Wealth Planning

Looking Back at the Articles Our Clients Found Most Helpful This Year

Every week, we thoughtfully craft these pieces with our clients in mind, broaching subjects we think are relevant and interesting.

As 2023 nears its end, we wanted to take this occasion to look back at the articles we’ve produced for our clients so far this year and share the 10 most popular pieces, in case you missed any of them — or if you want to revisit and share them with friends and family.

Every week, we thoughtfully craft these pieces with our clients in mind, broaching subjects we think are relevant and interesting. This is not syndicated content. We want you to find value in these letters — especially in times like these.

1. A New Bull Market Has Begun — Here’s What Investors Should Know

Charging Bull sculpture in New York City.

June 15: The S&P 500 closed more than 20% higher than its October low. For now, the 2022 bear market is over. Read more

2. 2023 at the Halfway Point: Where We’ve Been and What Lies Ahead

Business meeting, leader or accountant consulting worker, employee or team manager for tax, audit or financial budget. Planning, collaboration or teamwork for strategy, innovation or mortgage review

June 22: Here are some of the key indicators and trends we are watching for the second half of the year. Read more

3. Here Are the Portfolio Changes We’re Making as We Near the End of the Year

Pie chart showing a mutual fund portfolio.

Nov. 9: The world in which interest rates stay higher for longer is not one we have been accustomed to for the last 15 years. Read more

4. The RMD Deadline Is Right Around the Corner — Are You Prepared?

Confident mature woman using laptop computer for remote work, watching webinar and taking notes sitting at home. Contemporary senior female online teacher holding video conference and making marks.

Oct. 26: It is important to understand your options to maximize your income and avoid a costly tax mistake. Read more

5. Here’s Why Patience May Be an Investor’s Greatest Asset

Portrait of a real estate agent consulting a mature couple at office.

Sept. 21: There will always be reasons to worry about the market, but not doing anything can be a very powerful choice. Read more

6. Understanding the 10-Year Treasury and Why It Matters to Investors

Interest rates, yields moving up. Yields and maturities for bonds. Stock market and exchange screen, finance, savings. 3D illustration.

Nov. 2: The rising yield can be a barometer for interest rates on mortgages, student loans and other forms of borrowing. Read more

7. The Portfolio Changes We’re Making as We Enter the Third Quarter of 2023

Financial advisor or business people meeting discussing financial figures. They are discussing finance charts and graphs on a laptop computer. Rear view of sitting in an office and are discussing performance

June 29: The market is watching to see if a recession unfolds, caused by interest rate hikes, inflation and remaining effects of the banking crisis. Read more

8. Turning Investment Losses into Gains: The Art of Tax-Loss Harvesting

Business accounting concept, Business man using calculator with computer laptop, budget and loan paper in office.

Oct. 20: Not every investment will be a winner, but sometimes an investment that has lost money can still do some good. Read more

9. What Does the Fed’s ‘Higher-for-Longer’ Stance Mean for Investors?

The Federal Reserve System with jigsaw puzzle paper, the central banking system of the United States of America.

Sept. 28: The Fed is working hard not to allow inflation to rear its head again, after it has steadily declined over the last six months.  Read more

10. Don’t Wait Until Retirement to Learn About Medicare — Here’s What You Should Know

Senior woman at the hospital paying a visit to the doctor.

July 20: For many people, the cost of healthcare is the biggest unknown for retirement planning. Read more

The CD Wealth Formula

We help our clients reach and maintain financial stability by following a specific plan, catered to each client. 

Our focus remains on long-term investing with a strategic allocation while maintaining a tactical approach. Our decisions to make changes are calculated and well thought out, looking at where we see the economy is heading. We are not guessing or market timing. We are anticipating and moving to those areas of strength in the economy — and in the stock market. 

We will continue to focus on the fact that what really matters right now is time in the market, not out of the market. That means staying the course and continuing to invest, even when the markets dip, to take advantage of potential market upturns. We continue to adhere to the tried-and-true disciplines of diversification, periodic rebalancing and looking forward, while not making investment decisions based on where we have been.

It is important to focus on the long-term goal, not on one specific data point or indicator. Long-term fundamentals are what matter. In markets and moments like these, it is essential to stick to the financial plan. Investing is about following a disciplined process over time.

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This material contains an assessment of the market and economic environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. Forward-looking statements are subject to certain risks and uncertainties. Actual results, performance, or achievements may differ materially from those expressed or implied. Information is based on data gathered from what we believe are reliable sources.

Using diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss of principal due to changing market conditions.

Past performance is not a guarantee of future results.

The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regard to your individual situation.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS) an affiliate of Kestra IS. CD Wealth Management and Bluespring Wealth Partners LLC* are affiliates of Kestra IS and Kestra AS.  Investor Disclosures: https://bit.ly/KF-Disclosures

*Bluespring Wealth Partners, LLC acquires and supports high quality investment adviser and wealth management companies throughout the United States.

Fidelity Investments and Fidelity Institutional® (together “Fidelity”) is an independent company, unaffiliated with Kestra Financial or CD Wealth Management. Fidelity is a service provider to both. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity has not been involved with the preparation of the content supplied by CD Wealth Management and does not guarantee, or assume any responsibility for, its content. Fidelity Investments is a registered service mark of FMR LLC. Fidelity Institutional provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC.

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