Here in the “Old Line” state, Maryland, restrictions on non-essential businesses and social gathering have been modified as of Friday.  While not a full-throated cry of “Open for Business”, it is extensive enough to give people a sense that some normalcy is returning.  It remains to be seen what broader impact the pandemic has on…

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As many individuals near the age of retirement, ensuring that they have enough money to support their long-term retirement goals can feel overwhelming. Preparing for retirement is a taxing job, and without proper guidance, you may struggle to retire with the financial resources you both want and deserve. Here, wealth planning professional Peter O’Neill of…

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I was briefly tempted to name this article after the movie “Back to the Future”, but felt a flippant title was inappropriate.  I’m sure some comedians are already mining the COVID-19 crisis for material, but it seems too early for jokes. Based on various charts and data models, it appears that much of the country…

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2020 has already brought with it a plethora of curveballs. Coronavirus has plagued the country and world in more ways than one—the stock market cratered while the coronavirus count steadily rose, and businesses, individuals and families in the country collectively held their breath in the initial days our government leaders debated whether or not all…

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The apocryphal Chinese curse/blessing goes something like this: May you live in interesting times.  Without a doubt, we are living in a period of historic significance.   Certainly, the markets have been disrupted in ways I have never seen in my career.  This only solidifies my belief in ensuring your time horizon is long enough to…

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At the end of 2019, we saw major changes in legislation that could impact financial planning and preparation for retirement. These new initiatives include The Social Security 2100 Act, The Secure Act, an increase in 401(K) contribution limits and more that could provide new opportunities for saving for the future, or at least inspire you…

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Every investment portfolio or retirement plan should have its own detailed structure and goals. Whether you are a young adult who is looking to grow your portfolio for retirement or an experienced investor who wants to simply hold on to what they have accumulated, there should be an individualized approach to your portfolio that is…

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Market Update: While this week’s decline in the market is concerning, I believe this is the market’s overreaction to uncertainty.  As measures are put into place to combat the Coronavirus, we’ll find that the market has over-corrected.  The number one thing clients should be concerned with is if their time horizon has changed.  If not,…

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While my two children share some characteristics, they are both very much individual and distinct people.   I’m always proud to watch them to think through issues and articulate their positions.  We have tried to teach them to be respectful whether they agree with someone or not.  If they do get into a debate, the use…

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Have you ever come to the realization that your understanding of something in your past was wrong? In other words, at a later point you became aware that your memory of an event or time period was false.  I’ll try to explain. At an early age, I considered myself to be a well read and…

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