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Check back regularly for insights from the Krietzberg Wealth Management team into the world of investing, financial planning and preparing for a confident financial future.  

Wednesday, September 20, 2023

Sometimes, a picture tells a thousand words, and this chart of the M1 money supply certainly does just that. M1 rose rapidly during the pandemic due to an effort to provide stimulus packages to those who suffered financial loss during...

Friday, September 15, 2023

Have you ever heard the expression, “It’s a headline risk for the markets?” Headline risk is the chance that an unsettling news event–anticipated or a surprise–can add volatility to the financial markets....

Friday, September 8, 2023

As we approach the back-to-school season, I wanted to discuss an important topic that might be on your mind: the cost of education. Whether you have children or grandchildren preparing for college or considering furthering your...

Thursday, August 31, 2023

If it feels like the financial markets are lurching from news event to news event in recent weeks, you’re right. They are. The markets were on pins and needles waiting for Fed Chair Powell to deliver his talk at the Jackson Hole...

Monday, August 28, 2023

Stocks fluctuated last week, jostled by fitful bond yields and headline news, before ending strongly following Fed Chair Powell’s comments on the monetary outlook. The Dow Jones Industrial Average slipped 0.45%, while the...

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Friday, August 25, 2023

The stock market rebound has significantly increased the number of workers with $1 million or more in their workplace retirement accounts. According to Fidelity Investments, employees with 401(k) balances exceeding $1 million rose 26...

Tuesday, August 22, 2023

Nobody ever said you have to like a pullback in stock prices. But it's critical to understand 1) why they happen and 2) why they are challenging. A pullback is considered a moderate drop in prices from recent peaks that occur within a...

Wednesday, August 2, 2023

The Federal Reserve has a dual mandate—manage inflation and maximize employment. But sometimes, those economic goals conflict with each other. As you can see in the accompanying chart, labor shortages in 2022 pressured...

Monday, July 31, 2023

A Friday surge pushed stocks solidly into positive territory last week, ignited by cooling in an inflation gauge closely tracked by the Federal Reserve. The Dow Jones Industrial Average advanced 0.66%, while the Standard &...

Friday, July 28, 2023

You may have heard the saying, “inflation hurts savers and benefits borrowers.”  The expression suggests that borrowers benefit from inflation because they pay back lenders with dollars worth less than when the money...

Monday, June 26, 2023

Stocks took a breather last week as investors digested the previous week’s surge and the month-to-date solid gains.The Dow Jones Industrial Average lost 1.67%, while the Standard & Poor’s 500 fell 1.39%. The Nasdaq...

Friday, June 16, 2023

Here’s a riddle. “I’m a two-word phrase that we heard almost every day for two years, but it has dropped from almost all economic talk in 2023?”Answer: Supply chain.As you can see from the accompanying chart,...

Tuesday, June 13, 2023

According to Curtis Krietzberg, CFA, MBA, a financial planner in Red Bank, NJ, and principal in Krietzberg Wealth Management, the college funding talk with your child should happen before they get to high school.

Monday, June 12, 2023

A late-week rally sent stocks into positive territory, with the S&P 500 index closing just shy of the 4,300 mark.The Dow Jones Industrial Average gained 0.34%, while the Standard & Poor’s 500 added 0.39%. The Nasdaq Composite...

Friday, June 9, 2023

Now that the debt ceiling negotiations are behind us and President Biden has signed the measure, what will Wall Street's wandering eye focus on next?Inflation? Interest rates? Recession? Artificial intelligence?More than likely,...

Friday, June 2, 2023

Did you know that seniors turning 65 today have a 70% chance of needing some long-term care as they age? Not surprisingly, long-term care comes with a hefty price tag.1Nationally, the average cost of a nursing home is over $90,000 per...

Monday, May 22, 2023

Stocks rallied last week, propelled by growing optimism over reaching a deal on raising the debt ceiling and avoiding a technical debt default by the U.S.The Dow Jones Industrial Average edged 0.38% higher, while the Standard &...

Thursday, May 18, 2023

Would it surprise you to hear that investors have moved past worrying about inflation? They have, at least for now. Wall Street has shifted its attention to Washington’s budget negotiations and how the debt ceiling will be...

Friday, May 12, 2023

If you are just out of college and about to head out on your own, or at a point for the first time in your life that you are learning how to become financially independent, here’s a question: Are you prepared? Here are 6 things to know.

Wednesday, May 10, 2023

Social Security's been a fact of retirement life ever since it was established in 1935. We all think we know how it works, but how much do you really know? Here are nine things that might surprise you.

Monday, May 8, 2023

A Friday rebound, triggered by a big tech company’s earnings beat and a strong jobs report, shaved much of the week’s accumulated losses.The Dow Jones Industrial Average fell 1.24%, while the Standard & Poor’s 500...

