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MARKET UPDATE | FIRST QUARTER 2020

During the first quarter of 2020, equity and fixed income markets experienced extreme bouts of volatility due to the coronavirus pandemic. In response, the Fed rapidly unleashed unprecedented levels of stimulus while simultaneously injecting much needed liquidity into the financial system.

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Trending Topics

5 Things to Know About Your Medicare Benefits

With the open enrollment period for Medicare just around the corner, now is the time to start thinking about strategies that will enable you to maximize your Medicare benefits. With this in mind, here are five things you should know about Medicare:

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5 Reasons to File Your Taxes Early

The Internal Revenue Service started accepting tax returns for 2018 on Monday, January 28 – which means Tax Season has officially begun! Review the top 5 reasons you should consider filling early this year.  VIEW

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Know The 1099 Reporting Rules

1099-MISC reporting rules can be confusing. Learn the filing requirements, exceptions, as well as some quick tips to make filing easier.  VIEW

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YOUR 2018 CHARITABLE GIVING GUIDE

Matthew Reed, CPA and Jose Franco VIEW

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2015 Tax Planning Guide

View our guide to help with your 2015 tax planning

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What You Should Know About AMT

IRS Tax Tip 2014-10 View

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MARKET TIMING: WHAT RECENT AND HISTORIC MARKET RETURNS HAVE REVEALED

An apt description of markets in 2020 may have been written by Charles Dickens 161 years ago, “It was the best of times, it was the worst of times...” After achieving record highs for the Dow, S P 500 and NASDAQ indices February 12th, the markets began their unprecedented descent February 20th, resulting in a 37% fall in just 28 trading days. One result was that individual investors—some unsure but many in panic—withdrew $62 billion from equity mutual funds during that short period, and then an additional $71 billion during the following two months. So, a total of $133 billion was thought by these investors to be shielded from further market losses. But, was a shift to cash rewarded by following this market timing strategy? Unfortunately, for many of these investors, the answer is a resounding “No”. If an investor were out of the market, i.e. in cash, for only 5 of the best trading days in 2020, then the investor would have suffered a 30% portfolio loss compared to another investor who remained fully invested throughout 2020. This is a summary of the attached article (link), and full details and disclosures are included within.

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All Stock Market Rallies Are Not Created Equal: This Week’s Market Volatility

All Stock Market Rallies Are Not Created Equal: This Week’s Market Volatility   On February 19th, 2020, the S P 500 reached a historic high of 3,386. Only 33 days later (just 23 market trading days) on March 23rd, 2020, the S P 500 Index1 had fallen 33.9% to a level of 2,237. The primary sources of this significant decline were threefold: the growing dimension of the COVID-19 pandemic; resultant concerns about its potential economic and financial fallout; and a somewhat tepid initial response to the pandemic by institutions such as the Fed, the U.S. Treasury and various levels of government.

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MARKET UPDATE | FIRST QUARTER 2020

During the first quarter of 2020, equity and fixed income markets experienced extreme bouts of volatility due to the coronavirus pandemic. In response, the Fed rapidly unleashed unprecedented levels of stimulus while simultaneously injecting much needed liquidity into the financial system.

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RESTORING AMERICA’S ECONOMIC & FINANCIAL MOMENTUM: AN UPDATE

RESTORING AMERICA’S ECONOMIC & FINANCIAL MOMENTUM: AN UPDATE   Responding quickly to the accelerating stress resulting from the Covid pandemic, Congress and the Fed have each undertaken a series of initiatives to restore America’s economic and financial momentum. More specifically, Congress has focused on assuring solvency for households, corporations and other vital organizations. In turn, the Fed has acted to maintain sufficient liquidity throughout the financial system. In this note, The Mather Group would like to provide a quick summary of several key elements of these initiatives.

