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  • SEC Changes: T+1 Settlement Date 2024

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    In all market transactions, timing is pivotal. The Securities and Exchange Commission has mandated a shorter industry-wide settlement period beginning May 28, 2024. Next day trade settlement, known as T+1(Trade Day +1) is the next step in an ongoing regulatory evolution aimed at enhancing market efficiency and reducing risk. The impending shift to a T+1 settlement cycle represents a structural change to the cadence of security transactions. Less time will elapse between trade execution and final settlement, a move with implications for liquidity management and operational processes throughout the securities industry. ... Read More

  • 2024 Social Security Update: What Investors Need to Know

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    Decades ago, retirees could rely on the proverbial gold watch and the promise of unwavering financial support from Social Security in their twilight years. Yet, the landscape of retirement funding is evolving. Change is imminent. As investors observing the horizon of fiscal policy, particularly that which concerns Social Security, the 2024 updates beckon a significant degree of scrutiny and strategic consideration.... Read More

  • Stock Market Reactions to War and Terrorist Attacks: A Historical Analysis

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    The stock market is often seen as a barometer of a nation's economic health and stability. Unsurprisingly, geopolitical events such as wars and terrorist attacks can lead to significant volatility. This article explores how key stock markets have reacted in the immediate aftermath of such events and the ensuing days and weeks, focusing on specific historical incidents.... Read More

  • Effective Portfolio Risk Management in Volatile Markets

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    At the heart of effective risk management lies a deep understanding of portfolio risk. Portfolio risk encompasses the potential for fluctuating returns due to the dynamic and often unpredictable nature of investments. It includes various forms of risk such as market volatility, credit risk, liquidity risk, and event-driven disruptions,. Each posing unique challenges to the stability and performance of an investment portfolio. This inherent uncertainty in achieving expected returns necessitates a strategic approach to asset allocation and diversification, aiming to balance the scales of risk and return.... Read More

  • Is Your Home Part of Your Retirement Plan?

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    Retirement planning involves ensuring you have enough assets and handling them prudently to provide you with the income you want throughout your retirement But what about the asset you live in? Factoring your home into your retirement planning has an impact on your lifestyle choices, your available income, your late-stage retirement, and even your estate plan.... Read More

  • Managing Your Tax Risk with Diversification

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    Managing the volatility of investment assets by creating a diversified portfolio is one of the basic principles of investing. Dividing up your investments by asset classes can help you create the income stream you need, once you become dependent on your savings and investments in retirement. Your goal is to create a risk-adjusted return that you can live on, but that is also a balance of selecting investments that allow to you sleep at night, but also keep you from missing out on potential upside.... Read More

  • Financial Planning Principles: Organizing Your Money for a Secure Future

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    Getting organized, including managing finances, is one of those goals that seems life-changing if you could achieve it. Yet, it always feels just out of reach. The desire for organization is the basis of a very big industry that covers everything from super engaging software tools to the resurgence of old-school paper-based planners and journals to shelving, closets, and storage for everything and every room in your house. The process can be enjoyable, and the results can make your life feel more in control and can make your space less cluttered. The problem is that humans seem to always get more stuff, or they get busy and don’t put the stuff back where it belongs. Additionally, there's a very understandable reluctance to part with possessions.... Read More

  • Navigating the Inflation Landscape: Tax Planning Strategies for 2024

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    The inflation rate has precipitously dropped from the forty-year highs we saw in 2022, but it remains elevated. While we are seeing the relief on prices, there are some positive impacts of higher inflation. The IRS links tax brackets, deductions, and retirement savings contributions like 401(k)s to inflation, allowing for increased retirement savings, reduced taxes, and higher earnings without shifting into a higher tax bracket. Despite expected decreases in inflation, changes in tax brackets, standard deductions, and contribution limits are likely to remain permanent.... Read More

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