About stephen

This author has not yet filled in any details.
So far stephen has created 24 blog entries.

How Safe Is Your Financial & Estate Plan After the SECURE Act?

The Setting Every Community Up for Retirement Enhancement Act of 2019 a/k/a the “SECURE Act” made sweeping changes to expand retirement savings options.1 That’s the good news. The bad news is that it also completely gutted the concept of the ‘stretch IRA’ for beneficiaries of IRAs and similar retirement plans. Under the pre-SECURE Act tax [...]

2020-02-06T09:47:23-05:00February, 2020|George Marron, Published in the Daily Record|

Year End Investment Checklist

As we approach the end of 2019 there is still time for some very important financial and investment planning items before the calendar turns to 2020. Here are a few to consider if you have not done so already: Retirement Plan Contributions: If you have the opportunity to participate in an employer sponsored plan like [...]

Is the Tide Turning Toward Internationals?

Through the second week of November, domestic stocks, as measured by t he S&P 500 Index, have returned a total of 26.7%. International stocks, as measured by the MSCI All Country World ex-U.S. Index have returned a total of 16.6%.1 Needless to say, there are very few unhappy equity investors out there today. This is [...]

2019-11-21T12:41:43-05:00November, 2019|Charles T. Trible, Published in the Daily Record|

How Your Brain Impacts Your Investment Decisions

The Golden Rule of Investing is “Buy Low, Sell High”. Seems rather simple and easy to follow, so why do individual investors consistently underperform market indices? Despite the simplicity of the rule, it turns out it’s difficult to implement. Countless factors impact how individuals make decisions on a daily basis, and, generally speaking, these factors [...]

2019-11-06T09:06:22-05:00November, 2019|Michael Donnelly, Published in the Daily Record|

Indicators of Future Returns

Returns on stocks and bonds have been quite impressive over the past 10 years ending September 30, 2019. In fact, stocks (as measured by the S&P 500 Index) have had a total return just over 13% per year, while the 10-year U.S. Treasury bond has had a total return of approximately 4% annually1. While it’s [...]

2019-11-05T09:35:07-05:00October, 2019|Daniel Lippincott, Published in the Daily Record|

Now is a Good Time to Consider Alternative Investment Strategies

Negative yielding bonds overseas, coupled with slowing growth due to the trade war with China and a dovish Fed, has pushed long-dated Treasury yields to historically low levels.1 Investors searching for income have gravitated toward the defensive sectors of the stock market, particularly the RUST sectors (i.e., REITs, Utilities, Consumer Staples, and Telecom), resulting in [...]

2019-10-02T15:14:27-05:00October, 2019|James Quackenbush, Published in the Daily Record|


Interest rates around the world have declined to some of the lowest levels in my lifetime of 70 plus years. The 30-year U.S. Treasury was at its lowest yield ever in August1 since being first issued in the mid 1980’s. The long-term (30-year) U.S. Treasury is selling at a yield that is about ¼ of [...]

2019-10-02T15:05:35-05:00September, 2019|George Karpus, Published in the Daily Record|

Active vs Passive: A Longer-Term Perspective

Let’s face it, passive investing is all the rage. It makes perfect sense when, since 2011, active large-cap equity management has only outperformed in one year. Some are wondering if active management has any future. In the current black or white, this or that, all or nothing climate of discourse, data gathered by Hartford [...]

Withrdrawal Considerations for IRAs

An individual retirement account (IRA) is an important savings vehicle that allows individuals to make pre tax contributions into their own investment portfolio. There are annual contribution and household income limits to determine your investment for the given year. The contributions can be deducted on your taxes and the investments in the account grow tax-free [...]

The SECURE Act – The Good and the Bad

There are potentially impactful changes to the laws regarding employer’s qualified plans and family savings plans in the works right now in Congress. These changes, if enacted into law, would require amending retirement plans to reflect mandatory and elective changes. The U.S. House passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act by [...]

2019-08-02T10:29:45-05:00August, 2019|Published in the Daily Record, Scott Hansen|