November 2020
Market Update
The November 2020  Market Thoughts Video is now available on our website. Brad McMillan, Commonwealth's CIO, recaps the market and economic news for October. The markets started the month strong but rolled over on rising medical risks. Fortunately, the impact was cushioned by better economic news. Layoffs dropped, and consumer confidence held at higher levels. As a result, spending held up better than expected, and the housing market has boomed. Business confidence and investment have also been healthy. With the election just around the corner, could we face more risks ahead?

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Donor-Advised Funds
 
A donor-advised fund (DAF) offers an easy way for a donor to make significant charitable gifts over a long period of time. It is similar to a private foundation but requires less money, time, legal assistance, and administration to establish and maintain.  A DAF also enjoys greater tax advantages than a private foundation.  Learn more...
Have You Checked Your Retirement Plan Lately?

It's generally a good idea to review your employer-sponsored retirement plan at least once per year or when any major changes occur.  If you haven't given your plan a thorough review within the last 12-months, now may be a good time to do so.  Here are some useful tips to keep in mind as you conduct your review.
Six Keys to More Successful Investing
 
A successful investor maximizes gains and minimizes losses.  Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including loss of principal, here are six basic principles that may help you invest more successfully.
Cybercrime and Identity Theft Prevention

Cybercrime comes in may forms and it can happen to any of us.  We recently hosted a webinar featuring former FBI Agent, Jeff Lanza, who discussed the different ways criminals try to get your information and measures you can take to be more cyber secure.  Jeff's handouts are a great resource for what to look out for and how to protect yourself from cyber thieves.