Friday, April 28, 2023

A smaller social security bump may be on the way.

Thursday, March 30, 2023

Modest gains in major market indices masked sharp volatility amid the uncertainty arising from mixed messages emanating from public officials and revived banking fears. The Dow Jones Industrial Average gained 1.18%, while the Standard...

Wednesday, March 22, 2023

Amid the reverberations of two U.S. banks being taken over by regulators and the spread of uncertainty to European banks, stocks trended higher last week on the strength of the technology sector.The Dow Jones Industrial Average was...

Wednesday, March 15, 2023

Stocks tumbled last week as investors reconsidered their interest rate expectations after Fed Chair Powell’s Congressional testimony that rates may need to go higher. Stocks also were rattled when a west coast bank was placed...

Tuesday, March 14, 2023

One of my favorite Warren Buffett quotes is, “Remember that the stock market is a manic depressive.”What he’s suggesting is that stock prices can sometimes swing wildly from day to day in response to even minor news....

Monday, March 13, 2023

For the Federal Reserve, credibility is everything. And its credibility is being tested by how it plans to manage the banking system in the days leading up to its March 21-22 meeting.Last month, Fed Chair Powell confidently told Wall...

Friday, March 10, 2023

Jerome Powell would be terrible to have in your book club. He would always reveal how the book would end.When the Fed Chair spoke following the Fed meeting in February, he said, “we’re in the early stages of...

Tuesday, March 7, 2023

Weekly Market Insights

Thursday, February 16, 2023

Stocks drifted lower as a week of mixed earnings reports and resurgent worries over Fed monetary policy dragged on investor sentiment. The Dow Jones Industrial Average slipped 0.17%, while the Standard & Poor’s 500 declined...

Thursday, February 16, 2023

European stock market hits all time-highs.

Tuesday, November 29, 2022

Over the years, the Fed has followed a similar pattern with interest rates. It raises interest rates, then pauses, so it can see how the economy is adjusting to the higher rates. The chart below shows the Fed’s pattern with...

Thursday, November 17, 2022

A cooling inflation number ignited a powerful rally on Thursday, sending stocks to strong gains for the week.The Dow Jones Industrial Average gained 4.15%, while the Standard & Poor’s 500 added 5.90%. The Nasdaq Composite index...

Monday, November 7, 2022

You may have heard the phrase “contrarian investing,” but did you know that one of the most reliable contrary indicators is individual investors?Retail investors often do the wrong thing at the wrong time. But this year,...

Monday, October 31, 2022

Stocks overcame poor earnings results from some of America’s largest companies to post gains last week as investors cheered positive earnings surprises, easing inflation and a rebound in economic growth.The Dow Jones Industrial...

Thursday, October 27, 2022

What does the latest Cost of Living Adjustment mean for you and your retirement?

Thursday, June 30, 2022

It’s natural to think “defense” during a bearish market season. But why not mix in some “offense” with your defense? Here are three moves that may be helpful during the current market downturn.Invest Your...

Monday, June 13, 2022

Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. For others, it will be a time to start a new business or begin a charitable endeavor. Regardless of what approach you intend...

Friday, June 10, 2022

When the market drops, some investors lose perspective that downtrends and uptrends are part of the investing cycle. When stock prices break lower, it's a good time to review common terms that are used to describe the market's downward...

Friday, June 10, 2022

Summer’s here, and the time is right for vacations, outdoor activities, and fun. It’s also a good time to consider a few financial matters. Here are some questions to ask yourself mid-year.Goals still the same for...

Tuesday, December 21, 2021

Will you rethink your risk tolerance once you are in or near retirement?

Monday, November 8, 2021

With so much media attention spotlighting retirement planning these days, you’d think the United States is a nation of hardcore investors, well-versed in the intricacies of all sorts of financial products. But the truth is most...

Monday, October 25, 2021

While the world has begun to recover from the economic disruption of the COVID-19 pandemic, the delayed reaction has been felt in the supply chain. Industrial shutdowns around the world slowed production to a relative crawl, leaving...

Wednesday, September 1, 2021

In an increasingly digital world, your kids will need to know how to handle their finances online and how to responsibly use debit cards. Start teaching with cash More and more consumers use cards and mobile devices to conduct everyday...

Monday, August 16, 2021

If college were a party, then student loans are the hangover. Unfortunately, the “hair of the dog” won't cure this headache, but here are some ideas for managing your student loan debt. The programs listed are not intended...

Tuesday, August 3, 2021

The COVID-19 pandemic has changed so much of our world, from day-to-day activities to long-range plans. But one thing hasn’t changed: the need for life insurance. If you have put off getting it—or more of it—here are...

