Insights

Drawing on our deep industry knowledge, we assist clients with access to a wealth of insights and educational resources. Here, you can gain valuable perspectives on current market dynamics and explore our comprehensive retirement resources, offering a collection of financial planning, wealth management, and investment strategies.

Timely Q & A

A lot of our clients want to know what is meant by the term parabolic rise in a stock price. A parabolic rise is best shown by this illustration. You get a stock that’s basing, the price just stays stable, goes up and down a little bit, and then some news comes out and “boom”

Phil Albitz on the Steven Spierer Show, December 10, 2022

Thank you for joining us, ladies and gentlemen. We are live Saturdays, 10:00 a.m. Pacific, 01:00 p.m. Eastern from Studio M in Los Angeles, I am Steven Spear. This is talkradio one.com for the 10th day of December, 2022. My email address, Steve at talkradio one. Steve@talkradioone.com if you have a pension plan or a

Current Market Thoughts

There is no doubt that 2022 has been a tough year for the financial markets. This is what a bear market looks like. Since topping out in early January of this year, asset values have been falling across the board. Other than cash, there hasn’t been any where to hide. Stocks, bonds, real estate, even

U.S. Treasury Yields Rise to Highest Levels in Over a Decade

Underlying the market turmoil has been the Fed’s aggressive interest rate increases and the resulting jump in bond yields. In the third quarter, investors saw two more hikes of .75 percentage points, one in July and the other in September. The effective federal funds rate now stands at 3.00%-3.25%, its highest level since 2008. Before

Your Digital Estate Plan

If you have completed your traditional estate plan (Will, Trust, Directives, etc.), you’ve taken a big step for the benefit of your family. After you finalized the plan by ensuring personal assets were retitled under your Trust, confirming your beneficiaries are current, and your durable powers are set (healthcare, financial, attorney), you may think you’re

Why Do Interest Rates on Savings Accounts Remain So Low in a Rising Rate Environment?

In recent months the Federal Reserve has been engaged in a campaign of raising interest rates aggressively, in its effort to tame the inflation monster. Thus far this has affected mortgage rates (which have doubled since the beginning of the year to 7%), car loans, and credit-card balances. However, the yield on a bank savings

TD Ameritrade and Charles Schwab Merger Update

In 2019, TD Ameritrade Holding Corporation was purchased by the Charles Schwab Corporation. The merger between the two firms has created the largest investment custodian for registered investment advisors providing custody services for over $7 trillion in client assets. The size and scope of the combined entity should help keep investor costs low and allow

Series I Savings Bonds

About a year ago, in June of 2021, I wrote an article about Series I Savings Bonds. These bonds are issued by the U.S. Treasury and can only be purchased directly at TreasuryDirect.gov. They were yielding 3.54% which was noteworthy at the time. However, with inflation still on the rise, the rate on these bonds

The State of the Market

Well, here we go again. It’s been a while, but a bear market is upon us. Unfortunately, it is a bear market in most every asset class: stocks, bonds, gold, crypto; they are all in downtrends. Real estate is probably the next shoe to drop. It has been estimated that $8 trillion in household wealth

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