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Bear markets and their historic financial and economic recoveries

Bear Markets and their historic financial and economic recoveries   The market selloff on March 16th has resulted in a 29.5% fall from the market peak reached February 19th, using the S P 500 as the benchmark. Declines which exceed 20% are often deemed “bear markets,” and raise investor concerns with respect to the magnitude and timing of their potential recovery. In this note, The Mather Group would like to share some historic data which illustrates the financial and economic recoveries from both prior bear markets and pandemics.

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Important Questions and Answers About Recent Market Volatility

IMPORTANT QUESTIONS AND ANSWERS ABOUT RECENT MARKET VOLATILITY The Mather Group continues to monitor the interplay between market volatility and the spread of the COVID-19 virus. Thus, we would like to share with you our current outlook, framed within the context of six primary questions discussed recently by members of our Investment Committee. If our outlook changes, we will share further updates with you, of course. 

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A Look Back - And Forward - At This Week's Market Volatility

A LOOK BACK - AND FORWARD - AT THIS WEEK'S MARKET VOLATILITY   This has been an information-intensive week displaying the continued health of the US economy. February saw the creation of 273,000 new jobs, while the 3.5% unemployment rate remained at a 50-year low. Wages continued to grow at a 2.9% annual rate, while inflation stayed subdued at 2.5%. Workforce participation rates continued at their high levels, or 72% for males and 59% for females.

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The Market Volatility Conundrum

THE MARKET VOLATILITY CONUNDRUM   With the significant uptick in worldwide Covid-19 cases, there has been a parallel increase in equity market volatility. US equity markets, as measured by the S P 500, have now experienced a “correction”, or a drop of 10%. In this note, The Mather Group would like to share its perspectives on some of the factors driving this volatility, identify our risk management tools in use to limit portfolio erosion and demonstrate that markets have responded quickly—and often quite positively—to past corrections and pandemics.

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Mortgage Rates Drop Near All Time Lows - Time to Refinance?

  Yields on US Treasuries fell again Thursday with continued fears over the spread of the coronavirus pushing interest rates down even further days after the Federal Reserve’s emergency 50 basis point interest rate cut.  The 10-year US Treasury Note dropped to an all-time low of 0.914% in intraday trading on Wednesday with the 30-year US Treasury bond yield touching 1.55%.  While the uncertainty in equity and fixed income markets surrounding the coronavirus remains, this continued drop in interest rates has brought mortgage rates down to historic lows, with the average 30-year fixed mortgage rate dropping to 3.29%, as seen in the graphic below. 

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MARKET UPDATE | FOURTH QUARTER 2019

Low rates continue to be a boon for both equity and fixed income markets.  The Fed lowered rates for the 3rd time in 2019 and adopted a more accommodative monetary policy than previously held.  Going forward, the Fed is signaling a wait-and-see approach to additional rate changes, leading many to believe that rates will remain unchanged throughout 2020.   In addition to low rates, the easing of hostilities in the US/China trade war also helped to bolster investor confidence and rally the markets. With the phase one trade deal expected to be signed in Q1 2020, investors remain optimistic that continued progress will help drive positive market performance. International equities have continued to underperform relative to their US counterparts. However, when looking at valuation metrics, international equities are looking increasingly attractive to investors.

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Coronavirus Sparks Market Selloff - The Benefits of Staying Invested

Markets sold off today as the number of new coronavirus cases spiked outside of China, with the disease spreading to over 28 countries. It’s still too early to know how severe the impact will be to global supply chains and the economy, however, it’s moments like these that define an investor and their long-term outcome. Many will try to time the market in an attempt to avoid losses, however, history has repeatedly shown us it’s best to remain invested. It’s not easy being an investor, and today is a great example of that.  This article explains why we fundamentally believe clients are better off staying invested and outlines the pitfalls of trying to “time the market.”

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MARKET UPDATE | THIRD QUARTER 2019

The U.S. continues to outperform global markets as Europe and China increasingly show signs of weakness. U.S. equity markets were choppy during the 3rd quarter but ended in positive territory, unlike global equities, which ended slightly down. Falling yields continue to fuel the U.S. bond rally. As market participants anticipated, the Fed cut rates twice and signaled a willingness for more accommodative monetary policy in an effort to support the economic expansion. For the first time, passive U.S. equity funds surpassed active fund strategies, solidifying a paradigm shift towards passive indexing and away from active management. Globally, the same headwinds to market stability linger: the U.S. and China trade impasse, Brexit deal uncertainty, and escalating tensions with Iran.

