GUIDELINES TO FINANCIAL FREEDOM
GUIDELINES TO FINANCIAL FREEDOM
The terms financial advisor and financial planner are often seen as synonymous or interchangeable; however, there is a distinct difference between the use of the financial terms and the financial services that are offered by the two types of professions. While a financial advisor and a financial planner offer guidance...
There are alot of types of financial professionals to choose from when hiring a financial advisor. Acronyms such as Certified Public Accountant (CPA) or Certified Financial Analyst (CFA) ring a bell for most individuals; however, an important designation and professional, the Certified Financial Planner, is often overlooked by those who...
The University of Michigan publishes a monthly Survey of Consumers that assesses the confidence and expectations of U.S. consumers. It asks questions about current economic conditions, expectations for the future, and consumers' attitudes toward making big purchases. There was a notable development in the December 2023 survey, as the percentage...
Financial markets underwent a sizeable shift in the fourth quarter. Treasury yields, which spiked in Q3, reversed lower as inflation eased and the Federal Reserve hinted at interest rate cuts in 2024. The decline in interest rates was a significant tailwind for stocks and bonds. The S&P 500 gained +11.6%...
The Federal Reserve has raised interest rates by more than 5% since March 2022. It’s been the fastest pace of tightening in decades, but data shows the economy has been resilient thus far. The U.S. economy grew at a 5.2% annualized pace in the third quarter, which was the fastest...
Running a small business can be a demanding and challenging endeavor. Business owners are often stretched thin across various responsibilities and tasks, including human resources, daily operations, and even legal. With so many obligations, it can be hard to focus on the crucial aspects of one’s business, including the necessary...
The big story during November was the decline in Treasury yields. The bond market experienced large moves in interest rates, with the 10-year Treasury yield falling to 4.36% from over 5% in October. For context, the -0.54% decline in the 10-year yield ranks among the biggest 1-month drops since December...
Investing and saving for retirement can be a difficult undertaking, especially when the difficulties of managing the intricacies of life are apparent. How does one go about investing or saving and where can one go to get help or advice on the matter from a trusted professional? The answer often...
A business financial advisor is a financial professional who provides business advising or guidance to businesses for compensation. These advisors are licensed to provide various services such as investment management, tax planning, debt management, budget assistance, and financial planning for businesses. These advisors can act as a “one-stop-shop” for a...
How Tax Credits Can Play a Big Role for Small Businesses b4b-tax-incentives-2023 Download