Blog
Americans Plan to Spend Big This Halloween
October 22, 2021
After having their plans put on hold by Covid last year, Americans are planning to spend big celebrating Halloween in 2021. A new poll found that Americans are going to… Read more
Blog
Investors Signal Concerns that Higher Inflation Will Persist
October 21, 2021
A closely-watched gauge of investors’ inflation expectations is at its highest level in nearly a decade. This week, the metric, known as the 10-year break-even rate, signaled that over the… Read more
Blog
Economists Expect Supply Woes and Higher Prices Well into 2022
October 19, 2021
Supply-chain bottlenecks and upward price pressure are likely to continue weighing on the U.S. economy well into 2022, according to the economists surveyed in the Wall Street Journal’s most recent… Read more
Blog
Mortgage Demand Expected to Fall 33% Next Year as Interest Rates Climb
October 18, 2021
Rising interest rates are expected to severely diminish demand for mortgages next year, with one estimate predicting that total origination volume could fall by one-third. The forecast comes from the… Read more
Blog
Mortgage Demand Slows As Rates Continue to Climb
October 15, 2021
Mortgage rates continued to climb last week, hitting their highest point in months. As rates continue to climb, existing owners see little reason to refinance, and new buyers, already facing… Read more
Blog
What Do Bank Earnings Tell Us About the State of the Economy?
October 14, 2021
While economic growth loos to have lost momentum in the third quarter, the period delivered stellar results for big U.S. banks. The nation’s largest financial institutions reported strong earnings driven… Read more
Blog
IMF Lowers Global Growth Expectations Amid Inflation Concerns
October 12, 2021
The International Monetary Fund (IMF) lowered its 2021 growth forecast for the global economy, noting that higher prices and ongoing pandemic-related supply chain disruptions are likely to slow economic growth,… Read more
Blog
A Record 4.3 Million Workers Quit Their Jobs in August
October 11, 2021
A record number of workers quit their jobs last month, with hospitality and retail workers, in particular, leaving their jobs in droves. According to the Labor Department’s Job Openings and… Read more
Blog
Why Were Job Number Forecasts So Wrong?
October 8, 2021
The U.S. economy added just 194,000 jobs in September, an unimpressive number by any metric, but one that is even more disappointing when compared to the 500,000 new jobs that… Read more
Blog
The Used Car Market is Signaling Higher Inflation to Come
October 7, 2021
An unconventional, but closely watched inflation indicator has hit a record high, suggesting that upward price pressure could persist during the months ahead. The Manheim Used Vehicle Value Index, which… 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
Article
Is a Backdoor Roth Conversion Right For You?
April 30, 2021
Roth IRAs are one of the most versatile retirement investment vehicles available. Because they were originally intended to aid young and low-income workers in saving for retirement, Roth IRAs have… Read more
Article
Municipal Bonds in 2021
February 5, 2021
The municipal bond market demonstrated its resiliency in 2020 and enters 2021 in a strong position. That said, there are many unknowns in the months ahead. Our latest white paper… Read more
Article
Bond Markets and the Economic Recovery
May 29, 2020
The first quarter was one of the most volatile periods on record. The coronavirus’s rapid spread across the world has roiled the global economy in ways that even the Great… Read more
Article
Navigating a Market Downturn
March 10, 2020
Fears about the spread of the coronavirus have roiled the markets in recent weeks. The S&P 500, after hitting a record high just weeks ago, has entered correction territory. A… Read more
Article
The Impact of the Coronavirus Outbreak on the Economy and Your Investments
January 29, 2020
The recent coronavirus outbreak has already enacted a human cost. At the time of writing, there have been nearly 4,700 confirmed cases, resulting in more than 100 deaths. Both numbers… Read more
Article
How to Beat the Short Term Market Jitters
December 4, 2019
When the financial markets are in turmoil and account balances start to fall, there is a strong temptation retreat from the market to stem any perceived losses. Yet it is… Read more
Article
The Benefits of Account Aggregation
November 7, 2019
Good financial planning means taking into account the entirety of a person’s finances. At Hanover, we care about more than just the accounts you have with us. We know that… 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
Newsletter
Financial Planning Newsletter December 2019
December 16, 2019
Saving for your retirement was supposed to be the hard part. When the day comes, however, when you feel confident that you have enough of a nest egg accumulated and… Read more
Newsletter
Financial Planning Newsletter May 2019
May 20, 2019
First Quarter GDP Beats Expectations, but May Not Tell the Whole Story The U.S. economy beat all estimates and grew by 3.2 percent in the first three months of the… Read more
Newsletter
Financial Planning Newsletter September 2018
October 1, 2018
Roth IRAs vs. Traditional IRAs: What You Need to Know Originally intended to aid young and low-income workers in saving for retirement, Roth IRAs have become one of the most… Read more
Newsletter
The Hanover Advisor – Newsletter November 2017
November 1, 2017
It’s no secret that living with a severe disability can result in an individual or family often incurring monumental expenses. These extra costs go far beyond just the additional medical… 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
