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As individuals approach retirement, one of the most important financial decisions they need to make is when to start receiving Social Security benefits. The timing of this decision can significantly impact the amount of benefits received throughout one’s lifetime. This

Stock sector rotation strategies involve shifting investment funds from one stock market sector to another to maximize returns and minimize risk. This strategy involves analyzing the performance of different stock market sectors and allocating investments to sectors expected to perform

Investing in mutual funds is a popular strategy for individual investors to build wealth over time. However, many investors tend to underperform the very funds they invest in due to behavioral biases. These biases lead to poor decision-making, ultimately impacting

Investment markets have been volatile in recent years. In particular, investing in fixed-income securities (bonds) has been challenging in a low-interest rate environment, followed by the current increasing rate environment. There are now good opportunities in the bond market. However,

As an individual investor, you might have heard about converting your traditional IRA (Individual Retirement Account) to a Roth IRA. This article will help you understand the advantages and potential drawbacks of making such a conversion and the optimal timing

The market had a decent recovery in the first quarter of 2023.  Cumulatively, however the market is still behind where it was at the beginning of 2022.  Technology stocks rebounded in the first quarter of 2023 resulting in strong returns

Location, Location, Location! Just as in real estate, location matters in managing investments.   Where you place different types of investment assets (such as stock and bonds) can have a significant impact on the after-tax return you realize over time.  Let’s

2022 Investment Markets in Perspective[1] For many investors, 2022 is a year they would like to forget.  2022 was one of the worst years overall for investors in history.  While stock returns have always been volatile, bonds have typically been

A Recession or Not A Recession?  That is the question for 2022 In 2020 because of the global pandemic investors feared a global recession – a significant downturn in economic activity.  This in turn resulted in a 30% decline in

Market Update as of June 30, 2022 The last six months have seen the broad U.S. Stock market decline in value by about (20%).  As reported by CNBC, this is the worst first six-month performance for over 30 years (since