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Wednesday, March 3, 2021

Most people who decide to purchase stocks, bonds, mutual funds, or other investment vehicles do so understanding that there are risks associated with investing, but believing that the potential growth they may realize over time...

Wednesday, February 24, 2021

Only one-in-four Americans (27%) feel very confident that they will have enough money to live comfortably when they retire, according to the 2020 Retirement Confidence Survey Summary Report.⁠11 While the number is up slightly from the...

Friday, February 19, 2021

With more and more seniors aging in place, the rise in caregivers who are not health professionals has begun to increase as well. Informal caregivers may find that their work is rewarding, since they ensure that their loved one is...

Wednesday, February 10, 2021

For investors approaching retirement, it is important to begin thinking about retirement income planning. This involves a mindset shift from accumulating an investment portfolio designed for growth to creating a portfolio of retirement...

Wednesday, February 3, 2021

There are no great secrets where tax planning and tax cutting are concerned. The principles around which all tax-cutting strategies revolve can be reduced to six basics: 1. Income splitting. Taxes are reduced for the total family unit...

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Wednesday, January 27, 2021

Many of us remember the phrase “too big to fail” from the 2008 financial crisis and cringe now that its use has been resurrected during the coronavirus pandemic. Others remember that the term was also used in 1984 by U.S....

Wednesday, January 20, 2021

If you are a Millennial or Gen-Zer, buying your first home is likely one of the top priorities on your list. While you may know that you are ready for a house, you may be wondering what considerations you need to make before getting...

Wednesday, January 13, 2021

Financial wellness, like physical wellness, isn’t something you should ignore. Instead, it's a critical concept for anyone who wants to be knowledgeable and confident about their finances, and in fact, financial wellness is so...

Tuesday, January 5, 2021

In 2020, the government gave taxpayers an automatic six-month extension due to the coronavirus. Individuals who were affected by the damaging wildfires were also given additional time to meet most tax deadlines. However, in 2021, the...

Tuesday, December 22, 2020

2020 has been one of the most unprecedented years in recent history, but some things—like tax contributions and retirement deadlines—don't change much, if at all. And with the uncertainty surrounding just about everything,...

Wednesday, December 16, 2020

Retirement is one of the biggest life transitions adults will ever deal with. After 20, 30, or 40 or more years in the workforce, new retirees can find it hard to adjust to the reduced amount of structure in their daily lives. But...

Tuesday, December 8, 2020

More than most years, it’s hard to look ahead to the next year, to 2021, without looking back at 2020. A global pandemic, a massive economic collapse, a bear market, a surprisingly sharp reversal, a hotly contested election where...

Tuesday, December 1, 2020

Maybe your charitable donations should stay in your zip code? For many of us, buying locally matters. We’ve all heard the term and seen the signs: Shop Locally. Eat Locally. But let’s extend that thought for a minute: do...

Monday, November 23, 2020

The holiday season is just around the corner and many charitable organizations are in desperate need of donations to help provide the vital services needed in the community. You are most often inundated with a number of charitable...

Monday, November 16, 2020

When it comes to retirement savings, the goal is quite simple for most. To accumulate as much wealth as possible so that they are able to retire in comfort and style, while they enjoy the fruits of years of labor. For those with a...

Sunday, November 8, 2020

It is only natural that investors would want to find some way to sit out bear markets and get back just in time for the next bull run. The belief that you can foresee the direction of the stock market is a seductive one. Some investors...

Tuesday, November 3, 2020

By the last third of the calendar year, you're likely to have a pretty good idea of what your annual income will be and whether any major expenses or big life changes await you. This can allow you to engage in more robust tax planning,...

Wednesday, October 21, 2020

If you're a CPA or a lawyer, you have extensive personal knowledge about taxes or the legal system, but at the same time, you may be running your own firm and dealing with unique financial situations. To ensure you're optimizing your...

Wednesday, October 14, 2020

After decades of adding to your retirement accounts, making the mental switch to withdrawal mode can be a challenge. It may be tempting to try to time the market to mitigate the risk of any sudden drops or ongoing turbulence. However,...

Wednesday, October 7, 2020

Whether you manage a trust for someone else, are the beneficiary of a trust, or are thinking of creating a trust, you probably have some questions about the "best practices" of trust management. A well-managed trust can help preserve...

