Lumina Financial Consultants, LLC
Lumina Financial Consultants, LLC
Blog Post
  • When investing, particularly for long-term goals, there are two concepts you will likely hear about over and over again — diversification and asset allocation. Diversification helps limit exposure to loss in any one investment or one type of investment, while asset allocation provides a blueprint to help guide your investment decisions. Understanding how the two...

Lumina Financial Consultants, LLC
Lumina Financial Consultants, LLC
Blog Post
  • Key Dates/Data Releases 8/1: Personal income and outlays, PMI Manufacturing Index, ISM Manufacturing Index 8/3: ISM Non-Manufacturing Index 8/4: Employment situation, international trade MARKET WEEK: JULY 31, 2017 The Markets (as of market close July 28, 2017) Of the benchmark indexes listed here, only the Dow and the Global Dow posted gains last week. The remaining...

Lumina Financial Consultants, LLC
Lumina Financial Consultants, LLC
Blog Post
  • Social Security and Medicare Trustees Reports: Financial Challenges Continue Every year, the Trustees of the Social Security and Medicare Trust Funds release reports to Congress on the current financial condition and projected financial outlook of these programs. The newest reports, released on July 13, 2017, discuss the ongoing financial challenges that both programs face, and...

Lumina Financial Consultants, LLC
Lumina Financial Consultants, LLC
Blog Post
  • Doubt is not a pleasant condition, but certainty is an absurd one.—Voltaire “The market hates uncertainty” has been a common enough saying in recent years, but how logical is it? There are many different aspects to uncertainty, some that can be measured and some that cannot. Uncertainty is an unchangeable condition of existence. As individuals,...

Lumina Financial Consultants, LLC
Lumina Financial Consultants, LLC
Blog Post

New blog articles detected.

  • Four Financial Issues to Watch Under the New Administration

    On January 20, 2017, Donald J. Trump will be sworn in as the 45th president of the United States. Between now and then, attention should largely focus on efforts to facilitate an orderly transfer of power, but there will be no shortage of conjecture over what may happen after the inauguration. While changes are likely,...

  • Year-End Charitable Giving

    With the holiday season upon us and the end of the year approaching, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes to mind. The tax benefits associated with charitable giving could potentially enhance your ability to give and should...

  • Claiming a Tax Deduction for Your Charitable Contributions

    If you plan to claim a federal income tax deduction for qualifying charitable contributions, it’s important to keep good records of your gifts. Basically, your records should include the following information: charity to whom the gift was made the amount of cash or the type and value of other property you donated to the charity...

  • Early Returns: How U.S. Markets Reacted to the Presidential Election

    On November 8, 2016, Republican candidate Donald J. Trump won a closely contested election for president of the United States. Late on election night, when it became evident that Trump was likely to win despite consistently trailing in the polls, foreign markets went into a deep dive.1 Many observers expected a similar reaction when the...

  • Four Tips for Making Charitable Donations Count this Holiday Season

    The holidays have always been a popular time to make charitable donations and this year, particularly, many people may be looking for ways to give back. With so many charities to choose from, it’s more important than ever to ensure that your donation is well spent. Here are four tips that can help you make...

  • The Power of Markets

    In 1958, economist Leonard Read published an essay entitled “I, Pencil: My Family Tree as Told to Leonard E. Read.” The essay, narrated from the point of view of a pencil, describes the “complex combination of miracles” necessary to create and bring to market the commonplace writing tool that has been used for generations. The...

  • Emergency Funds – Creating Your Own Financial Safety Net

    Having a financial safety net in place can ensure that you’re protected when a financial emergency arises. One way to accomplish this is by setting up a cash reserve, a pool of readily available funds that can help you meet emergency or highly urgent short-term needs. How much is enough? Most financial professionals suggest that...

  • How Much Annual Retirement Income Will You Need?

    How much annual income will you need in retirement? If you aren’t able to answer this question, you’re not ready to make a decision about retiring. And, if it’s been more than a year since you’ve thought about it, it’s time to revisit your calculations. Your whole retirement income plan starts with your target annual...

  • Are You Ready to Retire?

    The question is actually more complicated than it first appears, because it demands consideration on two levels. First, there’s the emotional component: Are you ready to enter a new phase of life? Do you have a plan for what you would like to accomplish or do in retirement? Have you thought through both the good...

  • Medicare Open Enrollment Begins October 15

    What is the Medicare open enrollment period? The Medicare open enrollment period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year, Medicare plans typically change what they cost and cover. In addition, your health-care needs may have changed over the past year....

Lumina Financial Consultants, LLC
Lumina Financial Consultants, LLC
Blog Post

New blog articles detected.

  • 10 Years and Counting: Points to Consider as You Approach Retirement

    If you’re a decade or so away from retirement, you’ve probably spent at least some time thinking about this major life change. How will you manage the transition? Will you travel, take up a new sport or hobby, or spend more time with friends and family? Should you consider relocating? Will you continue to work...

  • New Real Estate Sector Puts Equity REITs in the Spotlight

    S&P Dow Jones Indices and MSCI recently moved publicly traded equity real estate investment trusts (REITs) and other listed real estate companies from the Financials sector into a new, separate Real Estate sector effective September 1, 2016. (Mortgage REITs remain in the Financials sector, along with banks and insurance companies.) There are now 11 headline...

Lumina Financial Consultants, LLC
Lumina Financial Consultants, LLC
Blog Post

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