Hope for Holiday Easing

December 8, 2025

  Confidence in an interest rate cut by the Federal Reserve at its meeting this week continued to carry stocks. The S&P 500 Index finished last week +0.4%, the Dow Jones Industrials +0.6%, and the NASDAQ +1.0%. The Energy, Technology, and Consumer Discretionary sectors led the S&P 500 Index, while the Utility, Health Care, and …

College Savings and Tax Benefits

December 3, 2025

  Introduction – Total college costs have continued to increase year-over-year, with tuition costs tripling over the last 60 years, even when inflation is considered. According to an annual survey of colleges conducted by CollegeBoard, the 2024-2025 average annual cost for tuition and fees was $11,610 for public in-state students and $29,910 when considering all …

What’s in Store

December 1, 2025

  A continued shift in expectations toward a Federal Reserve rate cut at its December meeting supported upside in equities last week. The S&P 500 Index finished the week +3.7%, the Dow Jones Industrials +3.2%, and the NASDAQ 4.9%. The Communication Services, Consumer Discretionary, and Technology sectors led the S&P 500 Index, while the Energy, …

Well Fed

November 24, 2025

  Equity markets rallied Friday on December rate cut optimism but closed lower for the week. The S&P 500 Index finished the week -1.9%, the Dow Jones Industrials -1.8%, and the NASDAQ -3.0%. The Communication Services, Health Care, and Consumer Staples sectors led the S&P 500 Index, while the Technology, Consumer Discretionary, and Energy sectors …

No Cents

November 17, 2025

  Equity markets were mixed last week with value-focused stocks outperforming growth-focused stocks. For the week, the S&P 500 Index was +0.1%, the Dow Jones Industrials +0.4%, and the NASDAQ -0.2%. The Health Care, Energy, and Materials sectors led the S&P 500 Index, while the Consumer Discretionary, Utilities, and Industrial sectors lagged. The 10-year U.S. …

NovaPoint Earns 2026 Military Friendly ® and Military Spouse Friendly ® Employer Designations

November 13, 2025

  ATLANTA, GA (Nov 13th, 2025) — NovaPoint announced today that it has earned the 2026 Military Friendly® Employer and Military Spouse Friendly® Employer Designations. Institutions earning these designations were evaluated using both public data sources and responses from a proprietary survey. Over 1,200 companies participated in the Military Friendly® Employer and Military Spouse Friendly® …

Retirement Plan Azimuth Checks

November 12, 2025

  While a full comprehensive financial plan can be beneficial, some clients may want a quicker retirement plan check-up to ensure they are on the right path to meeting their financial goals. At NovaPoint we can provide these retirement spot checks to provide clarity and ease of mind for our clients. This also gives an …

NovaPoint Supports Veteran Service Organizations

November 11, 2025

  NovaPoint would like to show our respect and appreciation for our nation’s veterans. In their honor, we are making donations to three Veterans Service Organizations: Children of Fallen Patriots Foundation, Special Operations Medical Association, and Wreaths Across America. Children of Fallen Patriots provides college scholarships and educational counseling to military children who have lost a …

Time to Reopen

November 10, 2025

  Uncertainty about the economy due to the government shutdown and profit taking in the technology sector caused a decline in stocks last week. For the week, the S&P 500 Index was -1.6%, the Dow Jones Industrials -1.2%, and the NASDAQ -3.1%. The Energy, Health Care, and Real Estate sectors led the S&P 500 Index, …

Still Reserved

November 3, 2025

  The Federal Reserve lowered interest rates, the U.S. and China made progress on trade and tariffs, and earnings were generally upbeat from several technology companies. This all led to higher equity markets. For the week, the S&P 500 Index was +0.7%, the Dow Jones Industrials +0.8, and the NASDAQ +2.0%. The Technology, Consumer Discretionary, …

Optimizing Social Security Strategies

October 28, 2025

  Introduction – The Social Security Administration (SSA) recently announced a cost-of-living adjustment (COLA) of 2.8% for Social Security claimants starting in January 2026. Whether you’re close or far away from retirement, there’s never a better time to start planning your optimal Social Security strategy. Every person who has worked 40 quarters, a minimum of …

Less Scary

October 27, 2025

  The September Consumer Price Index (CPI) report provided a calmer outlook on inflation and gave investors confidence the Federal Reserve can lower interest rates at this week’s Federal Open Market Committee (FOMC) meeting. For the week, the S&P 500 Index was +1.9%, the Dow Jones Industrials +2.2%, and the NASDAQ +2.2%. The Technology, Energy, …

Restless Calm

October 20, 2025

  A continued U.S. government shutdown kept investors in the dark on economic data last week and potential weakness in some areas of the credit market raised the concern over potential contagion. Still, for the week, the S&P 500 Index was +1.7%, the Dow Jones Industrials +1.6%, and the NASDAQ +2.5%. The Communication Services, Real …

Flare Up

October 13, 2025

  A flare up in U.S. – China trade led to a sharp decline into Friday’s close. For the week, the S&P 500 Index was -2.4%, the Dow Jones Industrials -2.7%, and the NASDAQ -2.3%. The Utility, Consumer Staples, and Health Care sectors led the S&P 500 Index for the week, while the Energy, Consumer …

