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Sunday, July 26, 2020

WE EXPECT INTEREST rates to remain at historically low levels, but the direction may be higher over the rest of 2020. Our year-end base-case forecast for the 10-year US Treaury yield is 1–1.5%, which would be the lowest level to...

Thursday, June 4, 2020

During these trying times, it is important for each of us to let others know that what they are feeling is not unique. The reality is that we truly are "all in this together". Just as we were seeing a light at the end of the COVID-19...

Wednesday, May 27, 2020

Life as we know it has changed dramatically during 2020. As the coronavirus spread across the United States, cities and states issued shelter-in-place orders to slow the spread of the coronavirus and prevent healthcare facilities from...

Friday, April 24, 2020

Most of our clients are old enough and/or have been with us long enough to have experienced at least one previous crisis, the most recent until now being the financial collapse of 2008. During those difficult times we were able to...

Tuesday, April 21, 2020

Understanding family attitudes towards money may improve financial decisions and reduce financial stress. Understanding family attitudes towards money may improve financial decisions and reduce financial stress. People inherit more...

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Saturday, April 18, 2020

If you have ever been flattened by a rogue wave while fishing or sunbathing on the shore, you probably recognize the emotional responses that have accompanied the pandemic wave crashing across the United States – shock, anxiety, and...

Friday, March 6, 2020

In late February, concern that efforts to contain Coronavirus Disease 2019 (a.k.a. COVID-19) might result in slower global economic growth disrupted global markets. Share prices fell as economists and financial analysts revised growth...

Thursday, February 27, 2020

There was a little something for everyone in the ‘Setting Every Community Up for Retirement Enhancement’ (SECURE) Act, a piece of bipartisan legislation that was attached to the United States federal spending bill and signed into law...

Thursday, January 30, 2020

The best place to retire in the United States is in dispute. There’s no formal debate, but a review of reliable publications showed surveys have named different states and cities as the “best” place to retire. For instance: • Iowa was...

Wednesday, January 1, 2020

Not everyone is financially prepared for retirement. Earlier this year, the Employee Benefit Research Institute estimated almost 41 percent of American households will run short of money in retirement. That’s an improvement over 2014...

Friday, December 6, 2019

After the Thanksgiving turkey has been eaten, the Black Friday bargains have been found, and the Cyber Monday gadgets are wrapped and under the tree, it’s time for Giving Tuesday…a day set aside for charitable thoughts...

Monday, December 2, 2019

You’ve probably never asked your adult children and younger relatives whether they have security software on their computers and devices. Why would you? They’re digital natives, born with keyboards under their fingertips.It may be time...

Thursday, October 31, 2019

One of the most discussed topics in the United States is retirement security. Few Americans have set aside enough savings to live comfortably throughout retirement. In fact, the most recent National Retirement Risk Index (NRRI)*...

Monday, September 30, 2019

The simple answer is probably.Historically, the American economy has grown in fits and starts, otherwise known as recessions and expansions. As a result, it is likely there will be another recession in the United States.What are...

Tuesday, September 3, 2019

Would you give up a share of $62 billion?Would you give up a share of $62 billion?If your answer is no, then you may be a member of the relatively small group of Americans (36 percent) that takes all of the vacation days available to...

Tuesday, July 30, 2019

The world is becoming smarter and more connected all the time – and that has serious implications for people who want to protect their personal data and their privacy. If you’ve been enjoying the convenience of smart utilities and...

Thursday, June 27, 2019

Life, Liberty, and Tax-Advantaged Investing Americans are passionate about taxes. We have reason to be. In recent years, Americans have spent more on taxes than on food, clothing, and housing combined.1 The Tax Foundation estimates...

Thursday, May 30, 2019

Throughout history people have made inheritance choices that are inexplicable to others. In 1926, Harry Houdini left his magical equipment to his brother, his pulled-from-the-hat rabbits to the children of friends, and a series of...

Monday, April 29, 2019

Where do you set aside the money you’re saving for retirement? If you’re like many Americans, you save for retirement primarily through an employer’s retirement plan, according to Pew Research.1Unfortunately, less than one-half of...

Thursday, March 28, 2019

It’s no secret healthcare costs are going up. Medical expenses have been steadily increasing for years. In 2007, costs were up almost 12 percent. However, the rate of increase slowed to 6 percent during the past five years and that...

Wednesday, February 27, 2019

How many password-protected accounts do you have?If you keep mental inventory, use a password manager, or have a written record of your passwords (which is not recommended by anyone), take a quick count. You’re likely to find you may...