Commentary
Market Commentary – Q2 2021
July 9, 2021
The global economic recovery continued its acceleration in the first half of 2020, though unevenly in some regions where lagging vaccination rates and the emergence of the “Delta variant” have… Read more
Commentary
Investment Commentary – May 2021
May 27, 2021
As expected, economic activity boomed in the first few months of 2021. Widespread vaccinations, pent-up consumer demand, and a massive injection of government stimulus brought the economy roaring back to… Read more
Commentary
Investment Commentary – February 2021
February 26, 2021
Despite a severe economic downturn caused by the coronavirus and ensuing shutdown, the U.S. economy staged an impressive comeback in the second half of 2020. At the end of the… Read more
Commentary
Investment Commentary – November 2020
November 18, 2020
As we head into the final weeks of 2020, the economic recovery has continued its strong, if uneven, pace. Third-quarter GDP growth topped lofty expectations, expanding at a 33.1% annualized… Read more
Commentary
Investment Commentary – August 2020
August 28, 2020
Following steep losses in the immediate aftermath of the coronavirus, the stock market saw a swift recovery, making up much of the losses and, in some cases, reaching new highs.… Read more
Commentary
Investment Commentary – April 2020
April 27, 2020
The coronavirus outbreak and ensuing lockdown delivered an unprecedented hit to the global economy and the financial markets. Though recent weeks have seen millions of Americans file for unemployment and… Read more
Commentary
Investment Commentary – January 2020
January 28, 2020
Despite records gains in the stock market, including an increase of 29 percent for the S&P 500, economic growth slowed in 2019. While increased optimism surrounding trade negotiations, pre-emptive interest… Read more
Commentary
Investment Commentary – June 2019
June 28, 2019
The current U.S. economic expansion, which began in June 2009, has now hit its 10th anniversary. Now, in the midst of the longest uninterrupted period of economic growth, the question… Read more
Commentary
Investment Commentary – January 2019
February 8, 2019
In the fourth quarter of 2018, rising interest rates and the signs of decelerating economic growth crashed the richly valued stock market. Large U.S. stocks lost 13.8 percent of their… Read more
Presentation
2021 Third Quarter Review
October 7, 2021
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q3 2021. Read more
Presentation
2021 Second Quarter Review
July 7, 2021
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q2 2021. Read more
Presentation
2021 First Quarter Review
April 7, 2021
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q1 2021. Read more
Presentation
2020 Fourth Quarter Review
January 12, 2021
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q4 2020. Read more
Presentation
2020 Second Quarter Review
July 7, 2020
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q2 2020. Read more
Presentation
2020 First Quarter Review
April 12, 2020
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q1 2020. Read more
Presentation
2019 Fourth Quarter Review
January 8, 2020
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q4 2019. Read more
Presentation
2019 Third Quarter Review
October 10, 2019
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q3 2019. Read more
Presentation
2019 Second Quarter Review
July 8, 2019
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q2 2019. Read more
Presentation
2019 First Quarter Review
April 8, 2019
PowerPoint slides feature quarterly and annual performance of the global equity and fixed income markets. Updated for Q1 2019. Read more
Blog
Stock Market Indicator Flashes Red
April 4, 2018
The total dollar value of the U.S. stock market (market cap) relative to the size of the U.S. economy (GDP) is a simple gauge to evaluate the prospects for stocks. … Read more
Blog
Bank of America Merrill Lynch Again Fails to Protect Clients
April 2, 2018
Bank of America Merrill Lynch reached a settlement with the state of New York to pay a $42 million fine for having a secret agreement to route client orders to… Read more
Blog
The (relative) Wealth of Nations
February 20, 2018
Annual Adjusted Wages for Cost of Living The U.S. is much wealthier than the rest of the world when adjusted for the cost of living in each country. It is… Read more
Blog
Stocks, Bonds and Volatility
February 7, 2018
Volatility has returned with a vengeance to the global financial markets. In the past week, we have seen several gyrations of a thousand points or more in the stock market… Read more
Blog
Missing the Market, Currencies & Big Macs
January 23, 2018
Many individual investors remain on the sidelines. The Wall Street Journal reports that many investors have missed the recent surge in stock prices. Since 2012 retail investors have been net… Read more
Blog
Dow 26,000, World Bank, 529 Plans
January 17, 2018
Dow stock index crosses 26,000. Move from 25,000 to 26,000 took just 7 trading days. It was the fastest 1000-point gain in stock market history. World Bank believes global economy… Read more
Blog
Consumer Confidence
November 26, 2017
The University of Michigan’s survey of consumer attitudes for November rose to 98.5 in Wednesday’s release. The reading reflects American consumers’ continued confidence and certainty about their financial prospects. Analysts… Read more
Blog
Goldman Sachs Sees an Overheated US Economy in 2018
November 26, 2017
This past week, Goldman Sachs issued its 2018 projections that forecasts the US economy growing so strong the Fed could possibly raise interest rates four times this coming year. Goldman’s… Read more
