates, market valuations, and the rally in AI-driven stocks.

Wednesday, January 8, 2025

The start of the year is the perfect time to prioritize both personal and financial well-being. While physical health often takes center stage in New Year’s resolutions, financial fitness deserves equal attention. This is especially...

Thursday, January 2, 2025

Explore how 2024's strong market performance emphasizes the importance of staying invested during uncertainty. Learn about key sector gains, bull market trends, and strategies for 2025."

Wednesday, December 18, 2024

Discover how emotional and cognitive biases like recency bias, loss aversion, and home bias impact investment decisions. Learn strategies to avoid these traps and stay disciplined for long-term financial success.

Monday, December 9, 2024

Discover key lessons from 2024, a year of unexpected market strength amidst fears of recession and political turmoil. Learn why long-term thinking, balanced portfolios, and strategic planning are crucial for navigating 2025's challenges.

Monday, November 25, 2024

Explore how strong market performance, normalizing inflation, and a resilient economy shaped 2024. Learn why long-term focus matters this holiday season.

Monday, November 18, 2024

With the U.S. national debt nearing $36 trillion, concerns grow over its implications for the economy and markets. Learn how to put government spending in perspective and stay focused on long-term investment goals despite fiscal challenges.

Monday, November 11, 2024

Post-election, markets shift to focus on Fed rate cuts and economic policies. Learn how to navigate high valuations, maintain a long-term investment outlook, and balance portfolios amid economic cycles and inflation trends

Wednesday, November 6, 2024

Donald Trump wins the 2024 election, with Republicans taking the Senate. This article explores what this political shift may mean for the economy, stock market, tax policies, tariffs, and long-term investment strategies.

Tuesday, November 5, 2024

Learn how rising long-term rates affect borrowing, savings, and investments. Explore recent economic trends, job reports, and strategies to manage bonds and portfolios during rate shifts.

Monday, October 21, 2024

Learn how retirees can build a portfolio that withstands inflation, supports longer life expectancies, and optimizes withdrawal rates. With Social Security adjustments slowing, understanding investment strategies is crucial for a secure and

Monday, October 14, 2024

Discover how gold fits into a diversified investment strategy and its relationship with stocks and bonds.

Monday, October 7, 2024

Learn how oil prices impact the global economy and inflation, with a focus on the recent Middle East conflict and U.S. oil production trends. Discover key investment strategies amidst market volatility driven by energy sector dynamics.

Monday, September 30, 2024

As 2024 draws to a close, financial markets continue to defy recession fears, with steady economic growth, reduced inflation, and rising stock market indices. Investors should focus on long-term trends, despite uncertainties around Fed poli

Monday, September 23, 2024

Learn how geopolitical risks, such as the Israel-Hezbollah conflict, affect financial markets. Understand the importance of long-term investment strategies amid global uncertainties in regions like Ukraine, the Middle East, and Asia.

Monday, September 16, 2024

Discover how Federal Reserve rate cuts impact markets and the economy. Learn why understanding the rationale behind these cuts is crucial for investors and what history reveals about their long-term effects on stocks, bonds, and inflation.

Monday, September 9, 2024

With the 2024 presidential election approaching, both Donald Trump and Kamala Harris are outlining their tax policies.

Tuesday, September 3, 2024

Explore the recent market trends and investor insights following Labor Day. Learn how to maintain perspective amidst volatility, understand the Fed's rate cuts, and stay focused on long-term financial goals.

Monday, August 26, 2024

Financial markets have shown resilience, recovering from early August swings and approaching all-time highs. Strong corporate earnings and signals of a potential Fed rate cut are driving the recovery

Tuesday, August 20, 2024

Learn how to manage your financial plans amidst political uncertainty, understanding the true drivers of long-term economic performance, and the importance of separating your political views from investment decisions.

Monday, August 12, 2024

Explore the recent fragility in financial markets, the impact of the unwinding Japanese carry trade, and how investors can stay focused on long-term goals amidst market volatility.

Monday, August 5, 2024

How recent stock market rotations and economic shifts impact investor strategies. From tech stock corrections to Fed rate cut concerns, get insights on navigating market volatility and maintaining long-term financial goals.

