Broker Check

Blog

Here's where you can find many of the articles we post in our Weekly Newsletter, JPA Weekly Market Review (WMR). We also add other interesting points of information and sometimes we even add links to articles on other websites that we find interesting, so, please bookmark this page and check in often.

 

Monday, December 9, 2019

The hows and whys of charity in America. According to Giving USA 2018, Americans gave an estimated $410.02 billion to charity in 2017. That’s the first time that the amount has totaled more that $400 billion in the history of the...

 

Monday, December 2, 2019

Building wealth requires protection from the forces of wealth destruction. When you are planning for your future, what do you think about? You may think about your retirement, enjoying having the time and money to take trips and pursue...

 

Monday, November 25, 2019

Global mutual funds vs. international mutual funds. For investors who are looking to diversify their portfolio with exposure to companies located outside the U.S., there exist two basic choices: a global mutual fund or an international...

 

Monday, November 18, 2019

Thinking about your mortgage. Buying a home is the single largest financial commitment most people ever make. And sorting through mortgages involves a lot of critical choices. One of these is choosing between a fixed- or...

 

Monday, November 11, 2019

Three different approaches. The majority of stock market analysis can be lumped into three broad groups: fundamental, technical, and sentimental. Here’s a closer look at each. Fundamental Analysis. The goal of fundamental...

 

Show All

Monday, November 4, 2019

Some things to consider. During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive,” and that guided how your portfolio was built. Maybe you...

 

Monday, October 28, 2019

Should investors make regular adjustments? Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach? It may sound counter-intuitive, but it may be possible to...

 

Monday, October 21, 2019

What degree of difference could they make for you in retirement? At a certain age, you are allowed to boost your yearly retirement account contributions. For example, you can direct an extra $1,000 per year into a Roth or traditional...

 

Monday, October 14, 2019

How much might health care cost you someday? “Financially speaking, what would be the worst thing that could happen to you?” If you ask a hundred people in their forties that question, you may get a dozen different answers....

 

Monday, October 7, 2019

It is helpful for insurance purposes. It’s great to have insurance against damage and loss, but if you can’t show proof of your possessions, it may result in a protracted settlement process with your insurance company.1...

 

Sunday, September 29, 2019

What financial factors deserve attention? Some of us will marry again in retirement. How many of us will thoroughly understand the financial implications that may come with tying the knot later in life? Many baby boomers and seniors...

 

Sunday, September 22, 2019

Express your wishes. Provided by «representativename» Actor Lee Marvin once said, “As soon as people see my face on a movie screen, they [know] two things: first, I’m not going to get the girl, and second,...

 

Sunday, September 15, 2019

Talk to them about their money (and those who could take it away). Elders are financially defrauded daily in this country. Just a tiny percentage of these crimes are made public. In fact, the National Adult Protective Services...

 

Tuesday, September 10, 2019

Some things to consider. During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive,” and that guided how your portfolio was built. Maybe you...

 

Monday, September 2, 2019

Avoid these situations, if you can. Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible. No Strategy. Yes, the...

 

Monday, August 26, 2019

Indecision can lead to no decision. Investment inaction is played out in many ways, often silently, invisibly, and with potential consequence to an individual’s future financial security. Let’s review some of the forms this...

 

Monday, August 19, 2019

There are those who favor value and those who favor growth. Provided by «representativename» You might be initially confused by these terms or even suspect they aren’t that different in terms of what each model offers...

 

Monday, August 12, 2019

Just how gloomy does its future look? Will Social Security run out of money in the 2030s? For years, Americans have been warned about that possibility. Those warnings, however, assume that no action will be taken to address Social...

 

Monday, August 5, 2019

When to start? Should I continue to work? How can I maximize my benefit? Social Security will be a critical component of your financial strategy in retirement, so before you begin taking it, you should consider three important...

 

Monday, July 29, 2019

What are your options for insuring yourself prior to age 65? If you retire before age 65, you must be prepared to address two insurance issues. One, finding health coverage in the period before you can sign up for Medicare. Two,...

