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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

 

Tuesday, November 19, 2019

US Markets Following an early-month stumble, stocks rallied in October on news of progress in U.S.-China trade negotiations as well as a solid kickoff to earnings season. The Dow Jones Industrial Average picked up 0.48 percent, while...

 

Tuesday, October 29, 2019

According to the National Retail Federation’s annual survey conducted by Prosper Insights & Analytics, U.S. consumers plan to spend $3.2 billion on costumes, $2.6 billion on candy, $2.7 billion on decorations and $390 million on...

 

Tuesday, September 17, 2019

US Markets Stock prices choked in August as concerns about an economic slowdown and global trade tensions proved more powerful than upbeat news about the American consumer. The Dow Jones Industrial Average dropped 1.72 percent, while...

 

Wednesday, September 11, 2019

My first base as a Financial Officer in the United States Air Force was at Barksdale Air Force Base in Louisiana. That was also where my wife (expecting our first child) and I purchased our first home together. Similar to a lot of my...

 

Tuesday, August 13, 2019

US Markets Stocks raced to new highs in July, propelled by an expected cut in interest rates and better-than-expected corporate earnings. Despite a sharp sell-off on the final day of the month, the Dow Jones Industrial Average tacked...

 

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Tuesday, August 6, 2019

College marks a great milestone in a child’s life. It may be the first time he or she will live away from home. Dropping off your child at college may be an experience loaded with emotions, so here are a few tips for a smoother...

 

Tuesday, June 18, 2019

US Markets Investors’ hope of an imminent trade deal with China was shattered in May, driving stocks lower and increasing market volatility. The Dow Jones Industrial Average dropped 6.69 percent, while the Standard & Poor’s...

 

Tuesday, May 14, 2019

US Markets Stocks extended their rally this year on the heels of reinvigorated economic strength and better-than-expected corporate earnings, setting record highs in April. The Dow Jones Industrial Average gained 2.56 percent, while...

 

Tuesday, April 30, 2019

Last week, I posted a blog about the ABCs of Education Investing. I know paying for your child's education may be the furthest from you mind as you approach summer, but needless to say it is NEVER too early to prepare and strategize....

 

Tuesday, April 23, 2019

With school almost out for the summer in most of the country, you may not be thinking about how best to prepare for your child's future college expenses, but you should. Now is a good time to sharpen one’s pencil for a few...

 

Tuesday, April 16, 2019

US Markets Stock prices finished the month higher despite a volatile domestic bond market and several poor economic reports. The Dow Jones Industrial Average rose 0.05 percent, while the Standard & Poor’s 500 Index gained 1.79...

 

Tuesday, April 9, 2019

Anyone who has gone through the process of mapping out their retirement knows there can be a lot to keep in mind. Saving, investing, anticipating medical costs, and making sure you have enough tucked away for years to come is just the...

 

Tuesday, April 2, 2019

As parents, we encourage our children to work so they can learn important values about work and independence. At what point, if at all, do children need to file an income tax return for the money they earn? The IRS does not exempt...

 

Tuesday, March 26, 2019

In her will, American businesswoman Leona Helmsley left $12 million in a trust fund to her dog Trouble. Her four executors were responsible for seeing that her wishes were carried out. In the years after her death, they dealt with...

 

Tuesday, March 19, 2019

Insurance is meant to protect you against financial loss. But is it really meant to protect you from any and all financial loss? When it comes to filing a loss claim on your home insurance, there may be times when not filing may be the...

 

Wednesday, March 13, 2019

US Markets Stocks rallied on growing optimism that a trade agreement between the U.S. and China may be imminent as well as news that the Fed has paused any further interest rate hikes. The Dow Jones Industrial Average led for the month...

 

Tuesday, March 12, 2019

While Americans are entitled to take every legitimate deduction to manage their taxes, the Internal Revenue Service (IRS) places limits on your creativity. Here are some examples of deductions from the IRS that were permitted and some...

 

Tuesday, March 5, 2019

No one wants to see an Internal Revenue Service (IRS) auditor show up at his or her door. The IRS can’t audit every American’s tax return, so it relies on guidelines to select the ones most deserving of its attention. Here...

