Carnegie Investment Counsel Blog

 

Has Something Changed? Understanding Market Trends at the End of 2019

Posted by Brent Luce on Dec 3, 2019 11:30:00 AM

Anyone who follows the equity markets on a stock by stock (or company by company) basis (like me) has likely noticed that the market has experienced a clear shift in behavior since early September.

Some examples of this include:

  • Significant strength in the Financial sector with many financial stocks hitting all-time highs
  • Significant strength in Industrials, with many at new highs
  • A clear shift toward value stocks and away from smaller/newer growth stocks
  • A shift away from the previous winners and into the previous losers
  • Many of the “S-Curve” plays – see blog from 11/4/19 – have declined
  • Weakness in REITS, utilities and consumer staples stocks 
  • All-time highs in the major market indices
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Topics: Market News, Investment Management

Special Needs Financial Planning in Eight Simple Steps: A Guide for Parents

Posted by Byran Blackburn on Nov 26, 2019 11:00:00 AM

Raising a child with special needs has its own rewards. Someone once said, it's like taking a trip and arriving in Copenhagen when you thought you were going to Paris. Copenhagen has its own joys, but they may not be what you imagined about Paris. The milestones you dreamed of before becoming a parent may be different now.

Special needs financial planning can seem daunting for parents. There may be medical expenses today and planning for your child’s care when you no longer can. Here are eight steps to break the process down into manageable chunks.

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Topics: Financial Planning

Financial Advisor Meeting Checklist: 15 Documents to Bring to Your Meeting

Posted by Gary Wagner on Nov 19, 2019 11:15:00 AM

 

 

What Should I Bring to My Meeting with a Financial Advisor?

We created this financial advisor meeting checklist to help you get ready to meet with your advisor. Some of these items may not apply to your particular situation. Simply use this financial advisor checklist of documents to guide you as you prepare. 

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Topics: Financial Planning

Retirement Planning Tips: 6 Things to Consider Before You Retire

Posted by Gary Wagner on Nov 13, 2019 9:00:00 AM

 

 

As you approach your retirement years, you probably have questions or concerns about how your retirement will look. Creating some certainty by reducing the number of potential surprises can go a long way toward alleviating those concerns.

Here are six things to consider before you retire:

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Topics: Financial Planning, Retirement

Women and Finance: Three Female Financial Advisors Share Financial Tips for Women (and Men)

Posted by Linda Fousek on Nov 5, 2019 10:00:00 AM

The Economist magazine has declared the 21st century the new millennium of growing female economic empowerment. And it’s true that in recent decades, women have made incredible strides, both professionally and personally. However, there is still a financial literacy gap for women.

Let's look at some facts:

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Topics: Financial Planning

What Elder Financial Exploitation Looks Like: 5 Signs to Keep in Mind

Posted by Gary Wagner on Oct 22, 2019 10:15:00 AM

As money scams proliferate, senior citizens are one of the most vulnerable populations. The U.S. Consumer Financial Protection Bureau notes a four-fold increase in financial fraud reports in recent years. Suspicious financial activity that involves older Americans totaled $1.7 billion in 2017 alone, the bureau says.

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Topics: Investment Management

Financially Stressed Employees? Here’s How an Employer’s Financial Wellness Program Can Help

Posted by Keith Warmbein on Oct 8, 2019 9:30:00 AM

 

Financial Wellness programs center on the process of learning how to successfully manage financial expenses. Today, many savvy employers now offer financial wellness programs as part of 401(k) retirement benefits. We all know that money plays a critical role in our lives and that not having enough of it can impact health. But did you know it can also impact performance at work?

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Topics: Corporate Retirement Plan

Understanding Trusts: Is Trust Planning Right for You?

Posted by Bob Carroll on Sep 25, 2019 3:56:34 PM

 

Few financial planning concepts are as misunderstood as trusts. What trusts are and whether you need one are two questions that often arise when talking with a financial advisor. Here are some fundamentals of trust planning: 

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Topics: Financial Planning

Financial Considerations Around the Decision to Unretire

Posted by Gary Wagner on Sep 10, 2019 9:36:48 AM

Are you thinking about re-entering the workforce in your 60s? Even after making a carefully considered decision to retire? 

The reality is that you are not alone. An increasing number of baby boomers are shifting gears and reversing their decision to retire.

Consider the following from a New York Times article that compiled survey data on changes in American’s attitudes toward retirement:

  • More than 25 percent of retirees later resumed working
  • 40 percent of workers over age 65 had previously retired
  • The number of people over age 65 who are employed either full-time or part-time has climbed from 12.8 percent in 2000 to 18.8 percent in 2016
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Topics: Financial Planning

Retirement Planning Guide for Couples: How to Have a Productive (and Enjoyable) Conversation About Retirement and Finances

Posted by Gary Wagner on Aug 22, 2019 9:08:00 AM

Are you and your spouse preparing for retirement? Have you had a candid conversation about what that retirement will really look like? Here are some steps as a retirement planning guide to help you have a productive discussion as a couple. 

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Topics: Investment Management

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