Blog

Entrepreneurs take risks daily — but most ignore their biggest one. No income protection. Here's how to fix that gap now.

This Memorial Day, honor sacrifice by protecting what you've built. Income protection matters — even in retirement.

Let’s take a moment to reflect, remember and honor all the brave men and women who made the ultimate sacrifice for our country. Have a safe weekend, and enjoy your time with friends and family.

Most business owners insure everything except their own income. This May, find out how disability insurance protects what matters most.

Most people plan for the number. Few plan for the reality. The first two years of retirement are the most financially vulnerable — and how your portfolio is positioned at 65 matters as much as how much you have.

The right portfolio isn't just about returns — it's about after-tax returns. Here's how retirees and savers can structure investments to minimize tax drag and keep more of what they earn.

Procrastination has a price tag in financial planning — and it compounds. One hour this weekend on the right decision can make a real difference. Here's where most people are leaving money on the table.

Most investors review their portfolios for performance. Far fewer review them for tax efficiency — and that gap can cost real money over time. Tax drag is one of the most overlooked factors in long-term wealth building. According to...

April is Financial Literacy Month — but for serious investors, financial literacy means more than budgeting tips. Here's what April 2026 taught us about volatility, discipline, and the real definition of a sound financial plan.

Not all investment income is taxed equally. Learn how ordinary income, qualified dividends, and capital gains are taxed — and how to position your portfolio smarter.

Uneven income can trigger IRS underpayment penalties — even if you pay in full by April. Here are five proven strategies to stay compliant and protect your cash flow in 2026.

Market volatility doesn't have to derail your retirement. Learn how sequence of returns risk, the bucket strategy, and smart planning can keep your retirement timeline on track.

As a Florida business owner, your business shouldn't be your only retirement plan. Learn how SEP IRAs, Solo 401(k)s, and smart tax strategies can build real wealth outside your business.

Looking for a financial advisor in Hillsboro Beach or Broward County? Learn what questions to ask, what red flags to avoid, and why working with a local South Florida advisor makes all the difference.

What is wealth management and do you need it? We break down the difference between investing, financial planning, and full wealth management — and why South Florida investors benefit from working with a local advisor.

After five straight weeks of declines, markets finally caught a break. Between encouraging ceasefire developments and a solid jobs report, there's reason for cautious optimism. Here's the weekly recap

Managing wealth in South Florida comes with unique opportunities and unique challenges. From tax strategy to retirement planning, discover what high earners in Hillsboro Beach and Broward County need to protect/grow their financial future

Missing just 10 of the best market days over a 20-year period can cut your total investment returns by more than 50%. Here's why staying the course — even during volatility — is one of the most powerful decisions an investor can make.

Happy Easter!

Geopolitics Lift Inflation as Labor Data Looms

Markets remain under pressure as geopolitical risks rise. This week’s key economic data will be critical in showing how resilient the economy is amid these headwinds.

As we enter the next phase of the expansion, we try to quantify metrics the Federal Reserve uses to gauge the health of the economy. Here is Cetera Investment Management’s latest

Watch the Q2 Outlook Video: Staying on Course Amid Geopolitical Uncertainty

Equity Markets : Geopolitics and Policy in Focus

US Financial Markets For Week of 3/23/2026

Whether you’re just starting out on your wealth-building journey or closing in on retirement, the tips herein can help you remain on track toward your goals at every stage of life

All major indices ended the week lower as the middle east conflict escalated, with no clear path toward a peaceful resolution

Markets are navigating heightened geopolitical risk—but this week’s Fed meeting could be an important source of stability.

Markets often shake off geopolitical shocks but this time, volatility may stick around longer uncertainty is creating stronger headwinds for investors. See what market signals matter most and what investors should be watching.

Oil prices surging ripple effects being felt beyond the energy market. Investors are reassessing what comes next. Cetera Invst Mngmt breaks down what's driving the oil spike why it matters and what to stay focused on amid the volatility.

Trump accounts on their federal tax return.  Here’s a recap of what’s known about the accounts and a summary of a few unanswered questions.

Geopolitical headlines are back, and markets are repricing uncertainty. See why volatility may be higher this time, and why discipline and diversification matter most in uncertain environments.

In the latest commentary, the Cetera Investment Management team breaks down the recent escalation in the Middle East, what it could mean for energy markets and inflation, and why global equities may avoid a disorderly selloff. 

Stocks fell last week amid concerns about artificial intelligence (AI) and a warmer-than-expected reading of wholesale inflation.

With the right habits, you can enjoy financially independent, work-optional years with confidence.

Between tariff headlines, rising geopolitical tensions, and a disappointing GDP report, it’s easy to assume the economic outlook is deteriorating. But the full picture tells a more constructive story

Fed Monitor Dashboard

Wider Participation Supports Market Resilience/AI Stocks Drag on Performance

Stubbornly high inflation can create significant pressure on retirees’ budgets. To help trim costs, consider the following savings tips across: Groceries/Gas/Housing/ Utilities/Travel&Entertainment 

Rotation Favors Value Over Tech/Tech Slides on AI Concerns

Choppy Week for Equities as Volatility Returns

S&P 500 Backpedals Second Week

Getting Ready for Tax Season

S&P 500 Backpedals from Record High/Broad Market Dips even as Breadth Improves

Stocks Broadly Rebound/Positive Full Week Start to 2026

2026 Forecasts for the S&P 500

Post Holiday Actions For Consideration

The S&P 500 backpedaled last week, giving back most of its 1.2% prior week gain as investors bemoaned a lack of traction in 2025’s Santa Claus rally

The S&P500 advanced nearly 18% in 2025, marking 3 back-to-back years of double-digit gains, following returns of 25.02% in 2024/26.29% in 2023. Such a feat is rare for Wall Street, occurring only five times before this.