 

Tuesday, February 26, 2019

US Markets A change in tone by the Federal Reserve and a solid start to earnings season sparked a stunning reversal in investor sentiment and ignited a sharp rally to begin the new year. The Dow Jones Industrial Average gained 7.2...

 

Tuesday, February 19, 2019

The enactment of the Tax Cuts and Jobs Act represents “the most sweeping overhaul of the U.S. tax code in more than 30 years.”1 For millions of Americans and businesses it means an altered financial and investment landscape...

 

Tuesday, January 29, 2019

Right now, many households across the country are contending with the financial pressures resulting from the partial federal government shutdown. About 800,000 federal workers have been furloughed, and about 4 million government...

 

Tuesday, January 22, 2019

Health savings accounts (HSA) are one of the few investment vehicles that are available that are triple tax advantaged. This means that when you earn money today, it is not taxed. It grows inside the HSA tax free, and when you take it...

 

Tuesday, January 15, 2019

It’s not so uncommon when you hear someone who retired wanting to pack up their things and move. While it can be an exhilarating time, it can also be rather difficult, especially if their planning on buying a new house altogether...

 

Friday, January 11, 2019

US Markets A steep drop in investor sentiment, exacerbated by programmatic selling, sent stocks lower in December, resulting in deep losses across the major market indices. The Dow Jones Industrial Average dropped 8.7 percent, and the...

 

Wednesday, January 9, 2019

2018 was an up-and-down year for many Americans. The stock market boomed, and then it busted. No one knows what is on the horizon for 2019, but it doesn't hurt to set goals. Here are some financial goals that could help you get off to...

 

Wednesday, December 26, 2018

Since 2008, stocks have rewarded investors with solid returns. Can equity investors count on a repeat of recent history? Well, precise predictions about the market are notoriously difficult to distinguish from luck, and very easy to...

 

Tuesday, December 18, 2018

Tax season comes quickly after the year comes to a close. In 2018, a few changes have occurred due to legislation that was created by the Tax Cuts and Jobs Act of 2017. One of the main changes was a lowering of tax rates and a near...

 

Tuesday, December 11, 2018

You have until December 31 to do a qualified charitable distribution (QCD) for 2018. This is an effective tax strategy that many individuals are overlooking. A QCD is worth considering if you are donating to charitable organizations...

 

Tuesday, December 4, 2018

Yes, saving for retirement and planning for income is important but so is planning for the unexpected. It is incredibly easy to get caught up in the present and not think about how much one needs to take care of themselves in the...

 

Tuesday, November 27, 2018

You've spent the better part of your working years planning for your comfortable retirement. As you celebrated your last official day of work, you already had a pretty good idea of the value of your financial investment portfolio and...

 

Tuesday, November 20, 2018

Planning for retirement will be easier for those contributing to in 2019! Recent changes to a list of savings accounts are going to yield higher returns for savers in the new year. You will be able to take advantage of...

 

Friday, November 16, 2018

US Markets Stock prices took investors on a volatile ride in October as interest rates, global economic health concerns, and a smattering of disappointing corporate earnings reports dominated trading. The Dow Jones Industrial Average...

 

Tuesday, November 13, 2018

Time is almost up for this years Medicare Open Enrollment period. You have until the 7th of December to modify your existing Medicare plans. In this period you can enroll in a Medicare Advantage Plan or a Part D drug plan. Any...

 

Tuesday, November 6, 2018

Some seniors are dependent on their Social Security benefits, but the majority of your retirement income may be derived from other sources. While your Social Security income may not be your primary source of income in retirement, you...

 

Tuesday, October 30, 2018

Halloween may be an appropriate time for a good scare, we should limit unwanted surprises in retirement! Generalizations may not necessarily reflect your individual circumstance although there are fact-based reasons why the average...

 

Tuesday, October 23, 2018

You have worked hard for your money, because you have a bigger goal than just paying the monthly expenses. You have a long term goal that is important to you. For some, that goal is to be able to retire comfortably, while others have...

 

Tuesday, October 16, 2018

Retirement should be a time of rest, relaxation, and play. It should be about focusing on those pursuits that you wanted to do when you were younger, but you have yet to cross them off of your bucket list. Failing to plan for a...

 

Thursday, October 11, 2018

US Markets Stock prices turned in a mixed performance for September as large-cap issues trended higher and trade talks progressed. Meanwhile, technology stocks struggled, pulling the NASDAQ Composite down. The Dow Jones Industrials...

