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Thursday, August 6, 2020

The battle versus COVID-19 continues. The spread in some of the recent hotspots like California and Florida is slowing, while states in the Northeast and Midwest are now experiencing increases in cases. According to the World Health...

Wednesday, August 5, 2020

This isn’t like any recession we’ve ever seen, as it was sparked by a horrible pandemic and happened because people were told to stay inside. The impact was the worst contraction in gross domestic product (GDP) last quarter...

Thursday, July 30, 2020

At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses while at the same time looking after the needs...

Thursday, July 30, 2020

It seems, sometimes, as though financial professionals come in only two flavors. There are those who promise everything is going to be fine; you don't have to fret about retirement, they say, because they'll help you make more than...

Wednesday, July 29, 2020

“An object in motion tends to remain in motion along a straight line unless acted upon by an outside force.” Sir Isaac Newton Last September, we noted that gold had many structural reasons to soar. Well, soar it has,...

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Wednesday, July 15, 2020

AT THE MIDPOINT of 2020, we’re mindful that it’s been an extremely challenging year so far in the United States and around the globe. We’re in the midst of a pandemic that continues to impact all of us, our...

Saturday, July 11, 2020

New guidelines for retirement loans and distributions due to COVID-19 On June 19, 2020, the Internal Revenue Service announced new guidelines to help those affected by COVID-19 gain more access to retirement plan distributions and...

Wednesday, July 8, 2020

It’s certainly been a wild ride for stocks in 2020. Barely past the halfway point, the year has already brought the worst pandemic to hit the US in over 100 years, an unprecedented government-induced recession as much of the...

Thursday, July 2, 2020

The July Fourth holiday will be very different this year. Although it’s a time to enjoy family and friends, and maybe even watch some fireworks, social distancing and a new wave of COVID-19 cases also may take a seat at the...

Wednesday, July 1, 2020

What a quarter the second quarter was, with the S&P 500 Index adding 20.0%, for the best quarter since 1998 and the best second quarter since 1938. Of course, stocks fell 20% in the first quarter, so what we really have is a bad case...

Friday, June 26, 2020

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that you can live with over a long time. You wouldn't expect to be able to play the piano without learning the basics and...

Friday, June 26, 2020

The backyard pool can be great summer fun, but it can also be a source of danger for children. Every year hundreds of children fatally drown. In fact, drowning is the leading cause of preventable death among children ages 1-4.¹,...

Wednesday, June 24, 2020

Market Blog The US economy has made impressive progress in recent weeks. As the economy re-opens, the way we assess the recovery has changed. In March and April, we were looking for evidence that growth in COVID-19 cases was...

Tuesday, June 23, 2020

Even with all of your savvy college shopping and research about financial aid, college costs may still be prohibitive. At these prices, you expect you'll need to make substantial financial sacrifices to send your child to college. Or...

Wednesday, June 10, 2020

What recent graduates (and their parents) need to think about Spring is here, summer weather has begun (in many places), and graduation time has arrived. Across the country, students are finishing their high school, college, and even...

Wednesday, June 3, 2020

2020 is only five months old, but in many ways it is one of the most historic years we’ve ever seen. “2020 went from moving along nicely, to seeing the worst recession in a generation and the fastest bear market ever...

Thursday, May 28, 2020

Strategies for saving in your 50s Many retirees today are redefining the “golden years.” Forget about endless days of leisure. Retirees seek adventure, travel, and new business pursuits. While these changes may redefine...

Thursday, May 21, 2020

Helping investors better understand bear markets, corrections and crashes The pace with which the Coronavirus bear toppled the longest-running bull market in history was startling. The Dow Jones Industrial Average (DIJA) officially...

Wednesday, May 20, 2020

The incredible rally off the March 23 lows continues for equities, with the S&P 500 Index now up more than 32% in 40 trading days. As impressive as the rally has been, we do have some near-term concerns, as we discussed in Downside...

Thursday, May 14, 2020

You may have a very idealistic vision of retirement — doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you...

Tuesday, April 28, 2020

Whether your business has been temporarily closed by a state shelter-in-place order or is still operating as a provider of essential services, balancing your revenue needs with protecting the safety of your employees and customers can...

Wednesday, April 15, 2020

We continue to follow our Road to Recovery Playbook for help determining where the market is in its bottoming process. Today we are making two changes. The first is to Signal #1, which we upgraded from “monitoring daily”...

Thursday, April 9, 2020

In late March 2020, as the number of novel coronavirus cases in the U.S. surged past 100,000, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed into law.1 The CARES Act provides around $2.2 trillion in aid to...

