Perfect Vision: How to be ready for a year like 2020

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What a year it has been. I no longer believe that “2020” is perfect vision, because I don’t think any of us saw this year coming…no matter how good your vision is! It’s definitely been a year packed full of challenges, frustration and uncertainty – on so many levels. 2020 has brought with it an element of change for all of us.  It has forced us to modify the way we work, the way we learn, and the way we play.

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Think Twice Before Tapping into Your Retirement Savings

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New legislation – the CARES Act –permits qualified individuals to take early distributions from their retirement assets, such as their 401(k) or individual retirement account (IRA) — penalty free. The rules – which sunset after 2020 – are designed to help the many cash-strapped Americans who have suffered financially as a result of the coronavirus epidemic. But tapping into your retirement savings has its costs, and there may be better ways to shore up your short-term cash flow.

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Thinking of Timing the Market? Think Again.

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Volatility is back. The sustained rally that produced 30%+ gains in the S&P 500 in 2019 and continued into 2020 came to an abrupt halt in late February, when fears of the new coronavirus epidemic and its effects on the economy swept Wall Street and beyond. Markets across the globe plummeted, and the Dow Jones Industrial Average dropped over 1,000 points in one day. More drops followed, and volatility has ensued as investors try to grapple with the spreading epidemic and its potential impact on trade, travel, and the global economy.

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