Tuesday, July 30, 2024

Market uncertainty has climbed as investors rotate out of large cap technology stocks and into a broader array of sectors and styles, including small caps. Since their respective peaks in mid-July, the Nasdaq Composite Index has declined 7%

Monday, July 22, 2024

Discover how recent events, including President Biden’s announcement and market fluctuations, impact investors. Learn the importance of staying focused on long-term financial goals and the shift towards individual responsibility in retireme

Tuesday, July 16, 2024

Discover how the stock market's recent rally is expanding beyond large cap tech stocks. Learn the importance of diversifying across sectors and styles to achieve long-term financial goals.

Monday, July 1, 2024

Despite economic uncertainty, investors have seen strong gains in the S&P 500, Nasdaq, and Dow Jones. Learn how to navigate upcoming Fed rate cuts, inflation trends, and the impact of the presidential election on your investments.

Tuesday, June 25, 2024

Discover how presidential tax policies influence the stock market, corporate taxes, and your investments. Learn the historical trends, party differences, and strategies to stay level-headed and maintain your long-term financial goals during

Wednesday, June 19, 2024

Explore the fluctuating path of interest rates due to inflation, economic growth, and Fed policies. Understand how improving inflation and potential rate cuts could impact the bond market and diversified portfolios in the coming months.

Monday, June 10, 2024

Learn how to manage market volatility and stay invested for the long term. Explore the benefits of dollar-cost averaging and lump sum investing to achieve your financial goals, even during uncertain economic times.

Tuesday, June 4, 2024

Explore how technological innovations, particularly artificial intelligence, drive long-term economic and market growth. Understand the significance of maintaining a diversified investment portfolio amidst AI trends and market exuberance.

Monday, May 20, 2024

Discover how robust consumer spending and rising household net worth are driving economic growth in mid-2024, despite high inflation and rising debt levels. Learn why consumer financial health is crucial for market performance and long-term

Monday, May 13, 2024

Discover why investors are closely monitoring corporate earnings amid inflation and a slowing labor market. Learn how recent earnings trends and economic fundamentals influence stock market performance and long-term investing strategies.

Tuesday, May 7, 2024

Explore the significance of cash in today's volatile market landscape. Learn how higher cash yields and increased inflows into money market funds impact investment decisions.

Tuesday, April 30, 2024

How the Costs and Benefits of College Affect Financial Plans April 30, 2024 Andrew Kacz Financial Advisor/ Owner For many households, college decisions are a cause for celebration. However, college also represents one of the largest...

Monday, April 22, 2024

How Oil Prices Impact Inflation, the Fed and Markets April 22, 2024 Andrew Kacz Financial Advisor/ Owner The stock market has become increasingly jittery with the S&P 500 experiencing its first 5% pullback of the year. The possibility...

Monday, April 15, 2024

Explore the impact of geopolitical tensions, stubborn inflation, and shifting rate cut expectations on market volatility. Learn how historical data reveals short-lived effects of geopolitics and why long-term perspective is key for investor

Wednesday, April 10, 2024

Explore the historical evolution of tax policies and their impact on investments. From Benjamin Franklin's famous quote to modern-day tax rates, learn why tax planning with a trusted financial advisor is crucial for achieving your financial

Monday, April 1, 2024

Explore insights on market growth, presidential impacts, and expectations of Fed rate cuts. Stay informed to navigate uncertainty and maintain long-term financial goals

Monday, March 25, 2024

Explore the impact of major stock market highs on real estate, from record housing prices to stabilizing commercial markets. Discover the implications for investors amidst interest rate fluctuations, commission settlements, and economic shi

Monday, March 18, 2024

Delve into AI stocks, Fed rate cuts, and economic trends amidst pandemic stimuli. Stay informed for strategic investment decisions amidst evolving market dynamics.

Monday, March 11, 2024

Explore the stock market's pause amid Fed rate cut speculation, with insights on gold, Bitcoin's surge, and diversified sectors influencing S&P 500 returns. Learn the importance of diversification for long-term financial success in a changi

Monday, March 4, 2024

Prioritize fundamentals, business cycles, and historical data over day-to-day election coverage. Stock market returns are historically positive under both parties, underscoring the importance of balanced, non-political investment decisions.

