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Phillip E. Bollin, Certified Financial Planner™

Q2 2020 Market Rebound

Second Quarter 2020 Market Review

By | 2020, coronavirus, Covid-19, Dow Jones Industrial Average, Equity Markets, Global Markets, Investing Lessons, Investment Returns, Investor Panic, Market Corrections, Market Index, Market Volatility, Real Returns, Stock Markets | No Comments

If you are having a hard time making sense of what is going on in the economy and financial markets right now, you are not alone.  The past four months have taken investors on a dizzying rollercoaster ride, making it difficult to make heads or tails of economic data and financial market movements for investors and analysts alike.  While there…

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An economic recession doesn't mean market recoveries are far behind.

Does a Recession Mean Negative Returns?

By | 2020, Economic Growth, Equity Markets, Investment Returns, Market Corrections, News and Events, Recession, Returns, Stock Markets, US Economy | No Comments

As many industries and economic sectors shut down earlier this spring in concerted efforts to reduce the spread of the coronavirus, many economists opined that the U.S. economy faced a certain recession.  Recessions are generally defined as two consecutive quarters of negative growth in U.S. production.  But other criteria may also be utilized to declare a recession, including a sharp…

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Could Social Security be another vicitim of Covid-19?

Social Security: Another Covid-19 Victim?

By | 2020, coronavirus, Covid-19, Financial Planning, Retiree, Retirement Income, Retirement Planning, Social Security | No Comments

As the number of confirmed Coronavirus cases nears 2.4 million in the United States, the virus has extracted a heavy toll in terms of deaths, hospitalizations, job loss and economic malaise.  As devastating as Covid-19 has been the past four months in terms of loss of human life and economic conditions, it may be minor in comparison to the potential…

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How does the CARES Act affect you?

Understanding the CARES Act

By | 2020, CARES Act, coronavirus, Economic Growth, Economic Stimulus, Financial Planning, IRA, Required Minimum Distributions, Retirement Income | No Comments

The widespread economic uncertainty caused by the coronavirus (COVID-19) pandemic has taken a crippling toll on national and local economies alike.  As businesses and employers around the country wrestle with the fallout of closures, layoffs and furloughs the Coronavirus Aid, Relief and Economic Security Act, better known as the CARES Act, was signed into law on March 27th, 2020 to…

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What Now?

What Now?

By | 2020, Bond Markets, coronavirus, Equity Markets, Financial Planning, Fixed Income Markets, Interest Rates, Investing Lessons, Investment Returns, Investor Panic, Market Corrections, Market Volatility, Patience, Retiree, Retirement, Retirement Income, Retirement Planning, Retirement Savings, Returns, Risk, Stock Markets, Tax | No Comments

2020 began with the promise of continued strong economic and financial performance and a hint of uncertainty surrounding the November Presidential election.  The nation’s unemployment rate was near sixty-year lows, and labor force participation rates were near sixty-year highs.  The longest bull market in U.S. history was still running, despite concerns by some investors and analysts that it was getting…

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The coronavirus has roiled equity markets in 2020.

Market Volatility and the Coronavirus

By | coronavirus, Equity Markets, Expected Return, Market Volatility, Risk, Stock Markets | No Comments

For many investors, the greatest impediment to financial success is their failure to control two powerful emotions:  fear and greed.  Fear and greed can distort investors’ perceptions of current economic conditions and financial markets, while diverting their attention from longer term financial goals.   Of the two emotions, fear is probably the more difficult to control for most investors and can…

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Value Stocks Outperform Growth Stocks Over Time

Why Value Investing Still Matters

By | Equity Markets, Investing Lessons, Investment Returns, Value Investing | No Comments

One of my favorite activities in my career as a financial planner is meeting with clients for review sessions.  These review meetings give us an opportunity to catch-up on their lives, review their progress towards their financial goals, and to answer financial and investment-related questions that clients may have.  One question that has come up in a few of our…

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The SECURE Act of 2019 brought about many financial changes

How Does the SECURE Act Impact Your Financial Plan?

By | 2019, IRA, Retirement, Retirement Planning, Retirement Savings, Stretch IRA | No Comments

Amidst the excitement of the holiday season and the seemingly endless coverage of impeachment proceedings in Washington D.C., you have may have missed news of sweeping changes to retirement savings that could have a significant impact to your financial plans.  On December 20th, 2019 President Trump signed the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 into…

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2019 Market Review

2019: The Year in Review

By | 2019, Economic Growth, Equity Markets, Market Index, Real Returns, Stock Markets | No Comments

Despite a gloomy outlook at the onset of the year, 2019 proved to be a stellar year for investments and a strong year for the economy of the United States.  Following a frightful fourth quarter in 2018 that saw the S&P 500 drop 13.53% and the Dow Jones Industrial Average lose 11.8%, investors had little to be optimistic about as…

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Active Fund Managers and Stock Pickers failed to beat their benchmarks again in 2018.

Stock Pickers Fared Poorly Again in 2018

By | 2018, Active Investing, Investing Lessons, Investment Returns, Market Index, Market Volatility, Passive Investing, Returns | No Comments

With equity markets experiencing levels of volatility not seen in recent years, 2018 was widely viewed as an opportunity for stock pickers and other active managers to outperform their passively managed and index fund counterparts.  The actual result was more of the same mediocre performance and a reinforcing belief that it is difficult to beat the market. According to The…

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