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Financial planning and preparing for retirement often raises more questions than answers. We hope our blog will help simplify every step of your path, from budgeting and 529 college plans, to life insurance, investments and long term care.  We’re glad to have you reading along, and hope that we can assist you on your path to financial security and success.

 

Wednesday, September 22, 2021

Most likely, you’ve heard what’s brewing in Washington, D.C., called by one of these names.The Build Back Better Act. Or the $3.5 trillion budget reconciliation bill. Or the Jobs and Economic Recovery Plan for Working...

 

Monday, September 20, 2021

Stocks weakened ahead of this week’s Federal Reserve meeting and amid persistent concerns about the Delta variant’s impact on the economy.The Dow Jones Industrial Average was flat (-0.07%), while the Standard &...

 

Friday, September 17, 2021

If you are feeling a bit confused about the direction of inflation, you’re in good company. Some of the best and brightest economists in the country are having a tough time getting their arms around the current inflation trends...

 

Wednesday, September 15, 2021

INVESTMENT READ TIME: 4 MIN GETTING A HEAD START ON COLLEGE SAVINGS The U.S. Department of Agriculture estimates the cost of raising a child to the age of 17 for a middle-income family will be about $285,000.1 That’s roughly...

 

Monday, September 13, 2021

In a quiet week of news, stocks moved lower amid simmering concerns over the Delta variant’s effect on the progress of economic reopening.The Dow Jones Industrial Average declined 2.15%, while the Standard & Poor’s 500...

 

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Friday, September 10, 2021

The stock market notched its 7th straight month of gains in August, and the Standard & Poor's 500 index has set 53 new highs so far in 2021.1During August, stocks rallied as investors looked past the increased number of COVID-19...

 

Wednesday, September 8, 2021

INVESTMENT READ TIME: 4 MIN ESTIMATING THE COST OF COLLEGE September is College Savings Month. Do you know where to start? It doesn’t take a degree in finance to see the cost of college continues to rise. In its 2017 report, the...

 

Tuesday, September 7, 2021

Stocks were mixed last week amid conflicting economic data and continued spread of Delta variant infections.The Dow Jones Industrial Average slipped 0.24% during the five trading days. But the Standard & Poor’s 500 tacked on...

 

Friday, September 3, 2021

The economic impact of COVID-19 has been felt from coast to coast. And, unfortunately for many pre-retirees, it could potentially impact Social Security benefits as well.A new report indicates that if Congress doesn’t take...

 

Wednesday, September 1, 2021

It’s time for your life insurance checkup.September is National Life Insurance Awareness Month, so it’s a great time to review your coverage.1If you don’t have any life insurance, you’re not alone. Life...

 

Monday, August 30, 2021

The stock market powered to record levels last week amid talk of Fed tapering and a deceleration in new Delta variant cases.The Dow Jones Industrial Average gained 0.96%, while the Standard & Poor’s 500 increased 1.52%. The...

 

Monday, August 30, 2021

INVESTMENT READ TIME: 3 MIN A Look at Diversification Ancient Chinese merchants were said to have developed a unique way to manage their risk. They would divide their shipments among several different vessels. That way, if one ship...

 

Wednesday, August 25, 2021

With summer almost behind us, it’s time to face the facts: we’re headed toward the second half of 2021. While there’s still plenty of time to enjoy the rest of summer, we encourage you to slow down and check up on...

 

Monday, August 23, 2021

Stocks turned lower last week amid the increasing probability of a Fed tapering, mixed economic data, and growing concerns about the economic impact of the Delta variant.The Dow Jones Industrial Average slumped 1.11%, while the...

 

Friday, August 20, 2021

Over the last year, many have seen their lives impacted by the COVID-19 pandemic. The ways in which we work, live, and communicate have drastically changed, to say the least.It’s difficult to predict what other aspects of life...

