Karen Patel-Financial Advisor

This Monthly Recap summarizes market performance, major events and news from August 2024. Read more here:

August 2024 Recap The S&P 500 ended a roller-coaster month with a 2.43% gain, almost entirely recouping an 8.5% July 16 through August 5 pullback. The large cap benchmark index closed August just 0.33% below its most recent all-time high, posting its fourth straight monthly gain, its longest stretch of gains since Ma...

While equity markets have had a great year so far, volatility is beginning to pick up. Join CIO Gene Goldman, CFA, on this week’s episode of as he lays out three reasons volatility could increase, including Friday’s potentially strong Payroll report.

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Approaching the 60th U.S. presidential election, cuts through the fog of polarization to offer independent market and economic research. The team's latest commentary discusses expectations during this election and the next administration. Read more:

Trump vs. Harris: Navigating the 2024 Presidential Election The latest themed commentary from Cetera Investment Management cuts through the fog of partisanship to focus on what matters as investors navigate the 2024 presidential election. The team provides analysis of key economic policy items for the next administration, reviews past election cycles for ins...

What do I need to know?
• Many businesses setting up a new 401(k) plan use a safe harbor contribution to eliminate the need for nondiscrimination testing for elective deferrals, and depending on the safe harbor design, matching contributions as well.
• A safe harbor plan ensures that the business owner can contribute up to the annual IRS deferral limit (for 2024, $23,000 or $30,500 if owner is 50 or older) and avoid the headache of certain annual compliance testing.
• To take advantage of a safe harbor plan design for 2024 and satisfy IRS requirements, a new calendar year based safe harbor 401(k) plan must be adopted before October 1st, 2024.

The is shifting from raising rates to cutting them. Join CIO Gene Goldman, CFA, on this week’s episode of as he explains how this week’s key inflation report should help the decide how much they’ll cut.

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

The ’s next moves are in focus. Join CIO Gene Goldman, CFA, on this week’s episode of as he discusses what we can expect to learn from the Fed’s meeting minutes and Chair Powell’s upcoming Jackson Hole speech, and the potential impact on future rate decisions.

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Read the August issue of Financial Watch here: https://bit.ly/financialwatch-aug24

Read the latest issue of Retire Wise here: https://bit.ly/retirewise2-aug24

are trying to figure out how much the will cut rates in September. Join CIO Gene Goldman, CFA, on this week’s episode of as he lays out the data we’ll receive between now and then and how it could help determine that cut.

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Market risks were high leading into the sell-off, but now investors may be overlooking a decent servicing PMI reading. Recession risks may be overblown. The latest market commentary from discusses this trend and what it could mean for future investing. Read more:

Recession Fears Put Investors on Edge In this commentary we discuss the continued selloff in U.S. equities. Market risks have been rising and now recession fears stoked by a labor report are causing market volatility. Investors want an intra-meeting rate cut from the Fed but may not get it. We continue to think this pull back could be s...

Risks have increased as U.S. stocks have fallen. Join CIO Gene Goldman, CFA, on this week’s episode of as he explains why a correction is likely – but a bear market is not.

The Week Ahead | Cetera “Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Can u find Ms. Waldo? Or any other familiar face? Wink wink Come join us!!

Get ready to rock your midlife! Picture this: you, a tribe of fabulous women, and a mountain of wisdom waiting to be conquered.

Join us for the ultimate Sisterhood Experience in Estes Park, Colorado, where the air is crisp and the vibes are electric. For three jam-packed days, dive into a world of connection, empowerment, and a sprinkle of magic.

Our lineup of speakers is ready to drop some serious wisdom on how to make your next chapters the best ones yet. From work to play and everything in between, get ready to soak in their knowledge like a sponge. Because let's face it, wisdom is the ultimate glow-up!

Dance, play, create, and bask in the beauty of nature as you reconnect with your inner goddess and forge lifelong bonds with kindred spirits. It's time to own your age, celebrate your journey, and show the world that midlife is where the real magic happens.

So grab your daughters, bring your best energy, and let's make memories that will last a lifetime. Aging is a privilege, and together, we're going to show the world just how fabulous it can be. Let's rock our midlives like the queens we are! 🌟

And, as it's Founder Robin's Birthday month, she's giving a HUGE discount by using code "BIRTHDAY", so head over and get all the details and join us in September at tangledsilvermagazine.com/sisterhood

This Monthly Recap summarizes market performance, major events and news from July 2024. Read more here:

July 2024 Recap U.S. equities were mostly higher in July, marked by heightened volatility and rotational trading. The S&P 500 netted a 1.22% return in July. The techheavy Nasdaq Composite ended slightly negative, down 0.73% while the Nasdaq 100 (the 100 largest stocks in the Nasdaq Composite) fell more than twice....

Disappointing economic guidance and an economic growth scare have contributed to the selloff of U.S. equities. The latest market commentary from discusses this trend and what it could mean for future investing. Read more:

Risks: Expectations, Valuations and Concentration In this commentary we discuss the selloff in U.S. equities. Disappointing corporate guidance and an economic growth scare are the primary culprits. Stocks have been due for a pullback on raised expectations, valuations, and concentration. A correction is likely, but not a bear market. Diversificatio...

The meets this week to decide interest rate policy. Join CIO Gene Goldman, CFA, on this week’s episode of as he explains why he’ll be focused on Chairman Jerome Powell’s press conference to address inconsistencies from the Fed’s meeting just a month ago.
https://bcove.video/3ZLBnJB

This first one.. It's official! Two more to go

What influences your decision about how you invest? Your portfolio doesn't only have to contain companies that pay significant dividends. Through investing, you have the opportunity to improve society and take responsibility for your investments.

Investing isn't just about finding the next big stock—it is imperative to think long-term.

Diversification helps mitigate risks and protect against significant losses from fees or taxes. In our portfolios, this means evaluating your net gains on assets, to ensure your money is really doing what it is there for: Supporting the life you desire.

Smaller cap and value stocks are finally outpacing technology driven growth stocks. Read more about the recent rotation in the latest commentary from . https://bit.ly/4bVgEss

U.S. equities recently experienced the worst week since April. Join CIO Gene Goldman, CFA, on this week’s episode of as he discusses the reasons for this recent pullback and why he feels it will be short lived.
https://bcove.video/3ZLBnJB

Breakfast of Champions!! LOVE having another baker in the house! Thanks Vani!
What is your favorite pastry flavor? Mine it is all about RASPBERRY!

Read the July issue of Financial Watch here: https://bit.ly/financialwatch-jul24

Millennials are approaching peak earning years while Boomers age into retirement and birthrates decline. Find out how shifting demographics are shaping the economy and what that means for investment opportunities in the latest commentary from . Read more: https://bit.ly/3WlrTWF

Corporate earnings season begins in earnest this week. Join CIO Gene Goldman, CFA, on this week’s episode of as he discusses his concerns, especially given the market’s high expectations.
https://bcove.video/3ZLBnJB

Read the latest issue of Retire Wise here: https://bit.ly/retirewise3-jul24

Most eyes will be on inflation reports this week. But join CIO Gene Goldman, CFA, on as he explains why he believes focusing on Chair Jerome Powell’s semi-annual congressional testimony will provide more insight on Fed policy.
https://bcove.video/3ZLBnJB