Peter H Goldberg -Ameriprise Financial Advisor

“With major U.S. stock averages, like the S&P 500 and Dow, back near their high-water marks, investors should be a little more cautious of the near-term ‘direction of travel’ from here. For stocks to grind higher through year-end, profit expectations need to be met, outlooks need to remain largely positive, consumer/business trends need to stay on track, and the Fed still needs to land the plane into a soft-landing. Simply, a lot has to go right for stocks to continue to elevate from here." – Anthony Saglimbene, Ameriprise Chief Market Strategist

Rate cuts are finally coming. However, a lot must go right for stocks to move higher through year-end. Get more expert insights by reading the latest Weekly Market Perspectives.

One way to understand the value of a company is to compare its stock price relative to the earnings analysts expect the company to produce in the next year. Since Covid-19, the price/earnings (p/e) of large companies has increased, while those of smaller companies has declined. This indicates that smaller companies are relatively cheap. These trends may move either direction in the short-term, however, they often revert to normal in the long-term. Long-term strategic investors should consider the valuation discrepancy as an opportunity to review their current allocation with their Ameriprise financial advisor.

REMINDER!

Hope to see you there!
https://bit.ly/3yMjItI

In the unfortunate circumstance that you lose a loved one, Social Security survivors’ benefits can offer financial peace of mind. We're here to help and guide you through the process of applying for these benefits.

What to know about Social Security survivors benefits Social Security survivor benefits can help aid your family if a loved one passes. Here’s what you need to know about the program.

SAVE THE DATE!
This should be an interesting conversation! For additional information, please visit our team website.
https://bit.ly/3SLhvFz

Achieving financial goals takes discipline and a long-range view. What actions are you taking today to reach your goals tomorrow?

An estate plan allows you to leave all or a portion of your wealth to a charity of your choice – and make a difference beyond your lifetime. https://bit.ly/3wxrbaD

Are you prepared for market volatility? Here are five tips for navigating the fluctuations.

If you plan to pass on your wealth to loved ones upon your death, the estate planning process can help you reduce the impact of taxes on your assets. https://bit.ly/3wxrbaD

By setting your own estate plan, you can avoid going through probate – a court process that would release your records publicly. https://bit.ly/3wxrbaD

Without an estate plan, your loved ones may be left to navigate complex legal and financial challenges. Thoughtful planning can simplify a difficult process for your family in the future. https://bit.ly/3wxrbaD

Here’s an interesting analysis from Franklin Templeton on the upcoming U.S. elections. If you have any concerns about the potential market impact, let’s connect.

Do elections matter for markets? Understand the potential market implications of competing policy outcomes.

End-of-life care is a difficult but important conversation to have between you and your loved ones. An estate plan allows you to specify your final wishes and establish special arrangements for your remains. https://bit.ly/3wxrbaD

With a documented estate plan, you decide the fate of your assets based on factors you feel are most important. https://bit.ly/3wxrbaD

What excites you about your future? How are you preparing for it today?

The path to financial independence looks different for everyone. Help your employees achieve financial freedom by offering them workplace financial education with the Ameriprise Financial Wellness program. Message me to learn more.

Protect yourself and your loved ones financially from life’s uncertainties so they could carry on with the lifestyle you want for them. Let’s set up time to review your protection plan.

Do you have the guidance you need to achieve your dream financial future? Let’s review your financial progress and make sure you’re on track to reach your goals.

Do you live with a partner but don't plan to marry? Ameriprise Senior Vice President of Financial Advice Strategy and Marketing Marcy Keckler shares why a cohabitation agreement may help you align on key areas like estate and retirement planning.

What Are Cohabitation Agreements and Who Are They For? Experts say issues like money, property, family support and retirement assets need to be part your cohabitation agreement.

Wishing all the dads a Happy Father’s Day!

Retirement planning isn’t only for those close to or in retirement. No matter your age or stage, I can provide advice to help you do more of what you love in retirement. Give me a call to schedule a meeting 516-345-2600.

7 retirement tips for every age Feel more confident about living the retirement you want, no matter what age or life stage you're in.

Don't let volatility derail your retirement goals. Stay informed and prepared for market fluctuations. Reach out to discuss your options.

Hope you can join us. For additional information, please visit the Events section of our team website.

https://bit.ly/3VuiPhH

Are you concerned about how the upcoming elections may affect your financial health? Don't let the noise surrounding the presidential election derail your long-term investment goals. Let’s discuss how to optimize your investment strategy as the 2024 elections approach.