K-shaped EconomiesCost of the ShutdownThanksgiving Layoff Tips References:https://www.marketwatch.com/story/no-jobs-report-again-but-these-numbers-show-how-the-u-s-economy-is-doing-9bbc764a?mod=home_lead https://www.thinkadvisor.com/2025/10/29/government-shutdown-has-cost-economy-18b-cbo/
Margin DebtSocial Security Inflation Adjustment 401(k) Catch-upRMD Ruleshttps://www.marketwatch.com/story/margin-debt-is-at-a-record-high-heres-what-that-means-for-the-stock-market-505cae78?mod=home_lead https://www.bloomberg.com/news/articles/2025-10-24/social-security-cola-in-2026-is-2-8-increase https://www.kiplinger.com/taxes/super-catch-up-contribution-for-age-60-63
Rare Earth MineralsTech Related SchemesDisability InsuranceEarned Income for IRA Funding References: https://www.bloomberg.com/news/articles/2025-10-19/australia-prime-minister-to-meet-trump-with-rare-earths-in-focus?srnd=homepage-americasHttps://www.reuters.com/markets/commodities/what-are-rare-earth-metals-why-are-they-demand-2025-02-26/https://www.thinkadvisor.com/2025/10/17/state-regulators-see-rise-in-tech-related-schemes/
China TariffsETF Share ClassesInvesting Isn’t SpookyNew IRS Numbershttps://www.bloomberg.com/news/articles/2025-10-11/trump-s-dealmaking-diplomacy-grows-fragile-as-china-fires-back?srnd=homepage-americashttps://www.thinkadvisor.com/2025/09/29/etf-share-class-approval-a-huge-step-forward-but-questions-remain/
States in RecessionShutdown ImpactsFinancial VampiresOpen Enrollmenthttps://www.marketwatch.com/story/are-we-in-a-reccession-yes-if-you-live-in-one-of-these-22-states-3947b4cd?mod=home_lead https://www.thinkadvisor.com/2025/10/01/this-is-not-shutdown-lite-impasse-could-last-months-strategist-warns/
Fed Action Rollovers and the Fiduciary StandardInvestors Attending the State FairAccurate Tax Withholdinghttps://www.bloomberg.com/news/articles/2025-09-14/trump-expects-a-big-cut-from-federal-reserve-this-week?srnd=phx-economics-v2https://www.thinkadvisor.com/2025/09/04/will-dol-write-a-new-fiduciary-rule-on-rollover-advice/
Rate Cuts? Long-Term Care Solutions Health Insurance Enrollment DatesShould I Buy Bitcoin?References:https://www.marketwatch.com/story/after-9-months-on-hold-the-fed-could-cut-rates-in-september-why-the-long-pause-may-extend-stocks-rally-e90f3012?mod=home_ln https://www.thinkadvisor.com/2025/08/22/proposed-social-security-style-long-term-care-benefit-gets-high-marks/ https://www.cms.gov/files/document/2024-medicare-open-enrollment-fact-sheet.pdfhttps://www.healthcare.gov/quick-guide/dates-and-deadlines/
Fed Expectations Funding Social Security Great is the Enemy of Good Saving for RetirementReferences:https://www.bloomberg.com/news/articles/2025-08-17/bond-market-s-rate-cut-bets-enter-decisive-stretch-with-powell?srnd=phx-marketshttps://www.thinkadvisor.com/2025/08/15/new-social-security-bill-aims-to-raise-payroll-tax-cap/
BLS Data AI at the SEC Who Can You Trust Retirement Cash FlowReferences:https://www.bloomberg.com/news/articles/2025-08-03/trump-s-former-jobs-data-chief-decries-firing-of-his-successor?srnd=homepage-americashttps://www.thinkadvisor.com/2025/08/01/sec-launches-ai-task-force/
Fed Meeting Senior Protection and Small Business Bills Back to SchoolFiling Your TaxesReferences:https://www.bloomberg.com/news/articles/2025-07-26/pressure-mounts-on-fed-chief-powell-in-tee-up-to-gdp-jobs-datahttps://www.thinkadvisor.com/2025/07/23/house-passes-2-sec-bills/
