Upcoming Earnings Fiduciary UpdateFinancial VampiresSmall Business Retirement PlansReferences:https://www.marketwatch.com/story/this-rotation-in-stocks-is-the-bull-markets-lifeblood-as-s-p-500-logs-record-peak-e9f11974?mod=home-page https://www.thinkadvisor.com/2024/10/07/top-dol-official-sees-a-nonsensical-reality-at-heart-of-fiduciary-fight/

Aggressive FedHSA Bills for Fido and MoreInfo or Ad?Term and Whole LifeReferences:https://www.marketwatch.com/story/fed-starts-rate-cutting-cycle-with-a-bang-but-wants-it-to-be-the-only-one-a44f0d37?mod=the-fedhttps://www.thinkadvisor.com/2024/09/18/bill-could-throw-hsa-money-to-the-dogs-and-cats/ https://www.thinkadvisor.com/2024/09/09/new-house-bill-could-create-roth-like-hsa-alternative/

Markets and the FedPermanent DOL Fiduciary FightSummer has Ended Multiple Risk Tolerance LevelsReferenceshttps://www.marketwatch.com/story/investors-zero-in-on-inflation-again-with-biggest-interest-rate-cut-in-16-years-hanging-in-the-balance-f6fab4a4?mod=home-pagehttps://www.thinkadvisor.com/2024/08/27/dol-fiduciary-rule-battle-could-take-years/

Fed Rate Cut Fiduciary Struggles Football and Finance Tax DeadlinesReferences:https://www.marketwatch.com/story/stock-market-investors-should-focus-on-the-fed-over-the-presidential-election-9f621cc9?mod=home-page https://www.thinkadvisor.com/2024/07/29/second-court-halts-new-fiduciary-rule-as-dol-hits-back/

Market RallyLong-Term Care and 401(k) ProposalsCollege Funding401(k) ParticipationReferences:https://www.thinkadvisor.com/2024/08/12/house-bill-could-create-an-unlimited-ltci-premium-deduction/ https://www.thinkadvisor.com/2024/08/09/new-bill-extends-401k-access-to-workers-under-21/

Slowing Economy AdvantagesFiduciary Rule Litigation Saving an Emergency Fund Funding 529 plans References:https://www.bloomberg.com/news/articles/2024-07-24/us-economy-growth-slows-and-the-fed-is-ok-with-it?srnd=homepage-americas https://www.thinkadvisor.com/2024/07/26/dol-fiduciary-rule-halted-by-texas-court/

Q2 Market Results Overturning Chevron Football and FinanceWhy Create a Financial Plan?References:https://www.thinkadvisor.com/2024/06/28/vanguard-warns-customers-to-hang-up-and-log-in-or-else/ https://www.thinkadvisor.com/2024/06/28/supreme-court-overturns-chevron-rule-in-blow-to-agency-power/ 

Cooling Inflation 5th Circuit ChallengesInvesting in Fireworks RMDsReferences:https://www.bloomberg.com/news/articles/2024-06-22/fed-rate-cuts-latest-key-inflation-gauges-may-offer-path-to-move-in-september?srnd=economics-v2 https://www.thinkadvisor.com/2024/06/21/private-fund-rule-strikedown-puts-more-sec-rules-in-peril/

May Markets and Economy One-Day SettleVacation PlanningContingent BeneficiariesReferences:https://www.marketwatch.com/story/economists-see-healthy-job-growth-return-to-growth-in-service-sector-3c82fc1d?mod=home-page https://www.thinkadvisor.com/2024/05/28/wall-street-moves-to-fastest-settlement-of-trades-in-a-century/

Inflation Relief Fiduciary Conflict Planning Your Wedding What is "Sell in May and Go Away"?References:https://www.nytimes.com/live/2024/05/15/business/cpi-inflation-fed https://www.thinkadvisor.com/2024/05/15/lawmakers-move-to-torpedo-new-dol-fiduciary-rule/ https://corporatefinanceinstitute.com/resources/career-map/sell-side/capital-markets/sell-in-may-and-go-away

Fed Again Fiduciary LawsuitMom, Take Care of Yourself! Taking Social Security When You Work References:https://www.thinkadvisor.com/2024/05/02/new-dol-fiduciary-rule-hit-with-first-lawsuit/