 

Monday, July 22, 2019

The five phases of life after 50 & the considerations that accompany them. The journey to and through retirement occurs gradually, like successive chapters in a book. Each chapter has its own things to consider. Chapter 1 (the fifties)...

 

Monday, July 15, 2019

What the I.R.S. looks for and why. “Audit” is a word that can strike fear into the hearts of taxpayers. However, the chances of an Internal Revenue Service audit aren’t that high. In 2017, the I.R.S. audited 0.5% of...

 

Monday, July 8, 2019

Here are six flags that could make your tax return prime for an I.R.S. audit. No one wants to see an Internal Revenue Service (I.R.S.) auditor show up at their door. But in 2018, the I.R.S. budget is roughly $1 billion less than it was...

 

Monday, July 1, 2019

Insurance When You're Newly Married Assess the coverage for your new household. Marriage changes everything, including insurance needs. Newly married couples should consider a comprehensive review of their current, individual insurance...

 

Monday, June 24, 2019

A lack of money is but one answer. Provided by «representativename» Common wisdom says that you should start saving for retirement as soon as you can. Why do some people wait decades to begin? Nearly everyone can save...

 

Monday, June 17, 2019

Some things you have no influence over. You may have some power to affect other factors. Provided by «representativename» Are you worried about retiring? Many baby boomers are, and they have reason to be, given low interest...

 

Monday, June 10, 2019

Provided by «representativename» A classic retirement planning rule states that you should retire on 80% of the income you earned in your last year of work. Is this old axiom still true, or does it need reconsidering? Some...

 

Monday, June 3, 2019

The notion that we separate from work in our sixties may have to go. Provided by «representativename» An executive transitions into a consulting role at age 62 and stops working altogether at 65; then, he becomes a buyer...

 

Monday, May 27, 2019

Working a little (or a lot) after 60 may become the norm. Do we really want to retire at 65? Not according to the latest annual retirement survey from the Transamerica Center for Retirement Studies which gauges the outlook of American...

 

Monday, May 20, 2019

It might be better to wait a bit longer. Some people retire at first opportunity, only to wish they had waited longer. Thanks to Wall Street’s long bull run, many pre-retirees have seen their savings fully recover from the shock...

 

Monday, May 13, 2019

Retirement income may come from a variety of sources. For many people, retirement income may come from a variety of sources. Here’s a quick review of the six main sources: Social Security. Social Security is the...

 

Monday, May 6, 2019

Six overlooked tax deductions to help you manage your tax bill. Who among us wants to pay the Internal Revenue Service more taxes than we have to? While few may raise their hands to voluntarily pay more taxes, Americans regularly...

 

Monday, April 29, 2019

Having your identity stolen may be costly. Many Americans have taken steps in recent years to protect their personal information, but savvy cybercrooks have overcome some of those defenses. A 2018 Javelin Research report found identity...

 

Monday, April 22, 2019

The list of these options has grown. An IRA, or Individual Retirement Account, is a tax-advantaged savings account that is subject to special rules regarding contributions and withdrawals. One of the central rules of IRAs is that...

 

Monday, April 15, 2019

What is it and why is it important? While nature offers four seasons, Wall Street offers only one – four times a year. It’s called “earnings season,” and it can move the markets. So, what is earnings season, and...

 

Monday, April 8, 2019

What steps could you take to catch up? If life has not allowed you to build substantial retirement savings, what can you do to improve your retirement prospects? Here are some suggestions. Play catch-up. If at all possible, take...

 

Monday, April 1, 2019

Key lessons for retirement savers. You learn lessons as you invest in pursuit of long-run goals. Some of these lessons are conveyed and reinforced when you begin saving for retirement, and others you glean along the way. First &...

 

Monday, March 25, 2019

What might you think of doing when? If you had a timeline of the financial steps you should probably take in life, what would it look like? Answers to that question will vary, but certain times of life do call for certain financial...

 

Monday, March 18, 2019

Steps that may help to address a savings shortfall. Were you born within the years 1965-1980? That makes you a member of Generation X, and it means you are between ages 35-50. Gen Xers now constitute “the sandwich...

