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Monday, August 8, 2022

Stocks turned in a mixed performance last week as investors struggled with headlines suggesting that the Fed was unlikely to soon ease up on its current monetary tightening policy.The Dow Jones Industrial Average slipped 0.13%, while...

Monday, August 1, 2022

Undaunted by another Fed rate hike and news of a contracting economy, the stock market rallied last week on better-than-expected corporate earnings.The Dow Jones Industrial Average increased 2.97%, while the Standard & Poor’s 500...

Monday, July 25, 2022

Stocks rallied last week as investor spirits lifted thanks to a better-than-expected start to the second-quarter earnings season.The Dow Jones Industrial Average gained 1.95%, while the Standard & Poor’s 500 added 2.55%. The...

Monday, July 18, 2022

A record-high inflation report, the prospects of a more aggressive Fed, and growing recession fears sent stocks lower– though losses were pared by a Friday rally.The Dow Jones Industrial Average slipped 0.16%, while the Standard...

Monday, July 11, 2022

In a holiday-shortened trading week, stocks rallied despite mixed economic data and vacillating energy prices and bond yields.The Dow Jones Industrial Average increased 0.77%, while the Standard & Poor’s 500 rose 1.94%. The...

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Monday, June 27, 2022

Prospects of cooling inflation powered a rally in stock prices last week despite growing recession concerns.The Dow Jones Industrial Average gained 5.39%, while the Standard & Poor’s 500 climbed 6.45%. The Nasdaq Composite index...

Tuesday, June 21, 2022

Stocks moved lower last week as recession fears deepened following a Fed hike in interest rates and weak economic data.The Dow Jones Industrial Average fell 4.79%, while the Standard & Poor’s 500 dropped 5.79%. The Nasdaq...

Monday, June 13, 2022

A higher-than-expected inflation report triggered a sell-off on Friday, leaving stocks in the red for the week.The Dow Jones Industrial Average lost 4.58%, while the Standard & Poor’s 500 dropped 5.05%. The Nasdaq Composite index...

Monday, June 6, 2022

In a holiday-shortened week of volatile trading, stocks surrendered some of the previous week’s strong gains.The Dow Jones Industrial Average fell 0.94%, while the Standard & Poor’s 500 declined 1.20%. The Nasdaq Composite...

Tuesday, May 31, 2022

Stocks posted solid gains for the week, buoyed by the release of Fed meeting minutes and upbeat earnings from mid-size and discount retailers.The Dow Jones Industrial Average jumped 6.24%, while the Standard & Poor’s 500 advanced...

Monday, May 23, 2022

Monday, May 16, 2022

Monday, May 9, 2022

Wednesday, July 21, 2021

Risk tolerance is the level of risk, or market ups and downs, an investor is willing and able to tolerate. An aggressive investor, one with a high risk tolerance, is willing to risk greater loss to potentially maximize returns, while...

Wednesday, July 14, 2021

Just like the old warning against putting all of your eggs in one basket, if you put all your money in one company stock and it dropped like a rock, you’d lose everything. Diversification can help protect your portfolio from...

Wednesday, July 7, 2021

eople often ask us, “How long will it take to double my money?” You can find the answer with the rule of 72. Here’s how it works. Compounding interest is the interest you earn on a growing amount of money. To find...

Wednesday, June 30, 2021

Written goals are your road map to financial success. Be specific, simple, and realistic and include time frames and dollar amounts. Have some big goals and some small ones. Include a savings plan and an emergency fund. Pay off...

Wednesday, June 23, 2021

As life expectancy has grown, your retirement now can last between 20 and 30 years. So Social Security planning is critical, no matter how much money you have. It can make a difference of hundreds of thousands of dollars. For example,...

Wednesday, June 16, 2021

“Householding” is about getting a complete view of all your accounts and holdings. But what’s a view without action? “Smart-householding” takes this view a step further by coordinating all these accounts...

Wednesday, June 2, 2021

If you faced sudden evacuation of your home, would you be prepared to grab all your important documents and items on your way out the door? Few of us would be clear headed enough to know what we need, and where to find it, in a time...

Wednesday, May 26, 2021

Thousands of Baby Boomers are retiring each day, and many are wondering about the possibility of having to pay for expensive long term care. Long term care insurance was created to cover the costs of skilled nursing, assisted living...

Wednesday, May 19, 2021

To keep your investment portfolio on target for financial goals, you want to balance risk and diversify your assets. That’s the purpose of asset allocation – the process of dividing your portfolio among major categories...

Thursday, May 13, 2021

A life insurance policy protects your loved ones against the loss of your income after your death, and helps to preserve their standard of living. You’ll name a beneficiary to receive the proceeds, and in exchange, you’ll...