 

Wednesday, August 18, 2021

CATCH-UP CONTRIBUTIONS A recent survey found that 23% of people were very confident about having enough money to live comfortably through their retirement years. At the same time, 33% were not confident.1 Congress in 2001 passed a law...

 

Monday, August 16, 2021

Looking past inflation figures and Delta variant trends, stocks last week found a way to climb higher and set fresh record highs in the process.The Dow Jones Industrial Average rose 0.87%, while the Standard & Poor’s 500...

 

Saturday, August 14, 2021

Don’t Delay. Start Your Financial Plan Now. Many millennials find planning their financial futures a daunting task. It need not be so. We offer some suggestions to get you on your way. When it comes to saving and investing, time...

 

Wednesday, August 11, 2021

"Whether the headline comes from a newspaper or a push notification, there will always be negative news that will make investors wary. The table below shows standout news events over the past half century." Hartford Funds created this...

 

Monday, August 9, 2021

Overcoming jitters about the Delta variant and the reintroduction of mask requirements, stocks climbed higher on strong employment data and a fresh batch of strong corporate earnings.The Dow Jones Industrial Average rose 0.78% while...

 

Wednesday, August 4, 2021

2021 Halftime Report Please join me on Zoom for a mid-year market update, presented by LPL Financial. Live Webinar on Wednesday, August 11th at 6:00p.m. Contact Amanda at amanda@encorewm.com for Zoom Webinar ID and Passcode.

 

Tuesday, August 3, 2021

FOUR REALLY GOOD REASONS TO INVEST Forty-eight percent of Americans do not own any stocks or stock-related investments, according to the most recent data available from Pew Research Center.1 Individuals may cite different reasons for...

 

Monday, August 2, 2021

The stock market posted small losses last week despite a very strong showing by corporate America.The Dow Jones Industrial Average slipped 0.36%, while the Standard & Poor’s 500 lost 0.37%. The Nasdaq Composite index dropped...

 

Thursday, July 29, 2021

Time to Tune-Up Your Financial Plan There are fundamental steps you can take to get on-track with your financial plan.Planning for your financial future is a critical endeavor, yet one that many overlook or fail to nurture. Some may...

 

Monday, July 26, 2021

Overcoming a COVID-related economic growth scare, stocks moved higher amid a week of strong corporate earnings reports.The Dow Jones Industrial Average rose 1.08%, while the Standard & Poor’s 500 gained 1.96%. The Nasdaq...

 

Thursday, July 22, 2021

Estate Planning 101 Tips for organizing your estate to preserve your assets for your designated beneficiaries. Estate planning is not an exercise relegated to the wealthy alone. Indeed, anyone who wants to plan for the distribution of...

 

Monday, July 19, 2021

Despite a good start to earnings season and some solid economic data, worries of slower second-half economic growth led to a pullback in stock prices last week.The Dow Jones Industrial Average fell 0.52%, while the Standard &...

 

Sunday, July 18, 2021

July 18th is national Insurance Nerd Day, and over here at Encore we definitely geek out about all types of insurance, but today we'll focus on Life Insurance. Perhaps you’ve heard the maxim, “Preparation is the key to...

 

Friday, July 16, 2021

The real rate of return is an important personal finance concept to understand.It’s the rate of return on your investments after inflation. The real rate of return indicates whether you are gaining or losing purchasing power...

 

Monday, July 12, 2021

Stocks managed small gains as investors wrestled with concerns over economic growth prospects and a rise in COVID-19 infections.The Dow Jones Industrial Average picked up 0.24%, while the Standard & Poor’s 500 gained 0.40%....

 

Friday, July 9, 2021

At its June meeting, the Federal Reserve confirmed what many of us have suspected for some time: prices are rising. In fact, prices are climbingfaster than many expected. In response, the Fed raised its inflation expectation to 3.4%,...

 

Wednesday, July 7, 2021

Managing your personal finances can sometimes seem like an overwhelming task. But you can start the process with a few easy steps that will help you take control of your finances and work toward a brighter financial future. You can...