Certificates of deposit, or CDs, range from time-deposit savings certificates, accessible in small denominations at banks, savings and loan associations, and credit unions, to negotiable certificates, which require minimum deposits of $100,000 or more. 

As we're hitting the middle of the month, I'd like to give you a recap of what's happening with the markets and what we should expect. But most importantly, I want to tell you why I think, fundamentally, the stock market is broken. I'm seeing a lot of flaws in its current state, and I want to tell you how we're positioning your investments against this event.

Suppose you consider taxes an essential element in your investment selections (and you should). In that case, you may be aware that numerous significant but temporary tax incentives will expire at the end of 2025.

Investing in real estate or the stock market may be an exciting way to increase your income. The gains from such investments can support future investments, save for a project, or even contribute to your retirement.

I hope you had a wonderful Christmas and New Year holiday. Now that we're beginning the year, I wanted to take stock of what happened in 2023, what to expect from the markets in 2024, what investment strategies you should be on this year, and what this election year means for your accounts.

Starting to invest your money can be exciting, but every person should look out for a few things when embarking on this journey. 

A living trust is a legal document you create. At the same time, you're alive to ensure that the assets you place in the trust, such as real estate, stock and bond holdings, CDs, and jewelry, are distributed in the manner you specify after your death, without your beneficiaries having to go through court probate to receive the assets you leave them.

People are frequently unprepared for what lies ahead and disregard indications to pursue a safer path. Many people have never had their portfolios stress-tested to determine how they would perform if circumstances changed or there was an economic disaster. 

I hope everyone had a wonderful Thanksgiving holiday. Before the month ended, I wanted to record a quick video about what's happening with the markets and your investments. Also, I wanted to chat about some strategies to take advantage of the high-interest rates and some tax-reduction strategies.

I wanted to take a moment and review a couple of things with you in this month's market update. I'm providing some news about the Charles Schwab transition, the state of the country's inflation, the economic repercussions that the Middle East tragic conflict will bring, and much more.