Blog
Can Lipstick, Skyscrapers, or Men’s Underwear Predict a Recession?
March 28, 2022
Economists and analysts are always looking for some indication of where the economy is heading, and while most stick to traditional economic indicators, some think more off-beat sources of information… Read more
Blog
Inflation and War Send Consumer Confidence to Decade-Low Slump
March 25, 2022
U.S. consumer confidence worsened slightly in late March, falling to a decade low as inflation and uncertainty around Russia’s invasion of Ukraine weigh on consumers. The University of Michigan’s sentiment… Read more
Blog
Wall Street Bonuses Surge to a Record High
March 24, 2022
The average bonus for an employee of a Wall Street firm hit a record high in 2021, according to estimates from the New York State Comptroller. Bonuses were up more… Read more
Blog
Fewer Than 1-in-5 Women Feel Confident About Retirement
March 23, 2022
The pandemic hit women especially hard, with about 2 million women leaving the workforce altogether, according to the Bureau of Labor Statistics, and now more women are worried about their… Read more
Blog
Rapidly Climbing Mortgage Rates Weigh on the Housing Market
March 22, 2022
Mortgage rates were expected to climb throughout the year as the Federal Reserve enacts a series of interest rate hikes, but mortgage rates are rising faster than expected, leaving the… Read more
Blog
Young Americans Are Waiting Until ‘Things Return to Normal’ to Save for Retirement
March 18, 2022
Between the pandemic, surging inflation, and Russia’s invasion of Ukraine, Americans have spent the last few years uncertain about their financial plans, and now, more than half of young Americans… Read more
Blog
More Americans Are Struggling as Inflation Outpaces Wage Gains
March 17, 2022
With prices increasing at the fastest pace in 40 years, more Americans are reporting trouble keeping up. In February, inflation-adjusted average weekly earnings fell 2.3% from a year earlier. Only… Read more
Blog
Forecasters See a Growing Chance of Recession Amid Fed Tightening
March 16, 2022
Economic forecasters have become more concerned about a recession and raised their inflation projections the Federal Reserve kicks off a series of interest rate hikes in an effort to combat… Read more
Blog
American Mortgage Payments Are 36% Higher Than a Year Ago
March 14, 2022
Amid surging home prices and higher mortgage rates, Americans are paying more for their mortgages than ever before. The average payment for a 30-year, fixed-rate mortgage is now $1,230 per… Read more
Blog
More than $1 Billion Could Be Forfeited in Healthcare FSAs This Year
March 11, 2022
While flexible spending accounts (FSA) can be a great way to save for healthcare expenses, many savers could unexpectedly find their accounts empty. More than $1 billion in FSAs may… Read more
Article
College Savings Vehicles – Which is Right for You?
May 10, 2024
We all want to be able to provide our children with a clear path to success. Saving for a college education is an important goal for many parents, but at… Read more
Article
What is Probate and Why Should it Be Avoided?
May 4, 2024
For many of us, one of our biggest financial goals is being able to provide for our loved ones and pass on a legacy of wealth to the younger generations… Read more
Article
Financial Planning and Tax Bulletin – Estate Taxes and Gifting
August 25, 2023
Estate planning is something that many of us may not want to think about for years or even decades. Unfortunately, changes to the tax code are creating a sense of… Read more
Article
Risks in the Banking System
March 17, 2023
The sudden collapse of Silicon Valley Bank (SVB) has roiled the markets, panicked investors, and left many observers wondering whether we are on the precipice of another financial crisis. The… Read more
Article
2023 Retirement Contribution Guidelines
January 12, 2023
Amidst rampant inflation, the IRS has raised the retirement account contribution limits and income requirements that govern tax deductibility. For a quick rundown on how you can maximize your retirement… Read more
Article
Why China’s Economy is Unlikely to Overtake the U.S.