Sticky Inflation Finally Fiduciary Turning Dreams to GoalsSmall Business Retirement Plans References:https://www.barrons.com/advisor/articles/department-of-labor-issues-fiduciary-rule-retirement-advice-b190a0dd https://www.kitces.com/blog/weekend-reading-for-financial-planners-april-27-28-2024 https://www.federalregister.gov/documents/2024/04/25/2024-08065/retirement-security-rule-definition-of-an-investment-advice-fiduciary

Fed Movements and Inflation 10-Year RMD DelayedSmall Goals Add Up When Your Friend is Grieving References:https://www.thinkadvisor.com/2024/04/17/irs-waives-2024-rmds-for-ira-beneficiaries-under-10-year-rule

Quarterly DataFed Speak RoboAdviser Regs Planning for a Storm Target Date FundsReferences:https://www.bloomberg.com/news/articles/2024-03-31/asian-stocks-set-to-gain-as-fed-awaits-more-data-markets-wrap?srnd=markets-vp https://www.thinkadvisor.com/2024/03/27/sec-updates-rules-for-robo-advisors/ https://www.nixonpeabody.com/insights/articles/2024/03/28/the-new-sec-rules-that-will-impact-advisers-that-utilize-the-internet https://www.sec.gov/files/ia-6578-fact-sheet.pdf

Fed SpeakFiduciary Update2024 TaxesTerm vs Whole InsuranceReferences:https://www.marketwatch.com/story/fed-still-on-track-for-june-rate-cut-and-2-other-takeaways-from-powells-press-conference-8dfe3ab3?mod=economy-politicshttps://www.thinkadvisor.com/2024/03/19/dol-fiduciary-rules-could-apply-during-years-of-litigation-limbo/

Fed Rate Cut ScheduleDOLs Fiduciary TimelineShould You Take Advice From a Leprechaun? Preparing a Loved Ones Final Tax ReturnReferences:https://www.marketwatch.com/story/doing-my-mothers-last-tax-return-is-the-hardest-financial-task-ive-ever-had-61dc5b56?mod=beth-pinsker

Nvidia Earnings Anticipated Rate CutsAdvisers and Money Laundering RegsRisk Tolerance ConsiderationsWhen should I take Social Security benefits?References:https://www.marketwatch.com/story/nvidia-now-worth-2-trillion-becoming-only-third-u-s-company-to-hit-that-mark-3f717418?mod=home-page https://www.marketwatch.com/story/inflation-should-slow-enough-to-spur-interest-rate-cuts-later-this-year-feds-williams-says-361599e4?mod=economy-politics https://www.investmentnews.com/compliance/news/treasury-proposes-anti-money-laundering-rule-for-financial-advisors-249452

What is Coast Fire? SEC Continues During Election YearPlanning for Natural DisastersSaving Money for Your Childrenhttps://time.com/personal-finance/article/what-is-coast-fire/ https://www.thinkadvisor.com/2024/02/15/gensler-vows-to-advance-secs-rule-agenda-as-election-looms/

The Super Bowl and The Stock Market Communicating with Your Financial Adviser Preparing to Do Your TaxesIncluding Payments in Your Credit ScoreResources:https://www.marketwatch.com/story/which-is-better-for-stocks-a-super-bowl-win-for-the-49ers-or-the-chiefs-39e7ff0f?mod=home-pagehttps://www.thinkadvisor.com/2024/02/09/cambridge-northwestern-mutual-among-16-firms-hit-with-texting-fines/

Booming Jobs Report Simplifying Retirement Plan Movement The Best Valentine’s Gift You Can Give RMD ChangesReferences:https://www.bloomberg.com/news/articles/2024-02-02/us-payrolls-surge-by-353-000-at-start-of-year-wages-also-jump?srnd=economics-v2 https://www.dol.gov/newsroom/releases/ebsa/ebsa20240118#:~:text=Auto%2Dportability%20transactions%20involve%20automatically,sponsored%20by%20their%20new%20employer

January Market SummaryEmergency Savings AccountsCrypto ConsiderationsWho Pays Gift Tax?