Tuesday, January 29, 2019

Whether you own a house or rent an apartment, building a smart home is easier than it has ever been. Homeowners and renters can purchase kits that integrate specific smart items or they can select smart home products, such as light...

Monday, January 7, 2019

It’s only January, but you may want to jumpstart your 2018 taxes since there are a slew of new regulations that may affect you. The Tax Cut and Jobs Act (TCJA) of 2017 goes into effect this year so make sure you understand how tax...

Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

Monday, November 5, 2018

You wouldn’t trust your health to someone who isn’t an MD, so why would you trust your financial future to someone who isn’t a CFP®? The designation Medical Doctor assures you that person is qualified to diagnose,...

Tuesday, October 30, 2018

It’s a pricey question.It’s a pricey question.College Board estimated the average cost for full-time, in-state students who live on campus at four-year public colleges or universities during the 2017-18 school year is $25,290...

Monday, October 1, 2018

Here’s a number that will knock your socks off: $400 trillion.1By 2050, the retirement savings shortfall in eight of the world’s largest economies is expected to reach $400 trillion, according to estimates from the World Economic Forum...

Wednesday, August 29, 2018

How long will you live? How long will you live? It’s not a question anyone can answer with any certainty, and that creates a significant risk when planning for retirement. Your retirement may last for a long time, and you will need to...

Thursday, August 2, 2018

In recent years, investors have largely ignored geopolitical risks. Russia’s invasion of the Crimean Peninsula, the Brits’ vote to leave the European Union (EU), unrest in the Middle East, and other global events have not affected...

Thursday, June 28, 2018

To the relief of many South Africans, Day Zero has been pushed back to 2019. Day Zero is the date on which Cape Town will run out of water, and its four million residents will begin to collect daily water rations of about seven gallons...

Sunday, June 24, 2018

Summer is the time of sun, fun, and relaxation that is unless you live in a hurricane zone. If you do, you likely know about the dreaded “cone of uncertainty used by weather forecasters to predict the likely path of a storm. The...

Tuesday, June 12, 2018

If your chosen career were test pilot or high-wire performer you would be someone who is not adverse to risk. However when it comes to your retirement, “risk” requires a new perspective, where success means balancing your...

Wednesday, June 6, 2018

The words ‘bear market’ have been bandied about a lot lately. When you read or hear them, remember to respond the same way you would if you saw an actual bear in the woods – by staying calm and keeping your wits about you. A changing...

Tuesday, June 5, 2018

Memorial Day reminds us of the sacrifices that have been made to keep us safe and provide the freedom we all enjoy. It is a time to honor our military and thank them for their service. It is also the traditional start to summer: School...

Wednesday, March 28, 2018

“There’s no place like home.”1Conjuring an image of ‘home’ was a lot easier for Dorothy than it is for people who are on the cusp of retirement. After all, isn’t retirement supposed to be a new start? Aren’t retirees supposed to wave...

Tuesday, February 27, 2018

Here’s a number most people would like to see on an annual statement: 21.6 percent. That was the annual return for the Standard & Poor (S&P) 500 Index during 2017. In general, U.S. stock indices did quite well last year – and the year...

Tuesday, January 30, 2018

Here’s a riddle for you: Some people are reluctant to start me, unless I’m automatic. I’m frequently exhausted when I don’t roll over. I’m sometimes left behind. Retirees devour me. What am I? Answer: A retirement savings plan.New jobs...

Thursday, December 28, 2017

How times change! In 1940, half of Americans finished their education in eighth grade. College degrees were relatively rare. Just 6 percent of men and 4 percent of women had one.1During the past 80 years, college has become far more...

Thursday, December 28, 2017

The last bear market in bonds began in the middle of the last century and lasted for about 31 years. Some investors who bought bonds in 1950 locked in relatively low rates of return for a very long time. On January 1, 1950, 10-year U.S...

Wednesday, December 27, 2017

You wouldn’t get your eyes examined by a foot doctor or your car repaired by the pizza delivery person, so why would you trust your last Will and Testament to anyone other than financial professionals and an estate planning...

Tuesday, December 12, 2017

As the end of the year approaches our calendars fill up with shopping, parties and generally making merry. But you may not feel merry on April 15 of next year. Why? Because you need to find time in that busy schedule to evaluate your...

Wednesday, November 29, 2017

There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for retirement. There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for...

