The Baron Group

March Madness and the DJIA – Winners & Losers Newspapers, radio, and TV news programs frequently reference the Dow Jones Industrial Average (DJIA), often calling it the Dow or the Dow Jones. Economists and financial advisors closely monitor its daily fluctuations and long-term trends. But what exactly is the Dow Jones Industrial Average, does i...

Hurricane Milton and What it Means for Markets The combined impact of Hurricane Milton and Hurricane Helene poses a significant risk to the local economy, potentially dampening consumer spending and growth in the affected regions. Economists at Citi and J.P. Morgan warn that these back-to-back weather events could skew upcoming economic data, pa...

Some of these seem obvious but can often be overlooked. There is still plenty of time to call your Advisor...

Top Five Year-End Planning Moves to Consider As the end of the year approaches, it's an opportune time to review your financial status and make strategic decisions that can impact your financial well-being in the coming year. Implementing certain financial moves before the year ends can potentially save you money, optimize your taxes, and set....

There are some great new products and tools available right now to help keep pace with these rising costs and we would like to show you what we are doing for our clients or reach out to your Advisor for help.

College Costs Are Rising 5X Faster Than Inflation In today's rapidly changing economic landscape, proper financial planning has become more critical than ever. When it comes to saving for children's college expenses, accounting for inflation is a fundamental aspect that cannot be overlooked. Inflation, the gradual increase in the cost of goods and....

I think this is fascinating how slow CDs were react to a 40 year trend line breaking event than was the bond market. Now that we have a bid in CDs and you don't have to ask your banker if he can do any better than 50 bips... I wonder what the CD rate rate curve is trying to tell us.

Have you noticed that was. nd wondering what CDs are trying to tell us if you look at how they are being priced?
For example a 3 yr rate at 5.00 % and a 5 year rate at 5.50% are incredible compared to what we saw the last 5 years, but then you get paid nothing for longer durations as the curve falls off the cliff. Interesting times.
Anyone have an opinion? Please share it. My Guess, is that I would not lock it up too many years. Enjoy!

As Rates Rise, CDs Are Making A Big Comeback In a rising interest rate environment, fixed-income investments become increasingly important for investors. Fixed-income investments such as bonds, Treasury bills, and Certificates of Deposit provide a steady income stream and are generally considered to be less risky than other types of investment...

it has never been easier

Plum Life | Fast, Easy Life Insurance Coverage Most customers don't have the right life insurance coverage if at all. Quickly get the coverage you need for less than you think. Take a look for yourself. I am also happy to walk you through the process and get you covered. Message me with questions.

The first 3 out of 4 alternatives mentioned are nothing new and pretty scary in today's world, but I thought this would be perfect to mention what we offer our business clients and would fall into the last choice referred to as "online cash management accounts" with something called "MAX my interest". Max works with The American Deposit Management Co. (ADM), a leading provider of proprietary cash management solutions for Treasury Professionals in both the public and private sectors. ADM clients include top U.S. corporations, municipalities, universities, public funds, non-profits, and legal industry experts.

With Max, our clients can now earn up to 5.05% yield on cash, FDIC-insured. That’s 4.55% to 4.75% more than most investors are earning today in traditional bank or brokerage accounts.
and ... Access through ADM’s exclusive network of pre-screened financial institutions gives you up to $100 million of FDIC/NCUA deposit insurance.

CASH should be an earner for your business and one that can be substantial. MAX can do the heavy lifting keeping it SAFE and LIQUID so you still focus on running your business. Max could be the difference in your business being profitable or not, or unexpectedly blowing past earning projections or NOT. Enjoy the information and ask us how MAX can help you.

Bank Alternatives for Diversifying Cash Holdings As a business owner, you may have heard about the recent failures of Silicon Valley Bank and Signature Bank. These two events highlight the importance of diversifying your cash holdings and exploring bank alternatives for operating cash balances exceeding $250,000, which is the maximum amount covere...

In general terms, the bond market has been rising ( interest rates falling) for about 40 years until it recently broke a long-term trend line. It wouldn't be that crazy to see bond prices fall ( Interest rates rise) for a few years if nothing else correcting that 40-year move.
If so, bonds might not be the safest place to hide, as they have become perceived to be in the eyes of so many investors, when volatility in equity markets becomes too much.
Be careful with bonds and bond funds if that turns out to be the case, especially in a 20-year duration or more.
Check with your Advisor for some fantastic alternatives now that rates have finally moved up from zero.

Sectors to Consider if Inflation Continues to Rise In general terms, the bond market will rally when increases in the Consumer Price Index (inflation) are small and the bond market will fall when increases in the CPI are large. The equity markets generally follow the same trend as the bond market when responding to CPI numbers. In other words, the e...

Educational Tax Tip - For Married couples filing jointly with an IRA contributor NOT covered by a retirement plan at work, THE SPOUSE can also make a deductible IRA contribution without any Phase out of the deduction based on income. (always consult with a tax professional regarding your specific situation) Enjoy.

IRS Increases 401(k) Limit By Record Amounts On October 21st, the Internal Revenue Service announced that the amount individuals can contribute to their 401(k) plans in 2023 has increased to $22,500, up from $20,500 for 2022. The IRS today also issued technical guidance regarding all of the cost of living adjustments affecting dollar limitatio...

The Cost of Raising Just One Child is Over $310k If you have a child, you may want to read the recent analysis from the Brookings Institute which details just how expensive raising kids can be. It’s downright frightening. According to the Brookings Institute analysis, the average amount a married, middle-income couple with two children would spe...

What Happens if You Die Without a Will? [Updated 2020] | Trust & Will “What happens if you die without a will” is a question frequently asked of Estate Planning professionals, and we’ve done our best to answer it in our guide.

52 Years is a long time...

U.S. Jobless Claims Fall to Lowest Level in 52 Years Initial unemployment filings fell to 184,000 last week. Layoffs remain low as employers hold on to workers in a tight labor market.