 

Monday, March 11, 2019

Someday, you or your parents could be at risk. You may know victims of financial elder abuse. According to a new Wells Fargo Elder Needs Survey, almost half of Americans do.1 As you read or hear stories about seniors being financially...

 

Monday, March 4, 2019

Without such strategies, they can risk going through their savings too fast. Every day, articles appear urging people to save for retirement. These articles are so prevalent that it may seem like retirement planning is entirely about...

 

Monday, February 25, 2019

Today’s retirees must be more self-reliant than their predecessors. Decades ago, retirement was fairly predictable: Social Security and a pension provided much of your income, you moved to the Sun Belt, played tennis or golf, and...

 

Monday, February 18, 2019

A calm investor may realize better long-term returns than an overly concerned one. Investors are people, and people are often impatient. No one likes to wait in line or wait longer than they have to for something, especially today when...

 

Monday, February 11, 2019

What steps might help you sustain and grow your retirement savings? “What is your greatest retirement fear?” If you ask retirees that question, “outliving my money” may likely be one of the top answers. Retirees...

 

Monday, February 4, 2019

It may not sound enticing, but creating a will puts power in your hands. According to the global analytics firm Gallup, only about 44% of Americans have created a will. This finding may not surprise you. After all, no one wants to be...

 

Monday, January 28, 2019

Like an emergency fund, it can come in handy. Sometimes, life gets expensive. A little bad luck or a twist of fate can hit us right in the checkbook and challenge us to live within our budget. An emergency fund may help us handle major...

 

Monday, January 21, 2019

If you are between 40 & 60, beware of these financial blunders & assumptions. Between the ages of 40 and 60, many people increase their commitment to investing and retirement saving. At the same time, many fall prey to some common...

 

Monday, January 14, 2019

Baby boomers entering their “second acts” should think about these matters. Retirement is undeniably a major life and financial transition. Even so, baby boomers can run the risk of growing nonchalant about some of the...

 

Monday, January 7, 2019

Are you aware of them? The federal government offers some major tax breaks for older Americans. Some of these perks deserve more publicity than they receive. If you are 65 or older, your standard deduction is $1,300 larger. Make that...

 

Monday, December 31, 2018

Some are planning wisely, but others are beset by mistakes. Generation X has become the new “sandwich” generation. Many Americans born during the years 1965-80 are finding themselves caring for aging parents and growing...

 

Monday, December 24, 2018

For many married couples, filing jointly is a good idea, but there are exceptions. Ninety-five percent of married couples file joint federal tax returns. Filing jointly can be convenient. Frequently, there’s a financial advantage...

 

Monday, December 17, 2018

Have a home-based business? Have a teen driver? Consider umbrella insurance. In 2017, the U.S. had a record 11.5 million millionaires, up from 10.8 million in the previous year. An increase in personal wealth may bring greater...

 

Monday, December 10, 2018

An underappreciated fundamental in financial planning. You’ve probably heard the saying that “cash is king,” and whether you own a business or not, it is a truth that applies. Most discussions of business and personal...

 

Monday, December 3, 2018

Even the most seasoned investors are prone to their influence. Investors are routinely warned about allowing their emotions to influence their decisions. They are less routinely cautioned about letting their preconceptions and biases...

 

Monday, November 26, 2018

Financial burdens could alter their retirement prospects. Imagine retiring with $50,000 of debt. Some new retirees owe more than that. Outstanding home loans, education debt, small business loans, and lingering credit card balances...

 

Monday, November 19, 2018

It may need to be adjusted due to the 2017 federal tax reforms. The Internal Revenue Service has a message for you. You may need to adjust the amount withheld from your paycheck or the size of your estimated tax payments because the...

 

Monday, November 12, 2018

If you live to 100, can you avoid outliving your money? Will you live to 100? Your odds of becoming a centenarian may be improving. Earlier this year, the Centers for Disease Control reported that the population of Americans aged 100...

 

Monday, November 5, 2018

What are your options for insuring yourself prior to age 65? If you retire before age 65, you must be prepared to address two insurance issues. One, finding health coverage in the period before you can sign up for Medicare. Two,...

 

Monday, October 29, 2018

You may be surprised to learn about the potential relationship. Does your credit history partly determine the cost of your life insurance? It may. The potential for such a relationship may surprise you – and the relationship is...