Wednesday, September 23, 2020

Have you ever wondered how much life insurance is “enough”? One general rule of thumb says that you should buy an amount equal to five to seven times your annual income. Sure, it may be a reasonable guideline, but this...

Wednesday, September 16, 2020

Life insurance may be a cornerstone of a sound financial plan, providing potential financial stability to a surviving spouse, children, or other family members in the event of your untimely death. Sadly, many Americans have no life...

Wednesday, September 9, 2020

Your life insurance needs change as your life changes. When you are young, you may not have a need for life insurance. However, as you take on more responsibility and your family grows, your life insurance needs increase. Your needs...

Wednesday, September 2, 2020

September is National Life Insurance Awareness month. And while most of us likely recognize that life insurance provides us peace of mind and security, there may be a few things you don’t know. Life Insurance is Not Just for the...

Monday, August 24, 2020

With the COVID-19 pandemic continuing to wreak havoc across the globe, investors are still wondering (and debating) how best to respond to this crisis. For investors who are committed to socially responsible investing (SRI), it’s...

Monday, August 3, 2020

From the financial pressures of running a small practice to the repayment of hefty student loans, these three careers (and the people who pursue them) can have more in common than you may think. Those working in the medical, legal, and...

Monday, August 3, 2020

The time to begin planning for your financial future is now. So, when it comes to preparing for retirement, the earlier you start, the better. Here are some steps to help you achieve your overall objectives: Review your current...

Monday, August 3, 2020

Tragically, the world is in the midst of a global water crisis. Many people cannot access the water they need for drinking, bathing, cleaning, or growing food, and others only have access to water that is not clean. However, hope is...

Monday, August 3, 2020

The abrupt end to the 2019-2020 school year in many parts of the U.S. left parents and students alike struggling to establish healthy routines. As many students prepare to head back to the classroom (or the remote classroom) this fall,...

Wednesday, July 15, 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 15, 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, July 15, 2020

Asset allocation is a common strategy that you can use to construct an investment portfolio. Asset allocation isn't about picking individual securities. Instead, you focus on broad categories of investments, mixing them together in the...

Wednesday, July 15, 2020

LPL Financial Research is looking ahead for new ways to face current challenges and prepare for better times. Use our Midyear Outlook 2020 to chart a path to eventual economic and market recovery. Plus, learn how stocks may predict the...

Tuesday, July 7, 2020

Getting old is hard. Your parents’ ability to manage their own finances may decline as they age. Helping them with money matters is a sensitive issue you need to approach carefully. When you hit a certain age of your life, you...

Wednesday, June 24, 2020

For more than 200 years, long before the advent of modern stock markets and electronic trading, some investors have been committed to socially-responsible (SRI) investing.1 This involves choosing companies and products that...

Tuesday, June 16, 2020

Whether you're a first-time home buyer or are re-entering the real estate market after a hiatus, it's important to educate yourself on the most up-to-date tips and tricks for purchasing a home. Doing so can help save you thousands or...

Wednesday, June 10, 2020

With the COVID-19 pandemic continuing to wreak havoc across the globe, investors are still wondering (and debating) how best to respond to this crisis. For investors who are committed to socially responsible investing (SRI), it’s...

Wednesday, June 3, 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, May 27, 2020

When choosing a financial professional, you need to select someone who is similar to yourself. Ideally, your professional should work alongside you, helping you move toward your financial goals, and they should share your financial...

Wednesday, May 13, 2020

A “bear market” occurs when stock prices in general are falling, and then widespread pessimism sustains the continued drop in prices. The stock market becomes a bear market whenever stock prices have fallen over 20% over...

Thursday, April 30, 2020

The coronavirus crisis has temporarily shuttered entire industries, closing many businesses deemed "non-essential" until the peak of the illness curve has passed. But while some businesses have closed until further notice, others are...

Tuesday, April 21, 2020

Money matters are complex and even scary. How you choose to approach finances mentally is key to mastering them. Financial professionals call this “money mindfulness.” And it’s a mentality that can be worked on while...

Friday, April 17, 2020

The economic data keeps getting worse, yet stocks have been in the midst of one of the greatest multi-week rallies ever. As the LPL Chart of the Day shows, the S&P 500 Index gained 27.2% in the 15 days after the March 23 lows, the...

