With the market so volatile, you need one in place. The Market Is Cyclical… As history proves time, and time again, the stock market is cyclical. Like gravity, what goes up, must come down. The problem with this cycle is that many investors don’t have the time or the willpower to ride yet another wave...
Today’s release of the FOMC’s decision not to raise rates was really no big surprise. The release only contained minor changes to September’s statement. Market official expectations were around a 14% probability for a rate hike, while most participants pegged the figure closer to 0% considering the timing of the meeting in relation to the...
The seasonal shift between summer and fall, especially in the Northeast, can be a bit challenging. With 40 degree nights and 80 degree days, no wonder it kicks off cold season. Our feature article this month Could Insurance Save Your Retirement? begins the discussion on the value of various insurance coverages once thought to be...
With the end of summer comes the beginning of school for some and the routines of daily life for most. Within the hustle and bustle of errands, we may lose sight of the planning needed in case our retirement vision encounters a few bumps along the way. Our feature article this month Retirement Blindspots highlights...
Stephen DeCesare, CFP® Named 2016 Philadelphia Five Star Wealth Manager Marlton-based Certified Financial Planner™ earns professional honor for fifth consecutive year. September 1, 2016 – Marlton N.J. – Independent wealth manager, retirement planner and president of DeCesare Retirement Specialists, Stephen DeCesare, CFP®, was presented with the 2016 Five Star Wealth Manager Award for the Philadelphia...
This month’s feature article Think About Your Lifestyle Before You Retire delves into the retirement dream versus the retirement reality. Retirement savers spend enormous amounts of time calculating the figures regarding income, expenses, and probablilities of success. They spend much less time considering the fact that they are human and that retirement may have a...
A quick recap, our May Fed Update commented on how the FOMC’s May meeting minutes indicated a potential increase in interest rates in the June/July time frame. This resulted in increased uncertainty due to the mixed signals being conveyed by the FOMC about their future policy decisions. The markets reacted with a brief but dramatic...
We wake up this morning to a historic event inside the European Union that has shocked the world both emotionally and financially. The citizens of the United Kingdom voted to exit the European Union just 23 years after joining. The EU was created to unite the various countries’ cultures and economics to help ensure peace...
The April Fed update, following the conclusion of the FOMC meeting on April 27th, commented on the market pricing in a 51% probability of a rate increase in December. The expectation was for only one rate increase for the year, despite the FOMC’s plan for four rate hikes in 2016. Fast forward just two weeks...
As I’m sure you’ve heard by now, the Department of Labor has made recent news addressing the important topic of fiduciary standard in the financial services industry. By definition, a fiduciary is one who acts in the utmost good faith, in a manner he or she reasonably believes to be in the best interest of...