Wednesday, May 5, 2021

If you’ve become the beneficiary of an IRA or other retirement account, it’s important to know your options. You can take the money out in one lump sum. This requires opening an account called an Inherited IRA in your name...

Wednesday, April 28, 2021

As life expectancy has grown, your retirement now can last between 20 and 30 years. So Social Security planning is critical, no matter how much money you have. It can make a difference of hundreds of thousands of dollars. For example,...

Wednesday, April 21, 2021

If you’re changing jobs or retiring, it’s important to know the rules regarding moving funds from your employer sponsored retirement plan. The wrong move could cost you in income taxes and early withdrawal penalties. You...

Wednesday, April 14, 2021

You don’t have to be a math whiz or know how to pick stocks to become savvy about money. Being savvy about money is more about being engaged, understanding what you want and having a plan designed for your life. And it all...

Wednesday, March 31, 2021

A 1035 exchange is a provision in the tax code that allows you, as a policyholder, to transfer funds from a life insurance, endowment or annuity to a new policy, without having to pay taxes. The IRS allows holders of these types of...

Thursday, March 25, 2021

Most Americans who turn 65 are eligible for Medicare, a federal program that covers many health expenses for seniors. But the program is complicated. Here are 5 important facts you need to know: First – Medicare is not free. Of...

Wednesday, February 10, 2021

Dollar cost averaging is a stock market investing technique where you buy a fixed dollar amount of a particular investment on a regular schedule, regardless of the share price. More shares are purchased when prices are low and fewer...

Wednesday, January 27, 2021

You’ve worked so hard to build your net worth, but it could fall into a sinkhole if you don’t do estate planning. Estate planning isn’t just for the rich, it is a necessity for everyone, and estate plan will allow...

Wednesday, January 13, 2021

Tax efficient investing involves strategies to help reduce the impact of taxes. Investments have three tax flavors: taxable, tax-deferred and tax-exempt. Taxable requires gains to be paid as they are earned each year. These include...

Wednesday, January 6, 2021

At Oculus Financial, we use our keen eye and experience to help guide clients through the minutiae of the financial world no matter the goal. Jason chose name and logo for Oculus Financial during this time in the United States Marine...

Wednesday, December 30, 2020

With a traditional IRA, you may qualify for a tax deduction when you invest your money. But later, when you take the money out in retirement, all those distributions are taxed. The Roth IRA is the opposite. It has no deduction when...

Wednesday, December 23, 2020

What are annuities and how do they work? Annuities are both a savings and an income investment that pays out over a period of time. It’s actually a steam of income you can’t outlive. An annuity is a flexible insurance...

Wednesday, December 16, 2020

What are required minimum distributions and how are they determined? Beginning at age 72 and you must begin to withdraw money from your retirement accounts every year. The amount is determined based on your life expectancy. As...

Wednesday, December 9, 2020

What is the real cost of identity theft? It goes beyond just financial loss. In the past, identity theft happened when someone stole your wallet or picked through your trash or your mail. Today’s theft is much more sophisticated...

Monday, December 7, 2020

These challenging times are filled with uncertainty… record job losses, constant market fluctuations and insurance coverage that suddenly might seem inadequate. By taking the time to objectively evaluate your current situation...

Wednesday, October 28, 2020

You’ve been saving for your retirement for decades. Don’t undermine your own plans by making these 5 common mistakes when you retire. First, don’t retire too soon. Lifespans are increasing and many retirees...

Wednesday, October 14, 2020

Risk tolerance is the level of risk, or market ups and downs, an investor is willing and able to tolerate. An aggressive investor, one with a high risk tolerance, is willing to risk greater loss to potentially maximize returns, while...

Wednesday, September 30, 2020

Risk tolerance is the level of risk, or market ups and downs, an investor is willing and able to tolerate. An aggressive investor, one with a high risk tolerance, is willing to risk greater loss to potentially maximize returns, while...

Wednesday, September 16, 2020

People often ask us, “How long will it take to double my money?” You can find the answer with the rule of 72. Here’s how it works. Compounding interest is the interest you earn on a growing amount of money. To find...

Wednesday, September 2, 2020

Written goals are your road map to financial success. Be specific, simple, and realistic and include time frames and dollar amounts. Have some big goals and some small ones. Include a savings plan and an emergency fund. Pay off...

Wednesday, August 19, 2020

Oculus Financial Group (707) 230-6525 As life expectancy has grown, your retirement now can last between 20 and 30 years. So Social Security planning is critical, no matter how much money you have. It can make a difference of hundreds...

Monday, April 23, 2018

Stocks posted moderate gains last week, as the S&P 500 added 0.52%, the Dow increased 0.42%, and the NASDAQ rose 0.56%.[1] International stocks in the MSCI EAFE followed suit, gaining 0.41%.[2] We received numerous new data updates...