Thursday, April 16, 2020

News about the coronavirus has flooded the media, saturated social media streams, and dominated most people's minds for the last few weeks, and the crisis shows minimal signs of abating soon. When worry about this pandemic has affected...

Tuesday, April 14, 2020

Why is the stock market doing so well when the COVID-19 pandemic has yet to peak? At the end of last week, the Centers for Disease Control and Prevention reported the United States remains in the acceleration phase of the coronavirus...

Thursday, April 9, 2020

These are challenging times, and this week may be the toughest as we wait for COVID-19 to reach its peak in the United States. As the war against COVID-19 wages on, we continue to be inspired by the tremendous bravery shown by...

Tuesday, April 7, 2020

If you’re facing unemployment or concerned about the possibility of upcoming layoffs, there are some small, proactive steps you can take now to help make this difficult time more manageable. Build Your Network. It’s...

Thursday, April 2, 2020

“Could there be another depression” is one of the top questions we’ve received over the past week. “Yes, we are in a recession and many are worried if things may get much worse before they get better,”...

Wednesday, March 25, 2020

If an effort to keep you informed, we have compiled Important information concerning our operational status and our investment strategy thoughts for managing the crisis. Most importantly, our concern and thoughts go out to everyone who...

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...

Friday, March 13, 2020

The S&P 500 Index’s historic slide continued yesterday, culminating in nearly a 10% loss for the day, and leaving the benchmark index officially in bear market territory, just 16 trading days after setting a record high on...

Tuesday, March 10, 2020

On October 16, 2008 in an editorial for The New York Times, Warren Buffet, considered by many to be one of the greatest investors of his generation, repeated one of his favorite maxims: Be fearful when others are greedy and greedy when...

Monday, March 2, 2020

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...

Thursday, February 27, 2020

The global equity weakness continued yesterday, with consecutive 3% drops for the S&P 500 Index for the first time since August 2015. It might be hard to believe, but exactly one week ago today the S&P 500 was making a new all-time...

Wednesday, February 26, 2020

When you invest in the stock market, you want to see growth, but unfortunately, in most cases, investments do not grow all the time. Inevitably, the market goes up and down, and to safeguard your potential for long-term growth, you...

Tuesday, February 25, 2020

News that the coronavirus—known as COVID-19—has spread to South Korea, Italy, Japan, and Iran, has led to massive selling around the globe, with many European markets closing down more than 4%. U.S. stock markets are...

Monday, February 24, 2020

2020 doesn't just mark a new year, but the beginning of a new decade—and with it, some more changes to the federal tax code. It can often be easy to put tax preparation on the back burner, but being proactive can help you save...

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...

Tuesday, February 18, 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...

Thursday, February 13, 2020

As enacted on December 20, 2019 Prepared for LPL by Davis & Harman LLP Open Multiple Employer Plans / Pooled Employer Plans -- The SECURE Act allows unrelated small employers to band together in “open” 401(k)...

Thursday, August 29, 2019

Many of our clients know that one of our advisors, Sonja, is an avid swimmer/triathlete and likes to compete. As part of her summer vacation to Europe this year, Sonja took a trip to London a few weeks ago and competed in the "Thames...

Wednesday, July 31, 2019

It is with much admiration that we congratulate Randy Lifshotz, Legacy Wealth Management financial advisor of 12 years, on his retirement today. It isn’t every day that a firm celebrates an advisor’s successful tenure of...

Friday, July 19, 2019

Many people plan their estates diligently, with input from legal, tax, and financial professionals. Others plan earnestly but make mistakes that can potentially affect both the transfer and destiny of family wealth. Here are some...

Friday, July 12, 2019

Worldwide, the number of people aged 60 and older is growing. By 2050, this demographic will be more than twice as large as it was in 2015.¹ Some of these seniors could face a financial test. Will they be able to look after their...

Wednesday, July 10, 2019

If you follow national news, you may have heard of the Setting Every Community Up for Retirement Enhancement (SECURE) Act. Although the SECURE Act has yet to clear the Senate, it saw broad, bipartisan support in the House of...

Thursday, June 27, 2019

LPL Research Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets is filled with investment insights and market guidance for the year ahead. LPL Financial Research believes that even as investors face...

Monday, June 17, 2019

Ever feel like you don’t have a clear picture of your finances? Maybe one of these scenarios sounds familiar: You track what you earn and spend each month but wonder how your spending decisions impact your lifetime cash flow. You...