July 12, 2022
For decades, the rise of China has been treated as something of a fait accompli. Economists, politicians and academics have wondered not if, but only when, China would surpass the… Read more
Article
I Bonds as an Emergency Savings Alternative
May 19, 2022
With inflation continuing to surge, it is more important than ever to protect the purchasing power of your money. We alerted you to the savings potential of inflation-adjusted I-bonds in… Read more
Article
The Benefits of Dollar-Cost Averaging
October 4, 2021
Dollar-cost averaging (DCA) is an investment strategy in which an investor makes regular purchases of an asset at a fixed interval (usually monthly) using the same dollar amount each time,… Read more
Article
Asset Location for Tax-Optimization
September 5, 2021
We’ve all heard it said that when it comes to real estate, the most important factors are location, location, and location. Location also matters when it comes to investing, and… Read more
Article
ESG Investing Overview
July 29, 2021
For many investors, it is important that the money they invest is aligned with their personal values and has a positive impact on the world. With the advent of environmental,… Read more
Newsletter
Financial Planning Newsletter – December 2023
December 5, 2023
In a world where pension plans are becoming less common, Americans are increasingly relying on employer-sponsored, defined contribution plans like 401(k)s and 403(b)s to cover their retirement needs. According to… Read more
Newsletter
Financial Planning Newsletter – August 2023
August 30, 2023
Planning for retirement has become much more difficult in recent years. Aside from government workers and a few other industries, pension plans are largely a thing of the past. Social… Read more
Newsletter
Financial Planning Newsletter – May 2023
May 31, 2023
Social Security is one of the primary sources of income for retirees, but determining how much you will receive can be a complicated process. Our latest financial planning newsletter includes… Read more
Newsletter
Financial Planning Newsletter December 2021
December 31, 2021
2021 was a strong year for the stock markets, but with economic growth slowing and the Federal Reserve tightening monetary policy, uncertainty is on the rise as we head into… Read more
Newsletter
Financial Planning Newsletter June 2021
June 25, 2021
The longest-ever bull market came to an end when the coronavirus pandemic began, and though the markets recovered quickly, the downturn highlights the importance of the issues covered in our… Read more
Newsletter
Financial Planning Newsletter March 2021
March 30, 2021
Our latest Newsletter provides important considerations women should keep in mind when it comes to taking Social Security benefits. It also provides an overview of Health Savings Accounts, which can… Read more
Newsletter
Financial Planning Newsletter December 2020
December 17, 2020
With the massive amount of stimulus spending, many economists fear we may see a spike in inflation. While we are of the mind that such a spike will likely be… Read more
Newsletter
Financial Planning Newsletter September 2020
September 24, 2020
This has been a year unlike any other. Between the pandemic, hurricanes, and wildfires, millions across the globe have seen their livelihoods threatened and face tough times ahead. Those of… Read more
Newsletter
Financial Planning Newsletter February 2020
February 27, 2020
It is no secret that most Americans are unprepared for retirement. Most retirees cannot maintain their standard of living on just their Social Security benefits alone. Americans know that they… Read more
Commentary
Investment Commentary – January 2024
January 16, 2024
The past year was widely expected to be a challenging one for both the markets and the broader economy. For much of 2023, the question was not if, but when,… Read more
Commentary
Investment Commentary – October 2023
October 6, 2023
As we head into the final quarter of the year, the prevailing theme regarding the economy has become “no boom, no bust.” Inflation is trending down, the economy is expected… Read more
Commentary
Investment Commentary – July 2023
July 5, 2023
All eyes have been on the Federal Reserve, which is walking a precarious tightrope between slowing economic growth and easing, but still-high, inflation. Investors have pored over every piece of… Read more
Commentary
Investment Commentary – January 2023
January 24, 2023
The past year was the first time in more than a century that cash outperformed both stocks and bonds. Stocks posted their worst year since 2008, when the economy was… Read more
Commentary
Investment Commentary – December 2022
November 26, 2022
2022 has proven to be a tumultuous year for investors. Rampant inflation and central banks’ efforts to combat it have weighed heavily on the bond and stock markets alike. The… Read more
Commentary
Investment Commentary – June 2022
June 29, 2022
The U.S. economy and stock market have both struggled in the first half of 2022. The highest inflation in more than four decades, aggressive tightening of monetary policy by the… Read more
Commentary
Market Commentary – Q1 2022
April 7, 2022
After a strong 2021, the first quarter of 2022 has been difficult for the markets. Russia’s invasion of Ukraine has roiled the global economy, but even prior to the invasion,… Read more
Commentary
Investment Commentary – March 2022
March 31, 2022
Uncertainty is on the rise as investors grapple with Russia’s invasion of Ukraine, surging inflation, and the Federal Reserve’s tightening cycle. For our insights into how these trends will impact… Read more
Commentary
Investment Commentary – November 2021
November 30, 2021
After stumbling somewhat in the third quarter, the economic recovery appears to be stabilizing as the impact of the Covid-19 Delta variant passes. However, ongoing supply chain disruptions and labor… Read more
Commentary
Investment Commentary – August 2021
August 28, 2021
The economic recovery reached some important milestones recently. The S&P 500 has doubled its level from its pandemic low. This marks the fastest bull market doubling since World War II,… Read more
Video
Navigating Market Uncertainty
May 2, 2024
https://www.hanoveradvisorsinc.com/wp-content/uploads/2024/04/Navigating-Market-Uncertainty-Video.mp4 Planning for your financial future can be an emotional task, especially when so much of it hinges on the whims of the markets. Hanover’s Financial Planning team can work… Read more
Video
Stay on Top of Your Financial Life
May 2, 2024
https://www.hanoveradvisorsinc.com/wp-content/uploads/2024/04/On-Top-of-Financial-Life.mp4 Life can often pull us in different directions, and that is especially true with finances. Hanover’s Financial Planning team can help you track your cash flows and expenses, quantify… Read more
Video
Are You Ready for Retirement?
