2018 Outlook: Moving into the End of the Cycle

Dan Kutzke By | On January 29, 2018

As 2018 begins, the good economic news continues. Companies are hiring, both consumers and businesses feel confident, and economic growth is good and getting better. Even as conditions remain very positive, though, there are signs that the trend is changing. Job growth is slowing as we run out of available workers, and confidence seems to […]

Should You Pay Off Your Mortgage?

Dan Kutzke By | On October 24, 2017

After years of dutiful payments, you find yourself in the enviable position of having enough accumulated savings or discretionary income that you could aggressively pay down—or completely pay off—your mortgage. But should you? Are there better ways to ensure your financial security? Making the best choice for you Paying down your mortgage faster—or paying it […]

Equifax Breach Affects 143 Million People

Dan Kutzke By | On September 15, 2017

Last week Equifax, one of the three major credit bureaus, suffered a massive database breach. This breach is estimated to have affected 143 million consumers’ information including Social Security numbers, dates of birth, addresses, drivers license numbers, and credit card information. Do you know if this breach has affected your information? If you are unsure, […]

The Family Conversation: Addressing Your Health Care Needs in Retirement

Dan Kutzke By | On July 26, 2017

Maybe you and your family have already attempted to have “the conversation.” You know the one: the discussion about your and your spouse’s assets and what will be done with those assets during the rest of your lives and after you pass away. Perhaps, because of your children’s sibling rivalries, the family conversation turned to […]

The Boston Tea Party and Democracy Today

Dan Kutzke By | On December 21, 2016

I was reading today and found this blog post from our Chief Economist at Commonwealth, Brad McMillan. I am always impressed and enlightened by his insight into various subjects- this one reflects on the recent elections. I feel lucky that he is associated with us and that we have access to him directly in navigating […]

What Does The Election Mean For Your Portfolio?

Dan Kutzke By | On October 17, 2016

Authored by Brad McMillan, CFA®, CAIA, MAI, chief investment officer at Commonwealth Financial Network.   There’s no escaping coverage of the presidential election—what it means, whom to vote for, whom not to vote for. Many of us are deeply engaged in the process and passionately committed to one of the candidates. At the same time, […]

How Much Did I Spend Last Year?

Dan Kutzke By | On August 17, 2016

One of the key items to determine when getting ready to retire is to know how much you spend each year, to be able to compare it to what your spendable income is projected to be once you are retired. Or maybe you are just trying to determine your budget to be able to make […]

The Experiment With Negative Interest Rates

Dan Kutzke By | On March 24, 2016

When governments wish to create economic growth in their economies, it is common for them to lower central bank interest rates.  This will encourage businesses to expand and individuals to buy houses.  It can really work to help ward off recessions and promote economic growth. But what do you do if interest rates are almost […]

What A Way To Start The Year: A Look at January Market Volatility

Dan Kutzke By | On January 13, 2016

With the recent market declines both abroad and here in the U.S., there is increasing fear that this is it—the big one that will take us back to the depths of 2008. Although that level of fear is certainly understandable, a closer look at the real economic and market situation around the world suggests that […]

What Do Rising Interest Rates Mean for You?

Dan Kutzke By | On December 17, 2015

Yesterday’s big news was that the Federal Reserve (Fed) has finally increased interest rates, by 25 basis points or one-quarter of 1 percent. On the face of it, this increase doesn’t seem like it should be considered a major deal, but the widespread media coverage would indicate otherwise. Let’s spend some time thinking about why […]