Wednesday, July 7, 2021

Tuition costs have risen dramatically over the last 30 years, and parents need all the help they can get in financing a college education. There are many of options available, including 529 plans and Coverdell accounts, so it’s...

Saturday, June 19, 2021

The now iconic TV show The Brady Bunch depicted what was, at least at the time, a very unusual family dynamic: a second marriage bringing together six children under one roof. These days it’s hard to imagine a show like The Brady...

Wednesday, June 2, 2021

To confidently manage your retirement funds, it’s important to understand not only how much you have, but how much you will need. Then you can determine how to fill in the potential gap. Keep in mind that creating a retirement...

Thursday, May 20, 2021

When people imagine a financial windfall, they often think of winning the lottery or sweepstakes and using that money to purchase expensive luxury items. But financial windfalls generally occur in more traditional ways such as the sale...

Wednesday, May 5, 2021

If you’re like most investors, you want to achieve growth while you’re working and income after you retire. But that doesn’t necessarily make it smart to change your investment strategy when you retire by shifting...

Wednesday, April 21, 2021

Americans are living longer than ever, thanks to advances in health care, improved diets and better exercise. About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95, according to...

Monday, April 12, 2021

How Much Will You Need to Retire? How much money will it take for you to retire in style? If the question leaves you scratching your head, you’re not alone. Just 38% of American workers have talked with a financial professional...

Thursday, March 18, 2021

For most investors—even those with significant wealth—a secure financial future doesn’t simply happen. Instead, it must be carefully crafted to help meet your most important goals. Of course, the future is...

Friday, March 12, 2021

Having a career that brings personal satisfaction and financial success places many demands on your time and energy. But no matter how busy you are, there’s one task you shouldn’t put off—planning for your financial...

Thursday, March 4, 2021

One of the most common fears people share when considering retirement is the very real possibility of outliving the money they’ve worked so hard to save. Making sure your retirement is properly funded remains an ongoing challenge...

Monday, February 22, 2021

With so much going on in the world today, it’s natural to feel anxious about the state of your finances. Staying focused on the big picture is important during periods of market volatility. Here are a few strategies to keep in...

Thursday, February 4, 2021

When it comes to having serious financial conversations, many parents aren’t sure where to begin. The tips and questions included in this guide are designed to help you talk to your kids about money and financial responsibility....

Friday, February 28, 2020

Stressed about money? If you’re afraid to look in your mailbox and see another credit card bill or bank statement you’re not alone. In fact, over half of U.S. adults say financial stress has negatively impacted their...

Wednesday, February 19, 2020

If you want to pass savings on to your children or grandchildren, working with a financial advisor on legacy planning strategies can help make your wishes a reality—in ways that benefit both you and the recipients of your generosity.

Friday, November 15, 2019

There's one simple yet elusive question that the current investment landscape begs to ask: What If? I've been talking about "what if's" with my kids for a long time, since they were much shorter than they are today, and I had more hair...

Friday, November 1, 2019

Discipline. You can’t be a successful investor without a healthy serving of discipline. But what does it mean to be a disciplined investor? To be a disciplined investor, one must learn how not to react emotionally to market...

Monday, October 14, 2019

How many times have you heard "Stay the Course" or "Don't Panic?" My industry uses these phrases to attempt to dissuade investors from making any sudden moves when market volatility increases. This is like the pilot that addresses her...

Monday, October 7, 2019

Although markets can be somewhat unpredictable at times, beyond expectations and predictions, hope and fear, there are certain investment truths that will always hold. Investment Truth #1 Through all the fog of distraction, the primary...

Wednesday, September 25, 2019

Can I tell you how long I've been waiting to somehow work a Star Wars reference into this blog? For those non-Star Wars fans, "Star Wars: A New Hope" is the name of the first movie that came out in 1977. I was 9 years old, so it was...

Monday, September 16, 2019

That’s a rhetorical question. While its always fun to start out with a riddle, we’ll answer this one. I’m sure you have heard of the phrase “Index Funds.” An index fund is a type of mutual fund with a...

Tuesday, September 10, 2019

The yield curve is just a graph that shows U.S. government bills and bonds with different maturity dates, along with the yield on those bonds for each date. The most common yield curve typically shows the interest rates for 3-month,...

Monday, September 2, 2019

First thing’s first. Yes, we act in a fiduciary manner for our clients - we always have and always will. We will always place our clients’ interests and the integrity of the investment profession above our own interests....

Monday, August 26, 2019

Seeing Through the Financial Fog It can't be August already. The summer just started, and school just ended – right? Summer always seems to fly past us too quickly. And while most of us got to relax a bit over the summer, it...