Thursday, June 6, 2019

Last month I had the opportunity to spend time in our nation’s capital with LPL’s Government Relations team and fellow LPL advisors. While in Washington, D.C., we dedicated ourselves to advocating, educating, and...

Thursday, May 23, 2019

How do you keep assets out of probate? If that estate planning question is on your mind, you should know that there are two basic ways to accomplish that objective. One, you could create a revocable living trust. You can serve as its...

Thursday, April 18, 2019

In projecting what you’ll need to save in order to generate enough retirement income, it helps to (1) prepare a realistic household budget and (2) understand what types of expenses you’ll have once you stop earning a...

Wednesday, March 27, 2019

You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree. How much monthly income will you need?...

Thursday, March 21, 2019

There are many prescriptions to get to financial health. Here are four proven strategies to help you get there. Setting and sticking to a budget In 2017, 78% of Americans said they were living paycheck to paycheck, up from 75% three...

Wednesday, February 20, 2019

The federal government offers some major tax breaks for older Americans. Some of these perks deserve more publicity than they receive. If you are 65 or older, your standard deduction is $1,300 larger. Make that $1,600 if you are...

Thursday, January 24, 2019

FOR IMMEDIATE RELEASE – Rubenstein joins the LWM team as Associate Wealth Consultant – Plantation, FL – January 24, 2019 – Legacy Wealth Management (LWM) announced today that Nuri Rubenstein has joined its team...

Friday, January 18, 2019

We constantly hear how important it is to maintain a healthy lifestyle. That is not always easy, especially in the face of temptation or the easy option of procrastination. For some, the monetary benefits of maintaining a healthy...

Sunday, December 23, 2018

LPL Research Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets is filled with investment insights and market guidance for the year ahead. LPL Research believes the following three themes will be key to the...

Wednesday, December 12, 2018

FOR IMMEDIATE RELEASE –Broadening the wealth management experience for clients through this strategic growth initiative– Plantation, FL – December 12, 2018 – Legacy Wealth Management is pleased to announce that...

Friday, November 2, 2018

If you retire before age 65, you must be prepared to address two insurance issues. One, finding health coverage in the period before you can sign up for Medicare. Two, finding a way to pay for that coverage. You know it will probably...

Wednesday, October 10, 2018

These days, there’s no shortage of scams or fraudulent schemes lurking behind bogus voicemails or email subject lines. Thanks to social media, email, and online business, individuals’ private information is at risk of...

Friday, September 21, 2018

Are you about to buy life insurance? Shop carefully. Make your choice with insight from an insurance professional, as it may help you avoid some of these all-too-common missteps. Buying the first policy you see. Anyone interested in...

Friday, September 7, 2018

When it comes to life insurance, there are many choices. Whole life. Variable universal life. Term. What do these descriptions really mean? All life insurance policies have two things in common. They guarantee to pay a death benefit...

Friday, August 24, 2018

Many investors—especially long-term investors—have an “equity” component in their portfolios. So, what is an equity really? It’s simply your proportional share of ownership in a company and, managed and...

Friday, August 3, 2018

What exactly is the “sequence of returns”? The phrase simply describes the yearly variation in an investment portfolio’s rate of return. Across 20 or 30 years of saving and investing for the future, what kind of...

Wednesday, August 1, 2018

Presenting the LPL Research Midyear Outlook 2018: The Plot Thickens, packed with investment insights and market analysis to guide you through all the action we may see in the year ahead. When we as investors began 2018, we were tuned...

Friday, July 27, 2018

What is the yield curve, and why is the financial media writing about it? Here is a brief explanation, starting with a clarification. A yield curve is really an X-Y graph projecting expected rates of return for equivalent-quality...

Thursday, July 19, 2018

We've all been there. Time to give the car a tune-up with some new tires. Pretty easy and straight-forward, buy whichever tires the shop recommends, right? Not so fast. You might be missing out on savings, especially if you live in...

Friday, July 6, 2018

When people think about estate planning, they may think in terms of personal property, real estate, and investments. Digital assets might seem like a lesser concern, perhaps no concern at all. But it is something that many are now...

Friday, June 15, 2018

Many households think they are planning carefully for retirement. In many cases, they are not. Weak spots in their retirement planning and saving may go unnoticed. Couples should recognize that they may face major medical expenses....

