Perspectives

Explore our thought leaders’ latest insights and ideas.

Me, Myself and I: Investing in the new age of me

Me, Myself and I: Investing in the new age of me

As technologies offer new and faster ways for people to “connect” and communicate, the world is experiencing a growing trend toward self-selected isolation, automation and even an outright preference to avoid human interaction. As a result, service and convenience are increasingly viewed as “better” when the person requiring service does not have to actually deal with another human being. In fact, many of the companies with the highest-rated customer service are now technology companies that...
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Childhood Financial Literacy Can Spark Brighter Futures

Childhood Financial Literacy Can Spark Brighter Futures

As we become adults, one would assume that naturally we also become more attuned to finances and how to apply that knowledge to the real world. However, that is not always the case. According to FINRA’s ongoing National Financial Capability Study, 63% of Americans are financially illiterate. Perhaps this ineptitude comes from a lack of understanding on a foundational level. An ongoing concern is that children are not receiving the education they need to make successful financial decisions and p...
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Passive vs. Active Investing: Which team are you on?

Passive vs. Active Investing: Which team are you on?

The popularity of low-cost passive investment strategies has garnered significant press recently, leading many to question if active management is dead or simply doesn’t work. Underperformance of the average active investment manager has certainly added fuel to the fire, as investors search for cheaper index alternatives.
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Grande Lattes or Stocks: Why millennials are hesitant to invest

Grande Lattes or Stocks: Why millennials are hesitant to invest

Millennials are described as potentially the next “Great Generation” by William Strauss and Neil Howe, the authors who originally coined the term. But up to this point, all the millennial tweeting, snapping, posting, swiping, and selfie taking hasn’t been accompanied by much in the way of investing.
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Did you say “yes” to the ring but are unsure about combining finances?

Did you say “yes” to the ring but are unsure about combining finances?

It’s no surprise that the winter season, known for beautiful snowscapes and romantic nights by the fireplace with the one you love, is the most favored time of the year for engagements. Christmas, New Year’s Eve and Valentine’s Day are among the most popular days of the year to propose.
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Next Step Toward Adulting: Life Insurance

Next Step Toward Adulting: Life Insurance

The steps are predictable: Graduate from college, start your first job and then, with a few paychecks in the bank, start saving for retirement and make sure you have the necessary insurance to cover your other stages of life. But for millennials, the current generation of young adults and the largest generation in the U.S., the process doesn’t necessarily include life insurance coverage. A Gallup poll indicates that millennials are the least likely to be engaged with their primary insurer and a...
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‘Tis the Season of Giving: The many benefits of charitable gifting

‘Tis the Season of Giving: The many benefits of charitable gifting

With the holiday season upon us, it is time to start thinking about how you can give back in a multitude of ways that could also be beneficial to you, as the donor. Making a charitable contribution of money or time in place of traditional gift-giving can make your holiday shopping that much easier, while helping someone in need.
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Memories Over Possessions: How millennials are creating the experience economy

Memories Over Possessions: How millennials are creating the experience economy

Everyone has heard the phrase “money can’t buy you happiness,” meaning that an excess of belongings will not necessarily bring one satisfaction. But what money can buy you—and millennials are tapping into—is an “experience.” Since 1987, consumer spending on experiences and events relative to total U.S. consumer spending has increased 70%. What an experience brings that a tangible item does not is a sense of community and belonging, values that are important to the millennial generation.
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Your Best New Year’s Resolution: Peace of Mind

Your Best New Year’s Resolution: Peace of Mind

With a new year comes New Year’s resolutions, and although we start the year with good intentions, oftentimes many resolutions fall by the wayside. Some of the most common resolutions include losing weight, spending more time with family and friends, learning a new hobby and getting organized. Taking care of oneself should be at the top of everyone’s New Year’s resolution list, but for many of us we feel the need to take care of others before taking care of ourselves.
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Why breaking up is good: U.S. election may again render divided government

Why breaking up is good: U.S. election may again render divided government

With less than a month to go in the 2016 presidential election cycle, Democratic candidate Hillary Clinton remains ahead in the polls and holds at least a 7-point lead over Republican candidate Donald Trump, according to RealClearPolitics. We believe that U.S. equity markets are anticipating a Clinton victory and a split Congress, where Republicans retain control of the House of Representatives, and Democrats, in a close call, could regain control of the Senate.
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