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Welcome to the MSA Financial blog! Our goal is to help educate and inform you about financial markets by providing our thoughts and opinions on current events, the markets and industry trends. We are happy to have you reading along and hope that we can assist you on your journey to financial success.


Wednesday, November 9, 2022

The financial markets are on edge this year each time Fed Chair Jerome Powell takes the podium following a Federal Open Market Committee (FOMC) meeting.The chart below shows that the Standard & Poor’s 500 stock index has gained...

Wednesday, November 2, 2022

The Internal Revenue Service has released new limits for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels.Individual Retirement...

Wednesday, October 26, 2022

Making charitable contributions is a great way to help people in need while maximizing tax benefits, creating a win-win. Donations to qualified 501(c)(3) organizations can shrink taxable income, saving hard-earned cash. Here are...

Wednesday, October 19, 2022

The time to take RMDs is upon us and since there are strategic ways to ensure that you can save more of your hard-earned money and enable it to continue to grow, we wanted to help you start the process now.

Thursday, October 6, 2022

We hope that everyone had a great summer and is settling back into their regular routines this fall.  Unfortunately, markets (both stocks and bonds) have been anything but routine as the volatility that began in the first half of...

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Wednesday, September 28, 2022

Panic selling is not an investment strategy. While it is totally natural to be concerned about portfolio performance during declining markets, we can learn a lot about how we should (and shouldn’t) react by looking at history.

Wednesday, September 21, 2022

With inflation hovering near 40-year highs, some investors are looking for alternative ways to weather the storm. For many, a Series I Savings Bond is just the ticket.

Wednesday, September 7, 2022

We’re entering a tricky time of year: September and October have a reputation for bringing an extra measure of market volatility.Some of the stock market’s most challenging events have hit in September and October, and...

Wednesday, August 31, 2022

As you probably heard on the news, President Biden signed the Inflation Reduction Act of 2022 on August 16. Among other things, the legislation includes various initiatives such as locking in the American Rescue Plan health coverage...

Wednesday, August 24, 2022

Like many Americans, you may be feeling pain from the high cost of living every time you buy groceries or fill up at the pump. Surging food costs and higher gas prices are pinching consumers, especially those living on a fixed income....

Wednesday, August 17, 2022

Remember when a college education was reasonably priced? In the past 20 years, the cost of college tuition for public universities has risen 165%. College students and their families have been taking on more and more debt, and they are...

Tuesday, August 2, 2022

Summer travel is picking up this year. If you’re headed to Europe, you may notice that you get more bang for your buck.Why is that?For the first time in almost 20 years, the U.S. dollar and the euro have reached parity. Souvenirs...

Wednesday, July 27, 2022

Good days and bad days are a fact of life in the market. Sometimes it’s up and we celebrate. But when it dips, we worry…and if it tanks, forget it: the first instinct for most of us is panic, and we wonder if we should just...

Wednesday, July 20, 2022

Phew, what a roller coaster we’ve all been riding. There’s so much going on in the world right now, and a lot of it is less-than-happy news. Understandably, most of us have nagging worries about what’s going on in the...

Thursday, July 7, 2022

The volatility that started in the first quarter, intensified into the second quarter, leaving both stocks and bonds with their worst first half of the year since 1970. 

Wednesday, July 6, 2022

Like it or not, taxes are a way of life. They fund great things like roads, libraries and parks, but nobody wants to pay more than they absolutely have to. We often get questions like, “How can I balance my tax...

Friday, July 1, 2022

The best part of Financial Independence Day? You get to pick your date! But, what does it mean to be financially independent? In its simplest form, financial independence is the liberty to live as you want, free of financial...

Wednesday, June 29, 2022

Inflation"If the current annual inflation rate is 8.6 percent, why do my bills seem like they're 10 percent higher than last year?"1Many of us ask ourselves that question, and it illustrates the importance of understanding how...

Wednesday, June 22, 2022

What an “interesting” week. In a move unseen since 1994, the Federal Reserve has taken an aggressive stance toward inflation by raising the key interest rate by three-quarters of a percentage point.Investors initially...