Wednesday, April 1, 2020

After recording two double-digit drops in equity prices over the last three trading days, the global pandemic of COVID-19 has sent world equity markets into bear market territory. The result is a cumulative 30% drop in the S&P 500...

Tuesday, March 31, 2020

The United States has more cases of the coronavirus than any other country, and in an attempt to stop the spread of this disease, states have closed schools and businesses throughout the country. These unprecedented shutdowns have...

Thursday, March 26, 2020

We know that these can be frightening times, but we want to assure you that the one thing you don’t need to worry about is us supporting you through them. No one knows what the next days, weeks, or even months might bring, but we...

Wednesday, March 25, 2020

Stocks trying to add to huge gains. Futures are indicating a flat to slightly positive open as stocks attempt to add to historic gains from Tuesday on optimism surrounding eventual passage of the fiscal stimulus plan in the Senate. The...

Tuesday, March 24, 2020

Scammers, fraudsters, and other criminals are taking advantage of rapidly changing data and facts associated with COVID-19, both in the workplace and in our homes. Government agencies, corporations, and news outlets continue to warn...

Wednesday, March 18, 2020

The market volatility continues, as the S&P 500 Index has closed either up or down 4% or more for a record 7 consecutive days. With the S&P 500 Index down 30% from the highs, it has officially moved into a bear market. Yesterday, we...

Wednesday, March 18, 2020

With the rapid spreading of COVID-19, and more and more people either on self-quarantine or practicing social distancing, many of us are working from home. While working from home definitely has its perks – no commute! –...

Tuesday, March 17, 2020

On Saint Patrick’s Day, towns hold festive parades, people head to restaurants to dine on Irish fare, children pinch each other if they don’t wear green, and everything from beers to milkshakes turn the color of shamrocks....

Wednesday, March 4, 2020

The hits keep coming, as the Federal Reserve (Fed) did an intra-meeting cut yesterday, causing stocks to sell off hard on concerns the economy is on more fragile footing than most think. Read First Emergency Rate Cut By the Fed Since...

Wednesday, February 26, 2020

Monday was a tough day in the stock market, with the S&P 500 Index down more than 3% as the number of coronavirus cases reported outside of China jumped. Monday’s losses reversed all of this year’s gains so far for the S&P...

Friday, February 21, 2020

Many adults are finding that their aging parents are in need of health care assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several...

Wednesday, February 19, 2020

The recent news that technology giant Apple would miss its fourth quarter 2020 revenue targets has understandably increased investor anxiety surrounding the potential economic impact of the coronavirus (now called COVID-19). Lost in...

Wednesday, January 29, 2020

Leading economic indicators barely grew year over year in December 2019. The Conference Board’s Leading Economic Index (LEI), a composite of leading data series, fell 0.3% month over month in December. However, as shown in the...

Monday, January 27, 2020

The Social Security Administration (SSA) has had, since 2014, an online option (called my Social Security) for receiving annual benefit statements — however, if you do not wish to open an account, you may still estimate your...

Friday, January 17, 2020

In 2014, almost one-third of baby boomers had nothing saved for retirement. For those who did save, the median was around $200,000. This is a far cry less than the $1 million experts recommend for a 30-year retirement plan. Luckily,...

Wednesday, January 15, 2020

U.S. companies’ hiring momentum slowed in December, ending an otherwise upbeat 2019 on a somewhat down note. Nonfarm payrolls rose by 145,000 in December, below consensus estimates for a 160,000 gain. Manufacturing payrolls slid...

Monday, January 13, 2020

With the decline of traditional pensions, most of us are now responsible for squirrelling away money for our own retirement. In today's do-it-yourself retirement savings world, we rely largely on 401(k) plans and IRAs. However, there...

Wednesday, January 8, 2020

It was a volatile night for the U.S.-Iran conflict. S&P 500 Index futures dipped 1.5% and global markets swung after Iran shot several ballistic missiles at U.S.-Iraqi military bases. Markets recovered their losses overnight on news...

Thursday, January 2, 2020

Diet books. Fitness apps. Live-streamed exercise classes. They all tell you the same thing: Maintaining good physical health requires discipline and adherence to a few simple habits, such as eating wisely, getting enough sleep, and...

Monday, December 23, 2019

Income tax basis can be an important factor in deciding whether to make gifts during your lifetime or transfer property at your death. This is because the income tax basis for the person receiving the property depends on whether the...