Friday, June 1, 2018

Whether you're seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility--many...

Friday, May 25, 2018

Does your high income stop you from contributing to a Roth IRA? It does not necessarily prohibit you from having one. You may be able to create a backdoor Roth IRA and give yourself the potential for a tax-free income stream in...

Monday, May 21, 2018

Dear Clients and Colleagues: No doubt you have heard phrases like “blockchain technology,” “digital currency,” and “Bitcoin” with increased frequency since the beginning of the year. You may be...

Friday, March 9, 2018

Experienced investors use “lifeboat drill” skills learned from the cruise ship industry. Just like the ship’s passengers and staff, investors have a plan for their trip. Part of the plan is thinking about what could...

Friday, February 16, 2018

Find the financial information you need this tax season. Use this handy guide to see the 2018 tax rate schedule, standard deductions and personal exemption, retirement plan contribution limits, social security benefits, and more.

Tuesday, February 6, 2018

February 6, 2018 Dear Clients and Colleagues: After more than 18 months of nearly uninterrupted advances, the U.S. equity markets started declining last week, with a large sell-off on February 5, 2018. Although it is always difficult...

Friday, December 29, 2017

Another year, come and gone! No matter how you look at it, 2017 was a memorable year. This week, we’re looking back on the exceptional experiences and accomplishments of some of our staff and advisors over this past year....

Tuesday, November 28, 2017

Presenting the LPL Research Outlook 2018: Return of the Business Cycle, packed with investment insights and market analysis to guide you through all the action we may see in the year ahead. “Return of the business cycle”...

Monday, October 30, 2017

3 Fun Financial Facts for Halloween It’s the spookiest time of the year, with zombies, ghouls, and ghosts at your door. But the economics of Halloween 2017 don’t have to be scary! Here are a few fun financial facts about...

Friday, October 20, 2017

Legacy Wealth Management Welcomes Adela Lopez – Lopez joins the LWM team as Operations Associate – Plantation, FL – October 20, 2017 – Adela Lopez has joined financial planning and investment advisory firm...

Thursday, June 1, 2017

FOR IMMEDIATE RELEASE Contact: Natalie Kaminsky (954) 474-7100 [email protected]

Friday, March 24, 2017

FOR IMMEDIATE RELEASE Contact: Natalie Kaminsky (954) 474-7100 [email protected] Tony DuBose Attends Top Independent Advisors Summit – Exclusive Conference Featured Opportunities for Advisors to Share Knowledge and...

Thursday, March 9, 2017

The Office of Regulations and Interpretations, Employee Benefits Security Administration Attn: Fiduciary Rule Examination Room N-5655 U.S. Department of Labor 200 Constitution Avenue N.W. Washington, DC 20210 March 8, 2017 Dear Mr....

Tuesday, December 27, 2016

FOR IMMEDIATE RELEASE Contact: Natalie Kaminsky (954) 474-7100 [email protected]

Tuesday, April 26, 2016

We take your personal information seriously! And we know you do, too! Free yourself of all unnecessary paper taking up your precious space during our complimentary Shred-A-Thon! There will be a Uni-Shred truck waiting for you outside...

Tuesday, December 1, 2015

A key to success, in life and investing, is juggling the familiarity and wisdom of old routines with the adjustments demanded by an ever-evolving world. As we look forward to 2016, our research team expects a return to routine for some...

Friday, August 14, 2015

TONY DUBOSE, SONJA KOPPENWALLNER AND NEELIE SACHAROW ATTEND NATIONAL FINANCIAL CONFERENCE Plantation, FL — August 14, 2015 — Tony DuBose, Sonja Koppenwallner and Neelie Sacharow from Legacy Wealth Management recently...

Monday, May 18, 2015

BOSTON, May 18, 2015 — LPL Financial LLC, the nation’s largest independent broker-dealer, a custodian for registered investment advisors (RIAs), and a wholly owned subsidiary of LPL Financial Holdings Inc. (Nasdaq:LPLA),...

Monday, December 22, 2014

Plantation, FL –December 22, 2014– Tony DuBose from Legacy Wealth Management recently attended the Business Leaders Forum 2014 in Orlando, FL, one of two exclusive invitation-only regional events hosted by LPL Financial,...