Monday, February 26, 2024

Explore the rising stock market driven by tech giants. Learn the importance of diversification and long-term focus amidst market highs, using historical insights and strategic asset allocation.

Tuesday, February 20, 2024

The crucial impact of consumer spending, comprising over two-thirds of the U.S. GDP. Uncover its influence on economic growth, stock market trends, and investor considerations. Explore factors shaping consumer sentiment, GDP stability, and

Tuesday, February 13, 2024

Insights on the S&P 500's rapid climb to 5,000, breaking new records in under three years. Learn about market cycles, volatility's impact on returns, and the importance of risk management.

Monday, February 5, 2024

Navigate market volatility with insights on the Fed's latest announcement and banking sector news.

Monday, January 29, 2024

Navigate new market highs with confidence. Insights on economic growth, historic market trends, and why waiting for a pullback might not be the best strategy. Stay focused and invested for long-term success.

Monday, January 22, 2024

Discover the S&P 500's record high and the SEC's approval of Bitcoin ETFs. Uncover insights on navigating economic uncertainties and managing digital assets in a volatile market.

Tuesday, January 16, 2024

Discover the impact of the federal budget battle on investors and gain insights on separating politics from portfolios.

Monday, January 8, 2024

Explore the challenges faced by stock & bond markets in the first trading week of 2024.

Tuesday, January 2, 2024

Uncover 2023's financial highlights: robust stock/bond gains, inflation's impact, and market resilience. Insights for 2024, from rebounding bonds to potential Fed rate cuts, guide investors through uncertainties.

Monday, December 11, 2023

Explore the U.S. Aggregate bond index's 2.7% rebound in 2023 amid rising rates. Learn about the banking crisis impact, potential Fed moves, and insights into bond sector performance.

Friday, December 8, 2023

Explore the fading January Effect and the shifting landscape of market patterns.

Monday, November 27, 2023

Explore the stock market's potential earnings growth amid a healthier economy.

Monday, November 20, 2023

Amid challenges like interest rates and conflicts, investors find gratitude in 2023's surprising market strength.

Monday, November 13, 2023

Navigate tax changes, inflation impact, & Social Security adjustments. Stay proactive with professional advice for optimal financial strategies.

Monday, November 6, 2023

Explore the impact of bond market volatility, signs of a softening job market, and the Federal Reserve's influence on economic stability. Gain insights into long-term investment strategies amid market fluctuations.

Monday, October 30, 2023

Explore the concept of cognitive dissonance in investing, as we delve into the recent market correction, the role of technology stocks, and the strong economy.

Tuesday, October 24, 2023

Explore the strength of consumer spending and household balance sheets in today's challenging market. Learn how consumer finances impact the economy and why long-term financial planning is crucial.

Monday, October 16, 2023

Stay informed on how Washington's political landscape affects your investments. Learn about the budget, national debt, and the 2024 election while keeping market resilience in mind.

Monday, October 9, 2023

Explore the historical impact of Middle East conflicts on financial markets. Financial advisor Andrew Kacz provides insights on market dynamics, geopolitics, and investment strategies amid regional turmoil.

Monday, October 2, 2023

Gain valuable insights for long-term investing in Q4 2023. Financial advisor Andrew Kacz shares expert advice on market trends, interest rates, and economic stability.

Monday, September 25, 2023

Outcomes of the Federal Open Markets Committee's September meeting, where rates remained steady, leading to market reactions. The Fed's forward guidance, rate projections, balance sheet adjustments, and inflation concerns to gain insights i

Monday, September 18, 2023

Stocks ended the week roughly where they began as investors digested a mixed set of new economic data. The Dow Jones Industrial Average gained 0.12%, while the Standard & Poor’s 500 slipped 0.16%. The Nasdaq Composite index fell...

Monday, September 18, 2023

Discover how patient investors with a long-term perspective can navigate market fluctuations driven by the business cycle and sector dynamics.

Monday, September 11, 2023

Explore how worries of a Fed interest rate hike and surging oil prices have impacted the stock market. Get insights on the latest economic data and earnings reports. Stay informed for a successful investment strategy.