Wednesday, December 18, 2019

December has been widely viewed as a strong month for stocks, with this year following suit so far. What many probably don’t realize, however, is the majority of the gains have taken place late in the month. “December has...

Friday, December 13, 2019

New Year’s Financial Resolutions For many people, the New Year is a time for personal reflection, a time to consider commitments and resolutions for the coming year. This year, why not resolve to make your finances a priority?...

Wednesday, December 11, 2019

The Federal Reserve’s (Fed) final policy meeting of 2019 starts today and will conclude tomorrow with the release of the Fed’s policy statement, updated economic projections, and a press conference by Fed Chair Jerome...

Friday, December 6, 2019

There are five estate planning documents you may need, regardless of your age, health, or wealth: Durable power of attorney Advance medical directives Will Letter of instruction Living trust The last document, a living trust, isn't...

Tuesday, December 3, 2019

Hindsight is 20/20, but finding clarity in future uncertainty can be fuzzy. AT LPL RESEARCH, as we look forward to the year 2020 and a new decade, some key trends and market signals will be important to watch, including progress on U...

Monday, November 25, 2019

Every year, millions of Americans celebrate the holidays with traditions such as throwing parties and buying gifts for family and friends. Unfortunately, many also participate in a tradition that lands them in debt -- spending more...

Wednesday, November 20, 2019

As we approach the end of 2019 (hard to believe!), the team at Marzano Capital Group wants to put emphasis on a handful of important items when it comes to personal finance. Together, we feel that reviewing the five bullet points below...

Wednesday, November 20, 2019

“We’re going streaking!” Frank The Tank in Old School As the bull market continues to make new highs, the past few weeks have seen some amazing market streaks. Here are three that have caught our attention. The S&P...

Monday, November 18, 2019

Tax planning can be more advantageous when done during the year and well in advance of year’s end.Opportunities may exist for you to minimize tax liability, which could leave more income for you and/or your family. Generally,...

Thursday, November 14, 2019

October is National Financial Planning month, so let’s focus on what financial planning actually involves. It’s not just about investment or insurance products; it’s also about the feelings behind your wishes and...

Wednesday, November 13, 2019

The S&P 500 Index has closed higher five consecutive weeks, making six new all-time highs along the way. There now have been 19 new highs in 2019, tying the number we saw last year. There’s no doubt that this bull market has been...

Thursday, November 7, 2019

If you are age 70½ or older and charitably minded, you may wish to consider tapping your individual retirement account (IRA). The qualified charitable distribution (QCD), also known as an IRA charitable rollover, allows you to...

Wednesday, November 6, 2019

“An object in motion tends to remain in motion along a straight line unless acted upon by an outside force.” Sir Isaac Newton What a year it has been for the bulls. The S&P 500 Index recently made four more new highs, and...

Wednesday, October 30, 2019

The Federal Reserve Bank (Fed) is widely expected to cut interest rates on Wednesday, October 30, which would be the third cut this year after nine consecutive hikes. The current fed funds rate target is 1.75–2%, with a 25 basis...

Wednesday, October 23, 2019

“Everything is awesome, when you’re living out a dream.” The Lego Movie As the S&P 500 Index continues to flirt with new record highs, something under the surface is taking place that is making 2019 extremely special....

Wednesday, October 16, 2019

“History doesn’t repeat itself, but it often rhymes.” — Mark Twain Stocks have continued their surprising strength in October, thanks to a potential thaw in the U.S.-China trade dispute. And remember, the S&P...

Tuesday, October 15, 2019

According to the Identity Theft Resource Center, the number of U.S. data breaches hit a new high in 2017. Nearly 20% of breaches included credit and debit card information, a nearly 6% increase from the prior year. The actual number of...

Wednesday, October 9, 2019

“The economy, stupid” — Phrase campaign strategist James Carville used to help Bill Clinton get elected in 1992. As Carville noted ahead of the 1992 election, the recession in 1990 and 1991 was top of mind for many...

Wednesday, October 2, 2019

U.S. manufacturing activity fell to a 10-year low, dragged down by a weakening global economy. The Institute for Supply Management’s (ISM) Purchasing Managers’ Index (PMI) fell to 47.6 in September, the lowest level since...

Tuesday, October 1, 2019

Financial stress can strike at any time. If you're worried about money and your solution is to wait for things to get better, you're making a mistake. The best way to tackle money troubles is to take control and make some changes. FIND...

Wednesday, September 25, 2019

Recent stock gains may not just be about a better trade tone or renewed central bank support. U.S. economic fundamentals have also improved. The Citi U.S. Economic Surprise Index, a running average of economic data compared to...