The Fed Chair &The PresidentRollovers & Fiduciaries Risk Tolerance & NeedRoths & Traditional IRAs References:https://www.bloomberg.com/explainers/trump-federal-reserve-chair?itm_source=record&itm_campaign=The_Fed&itm_content=Trump_Versus_Powell-0 https://www.thinkadvisor.com/2025/07/18/facc-to-appeal-court-decision-on-dol-rollover-rule/
Tariff Deadline One Big Beautiful BillSummerween The Fed and Interest RatesReferences:https://www.bloomberg.com/news/articles/2025-07-05/trump-tariff-date-arrives-after-90-day-rollercoaster?srnd=homepage-americashttps://www.bloomberg.com/news/articles/2025-07-05/trump-tariff-date-arrives-after-90-day-rollercoaster?srnd=homepage-americashttps://www.federalreserve.gov/faqs/why-do-interest-rates-matter.htm
Almost Q2 resultsAI Portfolio Projections Portfolios and Potato SaladTarget Date FundsReferences:https://www.bloomberg.com/news/articles/2025-06-29/senate-republicans-restore-medicaid-cuts-to-trump-tax-package?srnd=homepage-americashttps://www.thinkadvisor.com/2025/06/25/finra-seeks-to-align-bd-advisor-portfolio-performance-projections/
Iran Strike Fallout SEC Withdrawn ProposalsInvesting and FireworksLook at Your StatementReferences:https://www.bloomberg.com/news/articles/2025-06-22/oil-surges-us-futures-drop-after-strikes-on-iran-markets-wraphttps://www.proskauer.com/alert/sec-withdraws-fourteen-rule-proposals
Economic Data ConcernsAccredited Investor StatusPortfolios and Vegetable GardensInvestments and Account TypesReferences:https://www.marketwatch.com/story/how-reliable-is-u-s-economic-data-its-a-growing-risk-for-investors-awaiting-the-next-fed-rate-cut-f477bf0b?mod=home_leadhttps://www.thinkadvisor.com/2025/06/05/accredited-investor-qualification-bill-reemerges/
Slower HiringCrypto in Your 401(k) Planning Your WeddingTax Cuts & Jobs Act UpdateReferences:https://www.bloomberg.com/news/articles/2025-05-31/us-labor-market-latest-jobs-growth-is-moderating-on-shifting-trade-policy?srnd=phx-markets https://www.investmentnews.com/retirement-planning/industry-financial-experts-sound-off-after-dol-walks-back-crypto-warning-for-401ks/260730
China AgreementLower Social Security Clawback Hobby vs Business Next StepsReferences:https://www.bloomberg.com/news/articles/2025-05-11/us-futures-dollar-climb-on-geneva-trade-talks-markets-wrap?srnd=homepage-americas https://www.thinkadvisor.com/2025/05/08/social-security-sends-emergency-message-backing-down-on-100-clawbacks/ https://www.irs.gov/newsroom/heres-how-to-tell-the-difference-between-a-hobby-and-a-business-for-tax-purposes
Markets and the FedSocial Security Funding Taking Care of Yourself for Mother’s DayNext StepsReferenceshttps://www.bloomberg.com/news/articles/2025-05-04/bond-traders-swing-to-powell-s-side-as-trump-calls-for-rate-cuts?srnd=phx-markets https://www.thinkadvisor.com/2025/05/02/trumps-2026-budget-leaves-social-security-funding-flat/
April ReturnsDOGE and the SEC After Graduation Next StepsReferenceshttps://fortune.com/asia/2025/04/25/apple-aims-build-most-iphones-us-india-end-2026/ https://www.thinkadvisor.com/2025/04/22/doge-asks-sec-staff-for-efficiency-ideas-promises-anonymity/https://www.npr.org/2025/04/23/nx-s1-5372332/student-loans-default-collection
Market Update Crypto Regs What to Do If You Lose Your Job Next StepsReferences: https://www.marketwatch.com/story/feds-goolsbee-warns-economic-activity-may-slump-this-summer-after-artificially-high-pre-tariff-bump-d3cfb1ca?mod=home_leadhttps://www.thinkadvisor.com/2025/04/11/trump-signs-bill-blocking-irs-crypto-tax-rule/
Peggy Doviak
This podcast episode shares my weekly radio show, "Ask Peggy Doviak About Your Finances."
Peggy Doviak
This podcast episode shares my weekly radio show, "Ask Peggy Doviak About Your Finances."