Cybercriminals Use AI to Create Fake Websites That Look Just Like the Real Thing When Joann Fabrics filed for bankruptcy for the second time within a year this January, scammers seized the opportunity. Within days, a flurry of impostor websites appeared with URLs like “joannlosangeles.com,” “jo-annclosingonsale.shop” and “joanndiscount.shop”— all designed to look nearly identical to […]

What Happens to Your Time Horizon at Retirement? In investing, “time horizon” refers to the amount of time you have to pursue a financial goal. Along with that goal and your tolerance for risk, your time horizon is one of three key factors that typically help determine the mix of investments in your portfolio. In […]

Will the Fed Ease in 2025? As the Federal Reserve maintains its target rate at 4.25-4.50%, financial markets find themselves at a critical juncture. With Core PCE inflation still elevated at 2.8% and unemployment at 4.2%, the central bank faces one of its most challenging policy decisions in recent history. This analysis examines the heated debate surrounding potential rate cuts in […]

Expectations for Rate Cuts Accelerate After months of mixed signals and market impatience, August marked a turning point in the case for rate cuts. At Jackson Hole, Fed Chair Jerome Powell acknowledged the shift, stating, “With policy in restrictive territory, the baseline outlook and the shifting balance of risks may warrant adjusting our policy stance.” With rates […]

New Senior Deduction Explained Beginning in 2025, seniors can take advantage of a new $6,000 tax deduction that may help them cover the rising costs of housing, health care, and daily living by potentially allowing more of their income to remain untaxed. The deduction, part of the One Big Beautiful Bill Act (OBBBA) enacted in […]

5 Money Mistakes That Can Make the Road to Retirement Even Longer For many Americans, their 401(k) balance is a sobering reminder that good intentions don’t always lead to good outcomes. Perhaps you planned to increase your retirement savings each year, but instead succumbed to immediate gratification and upgraded to a nicer car each time […]

Holding Equities for the Long Term: Time vs. Timing Legendary investor Warren Buffett is famous for his long-term perspective. He has said that he likes to make investments he would be comfortable holding even if the market shut down for 10 years. Investing with an eye toward the long term is particularly important with stocks. […]

Understanding the New Trump Accounts With the enactment of the One Big Beautiful Bill Act in July 2025, Congress introduced a new class of tax-advantaged savings vehicles for minors known as Trump accounts. Here’s a breakdown of the key features. What are they? Trump accounts are custodial savings and investment accounts that can be established […]

July 2025 Market Summary Stocks Rise to Start 2H 2025, Median Sale Price of Existing Homes Hits New High, Treasury Yields Rise Equity Markets Equities kicked off the second half of 2025 on a mostly positive note with most indices posting gains in July. The Dow Jones Industrial Average rose 0.2%, the S&P 500 added 2.2%, and the Nasdaq Composite advanced 3.7%. Only Developed […]

Social Security and Medicare 2025 Trustees Reports: It’s Time to Address Funding Concerns Each year, the Trustees of the Social Security and Medicare trust funds provide detailed reports to Congress that track the programs’ current financial condition and projected financial outlook. These reports have warned for years that the trust funds would be depleted in […]