Monday, September 11, 2023

Understand the significance of oil prices in the global economy and inflation.

Tuesday, September 5, 2023

Discover how falling bond yields, driven by weakening economic data, led to a surge in stock markets. Explore the Dow Jones, S&P 500, and Nasdaq's gains, as well as the impact of labor market cooling on investor sentiment.

Tuesday, September 5, 2023

Discover real yields' impact on investing and financial success. Learn the difference between nominal and real values, crucial for long-term investors.

Monday, August 28, 2023

Learn key principles for financial success: Stay disciplined, save early, focus on long-term goals. Explore investment growth and compound interest. Navigate market turbulence, create lasting wealth.

Monday, August 28, 2023

Stocks fluctuated last week, jostled by fitful bond yields and headline news, before ending strongly following Fed Chair Powell’s comments on the monetary outlook.

Monday, August 21, 2023

Stocks continued their August decline due to rising bond yields and disappointing economic data from China. Dow Jones, S&P 500, Nasdaq, and MSCI EAFE indexes faced setbacks.

Monday, August 21, 2023

Uncover the reasons behind recent market swings caused by rising interest rates and China's economic uncertainty. Learn why long-term investment strategies and a balanced perspective are crucial in navigating financial market volatility.

Monday, August 14, 2023

Discover how the bond market is outperforming 2022 despite recent volatility. Learn about factors influencing interest rates, yield fluctuations, and attractive income opportunities for long-term investors.

Monday, August 14, 2023

Positive inflation data failed to lift stocks from their August doldrums last week as economic data and a ratings downgrade soured investor sentiment.

Monday, August 7, 2023

Stocks faced challenges as cautious investor sentiment prevailed due to rising bond yields. Treasury borrowing increased, and Bank of Japan's yield announcement rattled markets. Mixed labor market signals added to uncertainties.

Monday, August 7, 2023

Despite recent economic challenges, individuals and households have exhibited remarkable resilience. Consumer spending remains steady amidst inflation, interest rates, and housing market shifts.

Thursday, August 3, 2023

Understanding the Impact of Fitch's U.S. Debt Downgrade on Financial Markets and Long-Term Investors. Explore the reasons behind the downgrade, its effects on interest rates, and how history guides prudent investment decisions amidst politi

Monday, July 31, 2023

Recent economic figures, which show improving inflation and steady GDP growth, continue to support the market rally.

Monday, July 24, 2023

Stocks moved to the rhythm of earnings season last week, initially rising on positive earnings surprises and faltering later in the week on key earnings disappointments. 

Monday, July 24, 2023

The U.S. remains a powerhouse, but other regions are shining too. Overcome "home country bias" and explore the benefits of diversifying your investments worldwide.

Monday, July 17, 2023

most important are the many signs that inflation is improving. Recent data for both consumer and producer prices show meaningful signs of deceleration toward Fed targets

Monday, July 17, 2023

Better-than-expected updates last week on consumer and wholesale price inflation buoyed investor sentiment, driving stocks higher and lower bond yields. 

Wednesday, July 12, 2023

Plan for college wisely: Save early, customize your financial plan, and consider economic benefits. Beware rising costs, student loans, and individual factors. Seek guidance for financial success.

Monday, July 10, 2023

Rising concerns about further rate hikes sent stocks lower to kick off the second half of trading. The Dow Jones Industrial Average lost 1.96%, while the Standard & Poor’s 500 retreated 1.16%.

Monday, July 3, 2023

Stocks posted gains for the week to close out a stellar month, aided by positive economic data and reports that all major banks had passed the Federal Reserve’s annual stress test.

Monday, July 3, 2023

7 Market and Economic Insights for the Second Half of 2023July 3, 2023Andrew Kacz | Financial Advisor/ OwnerMajor stock market indices made significant gains in the first half of the year due to improving inflation, slowing Fed rate...

Monday, June 26, 2023

Stock market rally lost momentum due to a lack of significant news. Fed Chair Powell's testimony and global growth concerns contributed to the decline.