Tuesday, September 24, 2019

One extracurricular activity that every student can master while in college is personal money management. Typically, a student’s daily spending is done on an improvised basis, meaning that overspending is often the norm rather...

Tuesday, September 17, 2019

Dear Valued Investor: The Dog Days of Summer were on full display this past month, as a variety of concerns pushed stocks and bond yields lower. After reaching new record highs in late July, the S&P 500 Index dropped approximately 1.8%...

Tuesday, September 10, 2019

529 plans can be a great way to save for college, but they're not the only way. When you're investing for a major goal like education, it makes sense to be familiar with all of your options. MUTUAL FUNDS Mutual funds are an option to...

Tuesday, September 3, 2019

First and foremost, our thoughts are with all of those that were impacted by Hurricane Dorian over the Labor Day holiday and all those that are still in its path. Many have asked us what stocks tend to do after a major hurricane hits...

Tuesday, September 3, 2019

Many adults are finding that their aging parents are in need of health care assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several...

Wednesday, August 28, 2019

Business investment remains a critical component for this economic expansion. Capital expenditures (capex) drive productivity gains (more output per hour worked), which enables economic growth while keeping inflation contained. That...

Tuesday, August 27, 2019

In times of crisis, you don't want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you're protected when a financial emergency arises. One way to accomplish this is by setting up a cash...

Thursday, August 22, 2019

Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. It's useful to have strategies in place that prepare you both financially and psychologically to handle market volatility. Here are...

Wednesday, August 21, 2019

Daily Insights Another quiet day. Global stocks are trending higher on another light day for headlines and data. It’s quiet right now, but that will likely change in the next few days as investors parse through minutes from the...

Wednesday, August 14, 2019

A closely watched point on the Treasury yield curve has fallen negative for the first time in this economic cycle. As shown in the LPL Chart of the Day, Yield Curve Inversion Raises Economic Questions, the spread between the 2-year and...

Tuesday, August 13, 2019

After years of saving and investing, you can finally see the big day -- retirement. But before kicking back, you still need to address a few matters. Decisions made now could make the difference between your money outlasting you or...

Wednesday, August 7, 2019

U.S. stocks have hit another trade-induced summer storm. The S&P 500 Index fell 3% on Monday, its worst day since December 2018. The index is now about 6% from record highs in U.S. stocks’ worst bout of volatility since May. As...

Tuesday, August 6, 2019

At some point in your life, you probably have heard about the importance of developing a budget. But, why is a budget so important? Perhaps you simply spend what you must and save whatever’s left over. Or, perhaps you spend all...

Friday, August 2, 2019

Many parents teach their children the ABCs at a very young age, but do they teach them the ABCs of good credit? At certain points in life, everyone must deal with banks, loans, credit, and finances. You may have learned your lessons...

Thursday, August 1, 2019

Wealth can be a mixed blessing -- one that creates great opportunity as well as weighty responsibility -- especially for children. As a parent, grandparent, or concerned relative, you hope to pass on what you have learned about...

Wednesday, July 31, 2019

It could be a momentous week for U.S. monetary policy and the Treasury yield curve. The Federal Reserve (Fed) is expected to cut its policy interest rate for the first time in 10 years July 31. As shown in the LPL Chart of the Day,...

Friday, May 10, 2019

Marzano Capital Group First Quarter 2017 Newsletter

Friday, May 10, 2019

Goal Based Financial Planning

Friday, May 10, 2019

Retirement Planning for Small Businesses

Friday, May 10, 2019

Should Investment Decisions be Based on Political Outcomes?

Friday, May 10, 2019

Retirement Planning in the 21st Century

Friday, May 10, 2019

For most of us, we work our entire lives to do four things: take care of ourselves, provide for our families, save money for retirement, and hopefully be able to leave something to our children and grandchildren when we depart. We work...

Friday, May 10, 2019

How Much Life Insurance is Right for Me?

Friday, May 10, 2019

The Importance of Life Insurance

Friday, May 10, 2019

Evaluating the Calm After the Storm

Friday, May 10, 2019

If you’re like millions of Americans, you often live from paycheck to paycheck, working to just “get by” without the opportunity to develop significant wealth or long-term savings. And unless you’re the chairman...

Friday, May 10, 2019

Most investors are aware that 2016 has begun as a turbulent year in the stock markets. Markets have been on a roller coaster lately, due to a number of factors, including oil and changing economic conditions overseas. Given the recent...

Friday, May 10, 2019

Don't Kanye Your Financial Future