Closed

October 6, 2025

  A government shutdown did not prevent equity markets from registering gains. For the week, the S&P 500 Index was +1.1%, the Dow Jones Industrials +1.1%, and the NASDAQ +1.2%. The Health Care, Utility, and Technology sectors led the S&P 500 Index for the week, while the Energy, Communication Services, and Consumer Discretionary sectors lagged. …

Maximizing Debt Payoff Strategies

September 30, 2025

  Introduction – The journey to becoming debt-free can feel daunting, but with the right strategies and financial planning tools at your disposal, achieving that goal is not only possible but also more efficient. High-interest debt can be a heavy burden, siphoning away hard-earned income through fees and charges that seem to grow each month. …

Shutdown Drama

September 29, 2025

  Stocks took a break from the recent rally. For the week, the S&P 500 Index was -0.3%, the Dow Jones Industrials -0.1%, and the NASDAQ -0.5%. The Energy, Utility, and Real Estate sectors led the S&P 500 Index for the week, while the Communication Services, Materials, and Consumer Discretionary sectors lagged. The 10-year U.S. …

Easing Into It

September 22, 2025

  The Federal Reserved lowered short-term interest rates by 0.25% and equity markets responded with gains. For the week, the S&P 500 Index was +1.2%, the Dow Jones Industrials +1.1%, and the NASDAQ +2.2%. The Communication Services, Technology, and Consumer Discretionary sectors led the S&P 500 Index for the week, while the Consumer Staples, Real …

Here Comes the Fed

September 15, 2025

  Markets were buoyed last week by economic data that could favor a reduction in interest rates at the upcoming Federal Reserve meeting. For the week, the S&P 500 Index was +1.6%, the Dow Jones Industrials +1.0%, and the NASDAQ +1.9%. The Technology, Utility, and Energy sectors led the S&P 500 Index for the week, …

Cool Jobs

September 8, 2025

  For last week, the S&P 500 Index was +0.4%, the Dow Jones Industrials -0.3%, and the NASDAQ +1.0%. The Communication Services, Consumer Discretionary, and Consumer Staples sectors led the S&P 500 Index for the week, while the Energy, Financials, and Utility sectors lagged. The 10-year U.S. Treasury note yield decreased to 4.089% at Friday’s …

Labor Data

September 2, 2025

  The equity markets posted a gain for August. It was the fourth straight monthly gain for the S&P 500 Index and the fifth straight for the NASDAQ. For last week, the S&P 500 Index was -0.1%, the Dow Jones Industrials -0.1%, and the NASDAQ +0.9%. The Energy, Financials, and Communication Services sectors led the …

Dovish Shift

August 25, 2025

  Friday’s speech from Fed Chair Jerome Powell rallied the S&P 500 Index to a gain for the week as expectation for a September interest rate cut rose. For the week, the S&P 500 Index was +0.3%, the Dow Jones Industrials +1.6%, and the NASDAQ -0.9%. The Energy, Real Estate, and Financial sectors led the …

Diplomacy

August 18, 2025

  Flanked by monthly inflation data and international peace talks, the equity markets managed a gain for the week. The market bounced back last week on generally upbeat earnings reports across several sectors. For the week, the S&P 500 Index was +1.0%, the Dow Jones Industrials +1.8%, and the NASDAQ +0.4%. The Health Care, Consumer …

The Iced Tea Leaves

August 11, 2025

  The market bounced back last week on generally upbeat earnings reports across several sectors. For the week, the S&P 500 Index was +2.4%, the Dow Jones Industrials +1.4%, and the NASDAQ +3.7%. The Technology, Consumer Discretionary, and Communication Services sectors led the S&P 500 Index for the week, while the Energy, Health Care, and …

Financial Planning for Retirees

August 6, 2025

  What is Financial Planning? Financial planning is a comprehensive and custom process of managing your money to achieve financial security and to meet financial goals. Strategies are implemented to optimize wealth accumulation and minimize your tax liability while implementing risk mitigation strategies to protect your assets and achieve your financial goals. Financial planning considers: …

Grinding

August 4, 2025

  The enactment of tariffs on countries that have not yet reached a trade deal and a weaker employment report for July sent stocks lower. For the week, the S&P 500 Index was -2.3%, the Dow Jones Industrials -2.9%, and the NASDAQ -2.2%. The Utility, Communication Services, and Consumer Staples sectors led the S&P 500 …

Dog Days

July 28, 2025

  Stocks remained near all-time highs, buoyed by a trade deal announcement with Japan. For the week, the S&P 500 Index was +1.5%, the Dow Jones Industrials +1.3%, and the NASDAQ +0.9%. The Health Care, Materials, and Industrial sectors led the S&P 500 Index for the week, while the Consumer Staples, Technology, and Utility sectors …

Earnings Focus

July 21, 2025

  Stocks remained near all-time highs during the first week of the quarterly earnings reporting period. For the week, the S&P 500 Index was +0.6%, the Dow Jones Industrials -0.1%, and the NASDAQ +1.3%. The Technology, Utility, and Industrial sectors led the S&P 500 Index for the week, while the Energy, Health Care, and Materials …

The Tariff is in the Mail

July 14, 2025

  A resurgence of tariff announcements put a pause in the recent rally. For the week, the S&P 500 Index was -0.3%, the Dow Jones Industrials -1.0%, and the NASDAQ -0.4%. The Materials, Financials, and Technology sectors led the S&P 500 Index for the week, while the Communication Services, Utilities, and Consumer Discretionary sectors lagged. …