Monday, June 26, 2023

How the Market Rally and Interest Rates Impact ValuationsJune 26, 2023Andrew Kacz | Financial Advisor/ OwnerThe past few years are proof that market sentiment can turn on a dime. This year's strong market rally, with the S&P 500 rising...

Tuesday, June 20, 2023

The Fed paused rate hikes in June, but may raise rates later. Inflation is improving, but core inflation remains a challenge. Higher rates have affected the economy, but some sectors remain strong. Other central banks are tightening policy

Monday, June 19, 2023

Stocks rallied last week as positive inflation data eased rate hike concerns. Fed officials hint at more rate hikes, but assess economic impact before deciding. Fed raises 2023 growth forecast to 1% and lowers unemployment projection to 4.1

Monday, June 12, 2023

Discover the true impact of artificial intelligence (AI) while navigating the hype. Long-term investors must be properly invested and maintain perspective as they gain insights into the growth of tech stocks and the influence of falling in

Monday, June 12, 2023

A late-week rally sent stocks into positive territory, with the S&P 500 index closing just shy of the 4,300 mark.The Dow Jones Industrial Average gained 0.34%, while the Standard & Poor’s 500 added 0.39%. The Nasdaq Composite...

Monday, June 5, 2023

Stocks surged higher in the closing days of a holiday-shortened trading week, ignited by a political resolution on raising the debt ceiling and a strong employment report.The Dow Jones Industrial Average rose 2.02%, while the Standard...

Monday, June 5, 2023

The stock market has made significant gains despite market and economic challenges. Explore the driving factors behind these returns and learn how investors can focus on long-run trends instead of being consumed by short-term events.

Tuesday, May 30, 2023

Markets moved in sync last week with perceived movement in debt ceiling talks, weakening early in the week and then surging on news of progress. A solid quarterly report and guidance from a mega-cap technology company helped with enthusiasm

Tuesday, May 30, 2023

Gold can play an important role in a well-diversified portfolio, including its uses as a store of value, a hedge against uncertainty, and a diversifier during financial distress.

Monday, May 22, 2023

Planning for retirement has never been more important and yet so challenging. Given the difficult inflationary conditions of the past two years, the risk that worries most retirees continues to be outliving their savings.

Monday, May 22, 2023

Stocks rallied last week, propelled by growing optimism over reaching a deal on raising the debt ceiling and avoiding a technical debt default by the U.S. The Dow Jones Industrial Average edged 0.38% higher, while the Standard & Poor’s 500

Monday, May 15, 2023

Opening with a quiet start to the week, investors held their breaths as they awaited April's inflation reports scheduled for release on Wednesday and Thursday.

Monday, May 15, 2023

Commercial and residential real estate has been impacted by rising inflation, Fed rate hikes, the ongoing banking crisis, & the approaching debt ceiling deadline.

Monday, May 8, 2023

Regional bank concerns & possibility of hitting the debt ceiling caused volatility in the stock market last week. Despite a rate hike by the Fed, positive earnings & employment reports resulted in a bounce Friday

Monday, May 8, 2023

The national debt has more than doubled over the past decade, and deficits are unlikely to go away. Learn about the federal debt limit, its impact on the economy, and how investors can maintain the right perspective

Monday, May 1, 2023

Last week's earnings reports from Big Tech names and a positive Q1 GDP report have helped stocks rally. However, slowing economic growth due to higher rates and disappointing inflation news pose challenges.

Monday, May 1, 2023

On the morning of May 1, it was announced that First Republic Bank had been taken over by the FDIC and sold to JPMorgan Chase. Eleven major banks had previously infused First Republic with $30 billion in deposits to stabilize the bank after

Monday, April 24, 2023

Stocks remained resilient last week amid mixed earnings reports, hawkish Fed-speak, and lingering recession fears, closing out the five trading days with small losses.The Dow Jones Industrial Average slipped 0.23%, while the Standard &...

Monday, April 24, 2023

The Q1 earnings season reveals insights into the current economic climate and banking crisis. Andrew Kacz, financial advisor, provides valuable information for long-term investors.

Wednesday, April 19, 2023

While Americans do benefit from a trusted dollar, what's important is that the dollar is trusted globally because of the vibrancy and strength of the U.S. economy.

