Politics and Your Portfolio: Why Diversification is Your Best Defense

In the wake of U.S. elections, emotions often run high — especially when it comes to how political outcomes might affect financial markets. Financial Planning magazine asked 320 advisors “how will the US election outcome influence your retirement plan?” A staggering 90% anticipated a negative impact on their clients’ portfolios. This survey was from 2016, […]
Making the Case for International Exposure

“Why would I invest in anything other than the S&P 500 if it continues to do so well?” This is a question that is commonly asked by many of our clients over the past few years. To truly optimize your portfolio and ensure you’re not missing out on potential opportunities, it’s crucial to understand the […]
New Options for SUNY ORP at TIAA

Starting July 23, 2024, TIAA is offering a new lifecycle fund program and an investment option for the SUNY Optional Retirement Program. SUNY Targeted Allocation Retirement Series (STARS) The STARS program is a hands-free approach that utilizes a combination of investment options to arrive at an allocation based on the participant’s projected retirement date. STARS […]
Navigating The Fed’s Interest Rate Strategy

With today’s interest rate environment, investors have been able to capitalize off high-yielding money market funds and/or savings accounts. We do not anticipate this kind of yield forever, since the Federal Reserve indicates plans to decrease interest rates gradually. Based on the Fed’s plan, investors should expect to earn a similar yield on their cash […]
How to Improve your Credit Score

Your credit score is more than just a number; it’s a critical component of your financial picture. A high credit score can unlock lower interest rates on loans, better credit card offers, and even impact your ability to rent an apartment or acquire a motor vehicle. Here are some actionable steps to take if you’re […]