 

Monday, October 22, 2018

How ready are you? What if you are laid off or forced into retirement before 65, or even before 60? If that happens to you, what do you do in response now that the next phase of your life is starting sooner than you planned? As a first...

 

Monday, October 15, 2018

Examining the potential differences between assumption & reality. Financially, how might retirement differ from your expectations? To some degree, it will. Just as few weather-casters can accurately predict a month’s worth of...

 

Monday, October 8, 2018

They should not be left ill-informed or unaware. Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create...

 

Monday, October 1, 2018

Before you enroll, take note of what the insurance does not cover and the changes ahead. Misconceptions about Medicare coverage abound. Our national health insurance program provides seniors with some great benefits. Even so,...

 

Monday, September 24, 2018

Federal law says you can, but you may want to think twice about it. When President Trump signed the Tax Cuts & Jobs Act into law late in 2017, new possibilities emerged for the tax-advantaged investment vehicles known as 529 college...

 

Monday, September 17, 2018

Fall is a good time to assess where you stand and where you could be. You need not wait for 2019 to plan improvements to your finances. You can begin now. The last few months of 2018 give you a prime time to examine critical areas of...

 

Monday, September 10, 2018

Take these financial lessons to heart. You have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that. Live below your means and refrain from living on margin. How...

 

Monday, September 3, 2018

A few things you may want to think about before filing for benefits. Whether you want to leave work at 62, 67, or 70, claiming the retirement benefits you are entitled to by federal law is no casual decision. You will want to consider...

 

Monday, August 27, 2018

What should you focus on as the transition approaches? You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting...

 

Monday, August 20, 2018

Have you considered the factors that may promote inequality in wealth transfer? Suzanne is widowed and has four adult children. Her investment portfolio is worth $1 million, and she owns a bed-and-breakfast inn worth $1 million as well...

 

Monday, August 13, 2018

What steps can a family take? Besides impacting lives and relationships, dementia can also impact family finances. It may call for another family member to assume money management responsibilities for a parent, grandparent, or sibling....

 

Monday, August 6, 2018

Too often, it persuades investors to make questionable moves. Fear affects investors in two distinct ways. Every so often, a bulletin, headline, or sustained economic or market trend will scare them and make them question their...

 

Monday, July 30, 2018

Resist the temptation. Your future self will thank you. Retirement accounts are not bank accounts. Nor should they be treated as such. When retirement funds are drawn down, they impede the progress of retirement planning, even if the...

 

Monday, July 23, 2018

What pre-retirees owe could compromise their future quality of life. The key points of retirement planning are easily stated. Start saving and investing early in life. Save and invest consistently. Avoid drawing down your savings along...

 

Monday, July 16, 2018

It only makes sense – yet many retirees live without one. You won’t be able to withdraw an unlimited amount of money in retirement. So a retirement budget is a necessity. Some retirees forego one, only to regret it later....

 

Monday, July 9, 2018

There are incidents that standard policies may not cover. No insurance policy will protect you from everything. Even the most comprehensive umbrella liability policy has its shortcomings. A good auto, homeowner, or renter policy will...

 

Monday, July 2, 2018

A review of some options for federal and private loans. Are you dealing with student loan debt? Have you explored ways to try and restructure it or have it forgiven?No one wants to carry five figures of education debt into middle age...

 

Monday, June 25, 2018

Do it smartly, without the all-too-common missteps. According to Sallie Mae, U.S. families with one or more college students spent an average of $24,164 on tuition, housing, and linked expenses in 2015. That was 16% more than in 2014.1...

 

Monday, June 18, 2018

Dispelling some misconceptions about the program. Some myths & misconceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits. Myth...

 

Monday, June 11, 2018

To consolidate or not: that is the question. Some couples elect to consolidate their personal finances, while others largely keep their financial lives separate. What choice might suit your household?The first question is: how do you...

 

Monday, June 4, 2018

Turn your intent into a commitment. Goals give you focus. To find and establish your investing and saving goals, first ask yourself what you want to accomplish. Do you want to build an emergency fund? Build college savings for your...