Monday, April 17, 2023

The combination of an improving inflation outlook resulted in a week of uneven, albeit positive, performance, in which cyclical and financial stocks rallied while technology, real estate, and utilities lagged. The Dow Jones...

Tuesday, April 11, 2023

Why Oil, the Fed and Jobs Are Surprising MarketsApril 10, 2023Andrew Kacz | Financial Advisor/ OwnerThere is an old saying that happiness equals reality minus expectations. This is particularly relevant when it comes to financial...

Monday, April 10, 2023

Stocks ended a shortened week of trading mixed amid revived recession fears on Wall Street triggered by weak economic data.The Dow Jones Industrial Average gained 0.63%, while the Standard & Poor’s 500 slipped 0.10%. The Nasdaq...

Tuesday, April 4, 2023

In times of market uncertainty, investors often turn to sayings such as "those who fail to learn from history are doomed to repeat it" and "history never repeats itself, but it does often rhyme." When it comes to the day-to-day headlines...

Monday, April 3, 2023

Stocks rallied last week on receding fears of a widening banking crisis, led by resurging investor interest in technology and communication services names.

Tuesday, March 28, 2023

In this market environment, investors have had no choice but to balance a number of difficult issues related to the tightening of financial conditions.

Monday, March 27, 2023

Modest gains in major market indices masked sharp volatility amid the uncertainty arising from mixed messages emanating from public officials and revived banking fears. The Dow Jones Industrial Average gained 1.18%, while the Standard...

Tuesday, March 21, 2023

Amid the reverberations of two U.S. banks being taken over by regulators and the spread of uncertainty to European banks, stocks trended higher last week on the strength of the technology sector.The Dow Jones Industrial Average was flat

Monday, March 20, 2023

What Ongoing Banking Turmoil and Market Pullbacks Mean for InvestorsMarch 20, 2023Andrew Kacz | Financial Advisor/ OwnerThe banking crisis that began in the U.S. has now spread to Europe. Recent concerns over the solvency of Credit...

Monday, March 13, 2023

Stocks tumbled last week as investors reconsidered their interest rate expectations after Fed Chair Powell’s Congressional testimony that rates may need to go higher. Stocks also were rattled when a west coast bank was placed...

Monday, March 13, 2023

Special Update: Navigating Bank Failures, Fed Rate Hikes, and Risks to the Financial SystemMarch 13, 2023Andrew Kacz | Financial Advisor/ OwnerThe recent failure of three U.S. banks has raised concerns over the economy and financial...

Tuesday, March 7, 2023

The U.S. population, like those of many developed countries, is aging. According to the latest Census figures, a major shift occurred over the past two decades in which the share of the population under 50 declined.

Monday, March 6, 2023

A late-week surge, triggered by reassuring Fed-speak, propelled stocks higher last week. The Dow Jones Industrial Average gained 1.75%, while the Standard & Poor’s 500 advanced 1.90%. The Nasdaq Composite index picked up 2.58% for the week

Tuesday, February 28, 2023

Stock market volatility has once again picked up as recent economic data have led markets to reverse course after a strong start to the year.

Monday, February 27, 2023

Concerns over a firmer monetary policy were heightened by fresh economic data, touching off a climb in bond yields and a slide in stock prices last week.The Dow Jones Industrial Average skidded 2.99%, while the Standard & Poor’s...

Tuesday, February 21, 2023

Why Investors Are Feeling Déjà Vu Around the Fed and InflationFebruary 21, 2023Andrew Kacz | Financial Advisor/ OwnerFor investors, it may feel like déjà vu all over again as inflation and the Fed dominate market...

Tuesday, February 21, 2023

Growing concerns about further interest rate hikes, prompted by fresh economic data, reversed early-week gains and left stocks mixed for the week.The Dow Jones Industrial Average slipped 0.13%, while the Standard & Poor’s 500...

Monday, February 13, 2023

It's that markets never rise in a straight line. As much as all investors would prefer calm periods of steady returns, this simply isn't how markets work. Instead, investors need to navigate alternating periods of exuberance and gloom.

