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Do you have a will? Is it updated?

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Do you have intellectual property? Have you incorporated it into your estate strategy? Read more about how you might incorporate your IP into your estate strategy in this detailed article.

Intellectual Property and Your Estate Do you have intellectual property? Consider how you might include your IP into your estate strategy in this detailed article.

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...

This time of year, you may hear the phrase "tax-loss harvesting." Before moving ahead, it's best to get some guidance from a financial professional who is familiar with the strategy.

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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...

Your needs don’t stay the same when the nest empties, but what changes?

Insurance Needs Assessment: For Empty Nesters and Retirees Do your insurance needs stay the same when the nest empties?

A disability could keep you from work and increase costs. How can you protect yourself?

Disability and Your Finances In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.

Might you need more coverage in retirement? This piece covers some good reasons to retain your insurance.

Consider Keeping Your Life Insurance When You Retire Reasons to retain your coverage into your retirement years.

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...

Don’t be afraid of the cyber desperadoes. Learn how your data can be covered by cyber liability insurance in this fun video.

The Wild West of Data Theft Learn about cyber liability insurance in this entertaining video.

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

Do you need umbrella insurance? Find out more.

Keep Your Umbrella Handy Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.

Think you’re saving money by not having health insurance? Think again. Medical debt can be a major cause of financial woes. Read more now.

The Cost of Medical Care Learn about the risks of not having health insurance in this informative article.

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...

Medicare and Medicaid are two terms that seem interchangeable, but aren’t. Learn more here:

Medicare vs. Medicaid The terms Medicare and Medicaid sound similar but are two very different things. Learn the differences in this informative article.

a car? Consider gap to protect against losses that may not be covered by your current policy.

Gap Insurance for Leased Cars If you’re thinking of leasing a new car, then you shouldn’t forget about gap insurance.

The key to in retirement might be a patchwork of different choices.

Extended Care: A Patchwork of Possibilities What is your plan for health care during retirement?

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...

Do you know what your needs are, when you’re married, with children?

Insurance Needs Assessment: Married With Children When you’re married and have children, insurance needs will be different.

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...

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....

If you thought that payouts from life insurance are tax-free in all cases, think again.

When Life Insurance Becomes Taxable Life insurance proceeds are generally tax-free. But not in all cases.

The roof protects your home against nature’s risks. Is your personal wealth protected against life's risks?

The Value of Insuring Against Life’s Risks Building wealth requires protection from the forces of wealth destruction.

Feel empowered with this step-by-step guide to reviewing your life insurance needs.

Reviewing Your Life Insurance Needs Learn how the review process works and how it may help you better understand your Life Insurance.

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

Medicare Advantage—Medicare Part C—is coverage from a private health insurance plan. Learn about the differences between Medicare Advantage and Original Medicare coverage here:

Medicare Advantage Plans (Medicare Part C) Medicare Part C allows you to choose a Medicare Advantage plan. This article will help you decide if it's right for you.