Our Latest Market Commentary

Bonds, Safety, and Market Crashes

Welcome to the 2nd installment of “Nerdvember!”  If you want to catch up on last week’s nerdy article, click here for The Good, Bad, and Ugly.   However, these articles do not build upon each other, so there’s no need to read last week’s in order to understand what you’re going to consume today.  Speaking of, today, I want to teach you about risk in stocks, risk in bonds, and when we’re faced with a potential market crash, how that typically looks.  Alright, let’s talk some nerdy stuff! read more…

Social Security Changes You Can Expect in 2019!

In the wake of the midterm elections, the Social Security Administration announced some new changes to the Social Security program effective January 1, 2019. Read on to learn a little about what you can expect:

Employees are currently required to pay 6.2% Social Security tax (employers match that payment) on income up to $128,400.  In 2019, this maximum taxable earnings number will increase to $132,900.

What the social security administration defines as full retirement age (FRA) will continue to increase.  62 years of age is currently the absolute earliest one can begin receiving social security benefits.  However, claiming your benefits before full retirement age will result in a permanently reduced payout.  If you turn 62 in 2018, your full retirement age is 66 and 4 months, but if you turn 62 in 2019, your FRA increases to 66 and 6 months.  FRA is fixed to increase by two months each year until it hits 67. (Anyone born in 1960 or after will have a FRA of 67). read more…

The Good, Bad, and Ugly

Welcome to “Nerd-vember!”  …the month when I “nerd out” for each and every one of our updates on the state of the markets!  I’ll let you in on a little secret – I’ve been looking forward to this month since the beginning of the year.  For the five Friday’s in November, I’m going to discuss buying strategies, selling strategies, market indicators, and other nerdiness.  This week, however, I’m going to kick off Nerdvember with some scenarios from which the stock market could evolve over the next few months – the good, the bad, and the ugly.  Alright, let’s go! read more…