 

Monday, May 28, 2018

They are all too common. Many households think they are planning carefully for retirement. In many cases, they are not. Weak spots in their retirement planning and saving may go unnoticed. Couples should recognize that they may face...

 

Sunday, May 20, 2018

Working longer might work out well for you. Are you in your fifties and unsure if you have enough retirement savings? Then you have two basic financial choices. You could start saving and investing more of your pay than you currently...

 

Sunday, May 13, 2018

Catching Up on Retirement Saving If you are starting at or near 50, consider these ideas. Provided by «representativename» Do you fear you are saving for retirement too late? Plan to address that anxiety with some positive...

 

Sunday, May 6, 2018

A recent poll of pre-retirees suggests that truth risks being ignored. Steady income or a lump sum? Last year, financial services firm TIAA asked working Americans: if you could choose between a lump sum of $500,000 or a monthly income...

 

Monday, April 30, 2018

With or without the estate tax, it addresses several key priorities. Every few years, predictions emerge that the estate tax will sunset. Even if it does, that will not remove the need for life insurance in estate planning. Why? The...

 

Monday, April 23, 2018

A to-do list for the twentysomething. Did you recently graduate from college? The years after graduation are crucial not only for getting a career underway, but also for planning financial progress. Consider making these money moves...

 

Monday, April 16, 2018

What you need to know. When you reach age 70½, the IRS instructs you to start making withdrawals from your Traditional IRA(s). These IRA withdrawals are also called Required Minimum Distributions (RMDs). You will make them...

 

Monday, April 9, 2018

Setting a strategy down may help you define just what you need to do. Many people save and invest vaguely for the future. They know they need to accumulate money for retirement, but when it comes to how much they will need or how they...

 

Monday, April 2, 2018

Even with less itemizing, there are still tax documents you want to retain for years to come. Fewer taxpayers are itemizing in the wake of federal tax reforms. You may be one of them, and you may be wondering how many receipts, forms,...

 

Monday, March 26, 2018

These spending and investing precepts may encourage its longevity. All retirees want their money to last a lifetime. There is no guarantee it will, but, in pursuit of that goal, households may want to adopt a couple of spending and...

 

Monday, March 19, 2018

Financially speaking, what do some households do right? Why do some households tread water financially while others make progress? Does it come down to habits? Sometimes the difference starts there. A household that prioritizes paying...

 

Monday, March 12, 2018

Health Savings Accounts may provide you with remarkable tax advantages. Provided by «representativename» Why do higher-income households inquire about Health Savings Accounts? They have heard about what an HSA can...

 

Monday, March 5, 2018

Financially speaking, what moves might you want to make? By choice or by chance, some people wrap up their careers before turning 60. If you sense this will prove true for you, what could you do to potentially make your retirement...

 

Monday, February 26, 2018

The two should not be confused. What is risk? To the conservative investor, risk is a negative. To the opportunistic investor, risk is a factor to tolerate and accept. Whatever the perception of risk, it should not be confused with...

 

Tuesday, February 20, 2018

After 20 months of relative calm, this volatility needs to be taken in stride. Are you upset by what is happening on Wall Street? It may help to see this pullback within a big-picture context. Corrections have become so rare as of late...

 

Monday, February 19, 2018

Help make things easier for your loved ones when you leave this world. Who wants to leave this world with their financial affairs in good order? We all do, right? None of us wants to leave a collection of financial mysteries for our...

 

Monday, February 12, 2018

The answer depends on your income. Your Social Security income could be taxed. That may seem unfair, or unfathomable. Regardless of how you feel about it, it is a possibility. Seniors have had to contend with this possibility since...

 

Monday, February 5, 2018

Why are they made again and again? Much has been written about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these blunders, there are also some classic financial...

 

Monday, January 29, 2018

Think about these matters before you leave work for the last time. Retirement planning is not entirely financial. Your degree of happiness in your “second act” may depend on some factors you cannot quantify. Here are a few...

 

Monday, January 22, 2018

Build your emergency fund this year. Provided by «representativename» How much does the average American household have in the bank? Estimates vary, but the short answer to this question is “not enough.” Last...