Michael Lyubinsky - Financial Advisor

Please reach out if you have questions about how this legislation could impact your financial plan.

The SECURE Act 2.0 Summary: How It Could Impact Your Retirement Planning The SECURE Act 2.0 aims to help people save more for retirement. Here is what you need to know about how some of the key provisions may affect your plan.

Fed rate hikes have put the brakes on economic growth; here’s what that may mean for investors.

Why an Economic Slowdown May Be the Right Medicine for the Market The slowing economy is an important development in the battle against inflation. NM’s Chief Investment Officer Brent Schutte explains why a little economic pain may go a long way toward curing what's wrong with the markets.

Forbes article about Long Term Care - this is a conversation I am having with ALL my clients, especially those within 10-15 years of retirement.

Most Americans Are Unprepared For Long-Term Care Costs, New Research Shows Most people will need long-term care in their lifetimes, but new research suggests Americans are ill-prepared for the costs of long-term care.

The Federal Reserve showed it can be nimble, hiking 75 percent this past week based on new data. Northwestern Mutual Chief Investment Officer Brent Schutte believes the Fed could easily be just as nimble in the other direction if the data improves.

The Nimble Fed The Fed’s latest move has raised concerns about a recession, but will Fed Chairman Powel stick to the script? See our take in Northwestern Mutual’s Weekly Market Commentary.

Northwestern Mutual Chief Investment Officer Brent Schutte digs into last week’s troubling inflation data and how it may impact the Fed’s path forward.

Inflation on Main Street in the Spotlight Consumers feel the pinch of inflation, but the Fed’s efforts are showing signs of making an impact. See our take in Northwestern Mutual’s Weekly Market Commentary.

The child tax credit’s changes in 2021 were temporary. Here’s how they will be changing this year.

The Child Tax Credit: What's Changing in 2022 Congress let the expanded child tax credit expire, which means it reverted to its older rules. Here’s what’s changing about the child tax credit in 2022.

The recent bond market volatility is unsettling. But it’s important to keep perspective. Please reach out if you have questions about your portfolio.

Bond Market Volatility There’s been a lot of bond market volatility recently. While the rapid change can be unsettling, it’s important to keep it in perspective.

Fed rate hikes are often seen as the beginning of the end for economic growth. But our experts look to history to separate fact from fiction: bit.ly/3w5OWGx

Chatter about a yield-curve inversion often ignores the yield curves that are not inverting. For a deeper dive, see this week’s Market Commentary.

What the Bond Market Is Telling the Stock Market The threat of a yield curve inversion may start making more headlines, but there is more than one yield curve and more than one way to read current bond market trends.

Please reach out if you’d like to discuss your retirement timeline.

When Is the Right Time to Retire? When is the right time to retire from work? As you weigh your decision, ask yourself these questions first.

The Fed today announced a .25 percent hike in its key interest rate, kicking off what is likely to be a number of rate hikes through the year. How have markets performed through past rate hike cycles? See analysis from our investment team. http://spr.ly/6182Klyhn

The war in Ukraine could temper the Fed’s action.

Fed Rate Decision This Week Reduced demand and downbeat sentiment amid a spike in commodities prices could temper the Fed’s willingness to fight inflation via policy.

I bonds are offered by the government as a safe option for savers to keep pace with inflation.

What Are I Bonds? With inflation on the rise, I bonds are a lower-risk option from the government aimed at protecting the purchasing power of savings.

See our Chief Investment Officer’s weekly take on the markets.

Markets Resilient Amid Russia’s Invasion of Ukraine Russia’s invasion of Ukraine captured the world’s attention last week, but markets have held up well despite an unpredictable situation.

Markets are expecting as many as six rate hikes from the Fed this year. See this week’s take from our chief investment strategist, Brent Schutte.

Markets Price in Rate Hikes The Fed’s seemingly hawkish turn and tensions in Ukraine give markets pause. That and more in Northwestern Mutual’s Market Commentary for the week of Feb. 14, 2022.

Northwestern Mutual will distribute its largest-ever, industry-leading dividend payout of $6.5 Billion.

Northwestern Mutual's 2022 Dividend Payout to Policyowners To Be Largest Ever - $6.5 Billion During a time of continued economic uncertainty, Northwestern Mutual has maintained its unquestionable long-term financial strength and stability, and today announced that its policyowners will...

If you’re rebalancing your portfolio at year end, keep an eye out for the timing of mutual fund distributions.

How to Avoid an Unwanted Tax Hit from Year-End Mutual Fund Distributions Mutual funds, and to a lesser extent ETFs, distribute capital gains at the end of the year. Here’s how to avoid getting hit with unnecessary capital gains taxes from mutual funds at the end of the year.

Despite headwinds, economic fundamentals continue to show strength. See Northwestern Mutual Wealth Management Company Chief Investment Strategist Brent Schutte’s weekly commentary.

Earnings Ramp Up While inflation remains elevated and sentiment has cooled, corporate earnings are providing a boost for markets seeking direction.

A reminder to my network of clients and friends that we are quickly approaching Open Enrollment for most employers.

While this period provides an opportunity to make significant changes to your healthcare, insurance and retirement benefits, we know these choices can also be very confusing.

If you have any questions about your 2022 benefits, please do not hesitate to reach out and we can coordinate a time to speak.

What to Know Before Open Enrollment Open enrollment is the period of time to review your health care options and make any changes for the upcoming year. Here’s what to know before open enrollment.

Delta Shows Up in Data, but Markets Take it in Stride

Delta Shows Up in Data, but Markets Take It in Stride The jobs report came up short as rising delta variant cases hit August data. We explain why our outlook remains unchanged in Northwestern Mutual’s market commentary for the week of Sept. 6, 2021.

Delta Variant Captures Market Attention

Delta Variant Captures Market Attention Rising coronavirus cases due to the delta variant are capturing more market attention. See our take in this week’s Northwestern Mutual Market Commentary.

We think this economic cycle has room to run, and fears about the Fed may be premature.

Labor Market, Productivity Gains Can Fuel Expansion for Some Time Markets are paying close attention to inflation and appear to be positioning for a later stage of the business cycle. This may be premature, and we’ll explain in Northwestern Mutual’s Quarterly Market Commentary.

We’re thrilled to announce that we jumped 12 spots in the Fortune 500 for 2021.

We are hiring a Business Development Manager! If you or anyone you know is interested and qualified, please let me know!

With tax filing extended to May 17th, individuals now have more time to make their 2020 retirement contributions. This is a unique opportunity to influence your current and/or future income tax liabilities!

IRS postpones April 15 U.S. tax deadline to May 17 The IRS is pushing back the deadline for the tax filing season about one month, to May 17 from April 15.

As we are a month out from Tax Day (April 15th), a reminder that you still have an opportunity to make 2020 contributions to your retirement plans to defer and lower your taxable income or to strategically fund post-tax retirement accounts for the prior year.

I am happy to schedule a brief call to discuss any questions you may have or to help coordinate your contributions for 2020. Just let us know how we can help.

This independent study by EY highlights the differentiated value that integrating accumulation oriented life insurance and guaranteed income annuities has on enhancing retirement outcomes. It is a game changer for my clients.

How insurance and investments can improve financial wellness Permanent life insurance and a deferred income annuity with a loyalty incentive both outperform investment-only approaches in our analysis. Read more.

PPP updates for our small business owners

Biden Changes P.P.P. Rules to Help the Self-Employed A more generous loan formula for solo ventures is meant to get more very small businesses into the Paycheck Protection Program. But bigger applicants face a two-week pause.