All Posts By

Judy Roseberry

COVID-19’s impact on small businesses

Thursday, March 19, 2020

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(NBC4.com)  Salons, barbershops, spas and tattoo parlors have closed their doors in Ohio, and no one knows when they will reopen. In a new order Wednesday, Ohio Governor Mike DeWine shut down those businesses in an effort to slow the spread of the coronavirus adding them to the list of bars, restaurants, gyms and movie theaters already shut down. “The immediate impact is going to be extremely deep,” said Joel Guth, a financial expert with Gryphon Financial Partners in Columbus.

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March 15th FOMC Follow-Up

Tuesday, March 17, 2020

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Extraordinary Market Events: Implied and realized volatility in both stocks and bonds has ramped to levels not seen since the global financial crisis. Equity markets officially entered bear market territory, with key benchmarks down over 20% from mid-February highs. The entire US Treasury yield curve briefly traded below 1%, as the 10-year bond breached 0.40% and set all-time lows. Oil has fallen 48% year-to-date as a pricing war between Saudi Arabia and Russia compounds global demand concerns. Aggressive Monetary Policy Response: 2/28/20 – In a short statement, Chair Powell acknowledged how “the coronavirus (COVID-19) poses evolving risks to economic activity,”…

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Barron’s Top Advisor Rankings by State

Tuesday, March 17, 2020

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(Barron’s) Congratulations to Joel Guth and Gryphon Financial Partners. Here are America’s best financial advisors, organized by state. The rankings are based on data provided by around 4,000 of the nation’s most productive advisors. Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.

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Organizing Financial Records – Elder Care and Finances Series

Friday, March 13, 2020

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This is our next blog in a series about how to plan and care for our aging loved ones. In this piece, we offer tips and advice on how to gather and organize financial records, documents and information. Organizing Financial Records Many of us don’t have our financial documents and information organized nor conveniently accessible in one place. Now, think about having to do that for a parent or aging loved one. It can be a big task. The goal is to get organized, so income, assets, spending, liabilities, key documents, and key advisors’ contact information are all easily accessible…

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Monthly Market Update for February 2020

Thursday, March 12, 2020

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Please find the next blog in our monthly series that provides a review of the prior month’s market data, the state of the economy, and the global financial markets. Global Economy: Despite risk-on sentiment that drove stocks to record levels in the first half of the month, it was a dramatic “leap” in volatility that ultimately defined the investor experience in February. Though seemingly under control in China, concerns of the expanding global effect of the coronavirus epidemic drove key equity benchmarks into correction territory as the month ended with the worst one-week loss since 2008. Markets reacted to the…

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The latest ways identity thieves are targeting you — and what to do if you are a victim

Monday, March 9, 2020

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(CNBC.com)  According to a 2019 Internet Security Threat Report br Symantec, cybercriminals are diversifying their targets and using stealthier methods to commit identity theft and fraud — and no one is immune. If you have a Social Security number, you are a target. As many as 1 in 10 people are now victims of identity fraud annually, with 21% of these individuals having been victimized multiple times.

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Federal Reserve Cuts Rates Amid Coronavirus Concerns

Tuesday, March 3, 2020

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The Federal Reserve cut interest rates today by half percentage point amid concern the coronavirus outbreak could threaten the US economy.  It is the first emergency move like this since 2008. “The fundamentals of the U.S. economy remain strong,” a statement from the Federal Reserve said. “However, the coronavirus poses evolving risks to economic activity. In light of these risks and in support of achieving its maximum employment and price stability goals, the Federal Open Market Committee decided today to lower the target range for the federal funds rate by 1/2 percentage point, to 1 to 1‑1/4 percent.” It continued,…

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Coronavirus Investor Update

Wednesday, February 26, 2020

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On Monday and Tuesday of this week, the Dow Jones Industrial Average fell nearly 2,000 points, falling from historic highs by approximately 6.5%. The spread of Coronavirus to countries such as Korea, Iran and Italy sparked the selloff which was compounded on Tuesday when the CDC warned Americans that a spread to the United States was highly probable. The Facts: Coronavirus (COVID-19) was first detected in the Hubei province of Wuhan City in China in December 2019. Since then, the disease has spread to a number of other countries with confirmed cases totaling over 81,0001 (as of 2/26/2019). Concern in U.S….

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Tips for Starting Difficult Discussions with Aging Parents

Thursday, February 13, 2020

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When you start to notice that your parents are slowing down because of age or illness, talking with them about their future needs and plans can be difficult. Finances, estate planning, care plans, final wishes, etc. are complicated discussions. In our experience, we believe it is important to start these conversations early, before it is really needed, and definitely before a crisis hits. Our recommendations: This is a big topic so it will take more than one conversation. Don’t overdo in one sitting. Make sure they know your intentions are loving and you are trying to help. Be a good…

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Monthly Market Update for January 2020

Wednesday, February 12, 2020

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Please find the next blog in our monthly series that provides a review of the prior month’s market data, the state of the economy, and the global financial markets. Global Economy: Following the robust returns of 2019, there has been much speculation as to what may precipitate heightened volatility in financial markets. Would it be the U.S. impeachment process, a slowdown in global growth, earnings disappointments, conflict in Iran, or renewed tariff escalation with key trading partners? The first half of January was relatively calm, with U.S. tech stocks leading the way as global equity markets maintained an upward trend….

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