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MARKET UPDATE | SECOND QUARTER 2019

US Stocks and bonds continued their rally in the 2nd quarter, with stocks posting their strongest first half returns since the dot-com boom. Both markets arereacting strongly to the same event – increasing likelihood of at least one fed rate cut in 2019. Though this market expansion is now a bit long in the tooth (atjust over 10 years), the return of easy money policies could extend the party.Globally, the same threats to market stability still linger. Brexit has been delayed, the US and China are at an impasse in trade deal negotiations and tensionswith Iran have worsened. International markets have trailed the US slightly through the first half of the year as their economies navigate these issues.

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MARKET UPDATE | FIRST QUARTER 2019

While 2018 ended with US and international equities selling off in the fourth quarter, 2019 has begun with equities bouncing back and fixed income posting its strongest quarterly return in three years. Despite the geopolitical uncertainties of “Brexit” and US-China trade relations, the US economy continues to demonstrate strength, evidenced by solid wage growth and low unemployment below 4%. Additionally, the Fed has helped calm markets by taking on a more dovish tone regarding rate hikes, due in part to subdued inflation.

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MARKET UPDATE | FOURTH QUARTER 2018

While 2017 felt like a golden year with positive returns and historically low volatility, we experienced a resurgence of stock market volatility in 2018. Whether it be from the Fed hiking interest rates, China trade war and tariff fears, Brexit challenges or other factors, investor uncertainty elevated, which negatively impacted stock markets. Despite all this, we still saw indicators that the US economy was on positive footing in 2018, such as historically low unemployment and increased GDP levels.

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MARKET UPDATE | THIRD QUARTER 2018

US stocks were the only bright spot in the global markets. Despite bonds and international stocks realizing flat-to-negative returns, we strongly believe diversification pays off over the long-run. It’s very important not to lose sight of what is truly an appropriate risk-adjusted portfolio for your individual circumstance.

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MARKET UPDATE | SECOND QUARTER 2018

The US economy continues to demonstrate strength as we enter the second half of 2018. While US tax cuts helped boost corporate earnings; tariffs, trade disputes and a strengthening US dollar, coupled with tighter credit, have provided some headwinds to strong global growth.

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MARKET UPDATE | First Quarter 2018

With the new year, we’ve seen a resurgence in stock market volatility, which was largely absent during 2017. While tax cuts helped propel stocks to record highs, fears of US protectionism, tariffs and rising interest rates have, in part, acted as a counterweight to a strong global economy.

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MARKET UPDATE | Fourth Quarter 2017

As we reflect on the final quarter of 2017, it’s safe to say we had an interesting year. We saw a lot of political volatility across the globe—as the ongoing sparring and saber-rattling between the US and North Korea took center stage late last year. We also saw hurricanes and wildfires throughout 2017 that devastated parts of the country, disrupting lives and economic growth.

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Market Update | Third Quarter 2017

During the past quarter we’ve encountered recurring themes in terms of topics causing a sense of uneasiness for investors.

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Fourth Quarter 2015

Stewart Mather, CFP®, CIMA Download

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First Quarter 2016

Stewart Mather, CFP®, CIMA Download

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Second Quarter 2016

Stewart Mather, CFP®, CIMA Download

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Third Quarter 2016

Stewart Mather, CFP®, CIMA Download

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Fourth Quarter 2016

Stewart Mather, CFP®, CIMA Download

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First Quarter 2017

Stewart Mather, CFP®, CIMA Download

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MARKET UPDATE | Second Quarter 2017