Monday, February 13, 2023

Stocks drifted lower as a week of mixed earnings reports and resurgent worries over Fed monetary policy dragged on investor sentiment. 

Wednesday, February 8, 2023

Thew SECURE ACT 2.0 Act addresses additional issues related to retirement savings, creating new flexibility and accessibility to help individuals plan for a more secure future. How it will affect your retirement plan? Red the overview.

Tuesday, February 7, 2023

While major stock market indices have rallied this year, investors continue to receive mixed signals from the economy. What should long-term investors focus on to stay invested toward their financial goals?

Monday, February 6, 2023

Stocks were mixed last week following better-than-expected corporate reports and increasing optimism over a slowdown in interest rates.The Dow Jones Industrial Average edged lower, slipping -0.15%. The Standard & Poor’s 500 rose...

Wednesday, February 1, 2023

A full recap of the financial market in 2022 and a forward view in 2023.

Tuesday, January 31, 2023

Layoff announcements are ramping up as companies adjust to slowing sales and profitability. With markets already expecting a mild recession in 2023, how should long-term investors maintain perspective on this topic over the next year?

Monday, January 30, 2023

Stocks added to their early 2023 gains amid a busy stream of mixed corporate earnings results and conflicting economic data.The Dow Jones Industrial Average gained 1.81%, while the Standard & Poor’s 500 added 2.47%. The Nasdaq...

Tuesday, January 24, 2023

Recent news coverage of the government's $31.4 trillion borrowing limit has been everywhere. While it's unclear how this will play out , the fortunate news is that financial markets have taken these events in stride.

Monday, January 23, 2023

Stocks showed mixed results last week as recession fears resurfaced in response to weak economic data and a tepid start to a new corporate earnings season.  The Dow Jones Industrial Average skidded 2.70%, while the Standard &...

Tuesday, January 17, 2023

Stocks rallied last week thanks to fresh confirmation of inflation’s cooling trend and growing optimism that an inflation slowdown may provide the Fed with space to ease up on future rate hikes.The Dow Jones Industrial Average...

Friday, January 13, 2023

Here is our 2023 Tax Reference Guide:

Monday, January 9, 2023

A strong Friday rally triggered by fresh signs of moderating inflation pushed stocks into positive territory to begin the new year. The Dow Jones Industrial Average rose 1.46%, while the Standard & Poor’s 500 advanced 1.45%....

Thursday, January 5, 2023

Many retirement account limits have changed for the new calendar year. Here are the most common limits to review for 2023.

Tuesday, January 3, 2023

In a holiday-shortened week, erratic trading left stocks marginally down for the week.The Dow Jones Industrial Average lost 0.17%, while the Standard & Poor’s 500 slipped 0.14%. The Nasdaq Composite index fell 0.30%. The MSCI...

Monday, December 19, 2022

Hawkish comments by the Fed and weak economic data heightened investors’ recession concerns and sent stocks lower last week.The Dow Jones Industrial Average lost 1.66%, while the Standard & Poor’s 500 retreated 2.08%. The...

Wednesday, December 14, 2022

The Season of Giving- Gifting Your AssetsThe holidays are a great time of year. It is a great opportunity to reflect and be with those that matter most. Along with spending time with family and friends, gifting is also on...

Monday, December 12, 2022

Recession fears and concerns that the Fed may consider a longer rate-hike cycle sent stocks lower for the week.The Dow Jones Industrial Average dropped 2.77%, while the Standard & Poor’s 500 fell 3.37%. The Nasdaq Composite index...

Monday, December 5, 2022

Stocks ended higher last week as investors navigated the crosscurrents of a potential easing in future rate hikes and continued strength in the labor market.The Dow Jones Industrial Average edged 0.24% higher, while the Standard &...

Tuesday, November 29, 2022

Over the years, the Fed has followed a similar pattern with interest rates. It raises interest rates, then pauses, so it can see how the economy is adjusting to the higher rates. The chart below shows the Fed’s pattern with...

Monday, November 28, 2022

Growing optimism that the Fed may be ready to ease future interest rate hikes sent stocks higher in a quiet trading week.The Dow Jones Industrial Average gained 1.78%, while the Standard & Poor’s 500 added 1.53%. The Nasdaq...