2023 MarketsBitcoin ETFs Secure 2.0 Clarified Successful Resolutions Landlord LiabilityReferences:https://www.thinkadvisor.com/2024/01/05/bitcoin-etf-issuers-clear-major-hurdle-on-path-to-sec-approval/ https://www.thinkadvisor.com/2024/01/04/irs-clarifies-secure-2-0-rules/

New Fed ToneNew Fiduciary Rule Won’t Hurt Smaller InvestorsHow the Grinch Learns Good Money Skills What’s a Santa Claus Rally?References:https://www.marketwatch.com/story/fed-could-be-the-grinch-who-stole-cash-earning-5-what-a-powell-pivot-means-for-investors-35422034?mod=home-pagehttps://www.thinkadvisor.com/2023/12/13/consumer-groups-hit-back-at-dol-fiduciary-rule-foes/ https://en.wikipedia.org/wiki/How_the_Grinch_Stole_Christmas!#:~:text=Dr.%20Seuss%20working%20on%20How,How%20the%20Grinch%20Stole%20Christmas! 

Black FridayIRS Clarification on Venmo TransactionsMedicare Advantage PlansRMD Start Date ConfusionReferences:https://www.marketwatch.com/story/black-friday-online-shopping-up-more-than-7-poised-to-set-new-record-4e693faa?mod=home-page

Halloween Edition!Manage Market Fears with Risk Tolerance Who Are You Really Working With? What's Behind Your Investments Masks? ESG Considerations 

Great Job Report Money Market Regulations Making Your Money Less ScaryWhat’s a Wash Sale?https://www.bloomberg.com/news/newsletters/2023-10-06/bloomberg-evening-briefing-another-unexpected-surge-in-us-employmentwww.sec.gov/files/rules/final/2023/33-11211.pdf

Interest Rates Taxing Digital Currencies Financial Football--DefenseWhen are Taxes Due? 

Federal Reserve Action This Week Spousal 401k distributions Football and Finance My Number One Question

Fitch DowngradeSocial Security Disability Taxation Planning Before the HolidaysCalculating Your Retirement Need https://www.cnbc.com/2023/08/03/warren-buffett-says-hes-not-worried-about-fitchs-us-downgrade.html https://www.axios.com/2023/08/02/fitch-downgrade-us-ratinghttps://www.thinkadvisor.com/2023/08/02/new-bill-would-exclude-social-security-lump-sums-from-tax-hit/  

Market UpdatePonzi SchemesPlanning for Education 529 Plan Conversions to Rothshttps://www.forbes.com/advisor/retirement/529-to-roth-ira/

Recession Averted? RMDs Clarified? Salsa and PortfoliosEveryone Needs Estate Documents https://www.bloomberg.com/news/articles/2023-07-21/s-p-500-s-great-bear-market-unwinding-is-happening-at-a-frenetic-clip  

YTD Market and Economic DataMoney Market Liquidity New Student Loan Plans Preparing for Retirement Risk and Stresshttps://www.investmentnews.com/sec-overhauls-money-market-fund-rules-to-thwart-rapid-outflows-239786 https://www.investmentnews.com/biden-unveils-new-student-debt-forgiveness-plan-239924

Fed PauseMy DC Advocacy Trip DOL Fiduciary Rule Investments and Fireworks 529 Plans 

This week's show features the following topics:Social Security Viability, Climate Disclosure Rules, Planning Your Summer Vacation, What’s Negative Election?https://www.thinkadvisor.com/2023/05/12/dont-panic-social-security-isnt-going-away-anytime-soon/ https://www.investmentnews.com/secs-delay-on-climate-disclosure-rule-leaves-companies-in-limbo-237558

Debt Ceiling DeadlineEmailed Financial InfoLook Up, Be Brave (the first chapter of my new book) Celebrating Mother’s Day

Debt Ceiling Again, Emailed Financial Docs, Look Up! Be Brave! Happy Mother's Day! https://www.investmentnews.com/top-democrat-opposes-bill-facilitating-e-delivery-of-investment-documents-23687552 Weeks to Well-Being, "Chapter One" 

It's Halloween, and financial vampires are everywhere! Peggy will show you how to find and vanquish them without garlic or a stake!Special Music: The Count's Castle by Shane Ivers - https://www.silvermansound.com

Both budgets and diets can be difficult to maintain, but there are similar ways to make them work. Let Peggy show you some strategies for success.

Financial dreams are great, but they are difficult to achieve. You can turn your financial dreams into financial goals if you take three easy steps. Listen to Peggy tell you what they are!

Your cash flow is central to calculating your cash flow, your life insurance need, and your retirement. Rules of thumb aren't safe. Listen and learn how to give yourself a better chance of success at saving!

Why did Peggy Doviak change careers from corporate training to personal finance? Spoiler--she was angry with a broker who took advantage of her mother! Listen to the podcast to learn what happened and how to take steps to keep yourself financially safer!