 

Tuesday, October 9, 2018

When planning one’s last will and testament, one always hopes that the people they will be passing on their hard-earned wealth to will be responsible enough to handle it well and if possible, carry on their legacy. This is a hope...

 

Tuesday, October 2, 2018

Life insurance is one of those things that many people prefer to avoid thinking about because it often conjures up dark images. Many people are jarred into realizing the importance of buying life insurance after a close friend or...

 

Monday, September 24, 2018

It may seem as if the end of the year is very far away and that there is no need to start making end of the year financial plans as of yet. However, the reality is that the end of the year, and the activities which surround it are busy...

 

Tuesday, September 18, 2018

President Donald Trump signed an executive order Friday, August 31, that proposes asking for reviews on changing certain rules for tax-deferred retirement savings such as 401(k)s and individual retirement accounts, or IRAs. Trump...

 

Wednesday, September 12, 2018

US Markets Strong corporate earnings and ongoing trade talks propelled stocks higher in August, as investors largely ignored economic events overseas. The Dow Jones Industrial Average climbed 2.16 percent, while the Standard &...

 

Tuesday, September 11, 2018

The average individual can spend less during their retirement due to a budget. One exception can be giving to charitable causes. A study by the WPI or the Women's Philanthropy Institute looked at the way households in America spent...

 

Tuesday, September 4, 2018

The way we work and save for retirement has changed and the old rules no longer apply to every individual's situation. There are many professionals with the resources to retire early, but continue working until retirement age just to...

 

Tuesday, August 28, 2018

In retirement it’s not always about the money you have, it’s about how much you are spending. As you prepare or revise your retirement plan, one of the most important steps that you can take is to ensure that your projected...

 

Tuesday, August 21, 2018

Achieving a high income and net worth is half the battle in the quest for financial security. The other half is trying to keep and grow your assets once you have them. While this latter half is perhaps a nice problem to have, it has...

 

Tuesday, August 14, 2018

If you are like many other hardworking adults, you may find yourself periodically dreaming about what life will be like after you leave the workforce and enter retirement. Regardless of whether you plan to simply kick back and relax...

 

Sunday, August 12, 2018

US Markets Stock prices moved higher in July, propelled by strong economic reports and robust corporate earnings while ignoring the woes of some high-profile tech names. The Dow Jones Industrial Average led, picking up 4.71 percent....

 

Tuesday, August 7, 2018

A common problem faced by insurance and annuity holders relates to a need to upgrade to a better financial option without paying taxes on gains earned on the old policy. There are many legitimate reasons for wanting to upgrade. AAFMAA...

 

Tuesday, July 31, 2018

Everyone should have a will; it ensures that your loved ones will receive the assets you wish them to have in the event of your death. To be clear, a will is a legal document that states how you want your property to be distributed and...

 

Tuesday, July 24, 2018

“To know the road ahead, ask those coming back” is the famous Chinese proverb although for this article it may be more fitting to say, to know the road ahead, ask those looking back. Everyone has different ideas of what it...

 

Wednesday, July 18, 2018

Know the Bolt difference. The purpose of this video is to explain how Bolt Financial Group helps individuals achieve their long-term goals. Reference below for key components on how we add value. After watching the video, if you have...

 

Tuesday, July 17, 2018

What is the status of the Patient Protection & Affordable Care Act of 2010 (ACA)? High-end net worth “seniors” planning for retirement need to know. How will the changes in the Affordable Care Act impact your retirement?...

 

Thursday, July 12, 2018

US Markets Markets were mixed in June amid more menacing trade tariff talk and a rising U.S. dollar. The Dow Jones Industrial Average fell 0.59 percent, while the Standard & Poor’s 500 Index gained 0.48 percent. The NASDAQ...

 

Tuesday, July 10, 2018

Rising Interest Rates And Your Portfolio The reality is that rising interest rates will likely continue through 2018. This has been choreographed by the Fed Reserve for some time now, and even most of the talking heads on television...

 

Tuesday, July 3, 2018

Summer seems to be the time to travel and the best thing about retirement is that you finally have time to travel. Whether you want to see more of the United States or explore foreign lands, the following list will help you find the...

