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Financial Planning for New Moms

Since becoming a mom last year, my financial goals and long-term plans certainly have shifted. While expecting and new moms should continue focusing on their own financial security and retirement goals, a new baby means a whole new set of monetary considerations. Here are some tips that can help get your family on solid footing for the future.

Tips leading up to baby

Diaper duty. In the six months leading up to our son’s birth, my husband and I strategically purchased diapers. Knowing diapers are one of the more expensive, and frequent purchases for baby, we spaced out buying diapers…


Beyond a Budget – Financial Tips

Planning your financial future may seem like a daunting task. You need to understand the full view of what you have, what you’ll need and what it all means for your retirement. The basics – budgeting, saving and getting rid of debt are great places to start, but there are many things to consider beyond these basics. Especially for individuals and couples who have accumulated assets, there are a few critical points to consider when striving for a more secure financial future.

Create tax efficiency: Accumulating assets for retirement via investment accounts is a great start, but it’s critical to…


Three Questions to Ask Your Advisor During Market Volatility

In times of market volatility, it’s vital to stay the course and not panic. However, it’s understandable to feel a little uneasy during these times. When you’re seeing the market go down, it’s natural to wonder how that’s going to impact you. If you’re apprehensive about your assets, it’s important to have a conversation with your financial advisor so you fully understand what you own and how this impacts your financial picture. Having such a discussion can help shed light on the situation and alleviate worries.

As financial advisors, it’s our job to help clients make educated decisions despite market…


How to Ride the Market Volatility Wave

In recent months, investors have seen a roller coaster of activity in the equity markets. Such volatility may be even harder to swallow after experiencing a banner year in 2017, but it’s critical, in a period of volatility, not to overreact.

As a financial advisor, it’s my job to coach clients on what to do, or not do, and quite frankly, how to react to stock market direction. Recent headlines may be causing some concern, but below is my advice for what NOT to do right now:

Never make decisions based on emotions, panic or fear. We’re often told to not…


Has Gen X Been Abandoned? Getting This Generation on Financial Track

Millennials and baby boomers dominate headlines. As the two largest generations in history, it’s no wonder these demographics have taken center stage for financial advice. There is no shortage of articles offering advice on how to pay down student loans or tackle rising healthcare expenses in retirement. However, Generation X (those born between 1965 and 1980) is often overlooked as it is sandwiched between boomers and millennials.

Studies show that Gen X has woefully under-saved for retirement and has more credit card and overall debt than any other generation. Now is a critical time for Gen Xers as they…


Insight on Recent Market Volatility

In our view, the recent stock market pullback is not consistent with our current fundamentally strong global economic environment. This sell-off has partially been the result of strong data, which has prompted the Federal Reserve to announce plans to raise rates more quickly in the coming quarters, in addition to periodic geopolitical friction with a focus on tariffs, China, and oil. We see this recent market performance as similar to a normal correction after a strong rally.

While many of these forces could present uncertainty in the markets in the near-term, we do not believe this downturn is here to…


Q4 Investment Outlook

The Investment Committee of the Univest Wealth Management Division, under the direction of Timothy Chubb, Chief Investment Officer, recently met to review and update key performance indicators in order to chart its strategy for the remainder of the year. In the final quarter of 2018, the Committee expects to see a healthy U.S. economy and continued geopolitical uncertainty which may limit asset returns.

The following is the updated outlook as we head into the fourth and final quarter of 2018.


Every forecast is predicated on the information currently available and subject to the…


Q3 2018 Investment Outlook

The Investment Committee of the Univest Wealth Management Division, under the direction of Timothy Chubb, Chief Investment Officer, recently met to review and update key performance indicators in order to chart its strategy for the remainder of the year. In the second half of 2018, the Committee expects to see a healthy U.S. economy and, at this point, continued geopolitical uncertainty which may limit asset returns.

The following is the updated outlook as we head into the third quarter of 2018.

Every forecast is predicated on the information currently available…


Is Market Volatility Back?

Over the last few weeks, I’ve been talking with clients, family and friends about their thoughts regarding the stock market. The majority of conversations have revolved around recent volatility. Many people cited resources such as CNBC, Facebook, Twitter and the radio warning of volatility. But are we truly in a volatile market?

A Google search for “definition of volatility” resulted in about 92 million results so let’s stick with the traditional dictionary definitions. Merriam-Webster says the definition of volatility is the quality or state of being volatile, such as a tendency to change quickly and unpredictably. The Oxford…


Q2 2018 Investment Outlook

The Investment Committee of the Univest Wealth Management Division, under the direction of Timothy Chubb, Chief Investment Officer, recently met to review and update key performance indicators in order to chart its strategy for the coming quarter. In the coming year, we expect to see a healthy U.S. economy and, at this point, modest equity returns given current stock market valuations.

The following is the Committee’s outlook for 2018.

Every forecast is predicated on the information currently available and subject to the risk of unforeseen events, and ours is no exception. Our outlook…

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