Tuesday, November 21, 2017

It’s no secret that women are the primary US consumers, making most purchasing decisions for themselves and their families, from grocery stores to doctor’s offices to auto dealerships, women choose where and with whom to...

Tuesday, November 7, 2017

There’s an old expression often used by parents to make a point to children, but it’s applicable at any age, “Show me who your friends are and I’ll show you who you are”. We tend to choose our friends...

Monday, October 30, 2017

Retirement and Social Security are inextricably linked. Not only did Social Security help establish the official U.S. retirement age at 65, it also provides a significant portion of today’s retirees’ incomes. Retirement and Social...

Monday, October 23, 2017

When it comes time to prepare for retirement, veterans and their families have many resources available to them. Those resources include pensions, a civilian income, Social Security (or possible disability income), VA healthcare and...

Wednesday, October 18, 2017

Although you may be cautious with how you share your personal information online, you are still vulnerable to hackers. It is estimated that over 25 million Gmail and Yahoo accounts are being sold online. Many of these accounts were...

Monday, October 9, 2017

You buy your dream house in a great neighborhood. You work hard; you raise kids you’re proud of. You get them through college and start thinking about retirement. You know you should have been thinking about it sooner, but there...

Tuesday, September 26, 2017

If you’ve ever been to a self-improvement class or leadership training seminar you may have heard the story about the oxygen mask that drops down from the ceiling when an airplane is having a problem. The speaker will tell you...

Tuesday, September 12, 2017

Being a single woman, whether widowed, divorced, or never married, makes planning for retirement not only a reason for good money management, it makes retirement planning important for your health and happiness. How far will your...

Wednesday, August 30, 2017

In a 2002 interview with Mike Wallace, former First Lady Nancy Reagan said she often reread the love letters written by her husband, former President Ronald Reagan. The letters, which had sustained and enriched their relationship,...

Friday, July 28, 2017

While some may be concerned about the iconic American meat that arrives in a rectangular 12-ounce tin (and is inexplicably popular in certain island states and American territories), more should be wary of its namesake – the spam that...

Tuesday, July 18, 2017

On July 13th, One Financial Services, gave back to the community by donating both their time, much needed baby items and money to Mary’s Shelter Cay Gallon located in Bethlehem, PA. Per their website, May’s Shelter provides...

Thursday, June 29, 2017

The bull market in U.S. stocks has been charging ahead for more than eight years.1 While that’s young in people years, it’s ancient in bull market terms. Since World War II, the longest bull market in U.S. stocks lasted for almost...

Saturday, June 17, 2017

Emilio “Jack” Morrone lives with his wife and two of his kids in a house on a little hill in Pennsylvania’s Lehigh Valley. A shiny scale model of an antique locomotive sits on the gently sloping lawn, a salute to the...

Tuesday, May 30, 2017

Wouldn’t it be something if you could plump up your retirement savings as easily as you can put on a few pounds eating fast food? Here’s one way to do it: Open a health savings account (HSA). It offers a triple tax advantage and you...

Thursday, April 27, 2017

We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at older ages. The bad news is...

Thursday, March 30, 2017

It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an...

Monday, February 27, 2017

More than one-half of working Americans know little or nothing about Medicare costs.1 Not knowing can be expensive. On average, people who haven’t yet retired estimate they’ll spend approximately $50,000 on health care after retirement...

Monday, January 30, 2017

How many times did you login to a digital account today? It probably was more than once. Some people access digital sites via computer or tablet, but many others rely on their phones. Deloitte recently reported the essentials of life...

Thursday, December 29, 2016

Retirement IncomeHere’s a million dollar question: How will you transform your savings into income that will last throughout your retirement?1There are probably as many answers to that question as there are retirees. However, all...

Tuesday, November 29, 2016

For about 35 years, investors have enjoyed a bull market in bonds. At the start of 1982, the interest rate on 10-year U.S. Treasury bonds was 14.2 percent. By November 1, 2016, interest rates had fallen to 1.8 percent.1 Since bond...

Friday, October 28, 2016

In the 1970s, a TV episode of The Odd Couple taught viewers never to assume.1 It’s a lesson we appear to have forgotten. Many Americans assume Medicare will provide financial assistance to help with long-term care costs in retirement....

Thursday, September 29, 2016

If you ask people what creates stress in their lives, money is often at the top of the list. Stress in America: Paying With Our Health found money was a somewhat or a very significant source of stress in the lives of 64 percent of...