Stewart Mather, CFP® Download

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Third Quarter 2015

Stewart Mather, CFP ®, CIMA ® Download

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Second Quarter 2015

Stewart Mather, CFP®, CIMA® Download

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First Quarter 2015

Stewart Mather, CFP®, CIMA® Download

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Year End 2014

Stewart Mather, CFP®, CIMA® Jason Jones, CFA® Download

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Top 50 Fastest-Growing Firms

Financial Advisor Magazine Download

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Third Quarter 2014

Stewart Mather, CFP®, CIMA® Jason Jones, CFA® Download

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Second Quarter 2014

Stewart Mather, CFP®, CIMA® Jason Jones, CFA® Download

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First Quarter 2014

Stewart Mather, CFP®, CIMA® Jason Jones, CFA® Download

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Year End 2013

Stewart Mather, CFP®, CIMA® Jason Jones, CFA® Download

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Third Quarter 2013

The Mather Group, Inc. Investment Committee Download

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Second Quarter 2013

The Mather Group, Inc. Investment Committee Download

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First Quarter 2013

The Mather Group, Inc. Investment Committee Download

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Year End 2012

The Mather Group, Inc. Investment Committee Download

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Third Quarter 2012

The Mather Group, Inc. Investment Committee Download

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Second Quarter 2012

The Mather Group, Inc. Investment Committee Download

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First Quarter 2012

The Mather Group, Inc. Investment Committee Download

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Year End 2011

The Mather Group, Inc. Investment Committee Download

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CONGRESS PASSES THE SECURE ACT

Congress recently passed an appropriations bill that is expected to be signed by the President.  Attached to the spending bill is The Setting Every Community Up for Retirement Enhancement (SECURE) Act that was previously passed by the House and stalled in the Senate.  The SECURE ACT is being sold as a way to help our country’s retirement savings crisis by enhancing access to retirement plans and increasing the flexibility of those plans.  Although the plan will allow more people to access and contribute to retirement plans, other parts of the Act appear to be designed to increase revenue for the Federal government and financial services companies that sell products.

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REGULATION BEST INTEREST: IS THIS THE BEST THE SEC CAN DO?

Earlier this month, the Securities and Exchange Committee (SEC) adopted Regulation Best Interest, a ruling that will increase the standards of broker-dealers. The proposed solution is set to go into effect in June 2020. Our founding partner, Stewart Mather, shares his thoughts on the ruling.

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Roth 401(k) vs Roth IRA- Which is the Better Retirement Plan for You?

The good news for Americans who want to save more money for retirement is that there is a wide range of tax-advantaged retirement savings plans to choose from. Two of the most popular are Individual Retirement Accounts (IRAs) and 401(k) plans.

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Five Ways to a Fail-Safe Retirement

Watch for these things today so you'll stay on track for tomorrow. 

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Demystifying Medicare

Learn the tips and tools you need to manage health care costs in retirement.

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SUPER BOWL LIII: 7 FUN FINANCE FACTS

The Super Bowl is one of the biggest single-day sporting events in the world, making it big business. From advertising costs to ticket prices, the championship game impacts wallets in all sorts of ways. Before the coin toss in Atlanta, check out these seven financial facts about the big game.    VIEW

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Withdrawal Guidelines

Establish a withdrawal strategy that will sustain your savings over the long haul while reducing your tax liability. View

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IRA Contribution Limits & Deadlines

See contribution limits deadlines for traditional and Roth IRAs View

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Required Withdrawals at Age 70 1/2

Learn more about your Minimum Required Distribution (MRD), how it's calculated, and how to set up a withdrawal and reinvestment plan. View

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IRA Withdrawal Rules

See withdrawal rules for Traditional and Roth IRAs. View

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IRA Comparison - Roth IRA vs. Traditional IRA

Use this comparison chart to help you determine which kind of IRA may be right for you. View

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How Much is My Social Security Estimate?

Estimate your retirement benefits here. View

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TMG acquires Resource Advisory Services, marking TMG’s third acquisition of 2020 https://t.co/24OTvH2wZx
RT @IntAdviser: US in the news: A round-up of people moves and M&A deals across North America #KarpusManagement @sanctuarywp @themathergrou