Insights & Articles
Perspectives on wealth, planning, and the decisions that shape a legacy.
The Lifetime Sequence of Returns: A Retirement Planning Conundrum
This white paper explains sequence of returns risk, the risk that the timing of investment gains and losses can significantly affect retirement outcomes even when investors earn the same average return over their lifetimes. The research demonstrates that two individuals who save the same amount, for the same number of years, and receive returns from the same market distribution can end up with dramatically different retirement outcomes solely because of the order in which those returns occur. Th
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Do you need a financial advisor? Here's how to tell
A financial advisor can provide valuable guidance regardless of your income level, helping you set financial goals, manage debt, plan for major life events, invest for the future, prepare for retirement, and develop estate planning strategies. Working with an advisor may be especially beneficial if you're just starting your career, feeling overwhelmed by your finances, dealing with significant debt, experiencing a major life change, or seeking expert advice on complex financial matters. Advisors
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Understanding the wash-sale rule to maximize tax savings
The wash-sale rule is an IRS regulation designed to prevent investors from claiming a tax loss on a security if they purchase the same or a substantially identical investment within 30 days before or after selling it at a loss. While tax-loss harvesting can help offset capital gains and reduce taxable income, a wash sale delays that tax benefit by adding the disallowed loss to the cost basis of the newly purchased investment. The rule applies to a variety of securities, including stocks, ETFs, m
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Portfolio diversification: What it means and why it matters
Portfolio diversification is the practice of spreading investments across different asset classes, sectors, and geographic regions to help manage risk and reduce reliance on any single investment or market outcome. Because different investments often respond differently to economic conditions and market events, diversification can help cushion the impact of losses in one area with stability or gains in another, creating a more balanced investing experience over time. A well-diversified portfolio
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Midyear Outlook 2026: Key Takeaways for the Second Half
LPL Research’s Midyear Outlook 2026 expects the U.S. economy to slow but remain resilient through the second half of the year, supported by strong business investment despite ongoing weakness in housing and other rate-sensitive sectors. The firm maintains a moderately positive outlook for stocks, citing continued AI-driven earnings growth and an improving macroeconomic backdrop, while noting that geopolitical tensions and questions around AI monetization could create periods of volatility. In fi
Read Article →Weekly Market Performance July 24, 2026
LPL Research reported that markets weakened during the week ending July 24, 2026, as investor concerns about the high costs and uncertain returns of artificial intelligence investments, combined with escalating Middle East tensions, reduced risk appetite and pushed oil prices sharply higher. U.S. stocks finished lower, with the Nasdaq suffering the largest decline as major technology companies faced scrutiny over rising AI-related spending, while international markets were mixed,
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