Market Commentary

The resources below provide additional information regarding trends and perspectives within our complicated and ever-changing financial environment. The research team at LPL Financial offers three excellent financial resource publications, entitled Market Commentary, Economic Commentary, and Portfolio Compass. We offer these publications as well articles, white papers and reference guides from our advisors and other thought leaders in the areas of investing, estate planning and insurance, among others.

Outlook 2020

Hindsight is 20/20, but finding clarity in future uncertainty can be fuzzy. As we look forward to next year and a new decade, some key trends and market signals will be important to watch, including progress on U.S.-China trade discussions, an encouraging outlook from corporate America, and continued strength in consumer spending. Trade risk, slower global growth, and the impeachment inquiry have garnered a lot of the headlines recently, but behind the scenes the U.S. economy has remained resilient. To help keep it all in focus, LPL Research Outlook 2020: Bringing Markets Into Focus offers investment insights and market guidance through the end of 2020.

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Summary: 2017 Tax Cuts and Jobs Act

 
After more than a year of political posturing and investor anticipation, Congress finally approved a $1.5 trillion tax cut, the most sweeping U.S. fiscal overhaul since 1986. The 2017 Tax Cuts and Jobs Act was signed into law by President Trump last Friday, December 22, meeting his pledge to deliver tax reform before Christmas. The complex 1,000-page bill features changes that are intended to spur economic activity through a reduction in both individual and corporate tax rates, and simplify the tax code by eliminating or trimming a variety of deductions and exemptions. We present here a quick summary of the new tax act, comparing taxes as we knew them last year with what we can expect going forward.

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Retirement Environment Index

 
The LPL Research Retirement Environment Index is a holistic ranking of the attractiveness of each U.S. state as a retirement destination. This unique index looks specifically at the 45- to 64-year-old cohort (pre-retirees) and collectively assesses strengths and weaknesses of pre-retiree desirability on a state level, rather than city or regional level. The 45- to 64-year-old cohort is the largest subset of the Baby Boomer generation but also includes some older members of Generation X. States are evaluated on six key factors, each with its own supporting metrics, to evaluate overall desirability for retirement.

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Our 401k/IRA Rollover Guide

Most workers in the United States count on employers to help them save for a financially secure retirement. Employer-sponsored retirement plans such as 401(k) plans and profit sharing plans hold more than $24 trillion in retirement savings. One of the most important financial decisions workers will make is what to do with assets they have accumulated in their employer’s retirement plan when they leave their job. Traditionally, this decision needed to be made when workers retired, but it’s not just a retirement issue anymore. Today, most workers will change jobs several times during their working years. Unlike past generations that may have spent most of their career with a single employer, the median tenure for a worker today is only 4.6 years. Each worker who decides to go to work for a new employer may be faced with the decision of what to do with the retirement plan assets in the prior employer’s plan. The choices workers make each time they change jobs will have a significant impact on their retirement nest eggs.

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