 

Tuesday, June 26, 2018

Social Security has been a hot button topic for political pundits for decades. Many younger Americans fear that by the time they get to retirement age, the program's funds will be so depleted that they will receive little, if any,...

 

Tuesday, June 19, 2018

Few Americans have employers that save for their retirements automatically. Pensions are going the way of the dinosaur. Therefore, Americans are required largely to save for their own retirements. This means that it's important to make...

 

Tuesday, June 12, 2018

With the exception of those under 35 years of age, between 60 and 70 percent of the median household wealth in the US is tied up in home equity. Those within 10 years of retirement have about 40 percent of their net worth held outside...

 

Monday, June 11, 2018

US Markets Despite political drama in Italy and continuing trade friction, stocks posted their best monthly performance since January. The Dow Jones Industrial Average rose 1.05 percent while the Standard & Poor’s 500 picked up...

 

Tuesday, June 5, 2018

For millions of Americans, it's the question of how they will fund their healthcare expenses in retirement, according to a recent poll by Franklin Templeton. With the high costs of care, hospitalization, pharmaceuticals, and nursing...

 

Friday, June 1, 2018

Do you have a financial advisor? If so, how often do you speak to them? At Bolt Financial Group, we want you to be informed. Our goal is to create peace of mind for our clients so they have confidence in their plan and look forward to...

 

Tuesday, May 29, 2018

When you think of retirement, you probably think of a relaxing lifestyle free from the stresses of a 40-hour workweek. Life could instead get more stressful due to rising health care costs, which is one of the most expensive...

 

Friday, May 25, 2018

We build relationships and partner with people to help maximize their potential and help them achieve their goals.

 

Tuesday, May 22, 2018

Sadly, unscrupulous people often prey on the most vulnerable among us, and too often that means our senior citizens are targeted. Even worse, in some instances these abuses can go unreported. Perhaps because of embarrassment or fear...

 

Thursday, May 17, 2018

Don't get tricked by the Wall Street bullies. Watch this quick educational video where we dispel some of the investing myths, so that you can pocket your wealth instead of the Wall Street bullies. If you're interested in learning more,...

 

Saturday, May 12, 2018

 

Thursday, May 10, 2018

Monthly Marketing Insight

 

Tuesday, May 1, 2018

You take one kid to soccer, another kid to gymnastics, respond to e-mails, knock out some homework, jump on a conference call, practice for a spelling test, take the dog for a walk, attempt to get a work-out, answer more e-mails, help...

 

Wednesday, April 18, 2018

A lot of people hire financial advisors in hopes the advisor will improve their investment returns, lower their taxes, or improve their income stream. As such, the advisor sees themselves as an investment guru, tax management expert,...

 

Thursday, April 12, 2018

Taking the leap, like any dive into the unknown, can be scary. Transitioning from a culture unified by integrity and service before self adds to the uncertainty of an industry built quite differently. I transitioned from active duty...

 

Tuesday, April 10, 2018

US Markets Trade jitters and growing concerns about big technology companies facing greater government regulation sent stocks on a volatile ride in March. The Dow Jones Industrial Average lost 3.48 percent, while the Standard &...

 

Thursday, April 5, 2018

An underlying question always seems to present itself when I’m at networking events or just out meeting new people – “Why Bolt Financial Group?”. Bolt doesn’t necessarily scream finance or banking in any...

 

Tuesday, March 27, 2018

A common question I get asked is, "should pay off their mortgage before retirement?". Read further to discover 5 things to consider when deciding if you should get rid of that monthly payment.

 

Friday, March 16, 2018

Checking the weather? Guess what—you’re using a model. While models can be useful for gaining insights that can help us make good decisions, they are inherently incomplete simplifications of reality. In investing, factor...

 

Friday, March 2, 2018

Until early 2018, stocks were enjoying their longest period without a five percent pullback in nearly 90 years.1,2 But in early February, that calm came to a sudden and decisive end, as the Standard & Poor’s 500 Index fell more...

 

Monday, February 19, 2018

Bolt Financial Group, a new financial planning firm co-founded by Shaun Carney and Nora Lamendola, is set to open this week in Worthington, Ohio. Their strategy is based on sixty years of Nobel Prize winning research, together forming...