Tuesday, August 30, 2016

You may not have heard of the Longevity Market but, if you’re older than 50, you’re one of its 74.9 million members.1 It may be easiest to think of the Longevity Market as another way of describing the Baby Boom and preceding...

Thursday, July 28, 2016

Most investors are familiar with the maxim ‘buy low and sell high.’ The unfortunate reality is that it’s a difficult principle to follow. Buying low often means investing in a company when its shares are priced below full value.Of...

Wednesday, June 29, 2016

You may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is, in fact, the most common living arrangement for this age group and a...

Tuesday, May 31, 2016

In medieval times, alchemists sought methods for transforming ordinary metals into gold. Today, just about every adult searches for a means of transforming savings into a retirement’s worth of income. Recently, they received help from...

Friday, May 13, 2016

This is Part 3 of a three-part installment from a talk given by Jack Morrone, Principal and Co-Founder of One Financial Services, promoting two of several non-profits prominent in his life. This is a story in three parts… First...

Thursday, March 31, 2016

College students have steep learning curves. In high school, they were tasked with doing well academically, participating in extracurricular activities, complying with the rules of their parents’ homes and, possibly, having a job...

Friday, March 11, 2016

Charity, Community Support One Financial Services held a clothing drive collecting gently used women’s business clothing and accessories in their office on Tuesday, March 8th in honor of International Women’s Day. The...

Monday, March 7, 2016

Fundraising Those of us who can enjoy watching the same movie time after time, (I’m talking to the point that we can recite the actor’s lines and delivery in tandem with the movie itself) should enjoy the following. One of...

Friday, February 26, 2016

It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some Americans, others may benefit by contributing to a Roth IRA that...

Friday, January 29, 2016

The world’s first central bank offered unprecedented convenience. It gave 17th century Swedes the option to pay with paper notes rather than 40-pound copper plates, which were the currency units of the Swedish empire at the time....

Thursday, January 21, 2016

Technology, Money Management, Apps From your bank, to trendy restaurants, and even Major League Baseball parks, everybody has a handy smartphone loaded with apps that provide useful information and services. The latest statistics show...

Monday, January 11, 2016

Dear Valued Investor: While a new year means new beginnings — changing to a new calendar, signing up for a new gym membership, and struggling to remember to write 2016 on our checks — markets are starting 2016 off with the...

Wednesday, December 30, 2015

The beginning of a New Year presents the perfect opportunity to start fresh and get organized! Although it may seem like an intimidating task, clearing out the clutter will actually help reduce stress. Disorganization puts on an...

Monday, October 26, 2015

You may have heard of tax loss harvesting. Some people harvest losses every year, while others do so only when they have taken significant capital gains or have received more income than expected during a given year (perhaps they sold...

Monday, October 26, 2015

You may have heard of tax loss harvesting. Some people harvest losses every year, while others do so only when they have taken significant capital gains or have received more income than expected during a given year (perhaps they sold...

Monday, October 5, 2015

Twenty-five years ago, the Americans with Disabilities Act was signed into law, guaranteeing disabled Americans – people with mental, physical, or emotional disabilities – equal opportunity in employment, transportation, government...

Wednesday, August 19, 2015

Healthcare. Retirement. Those may be two of the most stressful words in the English language today. Especially when you include them both in the same sentence. For instance, a married couple that saves $326,000 has a 90 percent chance...

Friday, August 7, 2015

How Do You Make Money in Stocks?Have you ever watched Family Feud? Perhaps you were a child when Richard Dawson hosted the game show or maybe you enjoy the current version. No matter, take a moment and:• Name a three-letter word that...

Wednesday, June 17, 2015

While your high school student is taking standardized tests, parsing college choices, and raring for graduation, you’ll probably find yourself spending some time with net income calculators on college websites. Whether your family’s...

Tuesday, May 26, 2015

This is Part 2 of a three-part installment from a talk given by Jack Morrone, Principal and Co-Founder of One Financial Services, promoting two of several non-profits prominent in his life. This is a story in three parts… First...

Thursday, May 14, 2015

This is Part I of a three-part installment from a talk given by Jack Morrone, Principal and Co-Founder of One Financial Services, promoting two of several non-profits prominent in his life. I’m going to tell you a story in three...

Monday, April 27, 2015

It all depends on you. Thanks to the Baby Boom generation, pre-retirees and retirees have a lot more options than did previous generations of Americans. There is a lot to consider before you decide where to live during retirement: your...