by Joe Allaria CFP®, MBA | Feb 14, 2024 | Article, Portfolio Management
2024 Stock Market Predictions Key Takeaway:The 2024 stock-market predictions article emphasizes that forecasts vary wildly — some expect double-digit gains while others call for losses — which underscores how unpredictable markets are. As we step into the unknown...
by Joe Allaria CFP®, MBA | Nov 30, 2023 | Article, Retirement Planning, Tax Planning
2024 IRS Cost of Living Adjustments Key Takeaway: The 2024 IRS cost-of-living adjustments raised contribution and income thresholds — meaning you can earn or save more before hitting tax limits. The IRS has released its 2024 cost of living adjustments, which include...
by Joe Allaria CFP®, MBA | Mar 3, 2023 | Article, Portfolio Management
2023 Stock Market Predictions and Why You Should Ignore Them Key Takeaways: Most stock market “expert” predictions are wildly inaccurate, even in years like 2022 when markets dropped sharply. Basing your investments on these forecasts can lead to costly market-timing...
by Joe Allaria CFP®, MBA | Jan 13, 2023 | Article, Retirement Planning, Tax Planning
Secure Act 2.0: Top 10 Changes Key Takeaways: Secure Act 2.0 raises the RMD age, adds emergency access to retirement funds, and lowers penalties for missed RMDs. The law boosts retirement savings by expanding catch-up contributions, automatic plan enrollment, and...
by Joe Allaria CFP®, MBA | Jan 9, 2023 | Article, Retirement Planning
Social Security Loopholes Key Takeaways: The popular “restricted application” strategy that let married retirees claim a spousal benefit while their own benefit grew has essentially phased out as of 2023. File-and-suspend can no longer be used to boost spousal...
by Joe Allaria CFP®, MBA | Dec 27, 2022 | Article, Portfolio Management
Don’t Fear a Recession, but be Prepared Key Takeaways: Recessions are a normal, recurring part of the economic cycle, and history shows they’ve always been followed by recoveries and market rallies. The last three U.S. recessions varied in cause and severity,...
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