From High Heels

To Tractor Wheels


Will the Stock Market Crash Again in 2021?


Let’s pretend we’ve got a time machine to take us back to March of 2020 when the coronavirus was officially declared a pandemic (don’t worry, we won’t stay long). While people were binge-watching Tiger King or swarming the supermarkets to buy toilet paper, the global economy was in upheaval. Supply chains ground to a halt. Entire industries shut down overnight. And the stock market crashed—big time.

If you were checking your 401(k) during those days, you probably felt panicked as you watched your savings disappear. And even though the markets regained all of the ground they’d lost by the end of 2020, there’s a lot of worry and speculation out there about 2021.

We want you to be informed about what’s going on, but at the end of the day, worry will only cause harm, not good. In the middle of chaos, we must focus on what we can control: our attitude, our outlook and our actions.

So, will we see another stock market crash in 2021? Let’s take a look at some of the major factors to better understand where we’re headed.

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Tax Deductions: 7 Tax Savings Strategies for Small Businesses


Tax Deductions and Credits You Can Use to Reduce Taxes

The Internal Revenue Code is set up to provide numerous tax breaks to individuals and businesses alike. Even the IRS acknowledges that you must keep some money to live on and with which to run your enterprise.

Some small business tax savings strategies, like timing income and expenses, must be accomplished before the end of the tax year. But others, such as funding a retirement plan, can be done at any time before you file your tax return.

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Why does Inflation matter to Retirees?


A Message from Edge Investment Solution’s Damon Walker:

Source: Edge Investment Solutions BLOG July 13 2020
Why does Inflation matter to retirees?

Over the last few years, the inflation rate in the United states has been fairly low. The average consumer Price Index (CPI) has been 2.1% in 2017, 2.4% in 2018, and 1.8% in 2019. Though the general economic outlook on inflation by the Federal Reserve is relatively stable, when you take a closer look at the economic data and potential impact of inflation on retirees, inflation and rising costs are a bigger concern for those in retirement than the general population.

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Investments: Recent Impact of Coronavirus to Markets 

Talking points on the recent impact of Coronavirus to markets 

Global markets have reacted negatively after a surge of diagnoses and deaths outside Asia due to the coronavirus called COVID-19. That sell-off accelerated after the US Centers for Disease Control and Prevention warned it was likely the outbreak would evolve into a pandemic that could cause “severe” disruptions to daily life in the US. The S&P 500 dropped 3 percent, bringing its losses to 8 percent since hitting a record high last Wednesday. (1)

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Investing 101: How to Start Investing for Financial Security


Picture your life in 10 years. What do you want it to look like? How about in 20 or 30 years? No matter what dreams you have, the choices you make today have the power to set you up for financial security later. That’s why I love coaching people on how to start investing!

Building wealth opens exciting options for your life. It helps you make your dreams a reality and gives you the chance to impact other people through living generously. But I want to make something very clear: This is not a get-rich-quick guide. Investing is like a marathon, not a sprint. The road to building wealth is slow and steady.

Are you ready for your investing 101 crash course? Let’s do this.

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College Planning for Costs While Preserving Your Retirement Nest Egg

College planning is an essential financial-planning strategy, as college costs are substantial enough to have the potential to compromise the parent’s retirement plans or produce burdensome debt for the college student. The costs can range from $100,000 for some local state-supported universities to $280,000 for many prestigious private schools. Most parents with pre-college age students range in age from 40 to 60 years old and most are concerned with how much college will cost. They are unsure of how much government aid they will receive. Some have set money aside in a 529 plan, state tax-free college bonds, or a prepaid tuition plan, but many have done little planning.

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The threat of a recession is on the minds of investors. Some traditional measures of the yield curve are inverted, and, in the past, those have preceded recessions. The link between an inverted yield curve and a recession has so dominated recent financial news that for some investors it’s no longer a matter of whether we get a recession, but how long until it starts.

Continue reading “THIS IS NOT 2008”

Pending Legislation Could Affect Inherited IRAs – In a BIG Way

The first to be passed by the House of Representatives on Thursday, May 23rd, was the Secure Act, and there’s similar bill in the Senate called the “RESA” (Retirement Enhancement and Savings Act). Both bills would significantly change the retirement system in America, and both seek to pay for the expenses with revenue generated from pre-tax accounts changing hands from their Baby Boomer owners to their Gen X and Millennial non-spouse beneficiaries.

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Kim Holland Lyon

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA/SIPC. Financial  Services offered through Cambridge Investment Research, Inc. EDGE INVESTMENT SOLUTIONS are not affiliated. Dave Ramsey and The Dave Ramsey Show are not affiliated with Cambridge Investment Research, Inc. This communication is strictly intended for individuals residing in the states of AL, AR, AZ, CA, FL, IL,ME, MN, MS ND,NJ, NM, NY,PA, SD,TX,VT, VA,WA.