Monday, November 21, 2022

The stock market edged lower last week as it digested a crosscurrent of conflicting economic data and contrasting comments from Fed officials.The Dow Jones Industrial Average was flat (-0.01%), while the Standard & Poor’s 500...

Monday, November 14, 2022

A cooling inflation number ignited a powerful rally on Thursday, sending stocks to strong gains for the week.The Dow Jones Industrial Average gained 4.15%, while the Standard & Poor’s 500 added 5.90%. The Nasdaq Composite index...

Monday, November 7, 2022

Hawkish comments by Fed Chair Jerome Powell, following the announcement of another 75 basis points interest rate hike last week, cast a pall over financial markets, sending yields higher and stocks lower.The Dow Jones Industrial...

Monday, October 31, 2022

Stocks overcame poor earnings results from some of America’s largest companies to post gains last week as investors cheered positive earnings surprises, easing inflation and a rebound in economic growth.The Dow Jones Industrial...

Monday, October 24, 2022

A positive start to a new earnings season and late-week hopes for a near-term easing in Fed rate hikes lifted investors’ spirits and powered stocks to gains for the week.The Dow Jones Industrial Average jumped 4.89%, while the...

Monday, October 17, 2022

Stocks were mixed last week amid wide intra- and inter-day price swings, as technology shares bore the brunt of the downdraft.The Dow Jones Industrial Average gained 1.15% for the week. Meanwhile, the Standard & Poor’s 500...

Friday, October 14, 2022

An often overlooked task when a significant other passes, is the portability of unused estate tax exemption election. Today, we will dive into the Deceased Spouse’s Unused Exemption Amount (DSUEA), and the recent changes the IRS has made.

Monday, October 10, 2022

A powerful two-day stock rebound cemented a positive week for investors as a new trading month began.The Dow Jones Industrial Average rose 1.99%, while the Standard & Poor’s 500 added 1.51%. The Nasdaq Composite index increased 0...

Monday, October 3, 2022

Rising recession fears and uncertainty in the bond and currency markets sent stocks to new 2022 lows last week.The Dow Jones Industrial Average declined 2.92%, while the Standard & Poor’s 500 slumped 2.91%. The Nasdaq Composite...

Tuesday, September 27, 2022

Last week, Fed Chair Powell said the U.S. would not tame inflation without economic pain. This week heightened recession fears and sent stocks broadly lower.

Friday, July 22, 2022

Sequence of Return Risk: What is it?As you approach retirement, the biggest concern is whether your nest egg will be enough to live on for the rest of your life. As you consider and evaluate your investment portfolio, a little-known...

Tuesday, July 5, 2022

Long-term care is the services and support a person needs to live a comfortable life, especially in their old age when they can no longer do everything for themselves. A long-term care policy could help extend ones quality of life.

Monday, June 27, 2022

Prospects of cooling inflation powered a rally in stock prices last week despite growing recession concerns.The Dow Jones Industrial Average gained 5.39%, while the Standard & Poor’s 500 climbed 6.45%. The Nasdaq Composite index...

Tuesday, June 7, 2022

Welcome to June!What a relief to have May in the rearview mirror after a volatile month (in both the markets and the headlines). Surprisingly, despite weeks of negative performance, the major stock indexes actually finished flat,...

Wednesday, May 25, 2022

A 401(k) is a retirement savings account. Ideally, it's a long-term investment vehicle where employees divert part of their income to have something to live on in retirement. This blog goes into more details on plan specifics.

Wednesday, April 20, 2022

Life insurance often comes in a variety of forms to better cover your specific circumstances. The goal of this blog is to help you understand the differences between the three major lines of life insurance for your financial plan.

Wednesday, April 6, 2022

Within the financial world, it is important to pay attention to all the rules and laws that may apply to the different retirement accounts that you have. One of the most important rules to understand is the Required Minimum Distribution

Wednesday, March 16, 2022

Retirement is meant to be a time to relax, not a time to worry about finances and taxes. In this blog post, we will explain how a ROTH may future-proof your retirement plan.

Wednesday, March 9, 2022