May 2, 2024
https://www.hanoveradvisorsinc.com/wp-content/uploads/2024/04/Retirement-Ready.mp4 For most of us, enjoying our retirement is our primary financial goal. Hanover’s Financial Planning team can help you determine your retirement goals, show the probability of meeting those… Read more
Video
Managing Student Loan Debt
May 2, 2024
https://www.hanoveradvisorsinc.com/wp-content/uploads/2024/04/Student-Loans.mp4 Don’t let student loan debt derail you financial future. Hanover’s Financial Planning team can help you manage your debt and find a balance between paying off your debts and… Read more
Video
Tax Efficient Withdrawal Strategies
May 2, 2024
https://www.hanoveradvisorsinc.com/wp-content/uploads/2024/04/Tax-efficient-withdrawals.mp4 You’ve worked hard to build your retirement nest egg, but financial planning doesn’t stop at retirement. Hanover’s Financial Planning team can help develop a smart withdrawal strategy that will… Read more
Video
Preparing for Your Financial Future
May 2, 2024
https://www.hanoveradvisorsinc.com/wp-content/uploads/2024/04/Financial-Future.mp4 Please enjoy a brief overview of how Hanover’s Financial Planning team can help you achieve your financial goals. Read more
Video
Q1 2024 Market Commentary Video
April 4, 2024
Watch the video “Q1 2024 Market Commentary” Read more
Presentation
2023 Third Quarter Review
October 10, 2023
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q3 2023. Read more
Blog
Retail Sales Disappoint in April as Consumers Curb Spending
May 17, 2024
Americans were unexpectedly reticent to spend in April, as inflation continued to stretch budgets and high interest rates made taking on debt more difficult. Retail sales were unchanged between March… Read more
Blog
Visualized: America’s Average Retirement Savings by Age
May 16, 2024
Many fear that there is a retirement crisis in the making, as Americans’ savings are far less than what they need for a comfortable retirement. The median family in the… Read more
Blog
“Core” Inflation Eased to Lowest Level Since 2021 in April
May 15, 2024
Inflation eased slightly in April, providing some relief to consumers and giving traders increased optimism about the Federal Reserve cutting interest rates this summer. The consumer price index (CPI), a… Read more
Blog
Credit Card Balances, Delinquencies Grow as Consumers Struggle
May 14, 2024
Americans slowed their use of credit cards in the first quarter of 2024 as the total level of debt fell, but for those who carry a balance on their cards,… Read more
Blog
Consumer Sentiment Plummets as Inflation Worries Jump
May 10, 2024
Sentiment among U.S. consumers slumped as inflation expectations jumped and consumers’ assessment of economic conditions soured. The University of Michigan’s Survey of Consumers sentiment index posted an initial reading of… Read more
Blog
Only 4% of Retirees Say They Are ‘Living the Dream’ in Retirement
May 9, 2024
For many of us, retirement is our primary financial goal. We spend most of our working lives saving up to ensure that our golden years will be everything we dream… Read more
Blog
U.S. Jobs Growth Set to Cool, Key Indicator Suggests
May 8, 2024
The U.S. labor market may begin to cool in the second half of the year as a key gauge of employment trends points to slowing job growth. The Conference Board’s… Read more
Blog
Renters’ Hopes of Homeownership Falls to Record Low
May 7, 2024
The dream of homeownership feels further away than ever before for renters, as high housing costs and elevated interest rates feel increasingly insurmountable, according to a recent report from the… Read more
Blog
Why a Disappointing Jobs Report is Good News for the Markets
May 3, 2024
The U.S. economy added fewer than expected last month and the unemployment rate ticked up, in a clear sign that economic growth is moderating. The Dow Jones jumped more than… Read more
Blog
Visualized: Global Inflation and Interest Rate Forecasts
May 2, 2024
Global inflation has retreated significantly from the multi-decade highs we have seen in recent years, but progress in the fight against climbing prices has slowed in recent months. The big… Read more