With tax season on the horizon, a little preparation now can make the process much smoother later. This time of year often brings plenty of paperwork and deadlines, so consider this a friendly nudge to start gathering what you’ll need.

Happy New Year!

Strategic planning and informed decisions are key, As the year ends, consider these five areas to strengthen your financial foundation: Investments/Tax Efficiency/Insurance Review/Education Planning/next Year Goals

Wishing you and yours a very happy and healthy holiday. Have a wonderful Christmas!

The S&P 500 rallied to close the week near fresh records as AI infrastructure stocks rebounded from three-straight daily losses earlier in the week.

As the year ends, consider these five areas to strengthen your financial foundation: Investments/Tax Efficiency/Insurance Review/Education Planning/Set Goals for Next Year

U.S. equities posted mixed results last week along a rotational Big Tech AI to Value theme.

It seems like just yesterday the Fed was all about inflation. So why are Jerome Powell & Crew now talking about jobs?

Starting January 1, 2026, the federal estate tax exemption will rise to $15 million per person, up from $13.99 million in 2025. That doubles for married couples, meaning they can transfer up to $30 million without incurring estate taxes.

Almost Back to Record Highs...Back-to-Back Weekly Gains

U.S. equities broadly advanced last week. Upward catalysts were the continued ramp-up in December Fed easing expectations coupled with mostly favorable quarterly earnings reports.

U.S. equities broadly advanced last week. Upward catalysts were the continued ramp-up in December Fed easing expectations coupled with mostly favorable quarterly earnings reports.

Plenty of key economic data is on deck this week, including Wednesday’s ADP employment report – the final snapshot of the labor market before the Fed’s next meeting

Happy Thanksgiving!

Commentary, the Cetera Investment Management Team breaks down what’s behind recent market weakness and why it may signal opportunity—not risk

Weekly Recap November 17-21 2025 AI Valuation Angst Returns/Nasdaq Caps Third Straight Weekly Loss

Market fluctuations can produce unnerving headlines. However, a true measure of a sound financial plan is ability to weather short-term volatility to support long-term goals.

In this latest commentary, the Cetera Investment Management Team breaks down what’s behind recent market weakness and why it may signal opportunity—not risk. AI concerns, shifting Fed expectations, and crypto volatility have pressured...

Major Averages End Narrowly Mixed U.S. equities posted slightly mixed performance last week with the recent spate of lofty AI valuation induced selling

In this latest commentary, the Cetera Investment Management Team looks at why markets pulled back despite the government reopening—and what’s driving investor uncertainty.

There is always something to worry about on Wall Street. In fact, there’s even a saying about how stock prices perform when investors are fretting. “Wall Street climbs a wall of worry”—a quote that is often attributed to Warren Buffett.

Thank You Veterans!

U.S. stocks posted outsized losses last week as investors expressed concerns over frothy Big Tech AI equity valuations, dragging tech sector companies to their worst week since April.

As the year winds down, it’s the perfect time to revisit your retirement strategy—especially if you’re nearing retirement. This transition from saving to spending is one of the most important financial shifts you’ll make.

U.S. equities capped a third-straight weekly gain, yet the small cap-focused Russell 2000 ended negative for the first time in four weeks. Big tech stocks led gainers, boosted by positive earnings data that renewed AI optimism.

While the government is shut down so are several agencies that put out economic reports used for setting interest rates. However, there are alternative stats.

In this latest commentary, the Cetera Investment Management Team explores how rising U.S.–China trade tensions are fueling market volatility—and why that may present a buying opportunity.

Stocks advanced for a second straight week, with the S&P 500, Dow Jones Industrial Average, Nasdaq and Russell 2000 all closing at record highs on Friday

Stocks pushed higher last week, buoyed by strong third-quarter results posted by several money center banks.The S&P gained 1.70 percent, while the Nasdaq Composite Index rose 2.14 p

As we enter the next phase of the expansion, we try to quantify metrics the Federal Reserve uses to gauge the health of the economy. Here is Cetera Investment Management’s latest Fed-O-Meter for hawkish or dovish

Cetera Investment Management 5 essential ingredients for building a resilient portfolio. From understanding your risk tolerance to adding alternative investments in this seasonal commentary

Stocks Slump on China Trade Fears ... Worst Week for S&P 500 Since Late May

As the government shutdown lingers, I’m answering more questions about, “How long is this going to last?” 

The federal government has entered its first shutdown in nearly seven years. In this latest commentary, the Cetera Investment Management Team breaks down what it means for the economy, markets, and investors.

Stocks Rebound Despite Shutdown

The Fed lowered short-term interest rates at its September 2025. “What’s in it for me?”

Weekly Market Recap September 22-26, 2025

As hard as it seems in about a week the 4th quarter for 2025 starts. Here are a few items that may be good to start thinking about now.

Weekly Recap September 15-19, 2025 Equity Gains Continue to Broaden

Market summary for 9/22/2025

With markets up 35% since April, investors are wondering: is a pause coming? Chief Investment Officer Gene Goldman breaks down why high valuations, tariffs, and market concentration could trigger a short-term pullback — and why it...

Weekly Recap | September 15, 2025

Sector investing is a strategy that can offer opportunities for enhanced portfolio performance but comes with increased volatility and risks due to its narrow focus. Tempus Wealth Management highlights that while challenging,...